Credit Repair Success Starts Here

5 Common Credit Myths That Are Hurting Your Score

Think paying off a collection removes it from your credit report? Think again. Many Americans are unknowingly damaging their credit due to outdated advice from social media and friends.

If you've been trying to fix your credit based on things you’ve heard on TikTok, Facebook, or from friends—stop. A lot of that information is just plain wrong. Here are five myths we hear all the time:

• Myth: Paying off a collection will remove it.
  Truth: It’ll still show as “paid,” but it can remain for up to 7 years.
• Myth: You only have one credit score.
  Truth: You have dozens, and lenders choose which to use.
• Myth: Closing credit cards helps your score.
  Truth: It can hurt it by raising your utilization ratio.
• Myth: You can’t fix credit legally.
  Truth: The Fair Credit Reporting Act (FCRA) gives you rights to dispute inaccuracies.
• Myth: Only time can fix bad credit.
  Truth: You can take legal, strategic action to fix it fast—and we can help.

How Anthony & Beth Helped Me Get a Car With a 640 Credit Score

“I was stuck with a 515 credit score. After 8 weeks with Anthony & Beth, I walked into a dealership and drove off the lot.”

Last year, I couldn’t even qualify for a used car loan without ridiculous interest rates. My score was 515, and I had 4 charge-offs and 2 collections. I was skeptical but gave Anthony & Beth a shot after seeing some of their testimonials.

Within 2 months, they removed 6 negative items, added revolving credit lines, and helped me build a 12-month payment history—instantly reporting.

The best part? My new score was 640 and I financed a 2019 Hyundai with only $500 down. No co-signer. No hassle. Just results.

If you're wondering whether it's worth it—it is.

Why Clients Call Our $10/Week Program the Best Decision They Ever Made

We’re not another “dispute letter” company. We fix the root cause, boost your score fast, and get results you can feel in your wallet.

Most credit repair companies either:

• Promise fast results without real compliance, or
• Drag it out for years with no plan.

At Anthony & Beth’s Credit Services, we take a 5-step approach:

1. We eliminate inaccurate, unverified info.
2. We report up to $2,500 in positive tradelines.
3. We lower utilization legally—fast.
4. We track results weekly.
5. And we back it with FDIC, FCRA, and CROA compliance.

Clients say things like:
“I saw results in 3 weeks.”
“Best $10/week I’ve ever spent.”
“I wish I found you 2 years ago.”