Consumer Protection

What to Know Before Hiring a Credit Repair Company

Credit repair companies cannot legally promise credit score increases, account approvals or removal of accurate negative information. Before paying any company, compare its claims against official consumer protection guidance.

Warning Signs

  • Promises to remove accurate information.
  • Requests for payment before legally required work is completed.
  • Advice to dispute information you know is accurate.
  • Claims of promise score improvement or promise approvals.
  • Pressure to create a new identity or use a different Social Security number.

Safer Alternatives

Consumers can review reports from AnnualCreditReport.com, dispute information they believe is inaccurate, incomplete or not theirs, and contact nonprofit credit counseling organizations for budgeting or debt help. Legal questions should be directed to a qualified attorney.

Data Last Verified: June 20, 2026. This page is educational only. It does not provide legal, financial, lending or credit repair advice and does not promise score changes, account approvals, or removal of accurate information.
Sources and verification: CFPB, FTC, AnnualCreditReport.com, FCRA consumer rights guidance, credit bureau education pages and provider disclosures where relevant.
About the FixCreditsCenter Editorial Team

The FixCreditsCenter Editorial Team researches consumer credit and personal finance topics using government guidance, provider disclosures and other primary sources. Our content is educational and is not a substitute for legal, financial or credit counseling advice.

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