Credit repair can be complicated. can help. The most comprehensive, easy to understand information about credit repair anywhere. We’ll have your feeling like an expert in no time.

Below is a list of frequently asked questions about credit repair. Are there other things you would like to know about credit repair? Click here to contact our credit advisors.

Why repair your credit?

Having a good credit score is more important than may initially think. Loans are unfortunately a necessary part of life for the majority of us. Working towards achieving a better credit history and maintaining a high credit score can dramatically affect the quality of your life now and in the future when you’re considering applying for a loan. Here are the top 4 reasons to repair and/or improve your credit rating:

#1 Buying a house: arguably purchasing a home is one of the best investments you can make in your own future. Conversely, this can be one of the most difficult tasks if you happen to be burdened with a poor or substandard credit score. The recession resulted in many foreclosures and short sales. Although the economy and the housing market has recovered this has resulted in many banks and lenders tightening up lending requirements, with more stringent requirements than ever to quality for a home loan.

#2 Starting a business: if you are considering purchasing a business and your require a business loan, your credit history and score will have a large influence on your eligibility to receive financing. Regardless of whether you’re starting a new business or expanding an existing business, your individual credit rating will influence your ability to secure a loan for your business.

#3 Getting a job: it is now common place for employers to run a credit check prior to hiring employees. This is especially true for the financial and government sectors. A negative credit score could mean the difference between being hired.

#4 Getting lower interest rates: Whilst maintaining a good credit score will go a long way to helping you with any type of financial assistance, banks are still more than happy to lend to individuals with a poor credit score.

How does work?
There are three parts to our service. First, we offer a comparison, which makes sure you can smartly and transparently compare credit repair services and plans. Second, we’ve done the research so you don’t have to.
What does do for you?

Think of us as your unbiased credit repair matchmaker, connecting users with pre-screened repair companies. We’ve done the research for you, you can compare the prices and merits of each provider in an easy-to-understand format. Our mission is to make repairing your credit score as easy as booking a hotel online.

Access the best companies

We only feature the leading qualified and registered repairers. We fully screen for reputation, performance, accreditations, experience and level of service.

Review & compare companies online

Users on can review repair companies online, and easy compare them in a straightforward ‘like with like’ format.

Achieve full transparency and choice

Competition and transparency mean options for you, ensuring that you can make the right decision for you financial health.

Rely on impartial advisor

We have a comprehensive resource of free and independent information to help you choose the best credit repair for your specific requirements.

Why is using free?
When you choose a credit repair company through Credit Repair Sage, the company pays us a fee. That’s how we can offer you our service free of charge.
Can I get a lower cost if I contact the credit repair company directly?

No, the credit repair companies have fixed prices and we are to offer you the same rates.

How much does credit repair cost?

If you’re weighing up the decision to either try and repair your credit rating yourself or hire a professional credit repair service the question of cost will likely be a key decision maker. It’s important to remember though that bad credit also comes at a cost though. Your credit score is one of the most important three digit numbers in your life. If you have been living with bad credit you will be very familiar with many of the burdens that are associated with it, for example:

  • Higher interest rates on credit cards, student loans, auto loans and mortgages etc.
  • Uncooperative lenders and/or creditors
  • Restrictions on renting a home
  • Higher insurance premiums
  • Less job opportunities
  • Troublesome debts

More then just the above, a poor credit rating will severely limit your financial options and will eventually threaten your financial stability if ignored. It can be tempting to try and learn the “art of credit repair” yourself as this may at first seem like a cheaper option. However, by hiring a professional credit repair company you are positioning yourself for financial success and can rest assure that your credit score is in the hands of a professional. Credit repair services are more affordable than ever and with the hard work of weeding out the genuine services from the scams having already been done for you it’s truly never been easier to find a company you can trust.

Considering the cost of not repairing your score and living with bad credit it soon becomes obvious that hiring the services of the legitimate credit repair agency is an easy choice and a sound investment which will surely pay dividends for years to come. So, to answer your question of “how much do credit repair services cost?” much less than the cost of doing nothing.

How should I choose a credit repair company?
We reckon there are four things to consider: Price, Reputation, Success Rats and Customer Service. You can order your comparison by any one of these.
What to look for in a credit repair company?

Any credit repair company that you consider when conducting company reviews should meet a few basic characteristics:

Expertise: your credit repair company should have proven experience in repairing credit scores.

Licenses and accreditations: companies providing credit repair services should be licenced and accredited.

Track record and experience: credit repair is a growing industry that attracts professionals from many backgrounds. With low barriers to entry as a license is generally not required to perform credit repair service it can be hard to differentiate between a reputable company and a fly-by-nighter. When conducting credit repair reviews, make sure your credit restorer has an established credit repair track record. A reputable credit restoration provider should be able to illustrate their results and previous client success stories.


Reputation in the market: Credit repair company reviews from previous clients a are great for evaluation credit repairers, but they can be misleading. Customers providing ratings and reviews are unlikely to be a representative sample to you. However, ratings and reviews still have their place as they can provide a check on bad behaviour – for example, a pattern of customer complaints is probably an indication that you should work with another provider.

How long does the credit repair process take?

The best time to start repairing your credit is now. In truth, you are not actually rebuilding your credit score but actually your credit history, which then is reflected by your credit score. There is no fixed length of time

Credit repair should be viewed as on-going process with no fixed start and end date. The best advice to rebuilding your credit score is to manage it reasonably over time. If you have not engaged in this practice already then you need to commence the process and adopt best practices to repair your credit history which will ultimately lead to an improved credit score.

These elements will continue to affect your credit score until they expire:


  • Delinquencies will remain on your credit report for seven years.
  • The majority of public record items will remain on your credit report for seven years, however some bankruptcies will remain for 10 years and unpaid tax liens remain for 10 years.
  • Inquiries will remain on your report for two years.
Why use the service?

The easy way to compare credit repair services: Simple and online. You are in the driver’s seat!

  • True comparison shopping: Compare prices and services easily.
  • Your trusted independent advisor: Guidance throughout your credit repair shopping experience. 
  • Compare providers – apples-to-apples: Making it easy for you to select the best company.
  • Pre-screened companies: We screen companies so you don’t have to.

Quality Credit Repair Companies


At we only work alongside qualified and reputable credit repair services. features only the leading agencies in America. Of course, you are under no obligation to use any of the companies we recommend. Simply read our reviews and select your preferred company. It’s as easy and as that; saving you time, money and frustration.

Once you have chosen your preferred provider you are more than welcome, if not encouraged, to take full advantage of our free online resources. Examining our comprehensive reviews and carefully choosing your independent credit repair company has never been easier or more efficient.

If you do have any questions, concerns or commences we welcome your thoughts, please contact us.