Your personal credit score is designed to be a critical metric for lenders, as it reflects your past experience with borrowing. Sadly, this reflection is often skewed. Around a third of Americans have unjustified scores. Mistakes cause a variety of problems, as the indicators are also used by insurance companies, recruiters, and landlords. Discover the best ways to set the record straight in our guide.

Credit restoration, commonly referred to as repair, allows you to fix a flawed assessment. The credit metric is based on the contents of reports generated by three nationwide agencies - Experian, Equifax, and TransUnion. Inconsistencies in these documents inevitably affect your score. They create the impression of financial instability. During restoration, you dispute the errors, and your status improves once the bureaus erase them.

What Are Credit Restoration Services?

Overview of Services

Repair is available in all states of the US, and it is based on The Fair Credit Reporting Act. This federal law compels every bureau to use verifiable data. While consumers have a right to open disputes on their own, many of them opt for professional restoration services. They help them secure the best conditions on loans, insurance, and rent. Higher scores also improve employability.

Repair is offered by dozens of companies in every state - both local and nationwide providers. Check Credit Saint reviews by Gerald Dunigan to see what the biggest names in this business offer. Professional restoration is a great time saver, as the process includes analytical and investigative work. Aside from finding the mistakes, you must collect evidence to back up your dispute claims.

At the same time, this is not a science. Reputable credit professionals will never promise to increase credit score to 800 in two months. Every case of repair is unique, and the outcome depends on your starting point, the number of disputable items, and the evidence.

Top providers offer a money-back policy that may cover the first 60 or 90 days of service. If no changes are made to your score, you will be eligible for a refund. Sky Blue Credit Repair stands out with its unconditional offer, as it will refund your payments for any reason.

How Much It Costs

The cost varies greatly. The vast majority of companies have subscription-based pricing, so clients are charged every month. In the beginning, after the firm completes the preliminary review, you may have to pay a first work fee or a setup fee. The Credit Repair Organizations Act prohibits advance payments. On average, fixing costs between $79.99 and $129.95 per billing period.

Some firms offer a fixed plan, such as a six-month repair. The main advantage is that the duration and costs are known beforehand, so it is easier to budget for the services. Finally, a few companies charge clients a fee for every deletion. For example, every negative item may cost $25 to remove. Such pricing is often combined with a first-work fee.

What the Services Include

Every provider has a unique package or set of packages for cases of different complexity. The bundles include basic dispute procedures and additional services that help clients monitor scores, manage their finances, protect financial data, and more. The bare essentials include data collection and analysis, preparation of evidence, and initiation of disputes.

Step 1. Gathering Reports

Every firm will begin by obtaining your reports from all three sources. You can also do it yourself by going to and filling in a basic form with personal information, including your Social Security number. As every version of your borrowing history is unique, the companies always consider the full picture.

Step 2. Analysis

Next, the team will pore over the records searching for any disputable inconsistencies. These may include accounts you do not recognize, wrong amounts, and events that never happened, such as bankruptcies, evictions, judgments, and late payments. Most of such derogatory marks stay on your records for seven years.

Negative Items have a different influence on your score, as every factor in calculation has a certain weight. For example, information describing the failure to pay defines 35% of FICO and 40% of VantageScore. This is the single most consequential component.

Step 3. Investigation

Your provider will communicate with the lenders that reported suspicious information to verify it and collect supporting evidence. The latter includes bank statements and other official documents from the institutions. This information will be sent to the bureaus with your dispute letters.

Step 4. Dispute

Based on the evidence, the company will compose customized letters to the bureau or bureaus involved. As every lender may communicate with one or more agencies, you may end up with mistakes on all of the reports. This will warrant three separate disputes.

No single template for the letter exists, and consumers who fix their scores by themselves may use this free example from the Consumer Financial Protection Bureau. The letter must list the accounts and items you want to be removed. Experts recommend sending it by certified mail with a return receipt requested. This way, you will know exactly when your letter is received, and when a response should be expected.

What Are Credit Restoration Services?

DIY Vs. Professional Restoration

In the DIY scenario, the consumer collects, analyzes, and disputes derogatory items on their own. This is a challenging process, as you need to navigate consumer credit laws and standards of formal communication. The quality of evidence determines if redisputes are necessary. If the bureau finds your proof insufficient, the delay may be substantial. On the upside, consumers who are knowledgeable about repair fix their scores free of charge.

At the same time, not every credit specialist is competent. As the industry is growing rapidly, choosing a trustworthy firm is increasingly difficult. To make the right choice, consider the background of the company, its legal status, and rating on the BBB site. You can see how many complaints have been registered over the past three years, and how many of them have been resolved. Check feedback on websites like Trustpilot and Consumer Affairs.

The Bottom Line

Professional restoration helps Americans fix unfair credit scores through deletion of mistakes on reports from Equifax, Experian, and TransUnion. This is a more efficient way than DIY repair, but you need to choose your provider carefully. A higher score will unlock lower interest rates and better conditions from banks, insurers, and landlords. You will also look more financially stable in the eyes of potential employers.