You basically have two options when it comes to cleaning your credit report. First, you have the option of repairing your credit by yourself. This is a good option for someone who has the time and commitment for do-it-yourself credit repair. It does take time, but it’s also very rewarding.

Clean Up Your Own Credit Report

The Credit Repair Organizations Act (CROA) REQUIRES credit repair companies to inform clients what they can repair their own credit.  You should consider the following questions before jumping into cleaning up your credit by yourself:

  • Am I prepared to do a lot of research and learn the methods of credit repair?
  • Do I have the time and commitment to follow this to completion?
  • Do I feel comfortable negotiating with collectors?
  • Are you considering disputing online because of how easy it appears to be?  Keep in mind that by doing so, you may be giving up your rights to dispute or possibly sue in the future due to arbitration clauses between the three credit bureaus.

Have a Professional Clean My Credit Report

Your other option of course is to let a professional credit repair company handle repairing your credit. This option is best for people who just want to be done with the whole thing.

There is usually a fee for this, but it’s not bad, relatively. Credible Concepts offers potential clients a FREE consultation where they will go over your options. If you’re looking for somewhere to start, I suggest you check us out.  With our MaxScoreBuilder, our clients only pay for results.  No upfront fees.  There is only a fee for each item deleted per bureau.  We also help the client create a strategy to help MAXIMIZE their score.  Interested? Give us a call at 1-888-610-5366 or email us at

Remember just because you can do it yourself, doesn’t mean you should.  If that were the case, more people would do many tasks themselves such as fixing their own plumbing, their computer or even their own car.  The internet is full of information to help you do it yourself.  But what if you miss something important? What if you don’t have all the information you need initially to it right the first time?  It cost you more later down the road rather than if you had hired an expert to do it right the first time.