Does Credit Repair Really Work?
When you’re working toward homeownership, one of the first questions that comes up is: “Can I fix my credit quickly?” Credit repair companies promise fast results, but the truth isn’t always so simple. The key to real improvement lies in understanding your rights, submitting disputes correctly, and following up until you get answers.
Watch: Does Credit Repair Really Work?
In this video, we break down the reality of credit repair and how the process works. While disputes can remove inaccurate information, many companies oversell what they can do. Real credit repair is less about shortcuts and more about persistence—submitting disputes, following up, and keeping track of responses from the credit bureaus.
What You Need to Know
Disputes can work – if there’s inaccurate or unverifiable information on your credit report, you have the right to challenge it.
No one can erase legitimate debt – if it’s valid and accurate, it won’t disappear just because you hired a company.
DIY often works – many people successfully manage disputes on their own with the right tools and patience.
Professional help is sometimes needed – if the process feels overwhelming, or if multiple accounts and legal language are involved, working with a trusted credit repair company can save time and stress.
Why This Matters for Homebuyers
If you’re preparing to buy a home, your credit score directly impacts your ability to qualify for a loan and the interest rate you receive. Even a small score increase can save you thousands over the life of your mortgage.
That’s why I encourage my clients to focus not just on disputes, but on long-term financial habits that set them up for success.
Ready to take action?
You can absolutely start credit repair yourself by pulling your free credit report, reviewing it carefully, and submitting disputes on anything that’s inaccurate. But if you’d rather have a professional guide you through the process, I recommend this company:
👉 https://www.bestcredit.repair/delawarehometeam
(This is my referral link, which means I’ll be notified and able to support you along the way.)
And if your ultimate goal is buying a home, check out my First-Time Buyer Guide in my Stan Store for a step-by-step roadmap to getting mortgage-ready.
First-Time Home Buyer Programs in Delaware: How to Get Up to $15K in Help
Buying your first home in Delaware? From closing costs to down payment assistance, this guide breaks down everything you need to know—including how to get up to $15,000 in help through DSHA and Wilmington’s First Start Program. Learn what programs can be combined, what to expect in closing costs, and how to start your journey with confidence.
