Best Credit Repair Companies

Anyone with a low credit score can tell you that bad credit is no fun. It's expensive, it's embarrassing, and it can stand in the way of achieving your goals. Fortunately, it is possible to legally and permanently fix your credit with credit repair.

Hundreds of thousands of people have been able to improve their credit scores. By removing bad credit, adding good credit, and better managing their credit profile, people have been able to increase their credit scores from 500s and 600s all the way to 700s and even 800s.

If you have had difficulty getting reasonable loans in the past, raising your credit score through credit repair can help you qualify for lower interest payments. These lower payments can help you purchase a new car or even get into a new home.

Even if your credit score is good enough to get a loan, improving it by just a few more points can save you thousands. Using credit repair to increase your credit score from 680 to 720 can save you a hundred dollars or more per month on your mortgage payment; a savings of tens or even hundreds of thousands of dollars over the course of your loan.

You can clean your credit yourself or you can get help from a credit repair expert. This is a top ten list of the best credit repair companies out there.

The Top Ten

1 Lexington Law Lexington Law Lexington Law is a general service consumer advocacy law firm that provides credit repair services along with a full range of additional legal services. The firm is headquartered in North Salt Lake City, Utah and has 32 attorneys across 20 states. more.

I used Lexington to repair my credit. Talking to my personal paralegal about my situation helped me to wade through the mess. Lexington helped me get my score up by 247 points! If you're looking for Credit Repair, go with Lexington

Lexington helped me raise my credit score 70 points in 60 days. This gave me the credit I needed to refinance my house to consolidate my debt, buy a new car at a good rate, and have more options to support my growing family. I love these guys.

I used Lexington and my score went up 130 points to 750. It only took four months. My wife is getting hers worked on next.

Very good at what they do, a bit pricey but probably worth it. I used them about 10 years ago, my score rose about 150 in a few months.

V 38 CommentsVisit Website Free Credit Report Summary9Call: 1-800-594-5595
2 is a Seattle, Washington based company that offers consumer credit repair services to customers in the United States. The company claims to assist customers with removing negative items from their credit reports as well as helping customers better manage their credit. more.

When I signed up for, I was a little skeptical. I'd heard bad things about credit repair scams and I didn't want to be a victim. But I needed help. It only took a few weeks before I got my first notice of positive results. I know the process might not work that fast for everyone, but I was thrilled. The funny thing is, I had been sitting in church when I got the alert via text message and I just about stood up and shouted! I've found the people at to be really helpful and empathetic. It's the one company that doesn't treat me like a second-class citizen because of my poor credit history.

I would recommend to anyone - and I often do.

Best Credit repair Company. I owe them a lot! Made my credit score jump 100 points in less than a year! Recommend!

CreditRepair did very well and improve my credit rating. I keep my faith with this CreditRepair all the way. services are excellent. I've searched around trying to find the best way to fix my credit because I am preparing to get married and buy a new house! With that being said I know that my credit has to be great before that can happen. Within the first three weeks I saw excellent results! I just want to say thank you credit for helping me and treating us with excellent customer service!

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3 Sky Blue Credit Repair Services Sky Blue Credit Repair Services Sky Blue Credit is a Boca Raton, Florida company that has offered credit repair and restoration services since 1989. The company operates nationally and is licensed and registered with the individual state Attorney General offices as required. more.

Sky Blue was referred to me by a friend who described them as a smart, more personal alternative to the big automated credit repair companies. They did an amazing job for me and I thought I'd pass the recommendation along. Here are a few things about my experience with Sky Blue I want to share. 1) They didn't charge me until they reviewed my credit, gave a consultation, and made sure I was comfortable. 2) They went to work really fast, stayed on the case, and kept me updated. 3) The customer service was completely satisfying and I never felt lost. 4) They did everything for me, and I'm a busy person, so that's exactly what I needed. 5) Their program was worth its weight in gold. It wasn't an overnight fix, but in six months my scores improved 120 points and my reports are amazing to see. To sum it up, they were exceptionally professional and effective. I strongly suggest you try them too.

