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Credit repair that starts with what is actually on your report.

A review of your Equifax, Experian and TransUnion reports, a plain explanation of what can be disputed, and help doing it. No promises about scores, because nobody can honestly make them.

Start credit repair See plans and pricing

Signup takes about two minutes. You see your written agreement before anything is charged.

Three steps, and you decide at every one

Nothing is charged until you have reviewed and signed your agreement. Here is exactly what happens, in order.

  1. Enroll online

    Choose the plan that fits your household in our secure signup portal. You enter your name, email and contact details. No uploads, no identification and no passwords are needed to start.

  2. Review your agreement

    Before you finish, you see a written agreement that states the services, the total cost and the expected timeframe, as the Credit Repair Organizations Act requires. You have three days to cancel after signing.

  3. Complete your setup

    Follow the guided onboarding checklist in your client portal: identity verification, report access and next steps, explained as you go. Then disputes go to the bureaus and the companies reporting the information.

Plans for one person or a whole household

You pick your plan inside the signup portal. Each plan has a monthly fee and a one-time first work fee, and both are shown before you sign.

Credit monitoring is billed separately by the monitoring provider: $1 for a 7-day trial, then automatically $27.99 a month. No payment is collected while you sign up. Your first work fee is billed after you review and sign your agreement.

What credit repair does, and what it does not

Honest about what can and cannot change.

What it does

  • Reviews all three of your credit reports with you and explains each section in plain language.
  • Identifies entries that appear inaccurate, incomplete, outdated or unverifiable.
  • Prepares and sends disputes to the credit bureaus and, where appropriate, to the companies reporting the information.
  • Reviews bureau responses and follows up when a response is incomplete.
  • Explains services, costs and your rights in a written agreement before you commit.

What it does not do

  • Remove accurate, timely negative information. That is not possible for anyone.
  • Guarantee a score increase, a timeline, or a lender's decision.
  • Suggest disputing information you know is accurate, or creating a new credit identity.
  • Cancel or settle debts you legitimately owe.
  • Ask for your bank, card or monitoring-service passwords to get started.

Who this is for

  • People who looked at their credit report and found something that does not look right: an account they never opened, a balance that is wrong, a payment reported late that was made on time, or a debt listed twice.
  • People who have been told no by a lender and want to understand exactly why, before applying again.
  • People who would rather have a team handle the paperwork, the deadlines and the follow-up with the bureaus.

What to prepare

None of this is required to enroll, but it makes your report review more useful once you get started.

  • Pull your free reports from AnnualCreditReport.com and circle anything you do not recognize or believe is wrong.
  • Gather any statements or letters that support your side, such as a payment confirmation for a payment reported late.
  • Note which bureau's report shows each issue, since the three reports often differ.
  • Write down what you are working toward, so the review focuses on what a lender will care about.

Rather start on your own, for free?

The free membership teaches you to read your own reports, write dispute letters and track the results, with courses, tools and a community. You can dispute errors yourself at no cost, and many people start there. Either path is legitimate, and nothing in the free membership requires this service.

Join free How to build credit yourself

Questions about credit repair

What does a credit repair company actually do?

It reviews your credit reports with you, helps identify information that may be inaccurate, incomplete or unverifiable, and helps you dispute it with the credit bureaus and the companies that reported it. It cannot do anything you could not legally do yourself, and it cannot remove accurate, timely negative information. Under the federal Credit Repair Organizations Act, a company must give you a written contract, explain your rights, and cannot charge you before the promised services are performed. This service does not lend money and does not make lending decisions.

What kinds of credit-report errors can be disputed?

Anything that is inaccurate, incomplete, or cannot be verified by the company reporting it. Common examples include accounts that are not yours, payments reported late that were paid on time, and incorrect balances or credit limits. Others are the same debt listed more than once, closed accounts shown as open, and personal information that belongs to someone else. Negative items older than the legal reporting period can also be challenged.

Can accurate negative information be removed?

No. Accurate, verifiable negative information that is still within its reporting period generally stays on your report until that period ends. According to the CFPB, most negative information can remain for up to seven years, and some bankruptcies for up to ten. Any company that promises to remove accurate information, or tells you to create a new credit identity, is describing something that is not legal. What you can do is make sure the rest of your report is right and build a positive record going forward.

Can I dispute credit-report errors myself?

Yes. You have the right to dispute errors directly with each credit bureau and with the company that reported the information, at no cost. The Consumer Financial Protection Bureau explains how: send the dispute in writing, say clearly what you believe is wrong and why, and include copies of documents that support your position. Many people choose help because the paperwork, follow-up and deadlines take time and attention. Our free membership walks through the do-it-yourself route.

How long does the process take?

It depends on how many items you dispute, how the bureaus and creditors respond, and whether follow-up disputes are needed. Nobody can honestly promise a fixed timeline. What is fixed by law is the bureau investigation window: a bureau generally has 30 days to investigate a dispute, which can extend to 45 days in some circumstances. Several rounds may be needed when a response is incomplete.

How are service costs and agreements explained?

In writing, before you commit. Under the Credit Repair Organizations Act a credit repair company must give you a written contract that states the services, the total cost, and how long the work is expected to take. You have three days to cancel after signing. Plans range from $127 to $297 a month depending on household size, each with a one-time first work fee shown at signup. Credit monitoring is billed separately: $1 for a 7-day trial, then automatically $27.99 a month. Starting your signup online does not obligate you to pay until you review and accept your agreement.

Your consumer credit file rights under state and federal law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580.

Enroll online. Decide with your agreement in hand.

The signup portal takes you through your plan, your written agreement and your onboarding. Nothing is final until you have reviewed and signed it.

Start credit repair

Credit repair on this page is provided by Perksis LLC under its own written agreement with you. No result, score change or timeline is guaranteed, and accurate, timely negative information cannot be removed by anyone. CreditForward's free membership is separate and never requires this service. See the disclosures.

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