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What Do Credit Repair Agencies Do?

Credit repair agencies are businesses that help their clients improve their credit scores. This is done by working with the credit bureaus and creditors to remove negative items from your client’s credit reports, such as late payments, collections, and charge-offs. They may also negotiate with creditors to have them agree to a payment plan that is more manageable for your clients.

Credit repair agencies typically offer a free consultation to potential clients so they can learn more about what the agency can do for them and how it works. They sometimes offer a free credit report that shows a credit score from the three primary credit bureaus; Experian, TransUnion, and Equifax. 

This report can help you identify any errors that may be dragging down your client’s credit score.


Most credit repair agencies offer a variety of services to help improve your client’s scores. These services may include:

Removing Negative Items

Credit repair agencies will contact the credit bureaus and attempt to remove any negative items that are damaging their client’s score. This may include late payments, collections, charge-offs, and more.

Disputing Errors

If there are any errors on a client’s credit report, the credit repair agency will dispute these with the credit bureau. This may help to improve a client’s score.

Improve Payment History

Credit repair agencies can also help to improve a client’s payment history. This is done by working with their creditors to set up a more manageable payment plan. This may help to improve the client’s score over time.

Negotiate With Creditors

The credit repair agency will also negotiate with the clients’ creditors in an attempt to have them agree to a more manageable payment plan. This can help to improve the client’s score by showing that they are making an effort to pay off their debt.

Credit Counseling

Many credit repair agencies also offer credit counseling services. This may include helping with budgeting and creating a plan to pay off debt. Credit counseling can be beneficial in helping to improve a client’s credit score.

Credit Repair Software

Credit Repair Software can automate some of the tasks, such as sending dispute letters to the credit bureaus, but much of the work still needs to be done manually. The best agencies will have a team of experienced professionals who can provide personalized attention to each client’s situation.

Some credit repair agencies may also offer additional services, such as:

  • Assistance with filing for bankruptcy
  • Help with identity theft
  • Tax preparation

Credit repair agencies can be a valuable resource for people who are trying to improve their credit scores.