NAICS Code 541990-04 - Credit Restoration

Marketing Level - NAICS 8-Digit

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NAICS CODE 541990-04
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NAICS Code 541990-04 Description (8-Digit)

Credit restoration is a professional service that involves the process of improving an individual's credit score by removing negative items from their credit report. This industry is focused on helping individuals who have experienced financial difficulties, such as bankruptcy, foreclosure, or late payments, to improve their creditworthiness and increase their chances of obtaining credit in the future. Credit restoration companies work with credit bureaus and creditors to dispute inaccurate or outdated information on a client's credit report, negotiate with creditors to remove negative items, and provide guidance on how to improve credit habits.

Parent Code - Official US Census

Official 6‑digit NAICS codes serve as the parent classification used for government registrations and documentation. The marketing-level 8‑digit codes act as child extensions of these official classifications, providing refined segmentation for more precise targeting and detailed niche insights. Related industries are listed under the parent code, offering a broader context of the industry environment. For further details on the official classification for this industry, please visit the U.S. Census Bureau NAICS Code 541990 page

Tools

Tools commonly used in the Credit Restoration industry for day-to-day tasks and operations.

  • Credit report analysis software
  • Dispute letter templates
  • Credit monitoring services
  • Debt validation letters
  • Credit score simulators
  • Credit counseling services
  • Identity theft protection services
  • Payment negotiation tools
  • Credit repair tracking software
  • Credit education resources

Industry Examples of Credit Restoration

Common products and services typical of NAICS Code 541990-04, illustrating the main business activities and contributions to the market.

  • Credit counseling
  • Debt management
  • Credit repair
  • Credit monitoring
  • Identity theft protection
  • Financial coaching
  • Credit education
  • Debt settlement
  • Credit score improvement
  • Credit report analysis

History

A concise historical narrative of NAICS Code 541990-04 covering global milestones and recent developments within the United States.

  • The credit restoration industry has been around for decades, with the first credit bureaus established in the late 1800s. However, it wasn't until the Fair Credit Reporting Act of 1970 that consumers were given the right to dispute errors on their credit reports. This led to the creation of credit repair companies that helped consumers navigate the dispute process. In recent years, the industry has seen significant growth due to the increasing importance of credit scores in obtaining loans and other financial products. The use of technology has also revolutionized the industry, with many credit repair companies offering online dispute tools and credit monitoring services.