How does credit repair work ?

Our credit restoration experts start by obtaining copies of your credit reports from the major credit bureaus (Equifax, Experian, and TransUnion). Review these reports carefully to identify any errors, inaccuracies, or negative items affecting your credit score.

Creating a customized strategy or roadmap specifically designed to address your unique credit situation. This plan takes into account factors such as your credit history, current financial obligations, and credit goals, with the aim of improving your credit score and overall financial health.

High credit utilization can negatively impact your credit score. To improve your score, focus on paying down existing debt, especially high-interest credit card balances. Lowering your overall debt-to-credit ratio can have a positive effect on your credit score improvement .

Consistently making on-time payments on all your bills, including credit cards, loans, and utilities, is crucial for credit score improvement . Additionally, consider diversifying your credit mix by responsibly using different types of credit, such as installment loans and revolving credit accounts. 

As credit restoration experts we enact a security freeze with 19 Different third-party reporting agencies, preventing storage or sale of your personal information and unauthorized access to your credit details. This safeguards your data from unauthorized use, enhancing both privacy and security. (Examples include LexisNexis, CoreLogic, SageStream, and ARC.)

Credit education involves learning how credit works, understanding factors affecting credit scores, and mastering responsible credit management. It includes knowing how to check credit reports, interpret credit scores, and improve credit health through budgeting, debt management, and timely payments.