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SUCCESS


How Grieving a Dream’s Loss Built Hope for a New Life

April 2, 2025 Ogghy Filed Under: SUCCESS, Tiny Buddha

“Our painful experiences aren’t a liability—they’re a gift. They give us perspective and meaning, an opportunity to find our unique purpose and our strength.” –Dr. Edith Eger, The Choice: Embrace the Possible

The loss of an unrealized dream sent me spiraling down, down into the darkness. A darkness filled with a despair and hopelessness that I had not known before.

It was safer and more comfortable for me to attribute all my grief to losing a loving mother-in-law suddenly in the beginning of 2023. Her abrupt absence not only in my life but also in my husband’s and daughter’s lives was incredibly hard.

Though the loss opened the portal of grief, there was more I hid. When I was still in a tender place, intangible losses and a health scare came.

The loss that completely broke my heart was when my husband and I made the joint decision to end our dream of trying to have a second child. A shared dream since early on in our relationship and a dream of mine since long before.

Neither of us could have anticipated my unexplained infertility diagnosis and the four-year-long, beautiful, broken, and growth-filled road to parenthood. Throughout the entire journey, I still held onto hope that we would one day have two children.

The visceral, raw grief that came after we made the decision shocked me. When we had first honestly discussed this idea, I felt excited to build our life as a family of three. I deeply knew our family was complete.

But once we made the decision, grief I did not want or know how to feel consumed me. Grief for all that had been lost. For all that wouldn’t come into being in the future. Invisible to the outside world.

At first, my negative, self-critical talk took over, giving me a hard time for what I was going through. Full of self-judgment, regret, anger, and shame. Overcome with grief, I had forgotten I didn’t have to believe that voice and could be kinder to myself.

Mornings were the toughest. Each day, I would wake up with the weight of unshed tears under my eyes. Though I had slept well, my whole body was heavy and weary. My mind felt foggy. I’d forget small things, which wasn’t like me. Seemingly simple tasks took so much energy.

After dropping off my daughter at preschool, I would sit in my living room alone. I had no motivation to do anything. If I didn’t have a work meeting to prepare for or immediate deliverables to complete, I’d distract myself on my phone, numbing. This unhealthy morning cycle would continue for a while.

Once I started working, I would get in a rhythm and focus on the projects in front of me, which I did enjoy.

My body and psyche knew what had happened was significant. It would take time for my rational mind to catch up. I would need to allow myself to have my full experience of grief.

An Expanded View of Grief

Developing an expanded view of grief and processing my experience with a grief therapist began to help.

One of the first concepts I learned is that there are different types of grief. Through Atlas of the Heart, a book by research professor, author, and podcaster Brené Brown, I understood I was dealing with both acute and disenfranchised grief.

Acute grief is the intense grief that occurs during the initial period after a loss. I was not familiar with disenfranchised grief.

Brown writes, “Disenfranchised grief is a less-studied form of grief: grief that ‘is not openly acknowledged or publicly supported through mourning practices or rituals because the experience is not valued or counted [by others] as a loss.’ The grief can also be invisible or hard to see by others.”

My grief not only felt invisible to the outside, but also, I hadn’t valued the end of an unfulfilled dream as a loss at first.

A second concept was to focus on integrating grief into my life. My therapist shared that it’s not about moving on after experiencing a loss; it’s about moving forward, integrating our losses with how we live our lives.

A third concept came from psychologist and Holocaust survivor Dr. Edith Eger’s book The Choice: Embrace the Possible. Though she had been through unimaginable suffering, she gave a message of hope and healing.

She shared, “When we grieve, it’s not just over what happened—we grieve for what didn’t happen… You can’t change what happened; you can’t change what you did or what was done to you. But you can choose how you live now.” We could choose freedom, joy, and love over suffering.

What Helped Me Cope and Rebuild

I began to shift my experience from resistance to instead supporting myself during this period of grief. I started to accept that simply getting through my day was enough. These approaches can be beneficial to anyone experiencing grief, especially if it feels invisible.

1. Support myself and be supported

Once I remembered that I could support myself, my entire grief experience became more manageable. I already had tools to be kind and compassionate to myself. It was a matter of intentionally using them.

I began a practice of noticing and bringing in. Noticing my self-critical voice and, instead of getting caught up in it, bringing in self-compassion and kindness. I would say statements to myself like: It’s okay to feel this way. This is really hard. May I be kind to myself. Sometimes, I visualized wrapping myself in love.

