✦Debt · 10 recordsFix your credit score

A good deal of credit repair is finding errors and fixing the few things you control. The rest is time, so this is honest about that: a short burst of work, then routines that keep it improving rather than a plan that pretends to be faster.

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Free on any plan. You will see this list again in the app, and nothing is created until you press install.

✦ Everything it creates

The whole plan, before you install it

Goal

A score that is not blocking anything Month 6

Errors corrected, utilisation down, then time.

Find and fix the errors Month 2

The only fast part of this.

  • Get the full report from each agencyDo firstDay 7
  • Dispute anything that is wrongDo firstWeek 4
  • Register to vote at the current addressWeek 6

Change what I control Month 6

Utilisation and payment timing. Everything else is waiting.

  • Set every payment to automatic so nothing is ever lateDo firstWeek 3
  • Get balances under a third of the available limitMonth 4

Routines

  • Check nothing has changed unexpectedlyweekly
✦ It comes with a note

Most of it is time

Corrections can show within a month or two. Everything else is measured in quarters and years, and this plan is dated over six months for that reason.\n\nEverything here is free to do yourself. A credit repair company fills in the same disputes with information only you have.

✦ Questions

Fix your credit score, answered.

Corrections to errors can show within a month or two; everything else is measured in quarters and years. This plan is dated over six months for that reason, and says plainly that most of the remaining work is waiting.
Paying on time, using a small share of available credit, and having accounts with some history. Those are the things the routines here protect, and almost everything else marketed as credit repair is a version of one of them.
No. Everything in this plan — getting the report, disputing errors, changing utilisation — is free to do yourself, and the disputes in particular are a form somebody else would fill in with information only you have.
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It takes one press. Everything it creates is tagged, so if it turns out not to suit you, it is easy to find and remove together.

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