Credit & Debt Counseling

Credit repair is the process of addressing negative items on a credit report in order to improve an individual’s credit score. Credit repair companies work with individuals to review their credit reports and dispute any errors or inaccuracies that are negatively impacting their credit score.

First, we'll evaluate your credit history and dispute any incorrect findings. Then, we'll prioritize the actions that will improve your credit score the fastest.

Each situation is different, but most of our customers see results within 45-60 days. 

No two credit histories are the same. That said, depending on the situation, we've seen increases as large as 200+ points. 

Here are some tips that you can do to help keep your credit in top shape

7 Tips for Building Good Credit

1. Pay Your Bills on Time: One of the most important things you can do to build good credit is to pay all your bills on time. Late payments will cause your credit score to suffer. Set up automatic payments or reminders to make sure you don’t miss any deadlines.

2. Keep Balances Low on Credit Cards and Other Revolving Credit: High outstanding debt can affect a credit score. Pay off credit cards and other revolving credit accounts each month or keep the balances low relative to the credit limit.

3. Don't Open Too Many Credit Accounts at Once: Applying for too much credit at once can negatively impact your credit score. Open new credit accounts only when you need them.

4. Don't Close Unused Credit Cards: Closing credit cards can negatively affect your credit score. It's much better to keep the accounts open, even if you're not using them.

5. Monitor Your Credit Report: Make sure all the information on your credit report is accurate. You can get a free copy of your credit report once a year from the three major credit bureaus.

6. Dispute Credit Report Errors: If you find errors on your credit report, contact the credit bureau and dispute them. The credit bureau must investigate the dispute and remove the mistakes if it finds that they are inaccurate.

7. Don't Apply for Too Many Credit Cards: Applying for too many credit cards can hurt your credit score. Only apply for new cards when you need them and make sure you pay off the balances each month.

Common credit repair techniques include disputing inaccurate information on credit reports, paying down debt, and regularly making payments on time. Additionally, individuals may consider applying for a secured credit card or taking out a loan to improve their credit score.