Credit Repair
your credit score goals. Our credit repair services
can help you work to remove the inaccurate or
unfair negative items listed on your credit report.
Call us to get started
Find out why over 500,000 clients chose CreditExpertsRus
What is Credit Repair?
Credit repair is the process of improving a poor credit score by addressing or removing negative items that could be listed on your reports inaccurately. Although the Fair Credit Reporting Act outlined the right for Americans to have accurate credit reports, credit reporting agencies require you to navigate complicated online systems and send a series of formal dispute letters in order to fix your credit.
To make credit repair easier, Credit Experts R US can identify and challenge questionable items on your behalf. Using our patented credit repair process, Credit Experts R US clients have seen over 221 million challenges and disputes since our founding in 2004.
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How We Help Fix Your Credit
Client Results
Over the past two decades Credit Experts R US has pioneered new credit reporting strategies that increased the effectiveness of case outcomes and improved individual results. In 2020 alone our clients saw over 7 million removals on their credit reports.
But don’t take our word for it. Explore some of our reviews and see what our customers have to say about our results.
Your Credit Rights
The Fair Credit Reporting Act (FCRA) plays a major role in the credit repair process as it’s laws protect consumers by governing credit bureaus and the furnishers of credit information like creditors and financial institutions. Some of the key laws and rights granted in the FCRA include:
- Credit bureaus are required to provide one free credit report every 12 months
- Credit bureaus are required to verify the accuracy of information listed on the report.
- Creditors and financial institutions are required to only report complete and accurate consumer information.
- Consumers can challenge incorrect and incomplete items listed on a credit report.
- Consumers can seek damages from credit bureaus and furnishers violating the FC
- Consumers can limit who can access your credit reports.
- Consumers can request if your credit report is being used against you financially.
The team at Credit Experts R US will help you understand your credit profile and rights as a consumer during our free credit consultation.
Do It Yourself Credit Repair
If the number of errors on your credit report are below average, fixing credit yourself could end up being a free alternative. To get started, our tips on DIY credit repair will cover how to request a free credit report, and review it for error. For information on removing negative items, our guide to credit disputes will get you started with the basic process of disputing through removal letters. For direct information on removing negative items, our free credit dispute letter templates will help in removing some of the common errors found on a credit report.
Maintaining Good Credit
If your credit report is already free of errors and negative items, credit repair will not help you raise your credit score. After your report is clean, raising your score comes down to practicing good credit habits and being mindful of how a credit score is calculated. For more detailed insight on improving your credit, here are the five main factors that affect your score:
- Payment History & Late Payments: 35%
- Credit Utilization: 30%
- Number of Credit Inquiries: 15%
- Length of Credit History: 10%
- Credit Diversity & Types of Credit: 10%
We provide engaging financial resources to ensure that consumers are able to live a better life.
This we do by focusing on the accuracy of consumer credit reports.
We become your voice to ensure the proper reporting of your credit reports.
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