How to Repair Your Credit

If you have ever purchased a car or home or applied for a credit card, you know that your credit score is one of the most important factors that a lender looks at when you apply for a loan.

It is important to know what goes into determining your credit score, but what do you do if your credit score is not as high as you want or need it to be? It is important to take steps towards repairing any damage to your credit history.

How is your credit score? DOWNLOAD tips on how to improve your credit scores now.



Many companies promote credit repair services, promising to remove bankruptcies, liens, and judgments from your credit file. Please be aware that virtually all of these services are scams. Legitimate credit repair agencies do not claim to remove accurate financial history from credit reports because no one can legally change accurate credit history. You can improve your credit score, but it takes time, a focused effort, and dedication to a debt repayment plan.

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Get a Free Credit Report

By law, you can request a free copy of each of your credit reports from each of the three major credit agencies – Equifax®, TransUnion®, and Experian® – once per year. You can order your report from each of these companies all at once or stagger the requests throughout the year. To order a report visit, or call 1-877-322-8228 (this website and phone number are authorized by the U.S. Federal Government for requesting credit reports – visit this website from the Federal Trade Commission to learn more).

Check for Errors

If you find errors in any of your credit reports, you can contact the credit reporting company and file a dispute to explain what you believe is inaccurate. You may need to provide documentation to prove your case. The Federal Trade Commission provides additional information on their website on how to file these letters. You can visit this page for detailed information.


Consumers with bruised credit should develop a budget that will help them get back on track with making necessary monthly payments because staying on top of your payments is one of the best ways to build good credit.

If you’re not sure how to create a budget and stick with it, how to work out a repayment plan with your creditors, or how to keep track of your mounting bills, you might consider contacting a credit counseling organization. The Department of Justice provides a list of approved agencies on its website.

Let us Help

Just because you have had some past credit problems doesn’t mean you cannot get an auto loan. Innovative Funding Services works with a number of financial lenders that serve different segments of the credit spectrum, meaning that we can find almost anyone a car loan. We can help credit challenged consumers obtain vehicle loans, refinance cars, and obtain lines of credit.

we work with customers who need help with credit repair

When you apply with Innovative Funding Services, your dedicated Finance Advisor will informally review your credit by comparing it against the credit standards of our different lenders so that he or she can identify the lenders that are the best fit for you.


Many good people sometimes struggle with keeping their credit in good shape, especially when the economy takes a downturn or when life events like losing a job make it difficult to pay the bills on time. However, lenders are aware that credit scores do not tell the whole story and some specialize in working with people who are trying to get back on their feet.

When you work with a company like Innovative Funding Services that has years of experience with helping people with bruised credit get car loans, you can feel confident that you are getting the help you need to find the right lender for you. We invite you to contact one of our Finance Advisors to get more information on our full array of services.

Call us today at 1-866-50-IFS4U (1-866-504-3748) or contact us using our online form.

Equifax® is a registered trademark of Equifax, Inc.
TransUnion® is a registered trademark of TransUnion, LLC.
Experian® is a registered trademark of Experian Information Solutions, Inc.