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What causes bad marks on your credit report and how did those bad marks get there in the first place? What’s the difference between credit repair and credit improvement? These are just a few of the burning questions you might have when it comes to fixing your credit.

In addition, there are many fly-by-night companies that try to convince you they can fix your bad credit report overnight.

While a fast fix for a bad credit report truthfully won’t happen overnight, you can get help from reputable credit repair companies that can help improve your credit score. can help you clean up a bad credit report and improve your credit situation.  

How Works

When you sign up with, the first thing they’ll do is pull your credit reports from all three reporting agencies: Experian, TransUnion and Equifax.

This is important because different companies may use any of the three major bureaus to check your credit, and each of the bureaus may have different information about you.

After pulling your reports, organizes items affecting your credit and works with you to create a plan to clean up items you want to challenge or change.

They then work directly with the credit companies and create a plan to assist you in remedying a bad reporting situation. This means you won’t have to talk directly with creditors or deal with negotiations on your own.

Finally, they keep you updated about the progress they’ve made on your behalf and let you know if there’s anything they need from you to speed up the process.

There’s also an app so you can easily track what’s happening when you’re on the go. customers agree that their services have made a positive impact. The company website shows customers have seen an average credit score boost of 40 points after four months of using the service.

Can’t I Clean Up My Credit on My Own?

Yes, you can absolutely clean up your credit on your own. You have the right to pull credit reports from each of the three reporting agencies (you can request a free report from each agency per year at

You can call each individual company and work with them to create a plan that will resolve the blemish or negative report, however, this takes time, research, and effort.

The main reason many people choose to use a credit repair service instead of improving their credit on their own is due to time and lack of credit knowledge.

Since credit repair companies know the laws regarding credit reporting, they can identify illegal reporting practices quickly and call on those companies to remove or modify the incorrect or illegal report.

Credit Repair Myths

While will help you solve your credit dilemma, it’s also important for you to understand the basics of credit repair. We debunk many credit myths for you here:

Myth #1:  You can remove negative reports from your credit bureau.

Truth: Negative reports that are inaccurate, unfair or unverified may be able to be removed from your credit report depending on the individual situation. Accurate late payment history or charge off reports will take around seven years to fall off your report and accounts “paid as agreed” will remain on your credit report for about 10 years.

Myth #2: Opening new credit cards will increase my score.

Truth: Having more unused credit balances available can decrease your credit utilization ratio (the amount of debt you have available compared to how much of that credit you’re using).

A lower credit utilization ratio is a good thing, however, opening credit cards is a hard pull on your credit (meaning, your score can drop). If you have bad credit to begin with, you most likely will not even qualify for a credit card.

Additionally, when you open more than one new credit card at a time, it may trigger red flags from reporting agencies, as they will wonder why you’re needing so much credit.

Myth #3: A credit repair company can give me a fresh start with a new report.

Fact: No credit repair company can make your credit mistakes disappear or help you start over by creating a new credit report. Instead, what reputable credit repair services can do is partner with you to help clean up your report and get you on the path to creating a better credit situation for the future.

How to Avoid Credit Repair Scams

Unfortunately, because consumers have a hard time understanding the intricacies of the credit world, many credit repair scams have popped up. Here are some red flags you can look for when researching credit repair companies.

Outlandish Promises

If a company is promising to fix a bad credit report quickly or without any help whatsoever from you, that’s a promise to be wary of.

Fixing bad credit takes time and effort, and years of credit issues can’t be wiped out overnight.

A New Identity

Similarly, no credit repair agency can simply erase negative reports or create a new credit report for you that is clean and without blemish.

If negative marks on your credit reports are accurate, it’s going to take time and negotiation to remedy those marks. Even after a solution is agreed upon, you should expect that they won’t be erased immediately. But, it will be marked as resolved until the time limitations elapse (usually 7 to 10 years).

Why it’s Important to Have Good Credit

You probably already know that a bad credit report and low credit score can hinder you from being approved for a mortgage, auto loan or credit cards, but there are other less obvious reasons why credit is important.

Some companies may check a job applicant’s credit record, which means a bad credit score may reflect poorly on the candidate, and ultimately result in loss of the opportunity.

Also, insurance companies and cell phone companies use your credit report. For instance, you might be required to pay higher auto and homeowners insurance rates if you have bad credit.

If you’re struggling with bad credit and are considering using a credit repair company, check out

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