What is credit restoration?

Credit restoration is the process of improving one's credit score by disputing inaccurate or outdated information on their credit report. This can include incorrect personal information, such as name, address, or Social Security number, as well as errors in reported account balances, payment history, or collection activity.

Credit restoration can be done by the individual themselves, or they may choose to hire a credit restoration company to assist them. The process typically involves reviewing one's credit report, identifying errors, and disputing them with the credit bureaus. If the credit bureaus find that the disputed information is inaccurate, they will remove it from the credit report, which can improve the individual's credit score.

Credit restoration can be a time-consuming and challenging process, but it can be worth it for those who are looking to improve their credit score and gain access to better credit terms.