About Us

RepairMyCredit.com provides necessary information about the steps to take in repairing your credit.  We can help navigate this often confusing process as well as give tips about the credit repair process.

The health of your personal finances depends largely on the information contained in your credit report and the credit score it generates.  Lenders and others considering doing business with you rely on your credit score to decide whether you are a good risk.  It is essential that your credit report be accurate, up-to-date, and not include any negative entries that are erroneous.  Any undeserved blemishes on your credit history can lead lenders to conclude your financial health is worse than it truly is, possibly leading to unnecessary and high fees.

For those in financial stress, there are a lot of terms being thrown around that may sound very similar, but really involve different issues.  Are you concerned with debt consolidation?  Debt settlement?  Debt counseling?  All of these things sound like elements of credit repair, but they are very different matters – mainly, about getting out of debt

  • Consolidation is about combining different loans together so you can manage your payments more easily
  • Debt settlement is about getting a lender to agree to a reduced pay-off
  • Counseling involves a professional who can work with you to restructure your budget and payments. 

Yes, dealing with any of these issues will help “repair” your credit, but that’s not what the term actually relates to.  “Credit repair” is specifically about fixing errors to your credit history, so that your credit score is not improperly deflated.

In general, your credit score is based on these values:

  1. Payment History.  An assessment of how you are at paying your bills on time.  Late payments hurt your credit score.
  2. Debt/Credit Limit Ratio.  How much debt you are carrying compared to how much credit is available to you.  It hurts your credit score if you are close to being maxed-out on your credit limits.
  3. Length of Credit History.  For how many years have you engaged in credit activity?  Are you a college student with your first credit card, or do you have a history of cards, loan, mortgages and other transactions?
  4. Types of Credit Accounts.  How many credit cards do you carry?  Are there mortgages, car loans, or other credit accounts on your record?
  5. Inquiries.  How often do you apply for credit?  Each time you do an inquiry is sent to the companies that maintain credit reports.  An excessive number of inquiries are viewed negatively.

As you can see, a lot of information is evaluated in determining your credit score.  The last thing you want is for negative and/or erroneous information about you showing up on your credit reports.  That’s why it is important to keep track of the reports maintained by the “big three” credit reporting agencies: TransUnion, Experian, and Equifax.  By law, you are entitled to a credit report from each of these companies once a year.  If you notice false entries in your credit report it is your right to challenge them and have them removed.

RepairMyCredit.com is a trustworthy resource to help you navigate the pathways and processes that can be intimidating when reparing your credit.  We offer advice and useful resources to get you on your way to reparing bed credit and getting out of debt.


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