Are there legitimate companies that offer credit... - Building Credit History FAQ


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Credit Card Applications » Questions » FAQs » Building Credit History » Are there legitimate companies that offer credit cleanup, or credit score repair?

Are there legitimate companies that offer credit cleanup, or credit score repair?

Answered on | Updated on February 20th, 2013
The content is accurate at the time of publication and is subject to change.

Although there are plenty of credit repair companies out there that are scams, not all of them are. There are legitimate credit cleanup companies. However, there is nothing they do for you that you are not able to do for yourself. Here are some steps you can take to clean up your own credit history:

  • Get copies of your credit reports. You can get a free copy from each of the three major credit bureaus – Experian, Equifax and TransUnion – once a year, or you can order them for a small fee.
  • Look over all the information and make sure it is accurate. Up to 80% of credit reports contain misinformation, so make sure that all your personal information is correct, as well as all account information.
  • If you find mistakes, contact the credit bureau as well as the company that reported the information. They are required to follow up on all reports and either confirm the information, correct it, or remove it.
  • Make payments on time, do not max out your credit cards, utilize a mix of credit types, and do not close old accounts. All these things will help improve your credit score.
Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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