Payment history
The heaviest factor. A missed payment weighs more than most expect, and fades with time.
Credit Repair
What actually changes a credit profile, how long each step takes, and what no service can legally do.
Why this is hard to compare
The problem
No one can remove accurate negative information, at any price. Errors can be disputed, and you can do that yourself for free. What improves a score is on-time payments, lower utilisation and time.
What is on the table
Utilisation
How much of your available credit you use. Lowering it is the fastest legitimate gain.
Errors and disputes
Mistakes can be disputed with the bureaus at no cost, without an intermediary.
Age of accounts
A longer history helps. Closing an old account can shorten it and raise utilisation.
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