If you don’t have a checking account, you can ask a teller at any Wells Fargo branch to cash the check for no fee. The refund checks will come as welcome relief, especially to eligible older adults struggling with debt. It’s difficult to last in the Credit Repair industry, unless you provide reliable results plus incredible customer service…and we do.

Do-it-yourself Credit Repair: The Essential Guide For 2025

You can generally set up autopay directly with the lender or service provider or through the bank account you use to pay bills. I have seen my clients credit go from poor and very poor to good and excellent in a matter of just a few months; and sometimes just a couple weeks. Skip the ineffective “dispute everything and see what sticks”  companies, and try MyCreditGroup’s all-inclusive credit repair program. For creditrepair seeking faster, more comprehensive credit repair with enhanced support and additional dispute capabilities.

Whether you have good or bad credit is based on your credit history. Find out what your credit history looks like by checking your credit report. Your credit report has information about whether you pay your bills on time, what loans and credit cards you have (and the amounts you owe), and whether you’ve filed for bankruptcy.

Credit report mistakes are much more common than you might think and its important to address them swiftly. Taking the time to repair your credit can raise your credit score, improve your likelihood of getting approved for the best credit cards and loans, and help you qualify for more favorable interest rates. Each package also features a different suite of financial tools. The basic plan, for instance, includes a credit score tracker. The highest tier plan adds credit reports and scores from all three reporting bureaus.

We also looked at the number of years a company has been in operation, guarantees, and cancellation policies. It’s also important to know that accurate, negative information cannot be removed. If a company says it can get every negative item removed from your credit report or that it uses tactics no one else knows about, that may be a red flag. All plans include TransUnion credit monitoring and some degree of identity theft protection, though both services are available free or cheaply elsewhere. As one of the best credit repair companies, Credit Glory has top ratings from users, with a TrustPilot review rating of 4.5 out of 5 stars.

Equifax offers six additional free credit reports every 12 months, through December 31, 2026. When you visit the site, you may see steps to view more frequently updated reports online. This gives you a greater ability to monitor changes in your credit. Because you can do on your own everything a credit repair company can do, it’s often better to take the time to review your credit reports yourself and submit any disputes.

No matter how many accounts you have on your credit reports or how much work we have to do, you will only be charged one low monthly fee of $49.99. Any company that makes overblown claims, like guaranteeing to fix your credit without first evaluating your case, is probably a scam. Ditto any service that offers to create a “new credit identity” for you or vows to remove negative, but accurate, information from your credit report.

Are There Any Cities In Texas Where You Cannot Do Credit Repair?

If they want upfront payment or ask you to lie to the credit bureaus, walk away. A credit builder loan lets you “borrow” money that’s held in a locked savings account. You make monthly payments, and once the loan is paid off, the money is released to you.

How Long Does The Credit Repair Process Take?

But remember, negative actions could hurt the credit of both users. Many credit repair professionals offer personalized credit score improvement plans. These plans are tailored to the client’s specific situation and provide guidance on actions they can take to boost their credit strength and achieve their financial goals.

Our credit experts can help you understand a variety of topics such as how to navigate your loans, credit cards, money management, and more. When you partner with The Phenix Group, a legally compliant Houston credit repair company, boosting your credit score is a simple, achievable goal. By first obtaining your credit reports from the three main reporting agencies, Equifax, Experian, and TransUnion, our credit-savvy analysts are able to identify any inaccuracies that are on your report. We are so passionate about improving lifestyles, that once we increase your credit score, our credit services will give you the tools needed to set up your financial future for success. The main thing credit repair companies do is analyze your credit reports from Equifax, Experian, and TransUnion.

For that, you need either the Prosperity plan, which requires a $119 monthly fee and $119 first work fee, or the Success Plus, which requires a $149 monthly fee and $149 first work fee. Unless you’re also planning to apply for a credit builder loan, the Prosperity plan should suffice. Our intelligent prioritization system focuses on the most impactful items first for faster outcomes, while account preservation ensures your positive credit history remains intact. Use the progress tracker dashboard to view dispute updates, score trends, and more at a glance.

Many reputable credit repair companies offer a free initial review. You can also reach out to nonprofit credit counseling agencies for guidance—no pressure, no fees, and no risk of falling for a scam. If you have multiple credit cards with high balances, consider a debt consolidation loan. You can use the loan to pay off your cards, then make one fixed monthly payment. If a friend or family member has a credit card with a long history and low balance, ask if they’ll add you as an authorized user. Their payment history and credit limit get added to your credit report, which can help boost your score—especially if your own credit file is thin.

To maximize your credit score increase you need to choose the best rent reporter for you. If they determine you’re a good candidate for credit repair, you pay on a monthly basis while they work to clean up your report. The credit Pros offer a 24/7 online client portal and a mobile app that lets you check your account status. Credit repair can take several months, depending on the complexity of your case and the number of inaccuracies. While some improvements might be seen within a few months, significant changes to your credit score can take longer. For example, you have the right to know what is in your credit report and if the information has been used against you.

However, be very careful as this requires the home to be used as collateral. Every consumer in the United States has the right to dispute credit report errors on their own without paying third-party companies. This can be done directly with the three major credit reporting agencies—Experian, Equifax, and TransUnion—through their online portals, by phone, or by mail.

Then we show you clear, personalized steps to move forward – whether it’s building new credit activity or cleaning up what’s already there. If you decide that you want to hire a company to leverage EVERY consumer protection law available and use EVERY tool in the credit repair toolbox… we’re here to help. If that’s all you’re looking for you can find hundreds of other credit repair companies to do just that.

We meticulously assess your credit profile and create a customized plan to tackle any existing issues and enhance your credit. Credit repair is when consumers work with companies that specialize in removing errors from credit reports with the intent to increase their credit score. Statements such as “fastest” or “most aggressive” describe our approach and past performance in lawful dispute escalation—not guaranteed results for every consumer. We do not claim to remove accurate, timely, and verifiable information. Outcomes and timelines vary by individual case, creditor, bureau response times, and the availability of supporting documentation. Any references to timeframes (e.g., “15–45 days”) describe typical dispute response windows or past results and are not a promise or guarantee of outcome.