What is Credit Repair?

What is Credit Repair?

Credit repair is the process of fixing bad credit through the removal of inaccuracies, mistakes, or unverifiable information on a credit report to improve and elevate a client's credit score. It often involves engaging with credit bureaus and creditors to challenge negative and incorrect entries, ensuring that the information presented in a credit report is a true and fair representation of an individual's credit history.

The credit bureaus and creditors are required by federal law to provide proof of the veracity and correctness of any negative information they place in your credit report. They must remove the item from your credit report if they are unable to demonstrate that the data is 100% accurate. 

The goal of credit repair is not only to enhance one's credit score but also to ensure that credit histories are accurate and free from errors and negative items, which can impact an individual's ability to secure loans, credit cards, and even impact the ability to get hired or rent an apartment.

    • Related Articles

    • How long does credit repair take?

      There is no definitive timeline for credit repair, as the process varies based on each person’s credit needs. How many negative items you have, what kind of negative items they are, how quickly your creditors and the bureaus respond to challenges - ...

    • Can I apply for credit while doing credit repair?

      We strongly advise against applying for new credit while we are repairing your credit. Applying for credit during this time can lead to additional inquiries on your report, which may lower your score and interfere with the progress we’re making. New ...

    • What is the Fair Credit Reporting Act?

      The Fair Credit Reporting Act (FCRA) was written in 1970 as an amendment to the Consumer Credit Protection Act. The FCRA provides additional measures of consumer protection in the areas of fairness, accuracy, and privacy of the information collected ...

    • What type of items can be removed from my credit report?

      Many items can be removed from your credit report, especially if they're inaccurate or unverifiable. Here's a list of items that can potentially be removed or corrected: Inaccuracies or Errors: These are the most common targets for credit repair. If ...

    • What if all my negative items are accurate?

      While you may believe the items on your credit report are accurate, many dishonest collection agencies illegally change dates and details of accounts to keep them on your reports for longer. Even if all the negative items on your credit report are ...