Guides to credit repair, debt and money services in the USA — what they cost, what the law entitles you to for free, and how to avoid the companies that break it.
Credit repair disputes what your report says. Debt settlement tries to reduce what you owe. They solve different problems, carry very different risks, and confusing the two is expensive. Here is how to tell which one your situation actually calls for.
Credit Repair vs. Debt Settlement: What’s the Difference? Read More »
Federal law gives you a short checklist for separating a legitimate credit repair company from a scam: no advance fees, a written contract stating cost and timeframe, a statement of your rights, and a three-day cancellation form. Here is how to use it.
How to Choose a Reputable Credit Repair Company Read More »
One dispute cycle runs 30 days, or 45 in some cases, plus five business days for the results. A full credit repair engagement usually takes three to six months. Here is what sets the clock, and what no company can speed up.
How Long Does Credit Repair Take? Read More »
Credit repair companies typically charge a $15–$200 setup fee plus $50–$150 a month, or $300–$1,500+ flat rate. Here is what that money buys, what the law says about when you can be charged, and how to do the same work yourself for free.
How Much Does Credit Repair Cost? Read More »
