We now live in a world where having a good credit score is of utmost importance. While obvious factors such as the ability to get a mortgage, apply for a loan or even obtain a cell phone plan are still pertinent, the phenomenon is now at the point where some employers are running credit checks on potential employees.
With that being said, even the slightest default can have a long-lasting detrimental effect on your overall credit score. So what do you do if you need to repair bad credit? This is where credit repair entities such as Lexington Law come in to place.
If you’re looking for professional guidance on improving negative marks on your report, then we are going to explore whether or not Lexington Law are a notable option.
We’ll discuss who the company is, what they offer, how much they charge and more. By the end of reading our Lexington Law review, you’ll be able to determine whether they are right credit repair agency for you.
Before we delve in to the fundamentals, let’s quickly explore what credit repair actually means.
What is a Credit Repair and How Does it Work?
As the underlying service offered by Lexington Law is credit repair, it is well worth discussing how such a mechanism works. In its most basic form, credit repair refers to the process of repairing a credit score of poor standing.
It is important to note that the sole purpose of the credit repair process is to look for derogatory marks against your name, and thus, ascertain if and how this can be improved. This can include a number of adverse marks, such as defaults, charge-offs and in more severe cases, bankruptcies.
In order to improve your overall score, credit repair companies will likely need to negotiate with creditors on your behalf. On the other hand, there may be marks on your credit report that you believe have been made in error. If this is the case, the credit repair agency will dispute this directly with the organization in question.
A somewhat unconventional approach that some credit repair agencies also take is to get you to obtain new lines of credit, such as an overdraft or low-limit credit card, with the view of re-building a healthy score. Take note, if your credit rating is already showing signs of strain, you might be best to avoid this option.
This is because applying for too many credit-based products can actually have an even more detrimental effect on your score. Nevertheless, if the credit repair agency in question are good at what they do, then they should be fully aware of this anyway.
Ultimately, it should be recognized that much of what credit repair agencies do can actually be done yourself. This is especially pertinent if you are looking to challenge marks that have been made in error. However, in more complex situations, you might be best utilizing the legal and financial expertise of a credit repair company.
So now that you have a firm grasp of what credit repair actually is, let’s take a closer look at who Lexington Law is.
Who is Lexington Law?
Lexington Law is a credit repair agency that were first launched in 1991. As such, this makes them highly established in the field of credit repair. Based in North Salt Lake, Utah, Lexington Law claim to have assisted more than 500,000 customers with their credit score endeavours.
In order to achieve their goals, Lexington Law utilize the services of more than 24 licensed lawyers, who are based across 19 different U.S. states.
In the vast majority of cases, customers use Lexington Law with the view of improving their credit score before applying for a mortgage. Outside of of the mortgage finance sphere, the company is also engaged in advice related to student loans, identity theft and divorce.
One of the strongest selling points from the perspective of Lexington Law is that they are not only a fully-fledged law firm, but their primarily specialism is that of credit law. This is of huge importance, not least because other companies from within the credit repair space often do not employ qualified lawyers, nor anyone licensed to give legal advice on credit.
Moreover, and as we will discuss in more detail further down, Lexington Law is also one of the cheapest credit repair agencies in the industry. Add this on top of the fact that you’ll likely be able to obtain a free consultation, some of the services offered by Lexington Law are of good value. On the other hand, although Lexington Law are better priced than many of their competitors, using a credit repair agency is not cheap.
So now that you have a good idea as to who the credit repair firm is, in the next part of our Lexington Law review we are going to explore their services in more detail.
What Credit Repair Services do Lexington Law Offer?
In a nutshell, Lexington Law offer four individual credit repair services, each of which come with their own costing levels. The service tier that you decide to sign-up for will ultimately depend on how extensive you need to credit repair to be.
Let’s break these down further.
Lex OnTrack – $24.95 per Month
If you’re looking for the absolute basic of credit repair services, then you might want to consider Lex OnTrack. You’ll pay a fee of $24.95 per month for this, and you’ll need to call the team directly if this is the option you’re looking for.
In reality, the Lex OnTrack service is only really suitable for those that need to budge their credit score by a smudging. This is likely to include minor defaults or simple clear-cut errors. Anything more than this and you’ll need to think about another plan.
Concord Standard – $89.95 per Month
The next service tier up from within the Lexington Law product range is that of Concord Standard. This works out at $89.95 per month, which is a considerable jump up from the $24.95 Lex OnTrack plan. According to the Lexington Law package page, the “Concord Standard service level covers the essentials of ethical credit report repair.”
In layman terms, this means that the team of legal practitioners at Lexington Law will make direct contact with both credit bureaus and creditors, with the view of getting your overall credit report in-line.
Concord Premier – $109.95 per Month
Next up in the Lexington Law service tier is the Concord Premier plan. As one would expect, this comes at a higher price, which amounts to $109.95 per month.
This particular service takes things to the next level, subsequently adding additional methods to resolve your credit problems. On top of the credit bureau challenges and credit intervention services available within the Concord Standard plan, you’ll also get inquiry assist, score analysis, report watch and TransUnion alerts.
- Inquiry assist: This provides Concord Premier subscribers with the tools required to challenge unfair credit score damage. This is usually the case when adverse footprints are left when creditors check your report.
- Score analysis: This is a highly advanced personalized credit report based on five key factors. You’ll receive this each and every month during your Concord Premier subscription.
- Report watch: The report watch feature is a useful service that allows you to receive direct training on how to evaluate and resolve adverse credit report changes as and when they materialize.
- TransUnion alerts: This particular service sees Lexington Law monitor your credit on a daily basis via TransUnion. You’ll receive real-time updates in the form of an email or text message, should anything notable occur.
