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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”

Poor
Fair
Good
Very Good
Excellent

*Based off of a FICO® 8 score

Bad credit could keep you from:

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Approvals

Getting approved for a mortgage

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Low rates

Securing good rates on a car loan

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Top credit cards

Getting a low-interest credit card

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Loans

Borrowing money from a prime lender

Find out where you stand

What affects my credit score?

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Payment history
Paying your bills on time is the biggest in your score. Even one mistake could cost over 100 points.
Credit utilization
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

Our proven process could help you work to repair your credit

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Analyze

We work with you to review your credit reports for questionable negative items, including late payments, collections and more.

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Challenge and Dispute

We work with your creditors and the credit bureaus to verify your questionable negative items as accurate, fair and substantiated.

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Monitor

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

How long will it take?

Past member saw an average increase of

40 points

in just 6 months

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Over seventy percent of CreditRepair.com members saw a score increase after 6 months of using our services.

How many members improved their score?

Sign up now

Online Reviews from our members

★ ★ ★ ★ ★
4.1 | 1,579 Reviews

So far they are patient, kind, helpful & knowledgeable. As soon as I hired them right away they helped get Comcast negative marks that were incorrect off my FICO score & they are working on a few other things that really shouldn’t be there. It’s not that expensive only $119. month to repair & save thousands on future loan rates. So far I find it worth it.

Denis F. Florida | June 2022
★ ★ ★ ★ ★
4.3 | 1,795 Reviews

Thankful for CreditRepair.com helping me increase my credit score. I definitely appreciate their help in getting my questionable negative items removed.

Dimitri W. Kentucky | January 2022
★ ★ ★ ★ ★
4.7 | 574 Reviews

Great customer service. I really recommend CreditRepair.com to everybody. They helped me work to remove derogatory marks, hard inquiries, etc. Thanks CreditRepair.com!

Gino G. Illinois | October 2022

CreditRepair.com has had 955,000 customers sign up with their services since 2012

Sign up now

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

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Aggressive

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

 

$$$

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Moderate

Recommended for those who have a moderate amount of negative items

 

$$

 

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Basic

Recommended for those who have a handful of negative items

 

$

Find the right service level

Get started now