{"id":353487,"date":"2021-09-30T09:30:00","date_gmt":"2021-09-30T15:30:00","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=353487"},"modified":"2022-02-10T21:54:04","modified_gmt":"2022-02-11T04:54:04","slug":"is-credit-repair-worth-it","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/education\/is-credit-repair-worth-it\/","title":{"rendered":"Is credit repair worth it for you?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"200\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/couple-looking-over-bills-and-paperwork-hero-feature-80-600x200.jpg\" alt=\"\" class=\"wp-image-360029\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/couple-looking-over-bills-and-paperwork-hero-feature-80-600x200.jpg 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/couple-looking-over-bills-and-paperwork-hero-feature-80-300x100.jpg 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/couple-looking-over-bills-and-paperwork-hero-feature-80-768x256.jpg 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/couple-looking-over-bills-and-paperwork-hero-feature-80-450x150.jpg 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/couple-looking-over-bills-and-paperwork-hero-feature-80-900x300.jpg 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/couple-looking-over-bills-and-paperwork-hero-feature-80-1400x467.jpg 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/couple-looking-over-bills-and-paperwork-hero-feature-80.jpg 1501w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Disclosure regarding our editorial content standards<\/em><\/a>.<\/p>\n\n\n\n<p>If you\u2019ve ever struggled with your credit, you may have wondered if it\u2019s possible to get back on track. Managing credit cards, loans and other bills all at once can be difficult\u2014and that\u2019s not even counting the trouble of keeping up with your credit report and monitoring for fraud.&nbsp;<\/p>\n\n\n\n<p>One possible way to figure out the next step for your credit journey is to work with a <a href=\"https:\/\/www.creditrepair.com\/how-credit-repair-works\" target=\"_blank\" rel=\"noreferrer noopener\">credit repair company<\/a>. These companies can help you read your credit report, look for inaccurate information and file disputes with the credit bureaus that manage your credit information. Furthermore, a credit repair company can help you learn how to manage your credit better, potentially raising your score by teaching you the important factors that make up your credit score.<\/p>\n\n\n\n<p>While it\u2019s totally possible to improve your credit on your own, leaning on the expertise of a credit repair company can help ease the burden of trying to figure everything out yourself. Read on to learn more about whether credit repair might be a good fit for you.<\/p>\n\n\n\n<div class=\"responsive-youtube\"><iframe loading=\"lazy\" width=\"1280\" height=\"720\" src=\"https:\/\/www.youtube.com\/embed\/gtvtTVM0U30\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><\/iframe><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-credit-repair-help-you\">Can credit repair help you?<\/h2>\n\n\n\n<p>Credit repair is for anyone who wants to improve their credit with the help of professionals who already know the system.&nbsp;<\/p>\n\n\n\n<p>The process of credit repair has helped improve the credit of millions of people in diverse circumstances, regardless of age, race, gender, education or income. Working with a credit repair company offers the possibility to work on your credit without having to dedicate additional time or develop expertise on the credit system.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"364\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/is-credit-repair-worth-it-600x364.png\" alt=\"Is credit repair worth it?\" class=\"wp-image-360031\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/is-credit-repair-worth-it-600x364.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/is-credit-repair-worth-it-300x182.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/is-credit-repair-worth-it-768x466.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/is-credit-repair-worth-it-450x273.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/is-credit-repair-worth-it-900x546.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/is-credit-repair-worth-it-1400x849.png 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/is-credit-repair-worth-it.png 1501w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p>Here\u2019s how to know whether you would benefit from credit repair:<\/p>\n\n\n\n<ul><li><strong>You want to improve your credit score.