Do credit repair companies actually work?

If your credit score is being dragged down by collections, late  payments, and other negative information, you might consider hiring a  credit repair service to fix it.

How Credit Repair Works

When you hire a credit repair service they will first sit down with you and look through your credit reports.

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Credit monitoring

The credit repair company will pull your credit reports to see what  issues you have and keep you apprised of any changes to these credit  reports.

Credit counseling

Some, but not all, credit repair companies offer their customers education on how credit and credit scores work.

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Defining your rights

As part of the contract review, the credit repair company has to outline your rights as a consumer.


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