It’s important to call around to different companies and inquire how their process works – you’ll notice most companies will take 8-12 months to do something that takes us only 1-3 months. I have been performing credit repair and credit counseling since 2004, and I have personally reviewed over 15,000 credit reports. creditrepair charge $80 per account per bureau (if I can fix the account), there are no other charges. Questions, advice, and analysis of your credit report is free. The credit repair process typically takes about 3 to 6 months in Texas, depending on the complexity of your case. Although credit bureaus must respond within 30 days of receiving a dispute, investigations can extend well beyond this period before any changes are made to your credit report.
You can get started with a free online credit report assessment. You can repair your credit on your own, although it will take time and persistence. For many people, the modest fees of a professional credit repair company are worth the convenience.
What Is Credit Repair?
Since credit repair is something you can do on your own for free, it’s important to determine whether you can afford the fee and if the services provided will be worth the cost. Typically, credit repair companies offer a free consultation to determine your potential timeline and help you decide if credit repair is the right approach. You’ll likely also have to do more work on improving your money management habits.
You’re Our First Priorityevery Time
With AI-driven support, outdated data, duplicate entries and unverifiable debts are seamlessly removed from your credit profile. No credit repair service can guarantee a score increase as the outcome varies depending on your credit situation. However, some credit repair companies offer a 90-day money-back guarantee if no negative items are removed.
A Word From Clients With Improved Credit
Remember, Credit Journey is a free tool you can use at your disposal to help set you up with an action plan to help you get to work on improving your credit score. Credit restoration, on the other hand, has more to do with restoring lost or stolen credit cards and other sensitive information that could further harm your credit score. Regardless of how your credit score ranks, if fraud or other suspicious activity occurs, your score could be negatively impacted. Credit restoration aims to help re-balance and protect your credit score.