After reading reviews for the top 5 credit repair services, I decided to go with Sky Blue. This was because others had commented that Sky Blue is honest about whether or not they can help you; they won't charge you if they believe you can do better on your own or if there is nothing more they can do. That is precisely what happened to me. I received a call today from a Sky Blue representative telling me that I only have one negative item on my credit report. Because it should not have been on my credit report, she said it would be very simple to dispute on my own. She told me how to do it, and then said they'd refund my money (I had just ordered the service). I would rate this service #1 for integrity and customer service, and I have already recommended it to friends. It's not often that one finds a company that is more concerned about helping people than about getting the business. Thanks, Sky Blue!

Sky Blue is a great operation. After three months with Sky Blue I have had over a dozen problems deleted. I have been consistently impressed by all of my communication with the company. The staff is very smart and friendly. I can see why they have an A Plus rating with the Better Business Bureau. I am also impressed by the care they put into in making sure everything is done with my credit scores in mind. I plan to apply for a mortgage in the near future and my credit scores are already close to my goal. I am very satisfied with Sky Blue and recommend them strongly. At forty-nine dollars a month it is the best investment I can imagine.

Great company!

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4 Ovation Credit Ovation Credit Ovation Credit Services is an attorney founded credit repair company operating since 2004. The company is headquartered in Jacksonville, Florida. more.

This is a very nice company, highly focused on your account and getting results. They are careful and diligent and will not set off alarms with the credit reporting agencies. Ovation Law will not rush in, instead they take a strategic course of action to clean up your credit reports. There is no such thing as a quick fix for damaged credit, only careful and concise action over time will work. Ovation Law will clearly explain the process, time frame and expected results up front for you. I recommend this firm for your credit repair needs, they have done me a great service so far and continue to provide excellent customer care.

For those of you who may be thinking of starting the credit repair process, but still doing your homework, you can stop right here. I am a client of Ovation and have been on and off since 2006. You will get white glove service here at Ovation. The best part is there is no contract, you are free to cancel anytime. These guys are great! Ovation Credit Services, thanks a million

They are the best of the best plain and simple been there done that nobody compares to Ovation

My name is Steve I work for Ovation and they cleaned up my wife's credit in 6 months they raised her score 100 points and got over 20 neg items removed and because I work there they did this for free, if you need help email me directly at

And I will bring up your credit summary and review your credit with you and recommend the best course of action to help you fix your credit

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5 is a Deerfield, Illinois based credit services organization providing credit report repair services since 1997. The company claims to have assisted over 80,000 customers in improving their credit reports and increasing their credit scores. more.

I was very skeptical about credit repair industry at first. You hear so many bad things about it. At the same time there are some exciting stories about fellows who used credit repair service, fixed credit and started new life. So I decided to become one of them and start a new life with EXCELLENT credit. So I did lot's of reading about how to choose credit repair company, what questions to ask etc. Etc. And decided to go with There are several reasons why I chose Credit but I will mention only 2: results and price. I read feedbacks about and they did sound good to me, price - very affordable. I don't know about you, buy price is very important factor for me. Anyway, I am very proud to say that I made a right choice (now I know I did! ) and with Credit Firm system I was able to fix my credit and get a brand new truck!

Hired to fix my credit back in march. As of today 12/13/2014, all of my credit scores have gone up over 150 points on all 3 credit bureaus. I'm buying a house and could be happier. Best financial investment of my life. I just wish I knew about them sooner, if I fixed my credit 2 years ago I could have bought the same house I'm buying now for $50,000 less, lol. At least I'm getting an interest rate under 4.25%! Anyway, if you're looking for a company to help you fix your credit, I highly recommend going to

Credit Firm helped my raise my credit score over 120 points so that I could qualify for a mortgage. Thank you!

