Credit repair is the process of reviewing your credit reports and challenging information that is inaccurate, incomplete, outdated or can’t be verified. When a credit bureau or creditor can’t confirm an item is correct, it has to be fixed or removed.
What credit repair can do
- Challenge collections, charge-offs, late payments, repossessions, bankruptcies and inquiries that are reported incorrectly or can’t be verified
- Fix wrong personal information, like old addresses and names that aren’t yours
- Remove items that have stayed on your report longer than the law allows
- Help you build positive history so your file shows strength, not just fewer negatives
What credit repair can’t do
No one can legally remove accurate, timely information from your credit report. Anyone who guarantees a specific score, a specific number of deletions or results by a specific date is a red flag.
You can do it yourself
You have the right to dispute items directly with Equifax, Experian and TransUnion for free. A credit repair company does the work for you: reading your reports line by line, building the strategy, sending the disputes, following up and helping you plan what to apply for next.
What the law says
The Credit Repair Organizations Act protects you when you hire a credit repair company. You’re entitled to a written contract that explains the services and your rights, and you can cancel within 3 business days of signing.
Want help with your file? Book a free strategy call, or learn the process yourself with The Approval Room (free for 7 days).
This article is for education only and is not legal or financial advice. Results vary.