Tell us what's holding your credit back. A verified credit professional will explain how reports and scores work, what you can dispute yourself, and what kind of help is worth paying for.
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Your credit report is the record. Your score is a number worked out from it.
A record of your accounts and payments kept by the credit bureaus. Lenders and others use it to decide whether to lend to you.
A number calculated from your report. There are several scoring models, so your score can differ depending on who checks it.
Whether you pay on time is among the most important parts of a score.
How much of your available credit you are using. Lower is generally better.
How long you have had credit and the kinds of accounts you hold.
A hard inquiry happens when you apply for credit. Checking your own report is a soft inquiry and does not hurt your score.
Some things can be corrected. Others take time. Nothing is instant.
Accounts that are not yours, wrong balances and out-of-date entries can be challenged with the credit bureaus.
Correct negative information normally remains for the period the law allows, which varies by type.
Paying on time and bringing balances down improve your record gradually.
Anyone promising to erase accurate negative items, or to guarantee a score, is promising what they cannot control.
If someone has opened accounts in your name, there are steps to dispute and protect yourself.
A professional can explain the options and the effect on your report before you agree to anything.
You can get your credit reports at no cost through the official AnnualCreditReport.com site.
Disputing a mistake with a credit bureau does not cost anything.
Federal law generally prevents credit repair companies from charging you before they have performed the services.
You should be given a contract in writing and a chance to cancel. Read it first.
No company can promise a particular score or that accurate items will be removed.
Never use a different number in place of your Social Security number or make false statements on an application.
For a loan, a card, a mortgage or a rental.
An account you do not recognize or a balance that looks incorrect.
You want to understand your options and their effect on your report.
Job loss, illness or other setbacks left a mark.
You want your credit in good shape first.
You want to know what to do next.
We'd rather connect you with the right provider once than flood your inbox with a dozen you'll never call back.
Errors can be disputed. Accurate information generally stays for the time the law allows. You'll hear which is which.
You can get your reports and dispute errors yourself for free. We explain that before anyone asks you to pay.
You get the options explained. Whether to use paid help is always your decision.
Accurate information generally stays on your report for the time the law allows. What can often be corrected is information that is inaccurate, outdated or can't be verified, and a professional can explain what that means for your report.
Often, yes. You can get your reports for free, dispute errors yourself at no cost, pay on time and bring balances down. Some people prefer help, and a professional can explain what's worth paying for.
It depends on what's on your report and why. Disputes are investigated within a set period, but building a stronger record takes longer. Be wary of anyone promising a quick fix.
No. Namoye doesn't check your credit.
No. Namoye is a free matching service. Terms and fees come from the professional you speak to, so ask for them in writing before you pay for anything.
No to both. A verified professional contacts you, and Namoye is free for you.
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Namoye is a free matching service. It is not a credit repair organization, lender or financial institution. Terms and fees come from the professional who contacts you.
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