Get help addressing possible credit report issues

Explore services that may help organize report reviews and disputes of inaccurate information.

One form, multiple providers
Answer a short set of questions once instead of filling out the same application on five different sites.
Free to use
You never pay Money Central. We are compensated by the providers we work with.
No impact to your credit
Getting matched does not run a hard inquiry. Only you decide whether to move forward.

Let's start with a few questions

It takes about 2 minutes and never affects your credit score.

Answer a few questions

Share only the details relevant to this product.

Review next steps

See whether available providers or options may fit.

You decide

There is no obligation to move forward.

Before you continue

Common questions about credit repair

Can accurate negative items be removed?+

No. Accurate, timely information stays until it ages off, generally seven years for most negatives and ten for a Chapter 7 bankruptcy. What repair services can do is dispute items that are inaccurate, incomplete, or unverifiable.

Can I do this myself for free?+

Yes. You can pull your reports at annualcreditreport.com and file disputes with each bureau at no cost. People pay for a service to handle the volume and the follow-up, not because it is the only path.

How long does it take?+

Bureaus generally have 30 days to investigate a dispute. Meaningful score movement usually takes several months of disputes plus on-time payments.