Faq
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Credit repair is the process of improving a person’s creditworthiness by removing errors or negative items from their credit report. This can be done by:
- Disputing inaccurate information with the credit bureaus or
- Negotiating with creditors to remove negative items.
- A soft inquiry does not impact your credit score and occurs when you check your own credit or a lender pre-approves you.
- A hard inquiry happens when you apply for credit and may lower your score slightly.
Paying down balances, making on-time payments, and disputing inaccurate information are some of the fastest ways to improve your credit.
Your credit score is primarily affected by payment history, credit utilization, length of credit history, types of credit accounts, and new credit inquiries.
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