Resources for Credit Repair

Advisers and consultants to the credit industry, specializing in consumer credit repair. Review listings to find links to credit repair specialists and credit repair programs.
Bad Credit Repair

An individual does not have to be stuck with a bad credit score. There are a number of steps that individuals can take to repair their bad credit score on their own. more »

Credit Repair Agencies

Before engaging the services of a credit repair agency, customers should make sure they distinguish between reputable and fraudulent companies. more »

Credit Repair Companies

In order to improve a bad credit score, one option available is to hire a reputable credit repair company. Credit repair companies offer to raise the credit score of an individual … more »

Credit Repair Services

There are a number of fraudulent credit repair services that take advantage of customers; therefore, individuals need to make sure that their rights are protected. more »

Credit Repair Software

Since credit bureaus collect this information and store it centrally, you need to be able to safely and accurately make changes to any erroneous data. more »

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Credit Score Repair

Individuals are encouraged to take steps as soon as possible in order to change their credit score. With enough time and patience, individuals can have a positive effect on their c… more »

Credit Repair

Top credit report repair correction and FICO score optimization services, tutorials and more. BBB Accredited. Established 1989.

http://www.SkyBlueCredit.com
Credit Report Problems

Credit Report Problems handles claims involving credit report errors, fair debt collection practices, identity theft, and other consumer fraud issues.

http://www.creditreportproblems.com
Credit Restoration of Nevada

Credit repair, restoration & credit counseling service serving Las Vegas and Nevada. Fix your credit score. Remove foreclosure, collections, and more.

http://crnevada.com

Credit Repair

You've seen the ads, received the emails, and opened the letters--all of them telling you how you can "legally" repair your credit history by using credit repair services or software. The problem is that many of the tactics these credit repair consultants are suggesting are either illegal or can be done without their help for a fraction of the cost.

According to the Federal Trade Commission, we should be wary if credit repair specialists:

1. Want you to pay a fee before providing any credit repair services.
2. Don't tell you your rights and what you can do for free.
3. Recommend that you don't contact a credit reporting agency on your own.
4. Suggest that you invent a new identity by applying for a new Social Security Number or Employer Identification Number.
5. Suggest that you dispute everything in your credit report.

Many of these tactics are fraudulent, and you could even face some heavy jail time.

Get copies of your credit reports

All three major credit reporting agencies have to provide you with copies of your credit reports on a yearly basis if you request it or when civil action has been filed against you for collection.

Read the reports for errors and omissions

You can dispute anything in your credit reports that is suspicious, erroneously reported or for claims that are more than seven years old. Bankruptcies can stay on your report for 10 years.
Federal Trade Commission's credit repair website.

Contact the creditor

Follow up by sending a letter disputing the error to the company or business that filed the claim.
  • Once your credit is reestablished, consider obtaining a gasoline card or a secured credit card to generate a positive credit history.
  • Keep your credit card balances within 30 percent of your available credit.
  • Keep requests for additional credit at a minimum. Too many inquiries can hurt your credit rating.
  • A so-called "ideal" credit report should contain three-to-five credit cards, a mortgage loan and an installment loan, all showing a positive credit history for about two years.