Build or rebuild your US credit — the honest way
New to US credit, or trying to recover after mistakes or hard times? Start with the free steps you can do yourself, then choose whether you want to be matched at no cost with a credit-repair or nonprofit counseling provider.
Credit Footing is a free matching service, not a credit-repair company. No one can promise a specific credit score.
What actually moves a credit score
These are the parts of a US credit score. Real change takes time, and depends on your own credit file — no honest service can promise a number.
How Credit Footing works
Four clear steps — and you stay in control the whole way.
Tell us your situation
Your goal — building credit, fixing an error, or rebuilding after a setback — and how to reach you. Contact and goal details only, never your SSN or account numbers.
Learn your free options first
We explain plainly what you can do yourself for free, like disputing errors and checking your reports, and what the law protects.
Get matched, free
If you want help, we connect you at no cost with a credit-repair or nonprofit counseling provider near you.
You choose who to work with
Read the written contract, understand the fees, and decide. You can always cancel a credit-repair contract within the cooling-off period.
Honest ways to build or repair your credit
The kinds of credit help we can match you with, at no cost to you.
Disputing credit report errors
If something on your credit report is wrong, you have the right to dispute it yourself for free. This page explains the basic steps, what paid help can and cannot do, and how free matching works if you want support.
Learn more →Building credit from scratch
New to the US and have no credit history yet? You can start building credit with a few simple products and habits, and many first steps are low-cost or free.
Learn more →Rebuilding credit after hardship
A setback does not mean your credit is ruined forever. After missed payments, collections, eviction, or bankruptcy, many people rebuild step by step — and some of those steps are free.
Learn more →Credit counseling & debt help
Nonprofit credit counseling can help you understand your debt, make a budget, and decide on next steps. This page explains what is usually free, what may cost money, and how Credit Footing can help you get matched for free if you want.
Learn more →What you can do for free, by law
Before you pay anyone, know this: much of credit repair is something you can do yourself for free.
You can get your credit reports for free and dispute errors yourself.
A credit-repair company can't charge you before the work is done.
No one can legally remove accurate negative information, and no one can promise a score.
You must get a written contract you can cancel within three days.
Ready to take the next step on your credit?
Get matched, free, with a credit-repair or counseling provider near you. You compare the options and choose who to work with — and you'll always understand the fees first.
Get matched, free Book a call