Credit Repair

Fix Credit Score: Overview of the Credit Bureaus, Reports, and Your Options for Cleaning Your Credit Up

Are you having trouble with your credit reports? Is there information on there that you feel shouldn’t belong? Are there errors? Or anything that seems unfairly reported? There is a good chance that you will be able to fix credit score by having that information removed. However, depending on how much of a mess your reports are in, you might have trouble doing it alone. You might want to consider getting help from a credit repair firm.

It can take up to 30 days to investigate each piece of information you are trying to dispute. Suppose the credit agency finds that your dispute is valid. In that case, the creditors will remove the information, and your score will likely go up shortly afterward. How high it will increase can’t be known precisely. Any credit repair firm that tries to tell you that it will go up by a specific amount within a certain amount of time is lying to you and likely a scam.

Fix Credit Score With a Paid Service

While they can charge you for their services, they can’t demand payment upfront. It’s a red flag if they try to get money out of you without first even evaluating your situation to determine if you are a candidate to fix credit score.

The one benefit of trying to dispute information and having it removed by yourself without any help is that you won’t have to pay any money. To do it on your own requires that you obtain copies of all three reports to see the most recent score. You’re allowed to view each report for free once a year (Experian, Equifax, and TransUnion). You’ll need to understand what all of the information means, how the score is determined, and whether you can potentially remove anything.

If there is much information and your reports look like a mess, then it might not be worth the energy and hassle of doing everything on your own. It can be a very time-consuming process as you’ll have to dispute each item you want to removed by sending a letter to the specific bureau that that particular item is on. Then, you’ll have to wait up to 30 days to hear back.

In the end, it might be better off just to let the professionals handle it. Avoid the red flags mentioned above. Get a free consultation with a service such as Credit Saint to find out if they will fix credit score for you.

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