Credit repair specialist matching
A vetted pro in your corner, without the sales pitch
If your reports are complicated or you would rather not handle disputes alone, we will connect you with a reputable, licensed credit repair specialist built around your goal.
What a good specialist does
Real work, clearly explained
Reviews all three reports
Finds errors, duplicate accounts and outdated items across Equifax, Experian and TransUnion.
Disputes inaccuracies
Prepares documented disputes and tracks the investigation deadlines for you.
Handles creditors
Requests debt validation and works with collectors on goodwill and pay-for-delete requests.
Coaches your habits
Helps you lower utilization and build positive history so progress lasts.
Know your rights
Your protections under federal law
The Credit Repair Organizations Act protects you when you hire anyone to improve your credit. Every specialist we work with is expected to follow it.
No payment before the work is done
A credit repair company cannot charge you until it has fully performed the services it promised.
A written contract
You are entitled to a written contract that spells out the services, the total cost and how long it will take.
Three business days to cancel
You can cancel the contract within three business days of signing, without penalty.
No false promises
No one may tell you to misrepresent your identity or dispute accurate information, or promise to remove accurate, timely items.
You also have the right to dispute errors with the credit bureaus yourself, for free. Learn more at consumer.ftc.gov.
Built around your goal
Planning to buy a home? Start here.
Most of the people we help are working toward a mortgage. Specialists in our network understand what loan programs look for, so the plan they build is aimed at the score and history your lender will actually check.
- A plan aimed at the program you want: FHA, conventional, VA or USDA
- Utilization strategies timed around your statement dates
- Clear expectations on how long it should take
Credit repair questions
Before you hire anyone
How much does a credit repair specialist cost?
Pricing varies by company and by how much work your reports need. A reputable specialist will explain their pricing up front and put it in a written contract. Under federal law, they cannot charge you before the promised work is done.
Can a specialist remove accurate negative items?
No. Accurate, timely information can stay on your report for up to seven years, and some bankruptcies for ten. A specialist can dispute errors, request validation and help you build positive history.
What are the warning signs of a credit repair scam?
Be careful with anyone who asks for payment before doing any work, promises a specific score, tells you not to contact the bureaus yourself, or suggests creating a new credit identity.
Ready to see what is holding your credit back?
Start with a free, no-pressure review from a vetted credit specialist. Requesting one takes about two minutes.
Free for you. No obligation. No pressure.