I began to turn toward myself with kindness and love. To be there for myself. To process my experience through writing.

I opened up in close relationships and with my therapist, where I did feel listened to and accepted to share my struggles.

2. Feel my difficult feelings and bring in the light

One day, when I was meditating, I noticed what was happening in my body. I opened to the intense sensations. Before I knew it, I’d gone through a shorter version of Tara Brach’s RAIN practice. This had been a fundamental practice of mine when dealing with infertility, but I likely hadn’t done the full practice in years. The practice remembered me.

This framework means:

  • Recognize what is happening.
  • Allow the experience to be there just as it is.
  • Investigate with interest and care.
  • Nurture with self-compassion.

Once the exercise came back to my consciousness, I spent time each morning feeling my painful feelings.

One morning, at the end of the RAIN practice, I intuitively brought in light and love. Another time, I started saying a lovingkindness meditation to myself. I began to incorporate bringing in aspects of positivity after feeling my difficult feelings.

3. Go on awe walks

My grief was the heaviest in the darkness of the winter in Colorado. Toward the beginning of spring, still overcome with grief, I started going on awe walks. Awe walks, a term from Dacher Keltner, are walks where you shift your attention outward. Your task is to encounter something that amazes and transcends. Every day, I looked for new signs of spring at the trail near my house.

I would have missed most of the early signs if I hadn’t been seeking them: flower buds, tiny green leaves forming on branches, the first yellow wildflower blooms that peeked out from behind tangled branches. Then one day, I looked up and saw a canopy of green covering the trees overlooking the trail. Spring had fully arrived.

I discovered that growth starts small; it’s barely noticeable at first. Pay attention to changes happening, to what’s building slowly. It’s the foundation for what wants to come forth. And the bigger message is that winter comes first; only after going through winter is spring possible.

4. Embrace fallow time

Toward the end of the spring, I was getting tired of the heaviness of continued grief. I journaled frantically that I wanted a project. Something new to give my attention to. I longed to experience the energy of summer.

Grief still had more to teach me, though. The next day, my deepest wisdom instead shared with me to embrace “fallow time.” The term is from farming. Allowing the land to lie fallow is a technique where nothing is planted for a period of time. The goal is for the land to rest and regenerate.

Fallow time was asking me to continue to honor the nothingness where dreams once were. To rest in the space before building the next beginning.

I opened to allowing the vastness of where there once was something linger without trying to rush to the next thing.

I discovered that this clearing is where the potential for what’s next would emerge.

5. Reconnect with hope

I had attached so much hope to the outcome of having two children. While hope for a realistic outcome is important and kept me going, I found out its limitations when I let go of the dream.

But hope is so much vaster than that.

One day, I unexpectedly felt the energy of expansive hope. Called transcendent hope, it is broad hopefulness that something good can happen. This form of hope reignited a light deep within me.

Hope to build the beautiful life in front of me that I had once longed for, honoring the dreams, losses and imperfectness.

6. Rebuild possibilities and dream again

Grieving and dreaming felt at odds with each other initially. It turns out, grief would create an opening and space for what wanted to emerge next. Grief was my winter season, my fallow time. It was like planting flower seeds in the fall that won’t bloom until the next spring.

I would first need to accept the past and close this chapter of my life. Then, I could connect with the potential of dreaming again.

The dreams I most wanted to nurture in 2023 were coaching and writing. In the first half of the year, the dreams moved ever so slowly or seemingly not at all.

During this time, I was taking the Playing Big Facilitator’s Training coaching program but had no energy or motivation to start building coaching as I intended.

I also kept trying to write a personal essay about aspects of my infertility journey but felt blocked. I started but kept getting stuck. So instead, I journaled, with writing prompts such as a few things I don’t know how to write about.

Something profoundly shifted within me in September 2023. I became drawn to rebuilding what could be possible in my life.

The personal essay I had attempted to write for months flowed. A story about choosing to focus on personal growth and well-being amid the challenges of burnout and infertility. The final piece would later be published in Tiny Buddha in 2024: How I Found the Good in the Difficult.

As Dr. Egar shared in her book, it was about an experience where I had choice.

