Credit Repair

We Fix Credit can really help you with boosting your credit score. This is our specialty. We can also give you some great tips on how to preserve your score so that you are back in control of your financial future.

It will take about six months of credit activity to establish enough history for a credit score, which is used in 90% of lending decisions. They could go up to 1200 ( although this is very rare to have a perfect score ). Credit scores with most people range from 300-850, and a score of over 700 is considered a good credit score. Scores over 800 are considered excellent.

How do I get started improve my credit score ?

Step 1. Get a copy of your credit report

Step 2. Identify the negative accounts

Step 3. Contact We Fix Credit to dispute the negative information for you

Step 4: Pay off credit card balances with help of We Fix Credit so that we can also reduce your debt.

Step 7. Ask We Fix Credit about the possibility of removing late payments

Step 8. Look at your credit enquiries and ask about whether or not some can be removed from your credit file.

Items to focus on;

Late payments ( Repayment history indicators )

Debt Collection accounts

Credit inquiries ( particularly unsecured or personal loans )

If you’re going for a loan, lenders use your credit report as one tool to determine your suitability, so it is very important to keep it looking good.

Repayment History Information

This is a really shady area, particularly in recent times of the pandemic and natural disasters. But there are cases where the banks have made some grave mistakes, thus affecting your score dramatically.

In 2014, the government brought in changes so more “positive” information will be included. This includes whether you have a mortgage, your mortgage repayment history going back two years, your credit card limit and repayment history, and repayment history on car loans and personal loans.

Shows whether you pay your loans on time. Every month, your credit provider can make a record on your credit report showing that you paid on time, didn’t pay, or paid late. You may be listed as paying late even if you are only fourteen days late. Your credit report can list late payments for up to two years, even if you are no longer behind in payments. Repayment History Information can only be listed by a credit provider and not by utilities or telecommunications providers.

If you defaulted on a credit card four years ago but haven’t missed a payment since, it’s likely your credit score will go up. That’s because that positive history will now be factored in, as well as that one default.

We Fix Credit can in some case remove the bad repayment history information and boost your credit score to an acceptable level for you to borrow again

Credit Reporting Bureaus

We repair credit reports and credit scores with the following credit reporting bureaus.

The benefits of protecting your Credit File for your future include:


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