<\/strong> Working with a professional credit repair company means that you\u2019ll have a thorough review of your credit report to find opportunities to hopefully improve your score, whether that means identifying inaccurate items that need to be addressed or learning what behaviors you can implement to help you maintain the health of your credit.<\/li><li><strong>You want to work with professionals. <\/strong>It\u2019s true: anyone can improve their credit on their own. That said, a professional company has years of experience working with the credit bureaus that they can use to assist you.<\/li><li><strong>You want support filing a dispute. <\/strong>A professional credit repair company will help gather evidence, draft correspondence and communicate with the credit bureaus on your behalf, saving you time and effort.<\/li><\/ul>\n\n\n\n<p>Ultimately, starting the process of credit repair&#8211; is beneficial for almost anyone who has a lower credit score than they\u2019d like. A credit repair company can inform you about the best next steps to take to improve your credit, which can set you in the right direction.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-benefits-of-credit-repair\">What are the benefits of credit repair?<\/h2>\n\n\n\n<p>Credit repair is not an overnight fix, but many people do <a href=\"https:\/\/www.creditrepair.com\/blog\/credit-score\/how-quickly-will-my-credit-score-update-after-an-error-is-removed\/\" target=\"_blank\" rel=\"noreferrer noopener\">see results sooner than you might think<\/a>.&nbsp;<\/p>\n\n\n\n<p>While some people recommend simply waiting for negative information to leave your credit report after <a rel=\"noreferrer noopener\" href=\"https:\/\/www.creditrepair.com\/blog\/credit-report\/how-long-negative-items-stay-on-credit-reports\/\" target=\"_blank\">seven years<\/a>, it\u2019s possible that inaccurate information could leave your report quicker with the proper intervention.&nbsp;<\/p>\n\n\n\n<p><strong>Note:<\/strong> If you choose to go with a credit repair agency, in most cases it can take anywhere from 3 to 6 months to work to repair your credit.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"377\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/what-are-the-benefits-of-credit-repair-600x377.png\" alt=\"What are the benefits of credit repair?\" class=\"wp-image-360032\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/what-are-the-benefits-of-credit-repair-600x377.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/what-are-the-benefits-of-credit-repair-300x188.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/what-are-the-benefits-of-credit-repair-768x482.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/what-are-the-benefits-of-credit-repair-450x282.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/what-are-the-benefits-of-credit-repair-900x565.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/what-are-the-benefits-of-credit-repair-1400x879.png 1400w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/what-are-the-benefits-of-credit-repair.png 1501w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<p>In addition to potentially helping you remove unfair, inaccurate and unsubstantiated negative items, a credit repair company can also help you manage your credit more effectively. Learning how to manage many forms of credit responsibly will have both short- and long-term benefits for your credit. Thus, a credit repair company can provide you with immediate support in challenging the credit bureaus as well as long-term skills that will help improve your credit for years to come.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-work-with-a-credit-repair-company\">Why work with a credit repair company?<\/h2>\n\n\n\n<p>Is credit repair worth it for you? Answering this question requires you to consider your current credit situation and goals. Also, you\u2019ll want to assess whether you\u2019d prefer to entrust the process to professionals or learn how to manage a credit dispute on your own.<\/p>\n\n\n\n<table style=\"width: 100%; margin-right: 20px; margin-bottom: 20px;\">\n        <thead style=\"background: #007cba; text-align: center;\">\n            <tr>\n                <th colspan=\"3\" style=\"color: #fff;width: 330px;padding: 20px; font-weight: bold; border: 1px solid #007cba69; border-bottom: 1px solid white; text-align: center;\">Should you work with a credit repair company?