Is Credit Score Improvement Legal?

It’s important to note that credit repair is legal in all 50 states. There’s a federal law that guarantees consumers the right to dispute information in their credit report to have it corrected.

1. The 1st step is to dispute and remove incorrectly listed negative information on your credit report.
2. The next thing you should do is make sure you are building credit with new positive accounts.
3. The next thing you should make sure that your balances on revolving accounts are not too high. “Credit utilization”, or the amount of debt you have compared to your available high credit, accounts for over 30% of your consumer credit score.
4. The next step is to keep new credit applications to a minimum because too many inquiries in a short amount of time will hurt your credit score.
5. Limit inquiries to a minimum.
6. Lastly, keep making payments on time.