September was also the month I started a positive psychology coaching certification program. One reason I selected this coaching program is because positive psychology and mindfulness had been so impactful to me while facing infertility and burnout. Simultaneously, I began offering career, life, and well-being coaching.

I had to go all the way through the intensity of the grief to understand Dr. Egar’s wisdom: “Our painful experiences aren’t a liability—they’re a gift. They give us perspective and meaning, an opportunity to find our unique purpose and our strength.”

I received so many gifts when facing infertility and burnout. Transforming my relationship with myself and my life was the most wondrous. This painful time period was the gateway, on so many levels, for me to connect with a greater sense of meaning and overall well-being. To shift to work that felt more fulfilling. To rediscover my creative self-expression, especially writing, which surprisingly impacted my personal life and work. To uncover a dream to coach others in creating change that matters to them.

My experience in a grief cocoon profoundly changed me. On the other side, I have felt more at home in myself. More at peace with my past challenges. I have sensed wholeness. With a deeper appreciation of integrating it all—the grief, pain, gifts, gratitude, and joy. I am choosing to move forward with renewed hope for fully living my life and honoring my dreams.

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About Rachael Gaibel

Rachael Gaibel works as a career, life, and well-being coach who helps others get unstuck and find possibilities so they can create change that matters to them in their life and work. She also works as a leadership development content writer, strategist, and consultant. Outside of work, she is a writer, mother, wife, nature lover, and aspiring creative. Visit her website here. Check out her newsletter here.

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How to Use DeepL for AI-Powered Translations

April 2, 2025 Ogghy Filed Under: CNET How To, SUCCESS

This tool aims to provide context-aware translations — including an interactive AI companion that helps you understand cultural references and idioms.

Klarna’s AI Shopping Assistant Helped Me Save Hundreds of Dollars. How to Use It

April 2, 2025 Ogghy Filed Under: CNET How To, SUCCESS

Who doesn’t want (almost) guilt-free shopping? Here’s a technique that could score you some savings online.

Tariffs Explained: Impacts for You as Major New Trump Tariffs Arrive Today

April 2, 2025 Ogghy Filed Under: CNET How To, SUCCESS

President Donald Trump has dubbed April 2, the day many of his major tariffs will take effect, “Liberation Day.” Still, the reality of the situation will be a lot less grandiose for everyday people.

5 Best Credit Repair Companies of April 2025

April 2, 2025 Ogghy Filed Under: Money.com, SUCCESS


Our editorial team was among the first to thoroughly research, evaluate and pick the best credit repair companies in the market. Since 2016, we’ve spent thousands of hours investigating the industry and vetting around two dozen national providers.

We’ve compared credit repair companies on 15+ data points, including fees, plans, customer feedback and industry reputation. Based on this extensive research, we picked the top credit repair companies in the market, including Credit Saint, Sky Blue Credit and The Credit Pros.

Money’s Main Takeaways

  • Credit repair involves reviewing your credit report for inaccuracies and disputing them with the reporting agencies.
  • You can repair your credit history yourself, but hiring a credit repair service can be helpful if your report has multiple mistakes.
  • Credit repair companies evaluate your credit report and dispute any errors on your behalf with the credit bureaus and your lenders.
  • Some companies also offer ongoing credit consultations and additional financial tools, like credit and identity theft monitoring.
  • The process can be time-consuming, often lasting up to a year.

Why Trust Us?

Our editorial staff has more than a decade of experience with the credit and credit repair services industry. We review credit repair companies independently, ensuring our content is accurate and guided by editorial integrity. Read our full methodology to learn more.

  • 22 companies reviewed
  • 10+ data points used, including pricing, services and customer support
  • 100+ sources reviewed

Our Top Picks for Best Credit Repair Companies

  • Credit Saint – Best Overall
  • Credit Versio – Best for DIY Credit Repair
  • The Credit People – Best for Low Setup Fees
  • Sky Blue Credit – Best Value
  • The Credit Pros – Best Bonus Features

Best Credit Repair Reviews



Pros

  • 90-day money-back guarantee
  • Clear pricing policies
  • Online sign-up available
  • Online chat available weekdays from 9 a.m. – 7 p.m.

Cons

  • Service not available in South Carolina, Kansas, Mississippi, Oregon, Maine and Washington, D.C.
  • First work fee of up to $195


HIGHLIGHTS

Monthly fee:
$79.99 – $139.99
Set-up fee:
$99 – $195
Money-back guarantee:
90 days

Why we chose this company: Credit Saint is our pick for Best Overall because of its clear pricing policies and comprehensive package options.

