Credit Repair vs. Credit Rebuilding — The Honest Difference
Credit repair removes inaccurate items. Credit rebuilding adds positive history. Most people need both.
Credit repair is the FCRA-regulated process of disputing inaccurate items on credit reports. Credit rebuilding is the slower work of adding positive trade lines and lowering utilization. Anyone selling fast 'repair' of accurate negative items is making promises the law doesn't support.
Frequently Asked Questions
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