Tired of Struggling with Bad Credit?
Take Control and Start Rebuilding Your Credit Today.
At CredabilityBoost.com, we help you break free from bad credit by partnering with you every step of the way to rebuild your credit. Our proven process delivers measurable improvements quickly, so you can start enjoying better interest rates, loan approvals, and financial peace of mind.
Why Does Good Credit Matter So Much?
Good credit is more than just a number—it’s your key to financial flexibility. It directly influences your ability to secure loans, get favorable interest rates, and qualify for significant life purchases like homes and cars. Simply put, good credit helps you save money and provides peace of mind.
Want to buy a car?
How does a low credit score affect my car payment?
A low credit score can substantially increase the overall cost of your vehicle. Let’s look at an example:
If you’re buying a new Toyota Camry priced at $23,000 with a 66-month loan: That’s an extra $9,616 John pays, just because of his lower credit score.
Having good credit means you pay less for the same purchases, keeping more money in your pocket.
New Toyota Camry: $23,000/66 Month Term
Jane’s Credit Score
730
Interest Rate: 1.99%
Payment: $368
Total Interest Paid: $1,302
Total Payments
$24,302
John’s Credit Score
599
Interest Rate: 14.99%
Payment: $514
Total Interest Paid: $10,921
Total Payments
$33,921
A Low Score Can Cost You:
$
0
MORE
For the exact Same Care and Price!
How Does Your Credit Score Affect Buying a Home?
Your credit score plays a major role in your ability to secure affordable home financing. Here’s how it impacts what you pay.
New Home: $250,000/30 Year Fixed Rate Mortgage
Jane’s Credit Score
730
Interest Rate: 2.75%
Payment: $1021
Total Interest Paid: $117,417
Total Payments
$24,302
John’s Credit Score
599
Interest Rate: 6.5%
Payment: $1580
Total Interest Paid: $318,861
Total Payments
$568,861
A Low Score Can Cost You:
$
0
MORE
For the exact Same Care and Price!
Want to buy a house?
Can a low credit score really cost me thousands on my mortgage?
Yes, it can and often much more than you realize. When you’re buying a home, lenders look at your credit score to decide how risky it is to lend you money. The lower your score, the higher the interest rate they’ll offer, increasing your overall costs.
For example, let’s say you’re purchasing a $250,000 home with a 30-year fixed-rate mortgage:
With a lower credit score, John pays an additional $201,444 over the life of the loan for the exact same house.
Good credit makes homeownership more affordable by lowering your interest rates, reducing monthly payments, and significantly decreasing total costs.
Ready to see how improving your credit can help you save big?
WE’RE HERE TO HELP YOU
How Can I Improve My Credit Score with Credability Boost?
We help you take real steps toward a stronger credit score by doing the heavy lifting for you. That means challenging inaccurate or unverifiable items on your credit report, and guiding you toward adding positive credit history through smart strategies.
You don’t need to navigate credit repair alone—we’re here to help you every step of the way with clear answers, proven results, and affordable service.
Items that impact many credit reports
What’s Dragging Down Your Credit Score?
These are some of the most common items that show up on credit reports and hurt your score. If any of these sound familiar, you’re not alone and we can help you fix them.
Late Payments
Missed or late payments can stay on your credit report for years and have a major impact on your score.
Collections/Charge-Offs
Accounts sent to collections or written off as a loss tell lenders you’re high risk—even if it’s an old bill.
Inaccurate accounts
Sometimes credit reports show accounts that don’t belong to you or have the wrong status. We’ll help dispute them.
Hard Inquiries
Too many hard credit checks in a short time can lower your score. We’ll show you how to manage and reduce them.
Repair Your Credit
What’s Our Credit Repair Process?
Step 1.
Review Your Credit Profile
We dive into your credit report to pinpoint inaccuracies, outdated items, and anything unfair dragging you down.
Step 2.
Craft Dispute Letters
Our experts write targeted, personalized letters to your creditors—challenging errors, requesting validations, and asserting your rights.
Step 3.
Notify Credit Bureaus
We follow up with TransUnion, Equifax, and Experian to ensure they investigate and correct the disputed items.
Step 4.
Escalate as Needed
If initial disputes don’t stick, we send additional notices to original data furnishers to push for prompt updates or removals.
Step 5.
Unlimited Disputes, No Extra Fees
Have dozens of negative items? No problem. We dispute everything that’s unfair at no added cost.
Step 6.
Track & Report Progress
You’ll get regular updates on every action taken, so you can sit back, relax, and watch your credit score climb.
Credability Boost
How Long Does Credit Repair Really Take?
Credit repair isn’t magic—it’s a step-by-step process.
We space out disputes strategically (to avoid “frivolous” rejections), escalate tougher items, and keep you in the loop through our client portal. By following our plan—and practicing healthy credit habits—you’ll see your score climb and learn how to maintain strong credit long after our work is done.
- Initial Response (30–45 days): Once we send dispute letters, bureaus and creditors have up to 45 days to investigate.
- Ongoing Improvements (2–3 months): As errors get corrected or removed, you’ll notice score bumps—often within the first few months.
- Complete Rebuild (3–6 months+): For older or complex errors, multiple rounds of disputes may extend the timeline to three to six months (or slightly longer).
Repair Your Credit
What’s the First Step in Repairing My Credit?
It all starts with a deep-dive credit analysis. We pull your full reports from Equifax, TransUnion, and Experian to see exactly what’s impacting your score and how lenders view you today.
This credit analysis report is broken down into 5 sections:
See your current scores side-by-side and understand where you stand.
Identify late payments, collections, charge-offs, and any questionable entries.
Learn your rights under the Fair Credit Reporting Act and how we use them to challenge inaccuracies.
We will be drafting many letters on your behalf to credit bureaus and creditors, to challenge the items you wish us to challenge. Along
the way, we will also guide you how to better manage your credit — so you can keep your awesome credit long after our work is done
Know what to expect after your analysis and how we keep you updated via our client portal.
Our Process
What Can I Do to Speed Up My Credit Repair?
While we handle the heavy lifting, you can accelerate your results by following a few simple steps:
- Keep Balances Low: Aim to use less than 30% of your available credit—even if you pay the balance in full each month.
- Pause New Credit Applications: Every hard inquiry can dent your score. Hold off on applying for new cards or loans until we’re through.
- Maintain Your Monitoring Account: Keep your credit-monitoring login active in the client portal so we can verify changes in real time.
- Pay your bills on time! One missed payment will lower your score dramatically and undo all the work we are doing
- Share Bureau Correspondence: As we send dispute letters, bureaus or creditors will reply. Snap a quick photo of any mail or PDFs and upload them to your portal so we can respond promptly.
Have questions?
Here's a few FAQs
We pull your full credit reports from Equifax, TransUnion, and Experian, identify inaccuracies or unverifiable items, then send targeted dispute letters on your behalf. We follow up with both creditors and bureaus until errors are corrected or removed.
You’ll usually see the first updates in 30–45 days, with meaningful score bumps in the next 2–3 months. Complex or older errors may require multiple dispute rounds—often wrapping up within 3–6 months.
Yes—each hard inquiry can shave a few points off your score. We recommend pausing new credit applications while we’re working your disputes so you don’t accidentally undo our progress.
Absolutely—but it can be overwhelming. DIY disputes often get flagged as “frivolous” if sent too aggressively. Working with us means strategic, legally grounded challenges and no hidden fees, so you maximize every opportunity for removal.