Credit Education

Understanding how credit works is the key that will unlock a better credit score.

We have all of the resources and knowledge you need to learn everything you need to know about credit, as well as improve your credit score.

In fact, we helped clients remove 9,871 negative items from their credit reports last year!

Many consumers don’t fully comprehend how credit reporting and credit scores, and many of the articles and advice they read can be confusing or even incorrect. But by learning the facts about how credit works, you’ll finally be empowered to repair your credit – saving a lot of money in the process.

Learn everything you need to know about credit! Many people have questions about credit, like “What is my score?”, “What’s considered a good or bad score?”, and “How can I improve my credit score?”

For that reason, Best Credit Repair has all of the accurate information you need to understand credit and start improving your score. Browse through this section for a variety of credit topics and learn what’s needed to improve your score.  If you have questions please contact us today to set up a risk free credit report review.

Your Rights as a Consumer Did you know that there are consumer protection statues and laws about credit reporting that guarantee certain rights for consumers? It’s true – and these laws are also the backbone of how will help boost your score.

Some of these laws, statutes, and regulations include:

FCRA (Fair Credit Repair Act) Protects consumers against credit bureaus that don’t properly maintain their records.

FCBA (Fair Credit Billing Act) Ensures fair and equitable treatment of consumers by creditors and others.

FDCPA (Fair Debt Collection Practices Act) Important regulations on what 3rd party debt collectors can and can’t do when pursuing a debt.

The Fair and Accurate Credit Transaction Act Helps protect your identity by setting standards for how your financial data is stored and handled.

In fact, Best Credit Repair is so effective at holding credit reporting agencies accountable to these laws, that our average client sees 5.9 negative items removed within just three months, or about 25% of all of the negative reported items on their credit report.

Of course, there credit score rises accordingly!

Here are some important topics about credit that will put you on the road to a better credit score with the help of

A good credit score is more valuable than ever! These days, it’s not only credit card interest rates, mortgage payments, and auto loans that are impacted by credit score. Renting a house or apartment, student loan rates, utilities, and even getting a new job are affected by your credit score!

When it comes to a better credit score, we deliver! If you want real help for your lagging credit score, the facts don’t lie: in 2017, our team collectively got 9,871 negative items off of client credit reports!

What does it cost to fix my credit? By improving your credit score, you’ll save significant money on credit card payments, auto loans, mortgages, student loans, and even renting and utilities. Therefore, fixing your credit score is a smart investment that usually pays for itself many times over.

Most people don’t know that online credit repair companies or “firms with lawyers” only work on a fraction of your accounts each month.  This can cost you an additional 6-12 months of time.  At Best Credit Repair we pride ourselves on getting you results fast.  On average, our clients are only with us 4.7 months.  Our monthly programs range from $129.50 to $199 per person.

Understanding how credit repair works. The laws focusing on protecting consumers from creditors – like the ones we documented above – open the door for viable credit repair. At Best Credit Repair, we understand how to navigate those laws and guidelines, standing up for our clients so that your credit report is purged of negative items, errors, outdated reporting, and duplicate data as best possible. Your new and improved credit score will reflect it!

Get to know the Best Credit Repair process.

Register as a client

After an easy and informative risk free consultation to make sure we can accept you as a client, we’ll analyze each of your credit reports from TransUnion, Experian and Equifax – the three major bureaus. Our credit experts will identify the items that are reporting negative on your reports, dragging down your score, as well as outdated, duplicate, or erroneous information that’s being reported.

Utilize credit laws to dispute these items. Our team of experiences credit repair professionals will prepare and send letters to each credit bureau, legally disputing negative and incorrect information. By doing this correctly, we hold them accountable per federal credit reporting laws and statutes.

You’ll receive constant communication and updates. At any time, you’ll be able to login to the easy-to-use client portal on our website and check the status of your file. But we also love reaching out and talking to our clients, sharing the news as we get responses from the credit bureaus, see your negative items removed, and watch your score go up accordingly! So, an experienced, professional, and caring credit specialist will be assigned just to you.

Ongoing support We’ll work as a team with you to track the responses from the credit bureaus, resubmitting requests when necessary in order to fully hold them accountable to federal credit reporting laws. Best Credit Repair goes the extra mile to ensure that each and every client walks away happy – and with a vastly improved new credit score!