The company offers three credit repair packages: Credit Polish, Credit Remodel and Clean Slate. The packages — which range from $79.99 to $139.99 per month — differ in how many claims they’ll dispute a month, from five claims with the basic “Credit Polish” plan to an unlimited amount with the premium “Clean Slate” plan.

Each package also features a different suite of financial tools. The basic plan, for instance, includes a credit score tracker, while the highest tier plan adds credit reports and scores from all three reporting bureaus.

Credit Saint offers a free consultation to evaluate your particular situation and identify the next steps you should take. Once you sign up, you’re assigned an advisory team that schedules calls to keep you informed.

Credit Saint also provides a credit score analysis and educational content to help customers better understand their credit. Some plans also include a personalized guide to building credit. Additionally, the company offers a 90-day money-back guarantee if you don’t see any changes in your credit history after three months.


Credit Polish

$79.99 p/m

Credit Remodel

$99.99 p/m

Clean Slate

$139.99 p/m

  • $99 one-time initial work fee
  • Challenges to the 3 Credit Bureaus
  • Score Analysis
  • Score Tracker
  • Access to Educational Content
  • 90 Day Money Back Guarantee
  • Creditor Intervention Letters
  • $99 one-time initial work fee
  • Same as Credit Polish plan
  • Creditor Intervention Letters
  • Inquiry Targeting
  • Personalized Guide to Building Credit
  • Access to Educational Content
  • One-Bureau Report and Scores
  • Real-Time Account Sync
  • $195 initial work fee
  • Same as Clean Slate plan
  • Acqualify Loan Readiness Program Enrollment
  • Rent-to-Own Home Program available through Pathway Homes
  • Report Your Payments to all 3 Bureaus
  • Three-Bureau Reports and Scores

Read full review>>



Pros

  • AI software analyzes your credit reports to identify negative items
  • Automatically generates dispute letters based on your credit situation
  • Keeps track of your credit score and disputes with an easy-to-read dashboard
  • Monthly plans include identity theft insurance

Cons

  • You must mail the dispute letters yourself
  • No credit experts to assist you
  • No money-back guarantee
  • No credit consultations


HIGHLIGHTS

Monthly fee:
$24.95 – 29.95
Set-up fees:
None
Money-back guarantee:
None

Why we chose this company: Credit Versio is our pick for Best for DIY Credit Repair because it’s a low-cost alternative to traditional credit repair services and simplifies the often complicated credit repair process.

Even though you can dispute credit inaccuracies yourself at no cost, the process can be time-consuming and stressful. Credit repair software Credit Versio can help streamline this process.

The software uses artificial intelligence to scan your credit reports for negative items that may lower your credit score. It then organizes them by credit bureau.

If you find a mistake, the software can generate tailored dispute letters based on your credit information and why you believe that item is inaccurate. All you have to do is print out the letter and mail it to the credit bureau.

Credit Versio offers two plans that provide unlimited dispute letters, monthly credit reports and scores, and access to SmartCredit’s credit monitoring platform.


smartcredit BASIC
$24.95 p/m

smartcredit PREMIUM
$29.95 p/m

  • Unlimited disputes
  • Monthly 3-Bureau reports & scores
  • Identity insurance up to $1 million
  • Credit monitoring alerts from TransUnion
  • Access to Smartcredit Money Manager
  • Two monthly Transunion Report & score
  • Unlimited disputes
  • Monthly 3-Bureau reports & scores
  • Identity insurance up to $1 million
  • Credit monitoring alerts from TransUnion
  • Access to Smartcredit Money Manager
  • Unlimited Transunion Report & score updates

Read full review>>




Pros

  • Simple pricing structure
  • Customer service available through phone, chat or email
  • Low one-time first work fee ($19)
  • Unlimited challenges with all three bureaus

Cons

  • No credit monitoring
  • No financial management tools


HIGHLIGHTS

Monthly fee:
$99, $119 or $599 six-month flat rate
Set-up fee:
$19 (No setup fees with six-month plan)
Money-back guarantee:
Cancel at any time and you won’t be charged for that month of service. If you choose the flat-fee plan, you have a full six-month satisfaction guarantee

Why we chose this company: We chose The Credit People as the best option for low startup fees because the company only charges $19. This sets it apart from competitors, which usually charge around $79 or more to set up your account and pull your credit report.

