ByTop 5 Apps to Help Repair Your Credit
If your credit report isn't looking as clean as you wish it did, whether due to late payments, inquiries, short credit history, or any of the other numerous factors that go into your credit score, you might be looking for an app to help you repair your credit.
There are several on the market, though some work more effectively than others. Learn about apps to fix credit, as well as the many ways DoNotPay can help you, below.
What Impacts Your Credit Score?
Your credit score can be impacted by numerous factors, including:
- Late payments
- Outstanding debts
- Number of credit lines open
- Number of hard inquiries
- Age of credit history
- Variety of types of credit
If you have a low credit score, chances are high that it is because you have missed payments, have large amounts of debt, or have a short credit history. Fortunately, these issues can be resolved eventually, allowing you to get a significantly higher credit score down the line. This, in turn, can help you get better interest rates on loans, rent better apartments, and more!
Apps to Help Repair Credit
If you're looking for score, you can find numerous options online. The top credit repair apps online, besides DoNotPay, include:
- CreditRepair
- Experian
- CreditKarma
- Credit Sesame
Each of these apps provide a credit report, as well as an explanation as to why your score currently sits where it does. From there, they can provide tips to improve your credit scores, and they allow you to get updates on your credit scores on a regular basis. These apps can provide helpful information about improving your credit report, but using them doesn't always automatically result in increased scores.
Cleaning Up Your Credit Score on Your Own
If you want to clean up your credit score on your own, there are several things you can do. The process can take a lot of effort and a long time to work, but it's worth it to get an improved score in the long run.
There are other avenues you can follow in cleaning your credit report, including:
| Wait for the debt to expire | All collection accounts have a maximum life of seven years – the statute of limitations. Sure, they will negate your credit score, but the effect isn't permanent, especially if you aren't planning on applying for a new line of credit soon. |
| Pay your debt | Pay bills and debts on time every time (automatic payment schedules can help) |
| Send dispute letters | Send dispute letters to all credit bureaus once you find any erroneous accounts on your credit report.The law mandates the reporting bureaus investigate your complaint. |
Cleaning Up Your Credit Score with DoNotPay
If the above steps seem exhausting, we don't blame you. Fortunately, DoNotPay has created a tool that can help you clean up your credit report with just three easy steps:
- Search Clean Credit Report on DoNotPay.
- Prepare a recent copy of your credit report that you can use as a reference.
- Let us guide you through the 4 potential options:
- If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
- If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.
- If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!
- Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.
Once you submit your requests, we'll get to work on getting your credit report cleaned up. We'll file debt validation requests or send dispute letters on your behalf. In the meantime, you can focus on the other pressing tasks that need your attention!
What Else Can DoNotPay Do?
DoNotPay is the world's first AI Consumer Champion, and it was designed to help people save time and money. Besides helping to improve your credit score, we can also assist you with:
- Requesting sick leave
- Locating birth certificates
- Filing a formal complaint
- Appealing banned accounts
- Getting advance healthcare directives
- Appealing parking tickets in any city
- Signing up for free trials without getting charged
- Free raffle tickets
- And so much more!
If there are numerous tasks on your to-do list, visit DoNotPay today to see which ones we can complete for you!