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Empower Your Financial Future

Take control of your credit with proven, easy-to-use tools designed for real results.

 

 

Credit Repair Guide for Clients

Take Control of Your Credit. Rebuild Your Future.

Whether you’re rebuilding credit or starting fresh, this guide will help you understand the steps to fix, protect, and boost your credit score — the right way.

1: Check Your Credit Report

• Request free reports from Equifax, Experian, and TransUnion at annualcreditreport.com.
• Review for errors like:
  
• Late payments you didn’t make
• Accounts you don’t recognize
• Wrong personal info (address, name, etc.)
• 
  

 2: Dispute Inaccurate Information

• Write dispute letters to the credit bureaus.
• Include proof (like receipts, statements, or ID).
• Follow up after 30 days and keep copies of all communication.

 3: Pay Down Existing Debt

• Start with high-interest debts (like credit cards).
• Aim to keep credit utilization under 30%.
• Avoid closing old accounts — they help your credit age.

 4: Build Positive Credit History

• Make on-time payments on everything (even phone bills).
• Use secured credit cards or credit-builder loans.
• Become an authorized user on someone’s well-managed card (if available).