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You’ve probably heard the term “credit repair” at least once or twice in your life. And, if you’re one of the millions of Americans with a bad or poor credit score (lower than 601), you’ve probably wondered if it can help your standing. But what is credit repair exactly? Let’s break it down.
What Is Credit Repair?
Technically, credit repair can involve fixing your bad credit in any way, shape or form, but when most people use the term, they’re referring to the process of disputing errors on credit reports. You can go through this dispute process for free with each of the credit bureaus on your own. This involves filing a formal dispute with the credit bureau(s) in question either online or via snail mail. Many people, however, don’t have the time or don’t understand how to make their case, so they look into hiring a credit repair company to dispute errors on their behalf. These companies charge a fee for their legwork, but there are times when the extra help can certainly be welcome.
Is credit repair right for you?
Depending on the status of your credit report, credit repair might not be the best next step to raising your credit score. Our credit repair services are designed to help those who are most in need of negative item removals from their report.
Answer the following questions to find out if credit repair is right for you.
How Does the Credit Repair Business Work?
To get to the heart of what credit repair is and how credit repair companies operate, we went to Randy Padawer, Consumer Education Specialist with Credit.com partner Lexington Law, which represents consumers who want to repair their credit.
What Do Credit Repair Companies Do?
A good credit repair company will first pull your credit reports from each of the three major credit reporting agencies to pinpoint your credit issues. Why all three? Because each credit reporting agency has its own “data furnishers” (aka lenders,
How Long Does Credit Repair Take?
Getting negative, inaccurate information off of your credit reports is one of the fastest ways to see an improvement in your scores. Since credit bureaus have to respond and resolve a dispute within 30 days (there are a few exceptions that may extend this to 45 days),