Credit repair becomes important when poor credit prevents you from qualifying for a mortgage, auto loan, or other types of financing. A low credit score often leads to higher interest rates and increased finance charges.
By improving your credit, you can qualify for better loan terms and reduce the amount of interest you pay over time.
The good news is that bad credit doesn’t have to be permanent. With the right steps and consistent financial habits, you can successfully repair your credit and rebuild a stronger financial future.
The timeline for credit repair varies, as each individual’s credit report is different. Credit bureaus are required to respond to disputes within 30 to 45 days, but in some cases, the process may take longer. While that timeframe may sound quick, many consumers have multiple inaccuracies that need to be addressed, which can extend the overall process.
What affects my credit score?
Your credit is made up of five main parts: your payment history,
credit utilization, credit length, credit mix and new credit.
Payment History
Paying your bills on time is the biggest in your score. Even one mistake could cost over 100 points.

Why Choose NexGen Lending for Credit Repair?
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