Who it is for
- You want a straight answer before you pay anyone to “fix” your credit.
- You have a specific mark on your report and want to know if it is fatal or explainable.
- You are about to finance a car or open a card, and you are also about to buy a house.
How it usually works
- Get your reports free at AnnualCreditReport.com and read them.
- Dispute real errors with the bureaus. Do not pay a company to dispute accurate history.
- Bring the report when we talk. We will tell you what a lender is likely to do with it, without pulling credit on this website.
Read this before you get attached
- Opening new accounts or co-signing during a mortgage can change the approval.
- Quick-fix credit schemes can make a file worse.
- The old website had a page called credit improvement. This page is education unless you decide to offer something more and say so plainly.
Questions worth asking
- Which items on my report will a lender actually care about?
- Should I pay off a collection, or ask you before I do?
- What should I avoid doing for the next 60 days?