Very good company, I will say stay away from CRE Credit Repair, was with CRE for 3 months and they did very little I than went with CreditFirm and they repaired my credit in 90 days. Thanks CreditFirm.

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6 Better Credit Reports Consulting Better Credit Reports Consulting Better Credit Reports Consulting, founded in 2008 and commonly referred to as BCR Consulting, is an Austin, Texas based company offering credit repair and consulting services based on expertise obtained over many years of dealing with various credit related issues...mortgages, auto loans, etc. BCR Consulting, more.

No other credit repair company would do the work and charge me only for the accounts they have deleted. Searching on Google I've found several credit repair sites who claim at the front page to charge only per results but buried in the fine print there is always a initial payment in advance. Others want my credit card or bank account number to charge their fees as soon as 3 days after sign up. With so many credit repair scams on the internet I wouldn't feel comfortable paying anything in advance, specially when the FTC says that credit repair is not possible.

BCR Consulting really charge only per account deleted, that speaks of their confidence on their ability to take off negative accounts from my report, When I hired BCR I thought "They better do something good for me or they won't get my money".

They did get my money, I like that, they are the only credit repair that never tried to trick me, honest, reliable stand up people. I'm recommending their services to anyone ...more

Simply amazing! There are many scam credit repair companies out there who do absolutely nothing for you. I swear I had under a 500 score and BCR Consulting brought my score up in a little over a month. I had a repossession from Ford motor credit which if anyone knows these guys are brutal and can take forever to come off your reports. They are the hardest ever to get removed from your reports. BCR Consulting got them off of all 3 reports for good among other things I had. I HIGHLY recommend these guys. Whats really awesome is you don't pay until they get it off! How cool is that? They stand by there service to let you know that they work for you. I promise you once they get the first item off you will be so excited that paying them will be an absolute pleasure instead of a chore. Try them out and see. I promise no disappointment with these guys. - combat_airborne

They get results, client support is not too good, looks like this is a small company and they are too busy to answer calls and emails the same day but eventually they write or call back. I found out that this lack of contact doesn't mean that they are not working in my file, letters from the credit agencies and credit cards keep coming even when I can't get anybody on the phone. No hard sale tactics at all, just an invoice by email after they get something removed from my reports.

Another problem is that they don't take debit or credit card payments, its not really big deal for me I don't have any credit cards anyway so I always send them a check but it would be nice if I can pay for they services online with my debit card.

Botton line is that this is a honest and effective company, big difference with the one I tried before, with Lexington I had to pay them every month with or without results and their customer support is just useless. This people got deleted in 2 ...more

Simply the best, do not look elsewhere for credit repair. Most companies charge monthly membership fees to send letters in futile attempts to remove negative information. BCRC will do the job right and get the negative items removed in a timely manner and only charge you for successful deletions.

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7 My Credit Group My Credit Group MyCreditGroup is a Stephenville, Texas based credit restoration company offering credit repair and credit building services since 2000. The company states its team includes credit experts, loan officers, debt negotiators, and people who have worked as collection agents. more.

This company is legit. Not like other large companies that make you do all the work yourself and just send out generic dispute letters. My Credit Group had a custom plan setup just for me. And so far it has worked great. I have went from a 554 to a 682 in 2 months. They get my vote!

My credit group did a wonderful job for my wife's credit. Our program lasted almost 7 months and her score increased by 83 points. We also established our first new line of credit since our bankruptcy.

Money well spent

The biggest benefit I got out of my credit group was the knowledge

I feel like I know so much more now. Give a man a fish and feed him for a day - teach him to fish and you feed him for life

Mycreditgroup offers a lot of stuff. Credit repair, lowering my credit cards and helped me get a new card.

