Credit Repair

What is Credit Repair?

Credit repair is the process of addressing errors or inconsistencies on your credit report in order to improve your credit score. It can involve disputing errors with the credit bureaus, working with creditors to correct or remove negative items from your credit report, or taking other steps to improve your credit standing.

Credit repair can be a useful tool if you have had financial difficulties in the past, or if you are working to improve your credit so you can qualify for a mortgage or another loan.

Be cautious when choosing a company

Some companies claim they can fix your credit quickly, and some use unethical or even illegal tactics. Research any credit repair company before working with it, and be wary of any company that makes unrealistic promises or demands payment before services are performed.

Credit repair takes time, and there are no shortcuts to improving your credit. You can also dispute inaccurate information with the credit bureaus yourself; our DIY option gives you a process for doing that.

Credit repair and the Credit Repair Organizations Act (CROA)

The Credit Repair Organizations Act (CROA) is the federal law that governs credit repair companies. At Credit Supreme, we take pride in abiding by CROA regulations thoroughly. Learn more about what the law requires in our guide About Credit Repair.