Fix my credit

What is bad credit and how do I fix it?
300 to 650

Any score lower than 650* is generally considered "bad"

*Based off of a FICO® 8 score

Bad credit could keep you from:

Approvals

Getting approved for a mortgage

Low Rates

Securing good rates on a car loan

Top credit cards

Getting a low-interest credit card

Loans

Borrowing money from a prime lender

Find out where you stand

See your FREE score or sign up online ››
What affects my credit score? How credit repair works? How much could you save?

What affects my credit score?

Payment history
Paying your bills on time is the biggest in your score. Even one mistake could cost over 100 points.
Credit utilization
This is how much debt you have based on your credit limit. You generally don't want to go over 30%.
Credit length
The longer your average age of credit, the better it is. You should not close old accounts for this reason.
Hard inquires
The fewer hard credit inquiries you have, the better. Soft inquiries will not affect your credit score.
Credit mix
It's best to have many different types of credit accounts. Think things like a car loan, credit cards, mortgage etc.

See what may be impacting the different areas of your credit

Review my credit

How credit repair works

Challenge
1

Challenge

We challenge your questionable negative items with all three bureaus, ensuring your credit reports are accurate and fair.

Dispute
2

Dispute

We ask your creditors to verify the negative items they're reporting. If they can't, they are required by law to stop reporting them.

Monitor
3

Monitor

We continue to watch your credit, addressing additional issues as they arise so that you can stay on track and reach your goals.

We have worked with 830,000 members on their credit since 2012

Sign up now or get your FREE online credit evaluation ››

From our members on Facebook

I love CreditRepair.com because they work hard for you. They have very professional people to answer all your questions. CreditRepair.com has helped me tremendously.

Tommy A.

North Carolina, 9/8/2020

CreditRepair.com has been a great tool and knowledge resource while cleaning my credit rating, I recommend everyone to CreditRepair.com. Thank you CreditRepair.com.

Bibian Z.

Connecticut, 9/15/2020

I thought I was going to have to cancel because of money issues due to COVID19, but because CreditRepair.com cares about its customers I didn't have to! Thank you so much for giving us a little ray of hope during these trying times!

Alyssa C.

Texas, 4/7/2020

How much could you save?

Use our simulator to see what savings could look like for your credit goals

Bad credit can save you
$0*
17
Goals Interest Rate Monthly Payment 30 Year Savings
Mortgage 8.36% $1,900 $0
Credit card 22.99% $58 $0
Auto loan 15.11% $697 $0
Personal loan 210% $1,810 $0
Apartment N/A Declined Declined
Employment N/A Declined Declined

*Assumptions: 30 year period with a $2,000 limit credit card every month; $250,000 mortgage with a 30 year term; four 48 month car loans; two $10,000 personal loans; and insurance every month.

*Based off of a FICO® 8 score

How much does it cost?

A service for all budgets

Aggressive

Aggressive

Recommended for those who have a lot of negative items on their credit report

$$$

Moderate

Moderate

Recommended for those who have a moderate amount of negative items

$$

Basic

Basic

Recommended for those who have a handful of negative items

$

Find the right service level

Get started now or sign up online ››