Qualifying for a mortgage
When life changes, better credit gets you more home for your money and a lower monthly payment. Lenders price your rate off your report, so we fix the report first.
Stop Letting Old Credit Problems Outlift Your Future.
Credit repair is the process of reviewing your credit reports and challenging information that may be inaccurate, misleading or obsolete. Your credit report influences what borrowing may cost and which opportunities may be available to you. The Credit Gym helps identify qualifying issues, dispute them through the appropriate channels, and build a smarter path toward your financial goal.
Before you build the score, inspect the foundation.
Studies we cite put the lifetime cost of poor credit around $200,000. (New to how scoring works? Start with what a FICO score is and what moves it, and why your report matters more than your score.) It shows up in four places most people feel every month.
Buying the car you actually want
Better credit lowers your insurance premiums and your monthly payment, and gets you more car for the same money.
Investing in education
Better credit can lower monthly repayment after graduation. Give yourself, or your kids, an education that costs what it should.
Interest rates on everything
Interest is a large share of every payment you make on financed money. A stronger score cuts that share on every account you open next.
Three bureaus. One coordinated training plan.
We dispute negative items on your credit report to restore your score. You see all of it happen.
STATION 1Send your credit report
Upload your documents online. We immediately get to work challenging inaccurate negative items with the creditors and all three bureaus.
STATION 2Track your progress
Log in to your client portal any time to see every item removed and how far you are from your goal. Most clients see first progress in 20 to 45 days.
STATION 3Get approved
New home, new car, lower payments. And you never pay a cancellation fee, at any point, for any reason.
Full transparency, by design
Why is credit repair with The Credit Gym worth your pennies? Because your higher score saves you dollars, and because you can audit us while we work.
- Your own client portal from day one
- Every removed item listed, month by month
- A specialist who knows your file, not a call queue
Watch items come off, live
Credit repair is not magic. That is exactly why our process works.
Credit repair is not the only way to deal with a damaged report. Here is the real tradeoff, including doing nothing.
| What matters | The Credit Gym | Big-box repair firm | Do it yourself | Do nothing |
|---|---|---|---|---|
| Who works your file | A FICO Pro Certified specialist assigned to you | A rotating queue | You, after work | Nobody |
| Dispute approach | All 3 bureaus challenged simultaneously | Usually one bureau at a time | One letter at a time, learning as you go | Negative items age on your report for up to 7 to 10 years |
| Visibility | Portal shows every removal | Monthly email summaries | You keep your own records | None |
| Commitment | No cancellation fee, ever | Often term contracts | Your time, indefinitely | Higher rates on everything you finance |
| Typical pace | Most clients reach their goal in about 6 months | Open-ended | Depends on your persistence | No change |
The Credit Gym
- Who works your file
- A FICO Pro Certified specialist assigned to you
- Disputes
- All 3 bureaus challenged simultaneously
- Visibility
- Portal shows every removal
- Commitment
- No cancellation fee, ever. Most clients reach their goal in about 6 months
Big-box repair firm
- Who works your file
- A rotating queue
- Disputes
- Usually one bureau at a time
- Commitment
- Often term contracts, open-ended pace
Do it yourself
- Who works your file
- You, after work, one letter at a time
- Cost
- Free in dollars, expensive in evenings
Do nothing
- What happens
- Negative items age on your report for up to 7 to 10 years while you pay higher rates on everything
What moves your quote up or down
We price after a free assessment of your actual report, not from a menu. These are the factors that genuinely drive the number.
- How many negative items sit on your report, and how many bureaus each one touches.
- The kind of items. Collections, charge-offs, late payments and public records each take different work.
- Your goal and timeline. Prepping for a mortgage in six months is a different program than general cleanup.
- Discounts you qualify for. The heroes discount for military and first responders, and referral credits worth $50 to $150 a month, both lower what you pay.
One number is fixed: the cancellation fee. It is zero, always.
Built different than big-box firms
- Over 35 years in the industry
- All three bureaus challenged at once, rather than one at a time
- Simultaneous disputes to all 3 bureaus
- White glove service from certified specialists
Who this program is not for
If every item on your report is accurate, current and yours, credit repair cannot remove it and we will tell you so. Accurate debt is a debt problem, and our debt settlement program is the honest tool for it.
And if you want a company that promises a specific score by a specific date, that is not us. Nobody controls the bureaus, and anyone who guarantees a number is selling you one.
Get the free credit repair guide
Ready for your credit transformation but not quite the price tag? Start with our free guide and do your first reps yourself.
Members who did the reps
Real reviews from Credit Gym credit repair clients, as published on our site.
My score is now up more than 100 points and I was able to get a car loan with very little money down. Unlike other credit repair companies, they were worth every penny. Patient, effective and knowledgeable.
DamienChicago, IL
I am a single parent, and I used to lay awake worrying if I could ever help my daughter get a college loan. Thanks to Joe at The Credit Gym my credit is up and I just co-signed for my daughter's loan last week.
AmeliaDenver, CO
My credit was a dark cloud hanging over me for years. The Credit Gym was everything my friend said they would be: knowledgeable, helpful and effective. I now feel like that cloud has been lifted.
LindsayNew York, NY
What can credit repair actually address?
Not on this list? Call and ask
Credit repair is the process of reviewing your credit reports for information that may be inaccurate, misleading, duplicated, identity-related or obsolete and disputing qualifying issues with the appropriate credit bureaus or data furnishers. Credit repair does not legally erase accurate current information simply because it is negative.
A credit repair company can help challenge negative information that is inaccurate, misleading, unverifiable or obsolete. No legitimate company can promise that accurate, current negative information will be removed. The result of a dispute depends on the facts of the account and the investigation.
There is no universal timeline. Some bureau investigations may produce changes within weeks, while meaningful improvement can take several months or longer depending on the number and type of issues, bureau responses and the consumer's ongoing credit behavior.
Removing or correcting inaccurate negative information may affect a credit score, but no specific increase can be guaranteed. Scores also depend on positive factors such as payment history, balances, account age, credit mix and recent applications.
Examples can include accounts that are not yours, duplicate accounts, incorrect balances, incorrect payment statuses, wrong dates, identity-theft-related accounts and information reported beyond applicable reporting periods.
A late payment may be disputable if it is being reported inaccurately. If the late payment is accurate and within the legal reporting period, a credit repair company cannot honestly guarantee its removal.
Collections may be challenged when the reporting is inaccurate, duplicated, identity-related, obsolete or otherwise disputable. Paying or settling a collection does not automatically mean the account will disappear from every credit report.
A charge-off can be disputed when information about the account is inaccurate or otherwise legally disputable. An accurate charge-off generally cannot be removed simply because it hurts your score.
Checking your own credit is generally considered a soft inquiry and does not lower your score. A hard inquiry typically occurs when a lender checks your credit in connection with an application.
There is no legitimate instant fix. The fastest useful first step is to review all three reports, correct qualifying errors, bring current accounts up to date where possible, reduce problematic revolving balances and stop adding unnecessary new debt.
Talk to a specialist. It costs nothing.
A free consultation with a certified specialist gets you a straight read on your report and a plan to fix it.