Additionally, The Credit People offers an excellent money-back guarantee. The company lets you cancel your subscription whenever you want and refunds the last and previous month’s payment. On the other hand, most credit repair companies have a 90-day money-back guarantee or only refund you for the previous month of service.

The Credit People’s interface is also a plus — you can monitor updates to your credit report or score from all three credit bureaus from its easy-to-use online dashboard. It also lets you track open disputes and connect to customer service with any questions.

The three memberships offered by The Credit People include the following credit repair services:


Standard Plan
$99 p/m

Premium Plan
$119 p/m

Flat-rate Plan
$599 One-time fee

  • Credit score before and after negative items are removed
  • Unlimited disputes to all three credit bureaus
  • Credit score from all bureaus updated monthly
  • Debt validation letters
  • Creditor interventions
  • Unlimited disputes to all three credit bureaus
  • Same benefits as the premium plan
  • Cancel at any and get a refund for the remaining months

Read full review>>



Pros

  • 50% discount for couples
  • Repair up to 15 items every 35 days
  • Online sign-up available
  • Pause your subscription whenever you like

Cons

  • No financial tools, such as credit score tracker
  • Credit disputes limited to five per bureau every 35 days


HIGHLIGHTS

Monthly fee:
$79, $99 or $119 for individuals ($119, $149 or $179 for couples)
Set-up fee:
$79, $99 or $119, depending on plan
Money-back guarantee:
90 days

Why we chose this company: Sky Blue Credit Repair is our pick for best value because it offers low-cost credit-repair packages that include everything you need to clean up your credit report quickly.

For $79 a month, Sky Blue provides a basic package that includes credit bureau disputes, three bureau reports and scores, one-on-one consultations, an online client portal, and a credit score tracker.

The company also offers a full-service and a premium package for $99 and $119 a month, respectively. These include everything in the basic one, including creditor interventions, debt validation letters, cease and desist letters, personal information correction letters, credit-building tools, and more.

The company can also help you organize a strategy to improve your credit score, and you can schedule consultations if you have questions about anything credit-related like credit card offers or loan applications.

It’s also worth noting that Sky Blue Credit Repair offers one of the most flexible subscriptions on the market. If you want to skip a month of service without canceling your subscription, you can request a pause through your online account.

You won’t be charged while your account is paused, and you can resume the subscription when needed. This could save you money on the startup fees that most credit repair firms charge when you use their services.

Its credit repair plans include:


Basic
$79 p/m
($119 for couples)

Full Service
$99 p/m
($149 for couples)

Premium

$119 p/m

($179 for couples)

  • Three-bureau reports and scores
  • Credit bureaus disputes
  • One-on-one consultations
  • Score tracker
  • 24/7 access to client portal
  • 60-Day credit updates
  • Everything in Basic Plan
  • Creditor interventions
  • 45-Day credit updates
  • Credit builder tool
  • Everything in Full Service plan
  • Monthly inquiry disputes
  • Debt validation letters
  • Cease and desist letters
  • Personal information correction letters

Read full review>>



Pros

  • Financial management tools and credit monitoring included with every plan
  • Live chat available
  • Certified FICO professionals
  • No setup fee

Cons

  • Basic credit repair package only includes one credit dispute
  • 24/7 phone support isn’t available


HIGHLIGHTS

Monthly fee:
$69, $129 or $149
Set-up fee:
$119, $129 or $149
Money-back guarantee:
60 days

Why we chose this company: Many credit repair companies offer extra perks only with their most expensive plan. We chose The Credit Pros as the Best for Bonus Features since it offers useful financial management tools at all price tiers.

The plans include tools like bill reminders and a real-time budgeting system that syncs to your accounts. They also feature TransUnion alerts to track credit score changes and dark web monitoring to check if your personal information (like your Social Security number or address) was leaked.

The most comprehensive plan, the Repair + Build Credit plan, also lets you access reports and scores from the three credit bureaus and a credit builder loan that can help improve your credit history if you make timely payments.

All plans include access to The Credit Pros’ mobile app, which lets you review disputes, receive real-time updates and monitor your credit score and report.

The company’s free consultation is available in English and Spanish, something not common in the credit repair industry. However, note that its initial work fee is higher than many other competitors’ — $119 for its lowest-tier plan, $129 for its middle-tier plan and $149 for its premium plan.


