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Credit repair involves ensuring that credit reporting agencies are accurately creating your credit report. This includes verifying that all information contained in the report is valid and legally permissible. The ultimate goal of credit repair is to restore your credit report to its optimal state, which in turn can lead to the best possible credit score.

By optimizing your credit report, you can improve your chances of obtaining credit in the future.

Credit repair doesn’t have to be a hassle,
We keep it simple:


  1. Our process begins with a comprehensive analysis of your credit report to identify negative and positive factors affecting your credit score.
  2. After identifying areas that need improvement, we take swift action by disputing questionable items and proactively addressing issues that can positively impact your credit score.
  3. Our goal is to deliver a comprehensive credit repair service that helps you achieve your credit score goals.

Frequently Asked Questions

Credit repair is a process through which individuals challenge negative items in their credit report if those negative items are inaccurate, misleading, outdated, or obsolete. Over the years, we’ve seen every type of credit problem and have had over 1,800 companies apply for our program. So, our questions and answers below are more than a mere “FAQ” page, but rather, significantly researched information borne from experience.

Does credit repair work?

Yes, but… that’s like asking if anything works. Credit repair (like anything) works to the extent it is done correctly. It may not work if you’ve hired a company who is unskilled, lazy, unorganized, etc., or, worse, a company intentionally scamming you or ripping you off. So long as the dispute letters are legally compliant and strategically targeted, yes… credit repair works. Moreover, its illegal for it to NOT work. Let me explain: Subscriber (people who send information to credit bureaus, like your bank) and the credit bureaus are required by federal law to maintain accurate information.

Should I use do-it-yourself credit repair software?

Eh. People are very smart. Sometimes too smart for their own good. Do-it-yourself repair is possible and people are absolutely smart enough to do it, but… that doesn’t mean you should. You could probably figure out carpentry, laying tile, sewing, etc. But, your time – and the income you can generate with your labor – is better off spent on your specialty. If you do credit repair yourself, it is a time investment you will regret. Plus, you will likely do everything correctly and the credit bureaus may just outright ignore you. Are you prepared to sue them? So, you’d be better off paying someone a small fee to do you “dirty” work. Software is designed for companies, who require efficiency with lots of clients. Although credit repair software would assist a do-it-yourselfer, it doesn’t change the fact that you’d be better off paying someone else to conduct credit repair for you.

Is it possible to speed up the credit repair process?

No, if you mean that the repair is done correctly. Yes, if you mean avoiding mistakes and setbacks. Here’s the point: Credit repair is a process of challenging information in your credit report, which gives the subscribers and credit bureaus a Federally mandated time frame in which they can respond. So, unless a credit repair company can change federal law, they cannot “speed up” the credit repair process. However, a credit repair company can slow down the process by dropping the ball, being unorganized, etc. In other words, companies cannot speed up credit repair, but they can slow it down. So, hire a good company and the time will be the same.

What's the difference between adding tradelines and credit repair?

As explained above, credit repair can be defined as simple as this: removing negative credit items from your credit report. As explained elsewhere on our site, tradelines can be defined as simple as this: adding positive credit items to your credit report. Yes, both have a positive impact on your credit score. However, there’s a cart-before-the-horse situation here, because if you add tradelines for sale to credit report with many negative items, you may not realize the full benefit of the authorized user accounts.  On the other hand, piggybacking off of seasoned authorized user tradelines can drastically increase credit scores if you add them to a credit report with few-to-no negative accounts.