They affect not only whether you get approved by lenders for things like a mortgage, personal loan or car loan, but also the specific terms of the agreement, like how favorable your interest rate is going to be. While much of this is work you can do on your own, it can be daunting and time-consuming. For users of credit repair companies, having a professional go to bat for you is worth the expense —especially when the result is a major increase in your credit score.

Chase For Business

Additionally, The Credit People offers an excellent money-back guarantee. creditrepair can cancel your subscription whenever you want and receive refunds of the last and previous month’s payment. Most companies have a 90-day money-back guarantee or only refund you for the previous month of service. Credit Firm doesn’t cap the number of dispute letters and challenges you can file with the credit bureaus, a feature usually only offered as an upgrade.

But if you’re swamped and don’t have the time to stay on top of your score, consider signing up for a credit monitoring service that alerts you to any changes or suspicious activity on your reports. This way, you can address issues promptly and protect your credit score. CreditRehab Pro requires a complete three bureau credit report so you can dispute accounts and track your results with all three credit bureaus all at once in one online account.

Consolidate High-interest Debt

If your score isn’t where you want it to be, the good news is that it’s not permanent. When researching credit repair companies, consider the timeline, fees and overall process to potentially avoid credit repair scams or costly mistakes. Doing so also helps you select the best service for your situation. Access a wealth of credit repair resources and educational materials to empower yourself with knowledge about credit scores, reports, and effective financial management. Experience our unparalleled credit repair services with no upfront costs.

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This demonstrates to creditors that you can manage credit effectively, helping to improve your credit score over time. Ideally, you want to aim to keep your credit card balances below 30% of your credit limits, and ideally, even lower. High credit utilization, or the percentage of your available credit that you’re using, can negatively impact your credit score.