Build Credit
$69 p/m

Repair Credit
$129 p/m

Build + Repair Credit
$149 p/m

  • $119 one-time initial work fee
  • One-bureau report and scores
  • ID Cover Darkweb monitoring
  • TransUnion alerts
  • Real-time account sync
  • Bill reminder
  • Budgeting system
  • $129 one-time initial work fee
  • Same features as the Build Credit plan
  • Three-bureau credit bureau challenges
  • Cease and desist letters
  • Letters of reference
  • Creditor interventions
  • $149 one-time initial work fee
  • Same features as the Repair Credit plan
  • Access to credit builder loan (if interested)
  • Three-bureau reports and scores

Read full review>>


Credit Repair Guide

Credit report mistakes are much more common than you might think. And while you can remove inaccurate information from your credit report, the process is often frustrating and time–consuming.

A credit repair agency can make this process easier by doing the heavy lifting: obtaining your reports, finding inaccuracies and disputing any mistakes on your behalf directly with lenders and credit bureaus. However, many companies make false claims and lure customers into paying for services that won’t deliver results.

Table of Contents

  • What is credit repair?
  • How does credit repair work?
  • How do credit repair companies work?
  • What you should know before hiring a credit repair company
  • How to choose the right credit repair company
  • Warning signs of a credit repair scam
  • Credit Repair FAQ

What is credit repair?

Credit repair is the process of improving one’s credit history and score. It often involves reviewing your credit history for inaccuracies and disputing them with the three major credit bureaus: Experian, Equifax and TransUnion.

While you can repair your credit report for free, you can also hire a credit repair company, which reviews your reports for mistakes and disputes them by contacting the credit bureaus on your behalf.

Taking the time to repair your credit can raise your credit score, improve your likelihood of getting approved for the best credit cards and loans, and help you qualify for more favorable interest rates.

How does credit repair work?

Whether you do it yourself or hire a company, credit repair usually involves:

  • Requesting your credit reports from the three credit bureaus
  • Reviewing them for inaccurate information
  • Filing a dispute with the credit bureau that generated the report that has errors

Per the Fair Credit Reporting Act (FRCA), you can dispute any information you believe is inaccurate. The credit reporting agencies must investigate within 30 days and delete the item from your report if found to be erroneous. They must also send you the results of their investigation within five business days of completing it.

Note that you (and credit repair companies) can only remove inaccurate information from your credit report. If your report doesn’t have errors, you should focus on paying your bills on time, keeping a low credit utilization ratio and reducing your total debt.

How long does it take to repair your credit?

“The amount of time it takes varies greatly depending upon each person’s unique circumstances and other actions they take to improve their credit,” says Thomas Nitzsche, vice president of public relations for credit counseling agency Money Management International.

Nitzsche says you may see a credit score increase around one to three months after disputed errors are removed from your report. On the other hand, accurate negative items, like late credit card payments, stay on your file for seven years.

How long do negative items affect your credit score?

The impact of negative information lessens as time goes on. “It is difficult to say how much of an impact different negative items on a report will have, but the older an account is, the less impact it has on a score,” explains Becky House, director of strategic initiatives for credit counseling agency American Financial Solutions.

Nitzsche says how much a negative item lowers your score depends on your individual credit profile. For example, the effect should be less drastic if you have other credit lines in good standing. “This is why it’s important to take proactive steps to get trade lines back into good standing or to create new ones reporting positively,” Nitzsche says.

House says lenders can have different guidelines on which negative items they’re willing to accept when evaluating a borrower’s credit history. “For instance, one lender may be OK funding a loan for someone who had a negative credit mark three years ago. Another lender may have a risk policy that denies loans if someone has that information on their credit report.”

What you should know before hiring a credit repair company

There are some things to keep in mind before choosing a credit repair company to help fix your credit.

Not all negative items can be removed

It’s a red flag if a credit repair company guarantees removal of all negative items from your report. Late payments, hard inquiries, charge-offs, repossessions and debt collections can only be removed if the information is inaccurate or outdated. If a negative item is correct, it generally stays on your report for seven years — and up to 10 years for Chapter 7 bankruptcies.

For more information on other potential red flags, check out Warning signs of a credit repair scam.

