Credit repair, done with you
Bad credit isn’t permanent.Your credit report can be wrong. We prove it.
Errors on your credit file cost you real money. We find them, challenge them, and show you exactly what’s happening at every step. Start with a free ten minute credit check.
Rated 4.9 out of 54.9 starsfrom183reviews on Trustpilot and Google- No upfront fees
- Free report summary
- Open 6 days a week
Step 1 of 3
Free · 60 seconds
Step 1 of 3: Your report
What’s showing up on your report?
Pick everything that sounds familiar. Not sure? That’s an option too.
Choose at least one to continue
- Items removed for clients
- 15M+
- As of 2026
- Bureaus challenged
- 3
- Equifax · Experian · TransUnion
- Day dispute cycle
- 30 to 45
- Typical bureau investigation time
- Due upfront
- $0
- You're billed after we start work
The process
Six steps to a cleaner report.
No guesswork. You tell us what looks wrong, we handle the disputing, and you watch the corrections come in.
- 01
Free consultation
Talk with a specialist about whether credit repair actually makes sense for you. No cost, no obligation.
- 02
Report audit
We review your files from all three bureaus. Don't have copies handy? We'll pull them for you.
- 03
Flag questionable items
Mark the entries you believe are inaccurate, outdated, or unverifiable. One click is all it takes.
- 04
We start to resolve the conflict for you!
We challenge those items directly with the credit bureaus and the original creditors on your behalf.
- 05
Bureaus investigate
Investigations typically wrap up within 30 to 45 days, and updated reports come back to you.
- 06
Dedicated customer service
A dedicated specialist stays on your case from start to finish, answering questions and keeping you posted as your report improves.
What's included
One engagement, your whole file.
Formal disputes, direct creditor contact, ongoing monitoring, and collector letters, all working across your three reports at once.
Bureau challenges
Formal disputes filed with Equifax, Experian, and TransUnion.
Creditor interventions
We go straight to the original creditors on your behalf.
Inquiry assist
We address hard inquiries you didn't authorize or don't recognize.
Score analysis
We break down exactly what's pulling your score down, and why.
Report watch
Ongoing monitoring so corrected items don't quietly reappear.
Credit Bureau alerts
You're notified the moment something changes on your file.
Intervention letters
We stop unwanted contact from debt collectors.
Ready when you are.
A specialist will walk through your report with you, free, with no obligation to sign up.
Start free consultation
Why Zinu
A legal team, not a letter mill.
Plenty of companies fire off template disputes on your behalf. The real difference shows up the moment a bureau or creditor pushes back.
Attorneys and paralegals
Your disputes are handled by an actual legal team, not a call centre script. That matters when a creditor pushes back on a challenge.
Disputes grounded in law
Every challenge points to the exact reporting failure, whether that's inaccurate, outdated, or unverifiable information, instead of disputing your whole file at once.
You keep the paper trail
You see exactly what was sent, who it went to, and what came back. Nothing happens on your file that you can't account for.
Why it matters
Bad credit has a price tag.
On a $250,000 home loan spread across 30 years, the gap between excellent and damaged credit can cost you six figures in interest alone. Fixing your report isn't cosmetic. It's real money back in your pocket.
- Excellent credit3.9%+$0
- Mildly damaged5.0%+$58,637
- Damaged credit6.3%+$132,574
This is an illustrative comparison of total additional interest paid over the life of the loan. Actual rates vary by lender, market, and individual credit profile.
Client stories
Rated 4.9 by real clients.
Every review below is published on Trustpilot and quoted exactly as it was written. We don't print reviewers' names here. You can see each one in full, attributed, on our Trustpilot profile.
- 5 out of 5 starsVerified
I had a great experience with Zinu
I had a great experience with Zinu Credit Repair. They helped me remove a collection from my credit report, and the whole process was much smoother than I expected. Amy was amazing to work with—she was always kind, professional, and took the time to answer all of my questions. She kept me updated throughout the process and made everything easy to understand.
- 5 out of 5 starsVerified
Gaganjot is very good at her job
Gaganjot is very good at her job. She one hundred percent deserves the five star review for her work and effort. She brought my credit score up so well and she is helping me build my credit. I can't thank her enough for her amazing job and assistance.
- 5 out of 5 starsVerified
Zinu credit people are very sincere
Zinu credit people are very sincere and professional team. They fixed all credit related issues on my file.
- 5 out of 5 starsVerified
I have very good experience with them
i have very good experience with them they are very professional people to work with whith they did very good job thank you so much
- 5 out of 5 starsVerified
Very nice ppls
Very nice ppls. Have. Done all my repairs with very professional way. Give them 5star
- 5 out of 5 starsVerified
Working with the team
Working with the team. Getting regular updates about my file and getting things resolved.
Ratings and counts as of 21 August 2026. Individual results vary.
Learn
Know your credit.
Understanding how scoring works is the first step to keeping your credit strong for good.
Credit basics
What is a credit score?
How the 300–850 range is calculated, what counts as good, and why it gates your financial life.
Read moreBad credit & repair
Fixing bad credit
Most negative items trace back to errors. Here's how disputing them can bring your score back up.
Read moreStay ahead
Tips to improve credit
Pay on time, manage utilisation, review all three bureaus and guard against identity theft.
Read more
From the blog
View all articles- Why Is It Important To Pay Your Bills On Time, Every Time?A late payment is simply a payment that you have not made to the lender before the due date.
- Can Medical Debt Impact Your Credit Scores?Are you worried that your medical bills will harm your credit score?
- Can Small Business Credit Cards Hurt Your Personal Credit?There are many reasons why a business credit card can be invaluable for small business owners.
Questions
Straight answers.
The things people ask us most before they get started.
Still not sure? Call (800) 400-ZINU and ask us directly. No script, no pressure.
How much does Zinu Credit Repair actually cost?
We go through the cost with you on the free 10 minute analysis, once we have seen what is actually on your report. What we can tell you up front: there are zero upfront fees, so you are not charged before we begin work, and there is no long term contract, so you can cancel at any time.How long does credit repair really take?
Credit bureaus typically complete an investigation within 30 to 45 days of receiving a dispute. Most clients work with us across several dispute cycles, because items are challenged in rounds rather than all at once. Your timeline depends on how many items are on your report.What kind of items can actually get removed?
We challenge information that is inaccurate, outdated or unverifiable, such as accounts that aren't yours, duplicate entries, incorrect balances, items past the reporting period, or entries a creditor cannot substantiate. Accurate, current and verifiable information cannot be removed from a credit report by anyone.Can't I dispute these items myself for free?
Yes. You have the right to dispute inaccurate information in your credit file yourself, at no cost, by contacting the credit bureaus directly. Clients come to us for the process, the follow through across all three bureaus and the direct creditor interventions, not because self disputing is unavailable to them.Will working with Zinu hurt my credit score?
Disputing an item does not lower your score, and our review does not involve a hard inquiry on your credit file. Scores can move in either direction during the process as your report is updated by the bureaus.Do you guarantee a specific score increase?
No. Zinu Credit Repair does not guarantee specific results, and individual outcomes vary based on your unique credit situation. Any company promising a guaranteed number of points is one you should walk away from.
Free, no obligation
Start with a free 10 minute credit analysis.
A specialist walks through your three reports with you and tells you what could realistically be challenged. No cost, no obligation, and no upfront fees.
4.9 stars from 183 reviews on Trustpilot and Google
- No credit card, nothing to sign
- No hard inquiry on your file
- About ten minutes, start to finish