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How Credit Repair Works

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In today's struggling economy, high-demand for jobs and low availability, people are incurring and facing more debt. This, in combination with a high cost of living - and those whom live above their means - collecting an unruly credit report can be much more undesirably easy to do than people might appreciate.

While there are indeed credible Credit Repair agencies, such as Sky Blue for example, or Lexington Law, it's worth considering that the majority if not all actions taken on behalf of you by these 'credit repair' agencies could have just as easily been completed by you given the right amount of research and understanding.

However, if you're just too busy of a person or professional and desire such a convenience - and are willing to shell out $70 or more per month - than such an option and service could be perfect for you.

On the other hand, understanding how Credit Repair agencies work is quite simple. Their typical system and process can be broken down into the following steps:

  • Investigating all of your credit 'hits' to see if there's any discrepancies, and bouncing them off of you to see if there's any flaws or otherwise potentially inaccurate or improper charge offs on your credit report.


  • Contacting debtors on your behalf to try to settle or get you into a more structured and practical (yet affordable) 'payment plan' in efforts to bring down the amount of red marks on your credit and increase your score as quickly as possible - though typically ranging in the months to reflect such changes or closing of collection accounts.

  • Ensure that all charge-off accounts on your credit history are legitimate and do in fact reflectively connect back to your name, address, and social security number.

  • Lastly, Credit Repair agencies use a 'trick' - more simply a backdoor that most consumers are unaware of - in which they contact the debt-collection agencies listed on your account and if the line is disconnected or the business has been verifiably shut down and not passed along to another collection agency, then put simply; you (or the 'Credit Repair Agency') can contact the three major credit reporting agencies and claim them to be invalid or otherwise inapplicable.


  • All in all, as you can see, it's not necessarily 'that' complicated of a process or system. Also, given the limited amount of routes or possible solutions to recovering or raising your credit score, you should be able to more easily appreciate the reality that there's no guarantee that it can be done - that is, without you of course paying off your debts!

    Most importantly, should you elect to seek out a Credit Repair Agency, ensure you do your due diligence in ensuring they are legitimate, such as via investing them through the Better Business Bureau (BBB) and reviewing their ratings and feedback. The last thing you want to do is share your social security number and other personal (including payment) information with a scammer or organization that will otherwise sell or not secure your personal information.






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