Truth is, most people can fix their credit themselves without paying someone to help. There are credit repair services available, but the experts caution against using them because they tend to charge too much and some engage in unethical practices. Instead, use the tips in this article to repair your credit score, and enlist the assistance of a non-profit credit counseling agency if necessary.

In general, most negative information – such as late payments – will roll off your credit reports after 7 years. But there are some types of debts, like tax liens or a Chapter 7 bankruptcy, that may remain on your credit report for 10 years.

A 650 credit score is regarded as “fair.” With this score, you might get approved for credit, but the terms and interest rate won’t be ideal. In general, a good credit score falls in the 670 – 780 range, which is considered “good” to “very good.”

Credit scores are easy to damage but trickier to repair. Even when you repay your debts, it could take months for that information to report back to the credit bureaus. Missed payments can remain on your credit report for up to seven years. If you are eager to purchase a home with financing, you should start working on credit score improvement well in advance. The experts say repairing your credit score could take anywhere from 3 – 6 months to a few years, depending on how much your credit has been damaged.

No. The Credit Assessment is known as a soft pull and will not hurt your credit in any way.

$0.00. We don’t charge you anything for our Credit Assessment. We will show you your credit score and a short summary of the items in your report for free.

A negative item is anything that’s being reported to the credit bureaus that can negatively impact your score. Late payments, collections, charge-offs, and bankruptcies are just a few negative items you can see in your credit report. With the Credit Assessment, we will break these down for you and show you a preview of your negative items.

With the FREE Credit Assessment, you get to see your credit score and a quick summary of the items you have on your credit report, and we will personalize a recommendation for you.

Yes! We show you your credit score for free, along with a summarized breakdown of negative items you may have that are affecting your score.