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TrustScore Credit Repair
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Credit Repair Resources

Free educational guides, tools, and FAQs to help you understand your credit and make informed decisions.

Educational Guides

Fundamentals

Understanding Your Credit Score

Learn what makes up your FICO score: Payment History (35%), Credit Utilization (30%), Length of History (15%), Credit Mix (10%), New Credit (10%). Know what to prioritize.

Credit Building

How to Build Credit From Scratch

Starting with no credit history? Secured cards, authorized user status, credit-builder loans, and rent reporting are your tools. Step-by-step guide inside.

Fundamentals

How to Read Your Credit Report

Your credit report has 4 sections: Personal Info, Account History, Inquiries, and Public Records. Learn what each means and how to spot errors that hurt your score.

DIY Repair

Dispute Letters: How to Write Them

Under FCRA Section 611, you can dispute any inaccurate item. We break down the 3 types of dispute letters: Bureau Direct, Creditor/Furnisher, and Debt Validation.

Identity Protection

Identity Theft Recovery Guide

Step-by-step: File FTC report, contact bureaus, place fraud alerts, dispute fraudulent accounts, file police report, monitor for 12 months. Full checklist included.

Score Optimization

Credit Utilization: The 30% Rule

Utilization is your second-biggest score factor. Learn the optimal thresholds (under 10% is ideal), multi-card strategy, and statement date timing tricks.

Legal Rights

Know Your Rights: FCRA Guide

The Fair Credit Reporting Act gives you powerful rights: free annual reports, 30-day dispute investigation, removal of unverifiable items, and more. Know them all.

Fundamentals

Credit Repair vs. Credit Counseling

Credit repair disputes errors on your report. Credit counseling helps manage debt through DMPs. Know when you need each — and when you need both.

What Makes Up Your Credit Score

Payment History

35%

On-time payments are the #1 factor. Even one 30-day late can drop your score 100+ points.

Credit Utilization

30%

How much of your available credit you use. Keep it under 30% (under 10% is ideal).

Length of Credit History

15%

Average age of all accounts. Older accounts help. Don't close old cards.

Credit Mix

10%

Having different types of credit (cards, installment loans, mortgage) helps your score.

New Credit Inquiries

10%

Too many hard inquiries in a short time can hurt. Rate-shopping within 14-45 days counts as one.

Frequently Asked Questions

How long does credit repair take?+
Most clients see results in 30-45 days after the first dispute round. A full repair program typically takes 3-6 months depending on the number and complexity of negative items. Some clients see 40+ point increases in the first 90 days.
Is credit repair legal?+
Absolutely. The Fair Credit Reporting Act (FCRA) gives every consumer the right to dispute inaccurate, incomplete, or unverifiable information on their credit reports. Credit bureaus are legally required to investigate within 30 days.
What's the difference between credit repair and credit monitoring?+
Credit monitoring (like TrustScore's main service) tracks your score and alerts you to changes. Credit repair actively disputes errors and works to remove negative items from your reports. They complement each other.
Do I need to pay upfront?+
No. Under the Credit Repair Organizations Act (CROA), credit repair companies cannot charge before performing services. You pay monthly as we actively work on your disputes. Cancel anytime.
Can I do credit repair myself?+
Yes — FCRA gives you the right to dispute items directly. However, our experts know the legal frameworks, optimal dispute strategies, and escalation paths that significantly improve success rates. Our removal rate is 84% vs. typical DIY rates of 30-40%.
Will credit repair hurt my score?+
No. Disputing items cannot lower your score. In fact, if inaccurate negative items are removed, your score will increase. The dispute process is a consumer right protected by federal law.
What if an item can't be removed?+
Some items may be verified as accurate by bureaus. In those cases, we explore goodwill removal, pay-for-delete, or rapid re-scoring strategies. If we can't remove at least one item in 90 days, you get a full refund.
Do you guarantee results?+
We guarantee effort and expertise, not specific outcomes (anyone who guarantees specific score increases is likely violating CROA). However, our 84% removal rate and 42-point average increase speak for themselves. Plus our 90-day money-back guarantee.

Ready to take action?

Knowledge is power. Let our experts put it to work for your credit.

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