Need help improving your Credit Score?

Contact a leading expert and repair your credit for good.


National Credit Care

National Credit Care

Personalized Credit Repair
FREE Analysis & Review
All In-house, No Outsourcing

Continental Credit

Continental Credit

FREE Credit Consultation
Custom Tailored Program
Highly Trained Experts

Credit Repair

Personal Credit Repair
FREE Credit Analysis
Low Cost, Quality Service

Lexington Law

Lexington Law

Credit Restoration Services
Estate Planning & Protection
Corporate Law Support



Better Credit, Better Life.

Credit Store

Getting Started

Contact a Credit Repair company to start improving your financial health.

Credit Report

Remove Negative Marks

Pull your Credit Report, then remove Disputes and Negative marks.

Start Living

Now go out and buy that car or home you’ve been working so hard to get.


What is Credit Repair?

Credit Repair involves fixing your bad credit in any way and there isn’t necessarily one path to success. Specifically, Credit Repair is the process of disputing errors on credit reports. You can go through this dispute process for free with each of the credit bureaus (Experian, TransUnion, and Equifax) on your own. However, this process can be tedious and involves filing a formal dispute with the credit bureau(s) in question. That formal dispute should provide a detailed explanation of the error and you’ll want to include any supporting documentation you have along with it.

Many people don’t have the time or don’t understand how to make their case, so they look into hiring a credit repair company to dispute errors on their behalf. These companies charge a monthly fee (normally between $69-$119) for their legwork, but can help speed up the credit restoration process. Quick results are essential, especially when trying to buy a home or automobile.

What Do Credit Repair Companies Do?

The first thing a credit repair company will do is pull your credit reports from each of the three major credit bureaus (Experian, TransUnion, and Equifax) to pinpoint your negative marks. The reports are pulled from all three reporting agencies for accuracy. For example, there may be errors on one credit report that don’t appear on another. Each credit bureau has it’s own “data furnishers” (lenders, credit card companies, debt collectors, etc.) who report your credit information to them.

Once the credit errors have been identified, you’ll provide a credit repair company any documentation you might have or need. For example, if there’s a bill on your credit report that your husband or wife was actually responsible for under your divorce decree, you can use that document to prove it shouldn’t be impacting you.

Another benefit of working with a credit repair company is their utilization of the Fair Credit Reporting Act and knowing which documents are most effective. The Fair Credit Reporting Act (FCRA) is a U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. A good credit repair company will scrub questionable credit report items against other laws.

Why is Credit Repair so Important?

Having poor credit can effect your life more than you think. Anytime you apply for some sort credit (loan, mortgage, credit card, etc.) the creditor reviews your financial history. The best case scenario when you have bad credit is that you get approved for the loan or card, but pay extremely high interest rates. However, on the flipside your application could be denied which can be major burden in a financial emergency.

Having bad credit could also hinder your ability in getting a new job, especially in the financial sector. If an employer finds out you have a host of negative marks on your credit report, they are less likely to employ you in the financial responsibility of others. New landlords also look at your credit report when you apply to rent a new house or apartment. The more negative information they find, the less likely you will be chosen as a renter.

You can save thousands simply by improving your financial profile. Consult with a credit repair company (National Credit Care, Continental Credit, Lexington Law) for credit restoration services and learn how to fix your credit for the long haul. These companies sift through mountains of information to find the right plan for you, saving you time and money.