What Is Credit Repair and Why Does It Matter?

If you're dealing with a low credit score, you're not alone. Whether you’ve missed a few payments, faced unexpected medical bills, or experienced bankruptcy, credit issues can feel overwhelming—but they’re not permanent. Credit repair is the process of identifying and correcting errors on your credit report, improving your financial standing, and opening doors to better financial opportunities.

At Credit Done Right, we specialize in helping people across the country take control of their credit and their future. Here's what you need to know about credit repair and why it matters.

What Is Credit Repair?

Credit repair involves reviewing your credit report, disputing inaccurate or outdated information, and working with creditors and credit bureaus to correct those errors. It can also involve building new, positive credit history and creating a plan to manage existing debts more effectively.

Credit repair is not a magic fix or an overnight solution—but with expert help, persistence, and the right tools, it doeswork.

Why Credit Scores Matter

Your credit score isn’t just a number—it’s a key that can unlock or block major life milestones. A low credit score can affect your ability to:

  • Rent an apartment – Landlords often check your credit before approving a lease.

  • Buy a home or car – A low score can mean higher interest rates or loan denials.

  • Get a job – Many employers review credit reports during the hiring process.

  • Avoid high deposits – Utility companies and cell phone providers may charge higher deposits for those with poor credit.

With a solid credit score, you’ll pay less in interest, get better approval odds, and have more control over your financial life.

Common Credit Issues We See

People across the country face a variety of credit challenges, including:

  • Medical debt – A common source of unexpected collections

  • Repos and evictions – These marks can significantly impact your credit

  • Late payments and charge-offs – Even a single missed payment can drag your score down

At Credit Done Right, we understand how overwhelming these issues can be—and we fight to help you fix what’s fixable.

How Long Does Credit Repair Take?

Everyone’s credit story is different, but you can typically start seeing results within 30–90 days of beginning the credit repair process. Full recovery might take 6–12 months or more, depending on the severity of your credit issues.

During this time, our team will:

  • Review your reports from all three bureaus

  • Dispute inaccuracies on your behalf

  • Provide coaching to help you build positive credit habits

We’re with you every step of the way.

Know Your Rights

Thanks to the Fair Credit Reporting Act (FCRA), you have the legal right to dispute any inaccurate, incomplete, or unverifiable information on your credit reports. Credit Done Right uses these rights to work on your behalf with Experian, Equifax, and TransUnion.

You can fix your credit—and we can help.

Ready to Get Started?

Whether you're recovering from financial hardship or just want a better shot at buying your first home, Credit Done Right is here to help you build a stronger financial foundation. Contact us today for a free consultation.

Megan Coleman