Credit Repair

Credit Advocacy and Education

laptop with speed meter on screen near paper with credit report on desk

What is Credit "Repair"?

Why is Credit Advocacy Important?

Credit “repair” refers to the process of improving a person’s overall credit profile by identifying and disputing errors or incorrect information. Credit Advocates work on your behalf with credit bureaus, creditors, and other financial institutions to correct errors on credit reports, create credit focused financial plans, and improve overall credit profile accuracy.

Having an accurate credit profile is important for a number of reasons. An accurate credit profile can improve your overall credit score and can help you secure loans and credit cards with better interest rates. This can save you money over time. It can also make it easier to rent an apartment or buy a home. In some cases, a poor credit score can even affect your ability to get a job. The Fair Credit Reporting Act affords right to you, the consumer. OCCAM Credit Advocates will ensure that your rights are upheld.

What Are the Different Options for Credit Repair?

There are a few different options for credit repair. One option is to work with a credit repair company, which can help you identify errors on your credit report and work to correct them. Another option is to work with a credit counselor, who can help you develop a plan to improve your overall finances and credit score. You can also work to repair your credit on your own by following a budget, paying your bills on time, and reducing your debt. You have the right to dispute inaccurate items on your report for free directly with the credit bureau.

What Should You Look for in a Credit "Repair" Company?


When choosing a credit “repair” company, it’s important to do your research. Look for a company that is transparent about their services and fees and has a good reputation with consumer protection organizations. It’s also a good idea to choose a company that is compliant with the Credit Repair Organizations Act (CROA) and the Telemarketing Sales Rule (TSR), as these regulations are in place to protect consumers from fraudulent or deceptive practices. For specific information on this: 16 CFR 310.4 (2) (i) and (ii)

Why choose an OCCAM Credit Advocacy Company?

OCCAM is dedicated to ensuring that consumers are protected and informed when it comes to credit repair services. Our member companies have undergone rigorous investigation and audit to ensure that they are reliable, ethical, and competent in their services. We have a zero-tolerance complaint policy, meaning that if you have any issues with an OCCAM member company, we will work to resolve them to your satisfaction.

In addition, our member companies are held to the highest standards in compliance with the Credit Repair Organizations Act (CROA) and the Telemarketing Sales Rule (TSR). This includes disclosing all fees and services upfront, not requiring any payment before services are completed, and providing consumers with a written contract outlining all terms and conditions.

We understand that credit repair can be a confusing and stressful process, which is why we strive to provide the best resources and support for our consumers. By choosing an OCCAM member company, you can trust that you are working with a reputable and reliable provider who has your best interests in mind. Let us help you on your journey to financial freedom and improved credit.