There is no reason to have bad credit, all it takes is a bit of time and a bit of work. The fastest solution will be to go with a credit repair company and let them do their magic. Lexington Law has been in business for 18 years and is one of the largest credit repair companies in the country. That scale has allowed them to develop a sophisticated set of tools, including a highly rated credit repair app.

What Is A Credit Repair Company?

Credit repair is the process of correcting inaccurate or dated information on your credit report. Credit repair companies cannot remove accurate and current information. You know your credit report is important, but the information that credit reporting companies use to create that report is just as important—and you have a right to see that data. Use our list of credit reporting companies to request and review each of your reports.

Your credit utilization rate measures how much revolving credit you’re using relative to your total credit limits. The U.S. Department of Justice lists credit counseling agencies for people looking for debt reduction assistance. Credit Saint offers straightforward packages, listed by level of aggressiveness to help customers easily choose the best credit repair solution for them. Catch up on CNBC Select’s in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date. While many companies advertise how many negative entries they’ve had deleted, there are no reliable statistics to prove the effectiveness of credit repair companies. creditrepair must pay a setup fee, and credit monitoring is not included.

Take Charge Of Your Credit Score

Financial Credit Journey provides services to the people of Los Angeles. It specializes in credit restoration and debt negotiation, helping individuals achieve their financial goals. The company aims to help people improve their credit rankings and establish their financial future.

Check Your Credit Report

This is the score that most lenders will approve you with a good interest rate. Once you have good credit, you’ll want to increase your credit score over time to get over a 720 credit score (or higher), as this will help qualify for the best approvals and interest rates. You do not need a Credit Services Organization to improve your credit, or to obtain a loan or extension of credit. Below are resources so that you can perform these services on your own.