Is Credit Repair Worth It?
It can be, if your reports contain inaccurate, outdated, or unverifiable items and you'd rather have help. But you can dispute errors yourself for free, and no one can legally remove accurate information. Here's an honest way to decide.
The free DIY route
Federal law lets you dispute inaccurate information directly with Equifax, Experian, and TransUnion at no cost.
- Pull all three reports and compare them
- Dispute each error with the bureau that reports it
- Keep copies and track the 30-day investigation window
- Follow up on anything that isn't corrected
When help makes sense
- You have several items across three bureaus to track
- You're preparing for a mortgage, car loan, or rental
- You want someone to write, send, and track the letters
- You want a credit-building plan alongside the disputes
When it doesn't
- Your negative items are accurate and current
- Someone promises a specific score or removal
Not sure? Start free.
Our free credit analysis tells you what may be challenged and what can't be changed, with a written action plan even if we can't help you. See how our credit repair service works and our pricing.
Start with a free credit analysis
You get a written action plan even if we can't help you. Cancel anytime.
Zero-risk start
- Free credit analysis
- A free action plan, even if we can't help you
- Cancel anytime
- We text and email you updates
Individual results vary. These are real clients sharing their own experiences; their results are not typical and are not a guarantee of results. No one can legally remove accurate, current, and verifiable information from a credit report.