📞 Call today for your free credit consultation and start working with Dallas credit experts who understand your challenges and deliver real solutions. We have over 20 years of experience and being in business for 18 years. Impeccable is able to accommodate clients from all around the world with two physical locations. We provide you with information, advice, and when necessary, we will provide you with resources to help you build good credit.

$0/month  (yes, It’s True!)

I’ve tried 10 other credit helping companies – None of them match Dovly. Build new history, clean up errors, and stay protected—all in one place. Dovly AI is your elite credit security force—shielding your identity, blocking threats, and helping safeguard your credit around the clock.

Step 2: Review Your Credit Reports For Errors

However, there are lenders willing to work with subprime borrowers, so don’t let it hold you back. Learn creditrepair by reading our guides on how to buy a car with bad credit and how to buy a house with bad credit. To calculate your credit utilization ratio, simply add together all of your credit limits from your revolving accounts to determine your total credit limit.

We Give You More Than Just An Improved Credit Scorewe Give You The Tools You Need To Fight For Your Rights

It’s important to note that accurate negative information cannot be removed from your credit reports until a certain amount of time has passed. Learn more about how long information remains on your Equifax credit report. A scam credit repair company, for instance, may claim it can help you hide negative account information or bankruptcy. After you pay the company, it may provide you with a nine-digit number that looks like a Social Security number, calling it a credit profile number or a credit privacy number. They may also direct you to apply for an Employer Identification Number (EIN) from the Internal Revenue Service. Ask a trusted friend or family member to add you as an authorized user on their credit card.

The Company was sued by the Consumer Financial Protection Bureau in 2019 for alleged illegal fees and sales practices. They also recently settled a class action suit over alleged illegal telemarketing practices. Steve Rogers has been a professional writer and editor for over 30 years, specializing in personal finance, investment, and the impact of political trends on financial markets and personal finances.

If you choose to utilize credit repair services, make sure the provider is legitimate, as the credit repair business is an area rife with scams. For example, applying for several new credit cards — say, a bunch of retail cards at various stores — in a short period of time could result in repeated hard inquiries, which can decrease your credit score. A reliable way to settle your debts quicker is by paying more than the minimum. Try adding a little extra to your monthly payments or making more than one payment each month when possible.