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Credit Repair

신용복구

📋 Definition

정의

Credit repair companies help consumers identify and dispute inaccurate, outdated, or unverifiable information on credit reports. These services handle communication with credit bureaus, negotiate with creditors, and work to remove negative items that are dragging down credit scores through systematic dispute processes.

💰 Revenue Model

수익 모델

Revenue from setup fees ($50-100) and monthly service fees ($79-149/month) during active repair period. Additional income from consultation fees, credit monitoring add-ons, and success-based pricing models where fees are tied to successful removals of negative items.

📊 Key Performance Indicators

핵심 성과 지표

  • Item Removal Success Rate

    Percentage of disputed items successfully removed or corrected

  • Average Score Improvement

    Mean credit score increase achieved for clients

  • Time to Results

    Average duration from enrollment to first score improvement

🏢 Key Players

주요 플레이어

Lexington Law, CreditRepair.com, Sky Blue Credit