Credit Help & Repair
Improve Your Credit. Unlock Better Financing.
Find trusted, accredited credit counseling agencies and repair services near you. Whether you are managing debt, disputing errors, or building toward homeownership — we connect you with the right help.
Credit help by state
Compare accredited agencies and find the right support for your situation.
Understanding your credit score
Know where you stand — and what it takes to qualify for better home improvement financing.
Focus on paying bills on time and reducing credit card balances below 30% utilization.
Dispute any errors on your report and avoid opening new accounts for 6 months.
Keep utilization low and maintain a mix of credit types to push into Very Good.
You qualify for most loans. Keep balances low and avoid hard inquiries.
Excellent standing. You qualify for the best rates on home improvement financing.
Quick wins to boost your score
Pay on time, every time
Payment history is 35% of your FICO score. Set up autopay for at least the minimum on every account.
Keep utilization below 30%
Credit utilization is 30% of your score. Paying down balances — even partially — can show results in 30 days.
Dispute errors on your report
One in five Americans has an error on their credit report. Dispute inaccuracies with all three bureaus for free at AnnualCreditReport.com.
Avoid opening new accounts
Each hard inquiry can drop your score 5–10 points. Avoid applying for new credit in the 6 months before a major loan.
Keep old accounts open
Length of credit history is 15% of your score. Even unused older cards help — just make a small purchase occasionally.
Diversify your credit mix
Having a mix of revolving credit (cards) and installment loans (auto, personal) can improve your score over time.
Credit Score Estimator
Answer 7 quick questions to get an estimated credit score range — no hard inquiry, no sign-up required.
How is your payment history?
Payment history makes up 35% of your FICO score — the single biggest factor.
Ready to start your home project?
Once your credit is on track, Proxihouse connects you with verified contractors and flexible financing options.
Referral Disclosure: Proxihouse may receive compensation when you connect with credit counseling agencies, debt management providers, or other financial service providers listed on this page. This compensation may influence which providers are featured or how they are presented, but does not affect our commitment to connecting you with reputable, NFCC-member organizations. Always review the terms and conditions of any provider before engaging their services. For more information, see our Privacy Policy and Terms of Use.
Referral Disclosure: Proxihouse may receive compensation from agencies listed on this page if you click through and engage their services. This does not influence which agencies are listed or how they are ordered. We list agencies based on accreditation status and geographic coverage only.
Fair Credit Reporting Act (FCRA) Notice: Proxihouse is not a consumer reporting agency as defined by the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.). The information provided on this page is for general educational and referral purposes only and does not constitute a consumer report. We do not collect, assemble, evaluate, or maintain information on consumers for the purpose of furnishing consumer reports. Credit counseling agencies and debt management providers listed here are independent third parties. Any credit-related information you share directly with those providers may be subject to the FCRA. You have the right to obtain a free copy of your credit report annually from each of the three major credit bureaus at AnnualCreditReport.com. If you believe your FCRA rights have been violated, you may contact the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov or the Federal Trade Commission (FTC) at ftc.gov.