How Does Credit Repair Work

Credit repair is the answer to the question, “How to fix my credit score“. It is the process of disputing and removing the negative items on your credit report. Millions of Americans are victims of incorrect negative items wrongfully lowering their credit score. Unfortunately, most don’t even know. Bad credit isn’t a life sentence. While your current score may be below average, that doesn’t mean it has to stay that way.

To remove negative items from your credit reports, credit bureaus require you to work through their complex online systems and mail a series of formal dispute letters. CreditStryke can identify and challenge questionable negative items on your behalf using our credit repair process to make the disputing process easier for you. Let’s take a Closer Look at the Truth About Credit Repair.

Some common credit repair tactics include correcting credit report errors and disputing other inaccurate unsubstantiated elements. Other credit repair strategies include removing auto repossessions from your credit reports, disputing to remove bankruptcy from your credit.

It’s possible for a person to repair their own credit alone, but the process is typically to complex, frustrating, and time-consuming for many consumers. Thankfully, a number of credit repair businesses exist that will dispute errors on your behalf with the credit reporting agencies.

Fixing errors on your credit report may only go so far if other factors are involved. Before we start to fix your credit you must be certain you’re in a position to make timely payments on all of your bills from here forward.

Yes. For most consumers, going through the credit repair process, even for only a few months, can have a major positive impact on that consumer’s credit scores. While it is a deliberate process, it is also highly effective – but not ever guaranteed.

Every credit repair journey is very different from others. Our average client is in our credit repair program for an average of 4 months. Some clients spend as long as 9 months. Generally, the Fair Credit Reporting Act requires that credit reporting agencies, collection agencies, and original creditors, investigate a consumer’s dispute within 30 days of receipt of the dispute. This time frame can be extended from the 30-day period to 45 days if the consumer provides additional information relevant to the investigation during the initial 30 days. Every credit repair journey is very different from the others. Generally, the Fair Credit Reporting Act requires that credit reporting agencies, collection agencies, and original creditors, investigate a consumer’s dispute within 30 days of receipt of the dispute. This time frame can be extended from the 30-day period to 45 days if the consumer provides additional information relevant to the investigation during the initial 30 days.