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  • Writer's pictureMatt Schnitker

Credit Repair... In a Nutshell


This will be quick and simple… Credit Repair is amazing!

Companies (like Legacy Credits) reviews your credit report and addresses any negative items that they can with the credit bureaus (Equifax, Experian, and TransUnion) on your behalf.

A few items to take into consideration when choosing to start this process.

-Read reviews of the company on the Better Business Bureau website

-Search the Consumer Financial Protection Bureau’s complaint database

-Search additional review sites for helpful user reviews

The credit repair company will set a plan for disputing errors and negotiation with creditors to remove items (I.e. charge-offs, tax liens, bankruptcies, etc). NEXT, they will set a plan to dispute errors and negotiating with creditors to remove those items. This plan includes requests to validate information, letters to dispute erroneous negative marks, and cease-and-desist letters to debt collectors on your behalf.

Don’t want to deal with all of that mentioned above? Call me! I will help you find the right company.


How long does it take?

The credit bureau has 30 days after receiving your dispute to investigate and verify information. They will then reach out to the company that provided the information and ask them to investigate.

How much does it cost?

Charges range from company-to-company. But remember, they are worth it! Services typically include

-3-bureau credit monitoring

-Fraud protection and alerts

-Credit score monitoring and alerts

-Credit score simulators and credit coaching

-Housing counseling and mortgage lender referral

-ID theft insurance

-Financial coaching and education

Depending on the number of inquiries and discrepancies, you can look to pay $30-$100 a month and usually takes 3 months to complete the entire process.

Final note - here is my link to Legacy Credits. This will get you started, a representative will reach out to you to explain their process and start the journey to a MUCH BETTER CREDIT SCORE!!





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