Credit fixing agencies play a crucial role in helping individuals improve their credit scores and financial standing. However, it’s important to understand the legal boundaries within which these agencies operate. In this blog, we will break down the key aspects of what credit repair agencies can and cannot do.

What Are Credit Fixing Agencies?

Credit repair or credit fixing agencies are organizations that assist individuals in identifying and addressing errors or inaccuracies on their credit reports. Their main goal is to help clients improve their creditworthiness by removing or correcting negative items on their credit reports.

Legitimate Services Provided by Credit Repair Agencies

  • Dispute Inaccurate Information: Credit repair agencies can dispute inaccurate information on your credit report. This includes errors in personal information, accounts, or negative marks that are not valid.
  • Negotiate with Creditors: They can negotiate with creditors on your behalf to settle outstanding debts or negotiate for more favorable terms.
  • Educational Resources: Credit repair agencies can offer educational resources and guidance on responsible financial management to help you maintain good credit in the future. 

What Credit Repair Agencies Cannot Do?

  • Guaranteed Results: Legitimate credit repair agencies cannot guarantee specific results. Be cautious of any agency that promises to raise your credit score by a specific number of points.
  • Remove Accurate Information: They cannot remove accurate negative information from your credit report. If you have legitimate late payments or collections, credit repair agencies cannot make them disappear.
  • Provide False Information: Credit repair agencies are prohibited from providing false information when disputing items on your credit report. They must work within the boundaries of the law.
  • Charge Upfront Fees: According to the Credit Repair Organizations Act (CROA), credit repair agencies cannot charge upfront fees before providing their services. They should only charge you after they have performed the services they promised.

The Credit Repair Process

Understanding the credit repair process can help you make informed decisions when working with credit repair agencies:

  • Initial Consultation: A reputable credit repair agency will start with a consultation to check your credit situation and discuss your goals.
  • Credit Report Review: They will review your credit reports from the three major credit bureaus (Equifax, Experian, and TransUnion) to identify inaccuracies or errors. Dispute Process: Credit repair agencies will draft dispute letters to the credit bureaus or creditors, challenging the accuracy of the negative items on your report.
  • Monitoring Progress: You can expect regular updates on the progress of your credit repair. They should keep you informed about any changes to your credit reports.
  • Results and Next Steps: Once the dispute process is completed, you’ll receive a report detailing the results. If there are improvements, the agency will provide guidance on maintaining good credit.

How to Protect Yourself from Credit Repair Scams

Not all credit repair agencies have your best interests in mind. Here are some tips to protect yourself from scams:

  • Research: Check the agency’s reputation and reviews online. Look for any red flags or complaints from previous clients.
  • Beware of Guarantees: Be cautious of any agency that guarantees specific results or promises to remove all negative information.
  • Verify Fees: Ensure the agency complies with CROA by not charging upfront fees. You should only pay for services that have been delivered.
  • Understand Your Rights: Familiarize yourself with your rights under the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA).


Credit fixing agencies can be valuable in your journey to improve your credit, but it’s essential to be well-informed about what they can and cannot do. By understanding the legal boundaries and your rights, you can make better decisions when seeking their assistance. 

Looking to boost your credit score in Florida? Our expert team at Credit Repair of Florida is here to help you on your journey to financial success. With our proven strategies and personalized approach, we can assist you in achieving the credit score you deserve. Don’t let a low credit score hold you back any longer – contact Credit Repair of Florida today!