Money Trumpet
Your Guide to Better Credit and Financial Health
How Credit Repair Really Works
Credit repair can be confusing. This guide explains the facts so you can make smart decisions — no hype, just clear information.
What Is Credit Repair?
Credit repair involves reviewing your credit reports for errors and helping you dispute inaccurate or outdated information with the credit bureaus (Equifax, Experian, TransUnion). Legitimate credit repair companies act as your representative to file disputes on your behalf.
What Credit Repair Can and Cannot Do
- Can do: Dispute information that is inaccurate, incomplete, or unverifiable.
- Cannot do: Remove accurate negative information that is still within the legal reporting period (usually 7 years for most items, 10 years for bankruptcies).
- Cannot do: Guarantee any specific results or a certain score increase.
• We are not a credit bureau. We are not affiliated with any government agency.
• Credit repair companies cannot remove accurate negative information from your credit report.
• Results are not guaranteed. The law requires that you receive a written contract before any payment is made.
• You have the right to cancel within 3 business days for any reason.
• You may dispute inaccurate information on your own at no cost by contacting the credit bureaus directly.
Steps to Improve Your Credit
- Get your free credit reports at AnnualCreditReport.com
- Review them for errors and dispute anything inaccurate
- Make all payments on time (payment history is 35% of your score)
- Keep credit card balances low (utilization is 30% of your score)
- Consider professional help only if you have many complex disputes
Recommended Credit Repair Services
Here are reputable services we’ve researched. All are CROA-compliant and offer transparent processes.
The Credit People
Strong reputation, excellent customer support, and clear pricing. (Often cited for high affiliate payouts around $100 per qualified referral.)
Credit Saint
One of the most established companies with unlimited dispute filing. (Pays ~$80 per sale in many affiliate networks.)
The Credit Pros
Excellent reviews and strong track record. (Frequently listed among top-paying programs, up to $120 in some cases.)
Money Trumpet earns a commission if you choose to work with any of these companies through the links above — at no extra cost to you. We only recommend services we believe are legitimate and helpful.