Credit repair often gets a bad rap and is riddled with myths that can discourage people from getting the help they need. Let me set the record straight:
👉Myth 1: Credit repair is illegal.
Fact: When done correctly, credit repair is perfectly legal. The Credit Repair Organization Act (CROA) requires credit repair companies to operate transparently and within the law to help improve your credit.
👉Myth 2: You can always do it yourself.
While it’s possible to dispute errors on your own, the process can be complicated, time-consuming, and frustrating. The right credit repair professionals have the experience, legal knowledge, and specialized tools to resolve disputes effectively and efficiently.
👉Myth 3: Credit repair is a scam. While there are some unscrupulous actors out there, legitimate credit repair companies are required to follow strict legal guidelines. They work to help fix errors on your credit report, fight for your rights, and help you take back control of your financial life.

Credit Repair: Dos and Don’ts
What you can do:
Credit reports are often riddled with errors, ranging from small typos to incorrectly reported late payments, that can hurt your score. Credit repair helps correct these inaccuracies, clean up outdated information, and dispute unverified negative items. Fixing these errors can significantly improve your credit score, opening the door to better financial opportunities.
Don’ts:
Credit repair cannot erase legitimate negative marks like late payments or defaults; they will remain until they naturally clear from your report. It is not a quick fix, but a step-by-step process that requires patience and diligence.