A certified credit counselor can evaluate your financial situation and help you pull together a budget and a plan for getting out of debt. If warranted, they can even help you negotiate with creditors to seek lower payments or repayment plans that fit your budget. The Credit Pros offers affordable plans to help you increase your credit score so you pay less for the essentials (and the extras) in life. This may influence which products we review and write about (and where those products appear on

Once you have a copy of your credit reports, check them carefully for errors. Mistakes on credit reports are more common than you might think. A 2024 Consumer Reports study found that 44 percent of consumers have at least one error on their credit reports. credit repair near me can be harmless, like incorrect middle initials, but some can decrease your credit score. Typically, credit repair companies offer a free consultation to determine your potential timeline and help you decide if credit repair is the right approach.

Legal In-depth Credit Audit

However, fees vary by credit repair company and the level of service provided. You can also explore a lower-cost alternative, such as a credit-building product or repairing your credit on your own. Evaluate the services offered thoroughly — items like credit score monitoring may already be available through your bank. Basic packages sometimes don’t include filing disputes with all three credit bureaus, or the number of disputes per month may be limited.

Negative Items You Might See On Your Credit Reports

With consistency, your score will improve, helping you unlock better rates and access more financial opportunities. Some credit counseling agencies offer debt management plans (DMPs), where they negotiate with creditors on your behalf and consolidate payments into one monthly installment. These plans can sometimes lower your interest rates, waive fees, extend repayment terms and help you avoid missed payments. Setting aside all jargons and technicalities, credit repair involves disputing and verifying the accuracy of all the information laid out on your credit reports. To dispute information in your credit reports is your LEGAL RIGHT as a consumer. Therefore, when you see discrepancies in your credit reports which negatively affect your standing, you can verify these issues with the credit reporting agencies, your creditors, or other collection agencies.

Get Your Free Credit Score Today!

The credit repair cost will vary based on the company and the credit repair program available. The Phenix Group does not do up front pricing for our credit support, nor should you settle for any credit repair specialist that does charge an upfront payment fee for their credit services. We do not provide a cookie cutter credit program; therefore, we can’t give a definitive work fee until a proper analysis has been conducted and an action plan written out by a credit repair analyst. Thankfully, we offer the credit analysis and consultation free of charge, so you won’t be charged a fee upfront. Once we provide a free evaluation, we can give you an initial cost of your repair plan.