Melissa Collins

A company may be a credit repair scam if they guarantee results, ask you to lie on applications, demand up-front payments and don’t explain your legal rights.

See our free credit repair strategies that can help you improve your credit score, lower your debt or rebuild your credit profile.

Derogatory marks are negative items on a credit report that can hurt your credit score. Learn more about how you can remove them.

.

Learn what the CFPB Annual Report is and why it matters.