Can credit repair companies pull credit reports?
Andrew Campbell
Updated on February 17, 2026
Many credit repair companies start by requesting a copy of your credit report from each of the three major consumer credit bureaus — Equifax, Experian and TransUnion. The company will review your credit reports for derogatory marks, like …
Do credit repair companies lie?
The credit repair companies may tell you to apply for credit using the CPN or EIN, rather than your own Social Security number. And they may lie and tell you that this process is legal. But it’s a scam. These companies may be selling stolen Social Security numbers, often those taken from children.
How can I fix my own credit report?
How to fix your credit
- Get your credit report.
- Check your credit report for errors.
- Dispute errors in your report.
- Pay late or past-due accounts.
- Increase your credit limits.
- Pay off high-interest, new credit accounts first.
- Open a new credit card.
- Pay balances on time.
Can a credit repair company remove debt?
In short, no one can legally remove accurate and timely negative information from a credit report, and everything a credit repair clinic can do for you legally, you can do for yourself at little or no cost.
How are credit repair companies supposed to work?
How do credit repair companies work? Many credit repair companies start by requesting a copy of your credit report from each of the three major consumer credit bureaus — Equifax, Experian and TransUnion. The company will review your credit reports for derogatory marks, like … Charge-offs; Tax liens; Bankruptcies
Is it legal to repair your credit report?
Credit repair is legal in all 50 states. The Fair Credit Reporting Act protects the right of every consumer to ensure the accuracy of the information shown in their credit profile. That doesn’t mean all credit repair companies are legitimate.
Can a business owner check their credit report?
If you are a business owner, you can voluntarily provide business credit bureaus with information about your company for a more complete business file. Many times, this action is required in order to start a business file and build business credit.
Can a credit repair company remove negative information?
If you have negative information in your credit reports that is accurate, there is nothing a credit repair company (or you) can legally do to remove it. So, if negative items are correct, you’ll need to rebuild your creditrather than repair it.
