Step 1: Evaluate Your Credit
The first step in repairing and rebuilding your credit is to understand exactly where you stand. Getting your credit report and score is easy. There are only 3 primary institutions that handle credit scores—Equifax, Experian, and Transunion. Contact at least one of them or find a top credit repair company to do it for you.
Step 2: Map Out Your Options
If your credit score is low, or even if there are irregularities such as incorrect debts or evidence of fraud, you can dispute your charges. When you sign up for a credit repair service online, it will connect you to expert negotiators and counselors who can intervene directly with credit agencies on your behalf. A good credit repair agency can also help you craft a plan to pay your debts back by setting a monthly schedule and avoiding a collection agency.
Step 3: Take Positive Action
Ultimately, deciding whether you’re going to do the legwork by yourself or through a company is your final step. From do-it-yourself credit fixing guides to reliable online credit repair services, there are real solutions that work. Raising your credit score on your own is always an option, but it can be time consuming and frustrating to deal directly with credit agencies and creditors. Fortunately, there are hundreds of online credit repair companies that can help you navigate fixing your credit and getting your finances back on track.
Now that you have a good idea of how to begin repairing your credit score, check out more of the best credit restoration companies for comparison.