Many credit repair companies only provide disputes to the credit bureaus or generic ‘validation letters’ to creditors. We will evaluate the credit history to create the best plan for improving your personal financial situation and your score. There are a few things you can do to make sure your credit stays in good shape after it’s been repaired. First, be sure to make all your account and loan payments on time–this includes any new loans, credit cards, or lines of credit you take out after your credit has been repaired. Most systems now offer automatic card or loan payments or you can set up alerts each month to remind you. Second, keep your credit card balances low–use less than 30% (ideally 10%) of your credit limit on any credit cards you have.
Paying a collection without confirming it’s valid can restart the clock on how long it stays on your credit report. Use the card for small purchases and pay it off in full every month. If it’s recent or actively affecting your credit score, then paying it may help—but only under the right terms. Even one late payment can hurt your score, especially if it’s more than 30 days past due. Credit repair can take several months, depending on the complexity of your case and the number of inaccuracies.
Payment History (35%)
Information, including rates and fees, is accurate as of the publishing date and has not been provided or endorsed by the advertiser. Kevin Thompson, finance expert and founder/CEO of 9i Capital Group, noted that people will need patience to repair their credit score because it could require a lot of follow through with creditors and credit bureaus. The benefit of a credit repair service s is that the company handles that for someone. The CROA bans credit repair companies from using any practices involving fraud or deception. Companies aren’t allowed to use tactics that mislead the credit bureaus or lenders or that try to hide accurate negative information on a customer’s credit report.
How Does Credit Repair Work?
We will continue to work on your credit and implement results-oriented strategy as long as it takes to get your score where you want it to be. Keep an eye out for any company that tries to charge you before completing any work or recommends you enter false information on credit or loan applications. Carefully review services offered and packages — if applicable — to find the best fit. We aim to make sure everything on our site is up-to-date and accurate as of the publishing date, but we cannot guarantee we haven’t missed something. It’s your responsibility to double-check all information before making any financial decision. Sky Blue’s true flexibility lies in your ability to pause service, start back up whenever you’re ready, or even change your monthly payment due date.
Stay on top of your credit health with our simple yet efficient tracking system. Carefully designed to provide comprehensive analysis, this platform enables you to constantly evaluate your credit score, observe its progression, and actively engage in the credit repair act. As the top credit repair agency in Los Angeles, we firmly believe in providing everyone an opportunity to mend their credit, which is why our services start at an incredibly affordable price of just $19.
A company that isn’t transparent with their pricing or the services they offer could be a scam and I suggest you look for services elsewhere. The Credit Repair Organizations Act outlines clear guidelines for how credit repair companies can operate. It aims to protect consumers by banning misleading and deceptive business practices and guaranteeing certain rights and protections for consumers. The more positive information you have in your credit report, like on-time payments and low credit card balances, the better your credit will be. We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score.