What Credit Repair Can Do

Legitimate credit repair focuses on identifying and disputing inaccurate, outdated, or unverifiable information on your credit reports.

Legitimate Credit Repair Services Include:

  • Reviewing your credit reports for errors
  • Disputing inaccurate information with credit bureaus
  • Negotiating with creditors for payment arrangements
  • Providing credit education and counseling
  • Helping you understand your rights under credit laws

What Credit Repair Cannot Do

No one can legally remove accurate negative information from your credit report before it expires naturally.

Red Flags to Avoid:

  • Promises to remove all negative items
  • Guarantees of specific score improvements
  • Requests for upfront payment
  • Suggestions to create a new credit identity
  • Advice to dispute accurate information

DIY vs. Professional Credit Repair

Do It Yourself

Pros: Free, you control the process, learn about credit

Cons: Time-consuming, requires knowledge of credit laws

Professional Credit Repair

Pros: Expertise, saves time, knows credit laws

Cons: Costs money, some companies are scams

Choosing a Credit Repair Company

If you decide to use a professional service, look for:

  • Proper licensing and accreditation
  • Transparent pricing with no upfront fees
  • Clear explanation of their process
  • Good Better Business Bureau rating
  • Positive customer reviews and testimonials
  • Money-back guarantee