What is the typical cost of credit repair services?

[Sultan112]

My sister wants to move out of her shared New York apartment and rent a nice studio closer to work. However, most decent apartments require a good credit score for approval which she sadly does not have because of a couple of missed credit card payments.

She’s conflicted between which approach to take to improve her credit score: DIY or Credit Repair Services. We’ve weighed the time commitment and effort of DIY against the potential speed and expertise of a credit repair service, but the cost is a major factor.

Can someone tell me when comparing do-it-yourself credit repair to credit repair services, what are the associated costs for each option? I want to help her create a budget and choose the approach that best suits her financial situation and desired timeline for improving her credit score.

 

[Ethan Miller]

Three years ago after being irresponsible youth, I checked my credit score on Credit karma for the first time, it was a dismal 512. I realized that if I ever wanted to buy a decent car, own a home, or use credit cards strategically to improve my finances, I needed to take action.

Today, my credit scores are 745 on Experian and 757 on Equifax. I’m not sure if anyone’s interested, but I’d like to share some of the lessons I’ve learned along the way.