- Know where you stand. Before you begin do-it-yourself credit repair, you'll want to get copies of your full credit reports from all three bureaus (Experian, TransUnion, and Equifax). ...
- Dispute errors.
- Stop the bleeding.
- Pay all bills on time going forward.
- Pay down credit card balances.
- Don't apply for new credit.
Once you’ve fixed errors on your credit report, begun budgeting and paying off debts, be patient. It will take months or even a couple of years for your credit score to improve, but if you plan on buying a new home, it’s well worth it.
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You can use cheap credit repair services or affordable credit repair services
TIPS:
The monthly cost for credit repair services is generally in the same area.
One of the best and cheapest services is Sky Blue Credit Repair, which charges $59/month. Lexington Law, another leader in the credit repair space, charges $59.95/month. ( Here’s a side-by-side comparison of Sky Blue and Lexington Law )
Another trusted credit repair site, CreditRepair.com , charges $89.95/month,but they also provide more features than the standard plans from Sky Blue and Lexington Law.
- Learn more about Sky Blue Credit Repair here or call (888) 534-1510 to talk to a live person. (Reader tip: Call between 9-5 M-F EST, press 2 at menu.)
- Learn more about Lexington Law here or call (844) 259-3376 to talk to a live person.
- Learn more about CreditRepair.com here or call (844) 764-9863 to talk to a live person.
