How Credit Repair Really Works

Under the Fair Credit Reporting Act (FCRA), you have the right to dispute:

• Inaccurate negative items
• Outdated derogatory accounts
• Duplicate reporting
• Unverifiable debts

❗ No one can remove accurate, current negative information — including us.

Step 1 — Get Your Free Credit Reports

• Get all three reports FREE at AnnualCreditReport.com
• Equifax provides six additional reports per year until 2026
• You qualify for extra reports if you are unemployed, on assistance, or a fraud victim

Step 2 — Fix Errors the Right Way

1. Download all three bureau reports
2. Highlight inaccurate or outdated items
3. Send dispute letters to BOTH the bureau and the furnisher
4. Follow up every 30 days until corrected

What Boosts Your Score the Fastest

• Pay bills ON TIME — 35% of score
• Keep credit utilization under 30% (10% is best)
• Do NOT close old accounts
• Avoid unnecessary credit inquiries

Credit Repair Scams to Avoid

Avoid any company that:

• Charges before any work is done
• Promises to delete accurate information
• Suggests new identities or CPN numbers
• Tells you not to contact the credit bureaus

If any of these appear — walk away.

The Superior Credit Repair Promise

We use legal, FCRA-based disputes, creditor interventions, and proven rebuilding strategies — never shortcuts, never fraud.

Your credit score AND your reputation matter — and we protect both.

Ready to Fix Your Credit the Right Way?

Speak with a real credit specialist today. We will review your reports and create a custom recovery plan.

📞 888-715-2400 • 📧 [email protected]

Superior Credit Repair Online® provides credit education & dispute services. Not a law firm. Results vary.