At Redo Credit Repair, we can help you fix late payments, car repossessions, foreclosures, charge-offs, bankruptcy, tax liens, collection judgments, incorrect information, and more. Redo Credit Repair was created with the goal of making the process easy and accessible to everyone. We use algorithms and machine learning to help you with your credit score. Our process starts with a free consultation. We will listen to your concerns, and explain to you what we can do. If we can help you, we will. If we can't, we will explain why. Ready to get started? Claim your free consultation today. Why Pursue Credit Repair? Credit repair is critical to saving money on insurance, loans, and credit cards, but that's not the only reason to repair your credit. A better credit score opens up new employment opportunities, even promotions, and raises with your current employer. If you dream of starting your own business or just want the security of knowing you can borrow money when you want to, you should repair your credit sooner rather than later. Credit Repair Agency or DIY? Repairing your credit is certainly something that you can do yourself, but it requires a lot of time, work, and organization. Correcting just a single error on your credit report can take several hours when you consider obtaining copies of your report, writing a dispute letter, and communicating with creditors. There are advantages to hiring professionals who are familiar with the Fair Credit Reporting Act and understand credit law to do the legwork for you. How do you build credit? Apply for a secured credit card. If you're building your credit score from scratch, you'll likely need to start with a secured credit card. Apply for a credit-builder loan. Get a co-signer. Become an authorized user on someone else's credit card. Get credit for the rent you pay. Do settlements affect your credit? Although asking for a settlement on your own won't hurt your credit score, succeeding in getting a settlement, or skipping payments as some settlement companies advise, definitely will. The truth: Debt settlement can hurt your credit score almost as much as bankruptcy would.