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What is credit repair?

**Answer:** Credit repair is the process of identifying and addressing errors, inaccuracies, or negative items on your credit report to improve your credit score. This can involve disputing wrong information and negotiating with creditors.

A good credit score is crucial for accessing financial products like loans, credit cards, and mortgages at favorable terms. It can also affect your ability to rent a home, get a job, and secure affordable insurance rates.

Yes, you can repair your credit on your own by obtaining your credit reports from the three major bureaus (Equifax, Experian, and TransUnion), identifying inaccuracies, and disputing them. However, credit repair companies like Ez Credit Repair Now can handle this process more efficiently and effectively, saving you time and effort.

The duration of the credit repair process varies depending on the complexity of your situation. It can take anywhere from a few months to a year or more to see significant improvements.

Some common errors that can be disputed include:

- Incorrect personal information.

- Accounts that do not belong to you.

- Duplicate accounts.

- Inaccurate account status (e.g., showing late payments that were made on time).

- Outdated or incorrect credit limit information.

If a negative item is legitimately inaccurate, incomplete, or unverifiable, it can be removed from your credit report. Legitimate negative information, such as late payments or charge-offs, typically stays on your report for up to seven years but may have less impact on your score over time.

Yes, paying off debts, particularly high-interest revolving debts like credit cards, can improve your credit score by reducing your credit utilization ratio and demonstrating responsible financial management.

The cost of credit repair services varies depending on the company and the extent of the services provided. At Ez Credit Repair Now, we offer several affordable plans tailored to meet your specific needs. Contact us for a detailed quote.

Yes, credit repair companies are regulated under the Credit Repair Organizations Act (CROA), which requires them to provide a written contract outlining your rights and services offered, along with a three-day cancellation period.

Getting started is easy! Simply visit our website, fill out our sign-up form, or contact us directly. We'll guide you through the initial steps and provide a free consultation to assess your credit repair needs.