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8 Veracity Credit Repair Veracity Credit Repair

I have been a client of Veracity Credit Consultants only since June, so one month now. I came to them because I want to purchase a home early next year and unfortunately where my credit score is currently will never qualify me for a home loan. Veracity is REALLY working hard for me! And they are helping me to become so informed about my credit. They do not promise overnight results and I have not had any improvements in my credit score YET. However, I feel SO confident that with Veracity my credit situation WILL improve and that I WILL buy my first home next year as planned. The staff is so knowledgeable and very kind. I am EXTREMELY happy with the decision I made in choosing them.

I am pleased with the results as of now. I see things happening that will help me end up with better credit than in the past. I am tired of paying high interest on everything. I want my credit to be as close to 800 as possible. I started in June and I see changes made. I am satisfied with the results. What a good feeling knowing you have good credit. I would recommend Veracity to anyone. Very friendly!

I have only been with veracity for one month.. trying to buy a home and credit score had to be at certain number to apply for loan... happy to say veracity gave me great advice and my score is already good enough for home loan. trying to fix your own score even when you have the money to pay off debts is a bad idea... there are certain things you have to know or it can really hurt you... now I don't assume anything without talking to a veracity agent.

I signed up in July and my credit score has went up at least 200 points. I'm a happy and satisfied customer

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9 Trinity Credit Services Trinity Credit Services

I was impressed to find that before Trinity would even begin working on my credit they where concerned about any current late payments. They would not do anything unless everything was current. We didn't have any late payments when we went with them; however, we had a few struggles going on when we first checked them out.

You have to be patient with the program as it will take at least 6-9 months to start seeing the best results. They wanted even better results on mine and when even futher to remove items. To date they have removed 19 items off my credit including some that were reporting balances of 2,500 or more. Also, they were sucessful in removing a repo on one of the Credit Bureau. This is one they have continued to work on. Another thing they did for me was to give me good advice on other methods of raising my score. One of those methods was piggy backing off of a resposible friend's credit card. I can tell you that my score was nearly in the 400's when I got started ...more

These guys really helped my wife, and I clean up our credit. We primarily sought out a credit repair company to help us get approved for a home loan. Trinity Credit Services helped us meet, and surpass that goal. Until we worked with this company I honestly thought all credit repair companies were scams. I remember telling my that this was probably a waste of money, but for the price we ended up giving it a shot. The prices were higher than average, but considering what we got for our money I feel it was very much worth the investment. Since completing their credit restoration program I've even noticed that my self confidence has increased. It's crazy how much your credit score not only effects your finances, but also your self image. If you're looking for a credit repair company that actually delivers on what the sales rep tells you I would definitely recommend checking these guys out.

One of few credit repair companies I've seen that's registered with the Secretary of State and bonded. It's hard to give a company your confidential information if they can't prove that they are legal. At least with Trinity, you can have that re-assurance. They have proof of their credentials posted on their website. I used their services in the middle of last year and was hesitant to refer them to anyone until I had received all of my results. I had a Chapter 7 bankruptcy, several collections, a reposession and a whole mess of bad credit. When I started the program, my credit score was 523. The bankruptcy was deleted! I couldn't believe it when I got an updated credit report and it wasn't there. They pretty much deleted everything else as well, but the bankruptcy was all that I really cared about. My score is a 672 now and they gave me steps to follow to get above a 700 within the next few months. I'm so excited and recommend Trinity Credit Services whole heartedly!

Thanks Trinity! Very professional, helpful and friendly staff. I wanted a new car, but wasn't willing to pay the high interest rates and high payments. My scores went from 540 to 685 and I got my new car at 3.5% interest! You guys are amazing and I have recommended everyone I know to Trinity! - jdflfl

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10 National Credit Fixers National Credit Fixers

I am 100% absolutely satisfied with the results I got from National Credit Fixers and I recommend them to my real estate clients all the time! Over the year Matt worked on my file he solved numerous problems which mostly occurred through my own inability to communicate properly and to understand the system! It's not that you couldn't do this yourself but it would be a full time job and most people, including me, don't even have the knowledge to know where to start. All around best team, changed my life.

