How Credit Repair Works
Credit repair isn’t magic—it’s a process of correcting inaccurate, outdated, and unfair items on your credit reports. Our team reviews all three major bureaus (Experian, Equifax, and TransUnion) and identifies negative items that may be hurting your score. We then dispute or challenge these items following federal laws such as the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).
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1. Credit Report Review
- Start by obtaining your credit reports from the three major bureaus: Experian, Equifax, and TransUnion.
- Review each report carefully to identify negative items like late payments, collections, charge-offs, bankruptcies, or identity theft entries.
- Check for inaccuracies, outdated information, or items that cannot be verified by the creditor.
2. Disputing Errors
- Inaccurate or unverifiable items can be disputed with the credit bureaus.
- A credit repair specialist sends formal dispute letters to the bureaus requesting investigation and removal of these items.
- Credit bureaus have 30 days to investigate and respond to disputes.
3. Negotiating with Creditors
- Sometimes negative items are valid but can be negotiated for removal or “goodwill adjustments.”
- Examples include negotiating payment settlements in exchange for deleting a collection or correcting reporting errors.
4. Building Positive Credit
- Repairing credit isn’t only about removing negatives. It also involves building a positive credit history:
- Making timely payments
- Reducing debt utilization
- Adding positive tradelines or becoming an authorized user
5. Monitoring and Coaching
- Ongoing monitoring ensures new errors or derogatory marks don’t appear.
- Credit repair experts provide guidance to maintain and improve your score over time.