Having a good credit score is essential for many aspects of life, from getting approved for a loan to renting an apartment. But if your credit history is less than stellar, you may be wondering how to clear it up. The good news is that you can do it yourself, and it won't cost you a dime. If you're feeling overwhelmed by your credit situation, you may want to consider working with a nonprofit credit counselor.
They can help you get back on track for a reasonable price. But if you just want to improve your credit score and don't plan to apply for a loan or credit card soon, then paying for a high-end service may be unnecessary. The credit repair industry is regulated by several federal laws designed to protect consumers. When choosing a credit repair company, make sure they comply with the Credit Repair Organizations Act (CROA).
This act sets clear guidelines that legitimate credit repair agencies must follow. If you decide to repair your credit on your own, the cost will range from nominal shipping fees to free. Sky Blue Credit Repair offers one of the most flexible subscriptions on the market and a 90-day money-back guarantee. You can also hire an attorney licensed in your state to file disputes on your behalf.
Credit repair companies can be useful if you have the money and don't have time to contest the items yourself. They will track the progress of your disputes and keep you informed about the status of each item. Reputable companies will also publish their prices and services clearly so that consumers can select the right package for their needs.