After my fiance and I looked around everywhere for help with our credit, we never expected to fix anything within the next 10 years. Then we came across the National Credit Fixers and met Matt! We thought for sure that it was too good to be true, but he is a great guy and you feel like you're actually top priority when working with them. They've kept in touch and e-mailed daily while we made progress and within weeks our credit is better than ever and we are already on our way to hopefully owning a house! Thanks, Matt!

I have been working with NCF for a few months now. Matt has done a tremendous job with my credit thus far. They're always available to answer any questions I have regarding my credit report. Matt takes out time to also explain different things about my credit that I may not understand. He's very patient with me. He is very welcoming! Matt builds a rapport with his clients which is important. He doesn't make me feel like he's not into what he's doing. He's very knowledgeable. I would recommend him to friends and family anytime.

This company helped me turn my life around! Thanks to them I got a new car and I'm in the beginning stages of my first mortgage! Thanks Guys you're the best!

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The Newcomers

? Key Credit Repair
? Sky Blue Credit Repair Sky Blue Credit Repair Sky Blue Credit is a Boca Raton, Florida company that has offered credit repair and restoration services since 1989. The company operates nationally and is licensed and registered with the individual state Attorney General offices as required. more.

The Contenders

11 The Credit Pros

These Guys are Amazing. My scores went up over 75 points in the first month. they are up front and honest. Thank you so much. Chris

Been enrolled only for a short time, and in that short time I have been with them my credit score has gone up by 100pts!

I'm a mortgage broker, and thank god for these guys! They are making me money. No joke!

Best service by far

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12 180 Credit Solutions 180 Credit Solutions

They literally saved me thousands. I was refinancing and my score was affected by over a 105 points from a late that appeared on my report. The refinancing lender told me that based on my low credit score that I would have to pay an additional 1.5 in points. In my loan amount that equated to a little over $4,000.00. Credit Solutions had the damage on my credit removed and my middle score went back to 762 and the points were removed prior to closing the loan. You delivered what you promised. Thanks

Just in case you are interested I am very satisfied with the results I received! My credit score has not just increased a few points; it has increased a lot of points. I started out in the low 500's back in October of 2009 and now I am currently in the low 700's now that is what I call a success story. Just wanted to say thank you for your hard work on getting myself and my credit back in line!

I wanted to thank everyone on the team at 180 Credit Solutions. They were so helpful and focused on my needs and concerns throughout this very stressful time. I really felt like my needs were #1 and that I wasn't just another person with bad credit. I finally was able to get the home loan I so desperately wanted and am now an official homeowner... WHAT A GREAT FEELING! Thanks a million guys!

Best investment ever!

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13 MSI Credit Solutions

I applied to receive a home loan through a mortgage company and was denied due to a bad credit score. I didn't even realize my credit score was low at this time and was a little shocked. The mortgage company turned around and told me about MSI and I'm grateful they did. Within 3 ½ months, my credit has increased over 100 points and now the mortgage company has approved my loan request. Without the help of Jason Long at MSI, my chances of buying a home would be near impossible especially within this time frame. So, I would and have recommended MSI to family members and friends and would definitely use them again if ever needed. Well worth every penny!

We first signed up my husband, so we could purchase a house. After only 4 months in their program we were signing the papers! Thanks to Justin & everyone else at MSI we just bought a new truck too! We now have them working on my credit reports & after the first month they have already gotten several deletions. MSI has turned our lives around, and I promise they can do the same for you! Thanks a million Justin!

MSI has proven that a GREAT company does exist and GREAT customer service does as well. When I contact MSI they began working on scenarios that would best fit my needs and at the end of the conversation I was well educated on what was about to take place! 45 days later my credit scores have risen from the dead! Thanks MSI!

Joey Thomas knows his job very well. Thanks to him I can get a peace of mind.
I have tried Lex. Law for about a year, and MSI can do a MUCH better job and in much less time. Not only that, but I learned WAY more about what plan of action I should take for my financial future.