<\/th>\n            <\/tr>\n            <tr>\n                <th style=\"color: #fff;padding: 20px;width: 195px; font-weight: bold; border: 1px solid #007cba69; border-right: 1px solid white;\">  <\/th>\n                <th style=\"color: #fff;width: 330px;padding: 20px; font-weight: bold; border: 1px solid #007cba69; text-align: center;\">Credit repair company<\/th>\n              <th style=\"color: #fff;width: 330px;padding: 20px; font-weight: bold; border: 1px solid #007cba69; text-align: center;\">On your own<\/th> \n            <\/tr>\n        <\/thead>\n        <tbody>\n            <tr>\n                <td style=\"padding: 20px; border: 1px solid #007cba69; font-weight: bold; text-align: center;\">Time commitment<\/td>\n                <td style=\"padding: 20px; border: 1px solid #007cba69; text-align: center;\">Will manage the dispute process for you, reducing your time commitment substantially<\/td>\n              <td style=\"padding: 20px; border: 1px solid #007cba69; text-align: center;\">Often takes hours for each dispute, including gathering evidence and sending certified letters<\/td>\n            <\/tr>\n            <\/tr>\n            <tr>\n                <td style=\"padding: 20px; border: 1px solid #007cba69; font-weight: bold; text-align: center;\">Required knowledge<\/td>\n                <td style=\"padding: 20px; border: 1px solid #007cba69; text-align: center;\">Years of experience working with credit bureaus, including knowledge of laws and processes<\/td>\n              <td style=\"padding: 20px; border: 1px solid #007cba69; text-align: center;\">Must learn how to file a dispute and communicate with creditors. May need understanding of FCRA, FDCPA and FCBA\u2014laws pertaining to credit<\/td>\n            <\/tr>\n            <tr>\n                <td style=\"padding: 20px; border: 1px solid #007cba69; font-weight: bold; text-align: center;\">Cost<\/td>\n                <td style=\"padding: 20px; border: 1px solid #007cba69; text-align: center;\">Generally involves a reasonable monthly fee<\/td>\n              <td style=\"padding: 20px; border: 1px solid #007cba69; text-align: center;\">Free, although you may have to buy additional copies of your credit report<\/td>\n            <\/tr>\n            <tr>\n            <\/tr>                  \n        <\/tbody>\n    <\/table>\n\n\n\n<p>Overall, a credit repair company is often the right choice for many people, especially those who are unfamiliar with the credit system or the credit bureaus. The process of credit repair may be worth it for you if you\u2019re looking to improve your credit and you need assistance reviewing your credit report for inaccurate information.&nbsp;<\/p>\n\n\n\n<p>If you are looking to improve your credit and need the help of experienced professionals, <a rel=\"noreferrer noopener\" href=\"https:\/\/www.creditrepair.com\/fix-my-credit\" target=\"_blank\">consider working with CreditRepair.com<\/a>, a company with a history of helping customers file successful disputes and improve their credit.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-media-text alignwide is-stacked-on-mobile\" style=\"grid-template-columns:15% auto\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"75\" height=\"75\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2021\/09\/Elizabeth-Whiting.Headshot3_75x75.png\" alt=\"\" class=\"wp-image-360020 size-full\"\/><\/figure><div class=\"wp-block-media-text__content\">\n<p><strong>Reviewed by Elizabeth Whiting, Credit Consultant and Associate Trainer at CreditRepair.com. <\/strong><\/p>\n<\/div><\/div>\n\n\n\n<p>Elizabeth Whiting started with CreditRepair.com in the summer of 2018 as an inbound member services advisor. Recognized several times for her outstanding performance, she quickly advanced within the company. Her genuine desire to help people blossomed into joining the learning and development department as an associate trainer in the late spring of 2020. As an advocate for other&#8217;s success, Elizabeth promotes self-development with her internal peers though education, encouragement and support. Utilizing her credit expertise, she has empowered numerous consumers to continue to work towards resolving difficult credit situations and strive to achieve a lifestyle of greater opportunity.<\/p>\n\n\n\n<p><a href=\"https:\/\/creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">Note: <\/a> The information provided on CreditRepair.com does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019ve ever struggled with your credit, you may have wondered if it\u2019s possible to get back on track. Managing credit cards, loans and other bills all at once can be difficult.<\/p>\n","protected":false},"author":53,"featured_media":360030,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3133],"tags":[89,165,39,67,180],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is credit repair worth it for you? | CreditRepair.com<\/title>\n<meta name=\"description\" content=\"If your credit score is a struggle, you may have considered working with a credit repair company. 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