 TITLE: Credit Repair: How to “Fix” Your Credit Yourself CONTENT: Can You Pay to Have Your Credit Fixed?\n--------------------------------------\nIf your credit file has information you feel is incorrect, credit repair companies may offer to dispute the information with the credit reporting agencies on your behalf. Credit repair companies typically charge a monthly fee for work performed in the previous month or a flat fee for each item they get removed from your reports. However, Experian does not charge consumers or require any special form to dispute information, so this is something you can do on your own at no cost.\nIf you're on a monthly subscription, the cost is typically around $75 per month but can vary by company. The same goes for paying a fee for each deletion, but that option typically runs $50 each or more.\nThat said, it's important to keep in mind that credit repair isn't a cure-all—and in many cases it crosses the line into unethical or even illegal measures by attempting to remove information that's been accurately reported to the credit bureaus. While these companies may try to dispute every piece of negative information on your reports, it's unlikely that information reported accurately by your lenders will be removed.\nAnd again, credit repair companies can't do anything that you can't do on your own for free. As a result, it's a good idea to consider working to fix your credit first before you pay for a credit repair service to do it for you. END