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14 The Credit People

I can't believe what The Credit People have done for me. I am not the easiest person to reach and I'm definitely not the most organized (which is why I chose them honestly) but they managed to raise my credit score by 72 points already, so I'm happy!

I just signed up my wife for The Credit People's service. They did wonders with my credit so we're going to have them work on hers now too.

I used this company last year and now I see them here, they are everywhere. I had a great experience and thought I would let folks know they are a great company and do a great job for much less cost than anyone else. When you compare them like I did it's no contest.

Amazing experience

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15 National Credit Consultants

I was very skeptical when my mortgage broker requested that I call National Credit Consultants for credit repair. I researched the company and found them to be accredited by the Better Business Bureau. They were very honest and up front and the final result was more than I ever expected. They raised my score from a 560 to a 720 in less than 3 months. My wife and I now have a new home, "The American Dream" and I don't think we could have done it without National Credit Consultants. We are forever grateful to the. WE HIGHLY RECOMMEND THIS COMPANY!

This company was God sent to me! After speaking with 5 different companies, National Credit Consultants was the only company that did not try to mislead me into signing up with them and all my credit issues would go away. The Credit Consultant Mr. Richard Rivera explained to me how my money would be better spent and have better results on my credit score by paying down an account I was currently past due on and then come back to start the credit repair process. Very Honest and at the end my credit score went from a 540 to a 690 in less than 60 days, and they tell me to expect more of a credit score increase by the time the service ends next month. HIGHLY RECCOMENDED.

National Credit Consultants has been more then helpful, I was not even ready to begin this process, it was my mother who had received their service earlier this year and actually started the process for me because I didn't feel it was the right time to spend that money. But thankfully it worked out for the best and my credit score went up within the first two months. The people are very helpful at national credit consultants and are very quick to delivered status updates and results.

Marco, Stephanie, and their team helped me rebuild my credit after a foreclosure and bankruptcy. I cannot thank them enough!

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16 Aggressive Credit Repair LLC

Love these guys. I can tell you that they were genuinely helpful in both repairing my scores and helping me repay my debts.

Awesome! Best reputation in the industry. With this company you work directly with the owner. This is really helpful.

They are in Utah (I'm in Salt Lake City). They helped me get a mortgage, post credit repair. Was very happy.

This company did a good job for me.

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17 Credit Scoring Advisor

I spent months making phone calls and writing letters about a problem with a monthly billing of five dollars. You wrote one letter to them and within one month they deleted all negative information and my score went up 90 points!

Our managing partner, Daniel Sater C.C.E. is a Nationally Recognized Credit Expert. Dan had written the authoritative book on the credit industry, "Credit Scoring Secrets... the Credit Industry Doesn't Want You to Know"

Wow, they are really incredible! I will definitely share this with friends when they need such help.

When I first inquired about a Credit Repair Specialist my friend gave me Dan’s number. I was very skeptical because you hear all these bad stories about people’s experiences and how it’s a scam to hire a credit repair company.

One year ago my credit was horrible. One year later my credit has been significantly raised and I am on the road towards great credit.

Dan and his team always went the extra mile for me. He took time out of his schedule to educate me. You can tell he really cares and was very passionate about his job. Even after my contract with his office had expired, Dan continued to help me out and never asked for extra money.

18 Credit One, LLC

Robert at Credit One, LLC is very knowledgeable when it comes to credit repair! I had a state tax lien in Kentucky for unpaid taxes and an unpaid collection from one of the cell phone companies. After finally paying off the tax lien, it was still majorly affecting my credit score. The credit bureaus said they wouldn't remove the lien for another 7 years from the date of payment. It was also causing me to be denied any size line of credit! Which makes it impossible to begin improving your score. Credit One was able to get the tax liens and the collections removed. Since then I have been able to open multiple lines of credit. In 6 months they were able to get my score from a 634 to a 710! Now that's progress! I would highly recommend this company to anyone in need of any type of credit repair, large or small!

