Payment history
The heaviest factor. One missed payment costs more than most people expect, and its weight fades with time.
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- Credit Repair
What genuinely moves a score
The levers that change a credit profile, the time each one takes, and a straight account of what no service can legally do for you.
Why this is hard to compare
The problem
Accurate negative information cannot be removed by anyone, at any price. Inaccurate information can be disputed, and you can do that yourself for free. What actually improves a score is unglamorous: on-time payments, lower utilisation, and time. Any service promising faster than that is selling something else.
What is on the table
Utilisation
The share of available credit you are using. Bringing it down is the fastest legitimate improvement available.
Errors and disputes
Genuine mistakes can be challenged with the bureaus at no cost. You do not need an intermediary.
Age of accounts
Length of history helps. Closing an old account can shorten it and raise utilisation at the same time.
Ready to see the numbers?
The levers that change a credit profile, the time each one takes, and a straight account of what no service can legally do for you.
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