August 12, 2022

Credit Repair Services

Credit Repair Services

Credit Repair services involves helping you fix your credit by building new good credit and removing negative reports in your credit file. Most people refer to the term credit repair as the process of disputing errors on credit reports.
You can go through the dispute process for free with each of the credit bureaus on your own. This involves filing a formal dispute with the credit bureau(s) in question either online or by mail.
Many people don’t have the time to do their own credit repair or don’t understand how to make their case. So they look into hiring a  company to dispute errors for them. These companies can charge a fee for their legwork—more on how that works below. There are times when the extra help is valuable.
You’re entitled to a free credit report if a company takes “adverse action” against you, like denying your application for credit, insurance, or employment. You have to ask for your report within 60 days of receiving notice of the action.
In your formal dispute, you want to provide a detailed explanation of the error and include any supporting documentation you have along with it.