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Perhaps what's most alarming is the fact that, of the estimated 46,000 credit repair services, ... Annual report of credit and consumer reporting complaints [PDF], CFPB. Accessed October 21, 2024.
The credit repair company will file disputes with the credit bureaus on your behalf. The credit reporting agencies have 30 days to respond to the dispute, or the items in question must be removed.
Credit repair consists of finding and fixing mistakes on your credit report to boost your score. You can do credit repair on your own for free, but it can be time-consuming.
It is the general consensus that a credit repair company can only be paid after services have been rendered. This can be done using a monthly fee model where companies charge clients on a monthly basis after services are rendered or on the more modern pay after deletion model where clients only pay after items are deleted from the credit report.
It’s important to be careful when choosing which credit repair company to go with.
The following chart compares websites that provide United States credit reports or credit scores free of charge. Services limited to cardholders or only offering trial plans are excluded. The chart specifies what is free, what kind of credit reports are included, and whether a full Social Security number is needed.