We will analyze your TransUnion, Equifax, and Experian credit reports to determine the strengths and weaknesses of your credit. If you want to rebuild your credit, it’s important to know where it stands at the start of the process. Credit scores are important yardsticks that lenders use to help gauge creditworthiness, and you can check yours quickly and easily to get a “before” picture for your credit makeover. You can check your FICO® ScoreΘ from Experian for free from Experian for free.
Credit Karma software uses The Vantage 3.0 scoring model for their credit reports as most credit bureaus utilize traditional FICO Score tools specific to the type of financing. While the software can give you some information about your financial situation, the credit score used by companies, credit bureaus, and financial institutions is calculated differently. Credit bureaus have very specific formulas for calculating credit scores.
How Much Does Credit Repair Cost?
That said, there are some steps you should take to ensure you’re working with a legitimate, reliable company. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. The use of this website means that you accept the confidentiality regulations and the conditions of service. We also considered CNBC Select audience data when available, such as general demographics and engagement with our content and tools. To view important disclosures about the Experian Smart Money™ Digital Checking Account & Debit Card, visit experian.com/legal.
Our platform equips you with innovative tools and a straightforward approach, eliminating complexity and guesswork. On the other hand, Lexington Law is one of the best-known and most dominant credit repair companies in the country. It’s hard to discuss credit repair without at least mentioning them. The Money Management package includes some basic services but does not address credit repair.
The Best Credit Repair Services Of October 2025
Furthermore, the option for a free consultation in both English and Spanish demonstrates a commitment to accessibility and personalized service, making it an attractive choice for a diverse range of clients. The 90-day money-back guarantee promises a refund if there’s no discernible improvement in your credit score within the specified time frame. Before you enlist the help of one of the best credit repair companies, understand that you can dispute debt and correct credit reporting errors on your own if you’re willing to put in the time and effort. Cutting out creditrepair saves you money, and there are free resources you can lean on to facilitate the process. For example, you can access letter templates directly from the CFPB for disputing your credit report with the credit bureaus and creditors. Choosing Best Credit Repair means choosing personalized services perfectly tailored to your circumstances.
We will work with you (the buyer), your lender, and the real estate professional involved in your purchase to ensure we are able to hit your closing date deadline with efficiency. Our process includes the creidt reporting agencies (CRA’s), creditors and third-party collection agencies who have reported erroneous information on your credit report. Going after the inaccurate information on all platforms helps create a permanent result.
Payments 30 days or more past due can be reported to credit bureaus as late. Because payment history is the biggest factor in your credit score, even one late payment can lower your score. Late payments stay on your credit report for up to seven years. Inaccurate negative information, even if it’s just a late payment that was actually paid on time, could lower your credit score. Errors in personal information, such a name or address reported incorrectly by a creditor, won’t affect your credit score but should still be corrected. If your credit report contains something you believe is inaccurate, you have the right to file a dispute with the relevant credit bureau.
You should only consider credit repair companies to correct inaccurate information. Second, they can’t guarantee any outcome within a set timeline. Since most companies bill at a monthly rate, you may be paying for a while before you see results. Disputing credit reporting errors involves reviewing your credit history, identifying inaccuracies, and gathering evidence to support your claim.