Very very great company extremely legit, had doubts coming in but robert took my score from a 580 to a 725 in the matter of no time which allowed me and my wife to purchase our dream home! Thanks Robert and credit 1 staff amazing job!

19 Premier Credit Consulting

I cannot thank Premier Credit enough for making the credit repair process so smooth. Not only were they professional when addressing my credit discrepancies, but were prompt in their communication and great to work with. I was assigned my own team of 3 Credit Analysts allowing me access to advise, account updates and coaching at any time. Thank you for restoring the confidence I needed with a good credit score.

You have help lift such a weight from our shoulders! We 're so glad this is all behind us, and now we can move on! You have been instrumental in helping us reach our goals, and we are now able to move forward with our lives! Thank you so much, we appreciate all your hard work over the past months. Best wishes, and keep up the good work!

The team at Premier Credit Consulting helped me qualify to purchase a home in Utah. My home builder recommended their services and they were awesome!

Premier Credit was professional and efficient. They helped me overcome difficult situations on my credit. I would refer anyone to them as they are a trusted company!

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20 The Credit Builders
PSearch List

What is credit repair?

While there is no universally accepted definition of credit repair, you can think of it as proactively working to increase your credit score by optimizing the information recorded in your credit reports.

When most people think of credit repair, they think of removing negative information from your credit report such as late payments, collections, and charge-offs that negatively affect your credit score.

Beyond this, credit repair can also include better managing credit limits, having a good mix of types of credit accounts, adjusting payment dates, and other tactics that seek to increase your credit score by taking into account the formulas used to calculate credit scores and making sure your credit reports are positioned to result in you having the best credit score possible.

How is it possible to delete bad credit?

Many people don't realize that their credit reports are not official government documents. Instead, your credit reports are maintained by for-profit corporations (the credit bureaus) that profit from the collecting and selling of your financial information. These credit bureaus do provide a valuable service by assisting lenders and others with making more informed decisions regarding credit worthiness, but it bears repeating that they are not official government entities.

Additionally, there is no law requiring that a creditor has to report negative information about you to the credit bureaus and there is no law requiring the credit bureaus to include said information in your credit reports. In fact, the majority of laws relating to consumer credit repair specify what types of information cannot be added to your credit reports, how long information can remain on a credit report, and under what circumstances that information has to be removed.

Finally, it is important to note that credit reporting is far from a perfect science and credit reporting mistakes happen all the time. Whether they are a result of mistaken identity, a clerical error, unscrupulous activities by shady debt collectors, or the product of identity theft, credit reporting errors are surprisingly common.

By enforcing their rights under the various protection statutes pertaining to credit reporting and debt collection practices, consumers can force the credit bureaus to remove inaccurate or misleading negative information from their credit reports. In addition, consumers can persuade creditors to stop reporting damaging information or report more favorably to the credit bureaus through goodwill requests or pay for deletion agreements.

Is credit repair legal?

Absolutely! Your right to fair and accurate credit reporting is protected under consumer protection acts like the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Not only is it your right, but the law makes it your responsibility to ensure that your credit reports and your credit score are a fair representation of your true worthiness. If you are unfairly denied a loan, required to pay too high of an interest rate, or even denied employment based on a credit score you do not feel is correct, the task of rectifying the issue falls to you, the consumer.

What do credit repair companies do?

A reputable credit repair company will work on your behalf to help remove questionable negative items from your credit report. At a minimum, most companies will dispute these items with the credit bureaus for you. Many will also work directly with your creditors in an effort to get them to remove negative items from your credit reports or change the way they are reporting specific accounts.

Credit repair companies offering a more holistic service will pair credit deletion services with credit score optimization assistance and coaching. Because credit scores are a reflection of both the good credit and bad credit accounts on your credit reports, these types of services are often times more effective in raising credit scores than just focusing on one side of the equation.
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