Deleted items can reappear on your credit report

Deleted items can reappear if the bank, credit card company or debt collector reports them to the bureaus again. House says this usually happens if the reporting company believes the disputed item is valid.

You (or the credit repair company) can file a new dispute. However, House says to reframe or update it to explain better why the information on your report is wrong. You can do so by providing additional documentation to support your claim.

You might have to do some of the legwork

You may have to provide credit repair agencies with documentation to support disputes of negative information on your credit report.

Most companies have setup fees

Most credit repair companies charge an initial fee (also called a setup or first work fee) that can range between $15 and $200. This fee is used to set up your account, which may involve gathering your personal and financial information and creating a plan for your situation.

Companies can’t charge in advance for their services

Once you pay the setup fee (if required), companies can’t make any additional charges unless they prove they are fulfilling the services offered in their contract.

You have three business days to cancel a contract without incurring any penalties

The Credit Repair Organizations Act (CROA) states that you have the right to back out of a contract within three business days of signing it without any charges or cancellation fees.

How to choose the right credit repair company

These are some factors to keep in mind to avoid credit repair scams.

1. Look out for false promises

Legitimate credit repair companies will never guarantee they can remove accurate information from your report or promise you a new credit identity, for example.

For steps on dealing with negative items that cannot be disputed, read our guide on how to repair bad credit.

2. Check for Credit Repair Organizations Act (CROA) compliance

Ensure the company you choose follows CROA guidelines, which establish clear directives that legitimate credit repair agencies should follow. According to the CROA, credit repair companies must:

  • Provide a written contract explaining their services in detail, including service costs, guarantees and an estimate of how long the process will take
  • Give you a copy of the “Consumer Credit File Rights Under State and Federal Law,” a document that states your right to order credit reports and dispute inaccurate information yourself free of charge

3. Read customer reviews

You can check sources like Google Reviews, the Better Business Bureau (BBB) and Yelp to gauge customer experience. You can consider it a red flag if you read multiple reviews alleging similar issues. However, keep in mind that people are more likely to post reviews when they’re unhappy with a service than when they’re satisfied.

4. Check the regulatory agencies

When searching for the right credit repair company, it’s a good idea to check the Consumer Financial Protection Bureau (CFPB) complaint database and check for any complaints filed against the provider.

5. Compare fees and prices

Reputable credit repair companies will list their prices and services clearly so consumers can select the right package.

6. Look for personal finance tools

Besides their standard credit repair services, some credit repair agencies offer personal finance tools like bill reminders, budgeting software and credit monitoring. Additionally, they may offer free credit consultations, satisfaction guarantees and identity theft protection services.

When to consider a credit counseling service

If you have bad credit, Nitzsche recommends contacting a credit counseling service immediately. He emphasized that consumers shouldn’t wait until they need to raise their scores (such as before buying a house or car) to get help. “Building a good credit score takes time and should be started as soon as someone is aware they have bad credit,” he says.

A credit counseling service can help you improve your financial situation, not just dispute credit report mistakes. “They work with people to address their entire financial picture and the person’s goals. The goal is to have a sustainable budget, repayment structure for debts and build or rebuild a positive credit history,” House says.

Keep in mind that a credit counseling service won’t dispute errors on your behalf. However, Nitzsche says they can offer advice on how to do it yourself and how to build your credit moving forward.

Additionally, credit counselors offer resources and workshops on budgeting, debt consolidation, debt management plans (DMP), bankruptcy, housing and more.

Note that credit counseling services are usually nonprofit, but some of their services do carry a small fee of up to around $50. If you’re interested in consulting a credit counselor, you can find a certified one through the National Foundation for Credit Counseling.

Warning signs of a credit repair scam

The credit repair industry has its share of controversies and scams. With this in mind, it’s important to recognize red flags that indicate a company might be engaging in questionable practices.

According to the Consumer Financial Protection Bureau (CFPB), a credit repair company might be deceiving you if it:

  • Asks for upfront fees before providing any services
  • Claims to remove all negative information from your report, even if it’s accurate and up-to-date
  • Advises you to dispute correct information in your credit report
  • Says you shouldn’t contact the credit bureaus yourself
  • Doesn’t inform you of your rights, including the ability to cancel your contract with the company within three business days after signing it
  • Doesn’t provide a written contract outlining details such as service costs and guarantees
  • Asks you to waive any of your rights under the CROA
  • Offers you a “new” credit identity or profile

Be particularly wary of companies that guarantee they can remove accurate collections from your credit report, as House warns that this action could land you in legal hot water.

