Credit Repair Services
Rebuild Your Credit, Unlock Your Future
A low credit score shouldn't stand between you and homeownership. STR Board's credit repair services help you identify and fix the issues holding your score back — so you can qualify for the mortgage you deserve.
What We Offer
Comprehensive Credit Repair Services
Our credit repair program is designed specifically for aspiring homeowners. Every step is aligned with getting you mortgage-ready.
Credit Score Analysis
We pull your credit reports from all three bureaus and perform a thorough analysis to identify errors, inaccuracies, and opportunities for improvement.
Dispute Inaccurate Items
Our team files disputes on your behalf to remove errors, outdated accounts, and inaccurate negative marks that are dragging your score down.
Personalized Action Plan
Receive a customized roadmap with specific steps you can take to boost your score — from debt payoff strategies to credit utilization tips.
Ongoing Score Monitoring
Track your progress with regular score updates and reports so you can see the results of your credit repair efforts in real time.
Dedicated Credit Specialists
Work one-on-one with experienced credit repair specialists who understand the mortgage industry and know what lenders look for.
Mortgage-Ready Strategy
Our goal isn't just to improve your score — it's to get you mortgage-ready. We align our credit repair strategy with your homeownership timeline.
How It Works
Your Path to Better Credit
Our proven four-step process has helped thousands of clients improve their credit and achieve their homeownership goals.
Free Consultation
Schedule a no-obligation consultation with our credit team. We'll review your situation, pull your reports, and explain your options.
Credit Analysis
Our specialists perform a detailed review of all three credit reports, identifying every item that can be disputed, corrected, or improved.
Dispute & Repair
We file disputes with the credit bureaus and creditors, challenge inaccurate items, and work to have negative marks removed or corrected.
Score Improvement
As items are resolved, your score improves. Once you hit your target, we transition you to our mortgage team for pre-approval.
Is It Right for You?
Who Benefits from Credit Repair?
Our credit repair services are ideal for anyone who wants to buy a home but has been held back by their credit score. Whether you've been denied a mortgage, want better rates, or are just getting started on your homeownership journey, we can help.
- You've been denied a mortgage due to your credit score
- You have collections, charge-offs, or late payments on your report
- You've found errors or inaccuracies on your credit reports
- You want to qualify for better rates and loan terms
- You're planning to buy a home in the next 6–12 months
Common Questions
Credit Repair FAQ
How long does credit repair take?
Most clients see meaningful improvement within 60 to 90 days, though results vary depending on the number and nature of negative items on your reports.
Will credit repair guarantee I get approved for a mortgage?
While we can't guarantee approval, improving your credit score significantly increases your chances and can help you qualify for better rates and terms.
Is credit repair legal?
Absolutely. You have the legal right under the Fair Credit Reporting Act (FCRA) to dispute inaccurate, incomplete, or unverifiable information on your credit reports.
What credit score do I need to buy a home?
It depends on the loan type. FHA loans may accept scores as low as 500–580, while conventional loans typically require 620+. VA and USDA loans vary by lender.
Can I do credit repair on my own?
You can, but working with professionals saves you time and increases your chances of success. Our team knows exactly what lenders look for and how to address each item effectively.
Don't Let Bad Credit Hold You Back
Take the first step toward homeownership. Schedule your free credit consultation today and let our experts build a plan to get you mortgage-ready.
Most clients see results within 60–90 days