Late payments, defaults, or bankruptcies that are accurate must remain on your report until they age out under the Fair Credit Reporting Act (FCRA) timeline—typically seven years for most negative marks. You can repair your credit by reviewing your credit reports, disputing errors, and improving your financial habits. Start by requesting free credit reports from AnnualCreditReport.com and checking for inaccurate or outdated information. Many credit repair companies offer a free consultation to assess your credit situation. This helps you understand what can be done before committing to a paid plan. A reputable company won’t charge you upfront without showing you how they can help.

Best For Additional Features: The Credit Pros

Contact the state’s Attorney General, the Financial Consumer Agency of Canada, and the Federal Trade Commission for additional information. Be aware of scams by reading BBB’s investigation of credit repair companies that fail to deliver on their promises. But how can you know the difference between just a tempting offer and an ethical business that can truly help?

Credit Monitoring

Credit Geeks develops tailored strategies to improve clients’ credit scores and help them expand their buying power. As the leading provider of credit repair services in Virginia, we help individuals to improve their credit scores without charging any major set up fees or hidden charges. Right from helping you eliminate all the negative items on your list to verifying as well as correcting your credit issues, we leave no stone unturned to raise your credit scores. A credit repair company can help you identify the specific factors that are negatively impacting your credit score. They can review your credit report and provide personalized advice on how to improve your credit score.

On the other hand, some companies have been known to seed inauthentic positive reviews on popular review sites. If you have been wondering how to repair your credit, then you have come to the right place. creditrepair will work with you from the very beginning to assess your credit needs and get to the root of your credit issues. WOW my scores went up 100 points compared to what they were in March of 2014 and they are still working hard on repairing my credit.

The biggest benefit of credit repair companies is that they relieve you of some of the legwork and hassle involved in cleaning up your credit report. They don’t do anything you can’t do yourself, but they may be able to accomplish the task more quickly. The process can cost you money or require additional commitments, depending on your chosen approach.