“We have seen this trigger lawsuits against consumers that resulted in garnishments. The person owed the debt was advised to dispute it and did, and the collection agency then filed suit to obtain a garnishment,” she says.


Credit Repair FAQs

How much does credit repair cost?

Credit repair agencies typically charge between $50 to $150 per month, depending on the service plan you choose. They also charge a setup fee (also called initial or first work fee) that’s often a similar price to the monthly subscription.

How can I fix my credit score?

There are steps you can take to fix your credit. However, the right ones for you depend on your particular financial situation. If your credit reports contain errors or outdated information, you should dispute these directly with the credit bureaus or hire a credit repair company to help you. If not, it’s a good idea to focus on paying your bills on time and reducing your overall debt.

How long does it take to repair credit?

The credit repair process does take time, and the amount of time it takes can depend on whether the items that are causing a low score are correct or not. If there are mistakes in your credit that can be corrected by disputing them with the bureaus, the repair process can take a few months. If the factors that are impacting your credit are correct, the process can take a year or more and involves reducing your credit card debt, lowering your credit utilization ratio and more.

Does credit repair work?

Credit repair services can help you remove inaccurate or outdated negative marks from your credit report. However, if your credit report is correct, you’ll have to improve your credit yourself or attend credit counseling. Also, note that you can remove credit reporting mistakes on your own for free by submitting disputes with each credit bureau.

Can I repair my own credit?

Yes, you can do all the steps that credit repair companies do for free. The main credit bureaus have online systems where you can dispute inaccurate or outdated information on your credit report. They will investigate within 30 days and remove the incorrect information if your claim is valid.


How We Chose the Best Credit Repair Companies

Since we first started reviewing credit repair companies in 2016, we’ve spent thousands of hours researching the industry and vetting its major players.

As part of this research, members of our editorial staff have sought first-hand experience with some of the names included in our list. Additionally, we reevaluate our top picks every month to provide readers with the most up-to-date information on these services and credit repair in general.

To choose the best credit repair companies, we evaluated the following factors:

Transparency: We considered whether companies provided clear, upfront information about their prices, fees, services, guarantees, terms and conditions and privacy policies.

Pricing and discounts: We compared companies’ service plans based on cost, favoring providers that offered multiple options at several price points. We also considered their setup fees, also known as first-work fees, and noted any available discounts, such as for couples or service members.

Services: All credit repair services claim to review and dispute inaccurate and/or outdated information affecting your credit history. However, we favored companies that offered various services tailored to different budgets and additional services, such as free credit consultations, creditor interventions and cease and desist or goodwill letters.

Financial tools: We checked whether companies offered financial tools that might help consumers improve their credit, such as a credit score tracker, monthly credit reports and/or identity theft monitoring.

Client portal: Companies that offered a portal or app for clients to track their dispute status and credit repair progress stood out from the competition.

Money-back guarantee and cancellation policy: We favored companies that offered refunds or guarantees if they couldn’t remove or correct errors from your credit report within 90 days. We also preferred companies that didn’t charge cancellation fees.

Customer Support: We preferred companies that offered several contact options, such as online chat, support forms, and email, which can improve their responsiveness to customer issues or complaints.

User experience: In addition to pricing and services, we considered the ease of use of each company website and whether the information provided was up–to–date.

Service area: We considered the number of states where the companies operate and prioritized those available nationwide.

Company history: Our top picks are reputable credit repair services that have been around for over 10 years and garner mostly positive customer reviews across different platforms.

Customer satisfaction: We checked reviews across third-party review websites, such as the Better Business Bureau, to gauge customer satisfaction and any patterns of complaints regarding a company’s services.

Regulatory actions: We looked for any history of Federal Trade Commission (FTC) violations and searched the Consumer Financial Protection Bureau (CFPB) complaints database to check these companies’ history of customer complaints or enforcement actions.

Summary of Money’s Best Credit Repair Companies

  • Credit Saint – Best Overall
  • Credit Versio – Best for DIY Credit Repair
  • The Credit People – Best for Low Setup Fees
  • Sky Blue Credit – Best Value
  • The Credit Pros – Best Bonus Features

Best Credit Repair Companies


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