PremierPlus – $129.95 per Month
If you’re looking for the full 360 degree credit repair service from Lexington Law, then you’ll need to stump up a whopping $129.95 per month for the PremierPlus plan.
Although at first glance this does seem somewhat expensive, you need to ask yourself what you are looking to get out of the credit repair process. If you need to increase your score quite considerably in order to obtain a mortgage, then you might need the full works.
On top of getting all of the services offered via the Concord Standard and Concord Premier tiers, you’ll also get access to cease and desist assistance, FICO Score Tracker, identity protection and personal finance tools.
- Cease and desist assistance: For those unaware, a cease and desist letter is a legal document sent to either an individual or company with the view of stopping certain actions.In the case of credit repair, this would normally seek to stop creditors or debt collection agencies from making contact to the debtor. If you’re subscribed to the top-tier plan, Lexington Law will initiate this on your behalf.
- FICO Score Tracker: FICO is one of the most important credit score frameworks, not least because more than 90% of U.S. lenders use it. Lexington Law will track your FICO score for you, and notify you of any notable changes.
- Identity protection: The identity protection feature is potentially one of the best add-ons from the premium plan. This ensures that Lexington Law guard your identity 24/7.
- Personal finance tools: This allows you to check your outstanding finance accounts from within the Lexington Law portal.
Apart from the Lex OnTrack package, which must be obtained by calling Lexington Law directly, you can sign-up to all of the service levels online.
In terms of payment methods, you can either pay by credit card or automated draft via your standard checking account. The monthly rates are charged to your chosen payment method from between 5 and 15 days after you sign-up. After this, you’ll be charged every 30 days.
If you decide that you want to cancel your Lexington Law subscription, you can do this at any time. Take note, if you cancel during a billing month, you’ll be charged a final payment for the services already performed.
The fact that you can utilize the services of Lexington Law on a month-by-month basis is definitely a plus-point, as some providers lock you into longer subscription plans that cannot be cancelled early.
So now that we’ve covered the main service plans offered by Lexington Law, let’s take a closer look at some of the negative credit report marks they might be able to help with.
What Negative Credit Report Marks can Lexington Help Repair?
In the vast majority of cases, credit repair providers such as Lexington Law are best suited for standard defaults or missed payments. This can come in in a number of different manners, however the important thing to note is that a single missed payment can instantaneously have a detrimental affect on your score.
One such example of this is something as simple as a missed cell phone payment. Although the amounts in question are likely to be minute, in the eyes of credit bureau agencies this indicates that you did not honour your credit agreement. In fact, if left untreated, such a default can stay on your credit report for up to 7 years.
The next level up from a missed payment or default is a charge-off. This is where a creditor will make a declaration that the debtor is unlikely to meet their dues, and this is usually the case after 6 months without a single payment.
Charge-offs are significantly more severe than a single missed payment, not least because it indicates that the debtor has a problem meeting their credit obligations.
When it comes to student loans, a missed payment can have serious effects on your credit score if you fail to make a payment within 90 days, or 30 days for a private loan. If you fail to make a federal student loan payment for 270 days, then this is classed as a default.
In terms of mortgage payments, if the consequence of prolonged defaults results in a foreclosure, then creditors will be able to see this on your report for up to 7 years.
Ultimately, many of the more serious credit defaults on your report will require significantly more attention than a minor missed payment.
So now that you know the types of negative marks that Lexington Law will strive to repair, in the next part of our review we are going to review the standard four step plan executed by the firm.
How Does Lexington Law Repair my Credit?
When you sign up to Lexington Law, there is a standard process that the credit repair agency take. Take note, some of the services outlined below are only available for higher tiers.
- Case Intake Once you first sign-up, Lexington Law will initially obtain your full credit reports from the three major bureaus. Notably, this includes Equifax, TransUnion and Experian. This will allow the team at Lexington Law to assess your individual case, and determine which steps need to be taken next.
- Legal Action Once the Lexington Law paralegals have reviewed your credit reports, they’ll then begin to make contact with your respective credit bureaus and creditors. This will see the team target specific marks that have been made on your report.
- Credit Score Analysis Once the initial legal action process has been initiated, those that have signed up for the Concord Premier or above plans will have their credit scores analysed each and every month.
The team will look out for any potential improvements that can be made, with the view of repairing your score on an ongoing basis. Moreover, you also have the option of contacting the paralegal team at Lexington Law for further credit repair-related assistance, training and tips.
- Follow-up and EscalationThis is potentially one of the most important steps to the Lexington Law service plan, as it sees their team take legal proceedings to a federal level.
This is likely to be in the event that a creditor or credit bureau has refused to take a specific action relevant to your score, and thus, Lexington Law will take the required legal steps for resolution.
Does Lexington Law Work? Is it Worth the Money?
This is potentially one of the most difficult questions to answer, as there really is no one-size-fits-all approach to credit repair. First and foremost, it is important to note that there are never any guarantees that Lexington Law will be able to achieve the results you are looking for.
This viewpoint is clarified by Lexington Law themselves, who state that:
“It is important to understand there are no guarantees involved with legal services. It is just like in a court of law where an attorney could never guarantee a client that the judge or jury would find in their favor.”
This indicates that Lexington Law are very upfront about what it is they can do. While they are confident in their 27+ years experience in the credit repair industry, they make it clear that they cannot offer any guarantees.
In terms of the fundamentals, Lexington Law claim to remove an average of 10.2 negative marks per client over the course of 4 months. This covers all three credit bureau reports.
Ultimately, although it is difficult to assess whether the Lexington Law paralegal team are going to be able to repair your credit until they look at your reports, it might be best to explore some unbiased testimonials that are available in the public domain. some
This will allow you understand some of the results that Lexington Law have successfully achieved.
Lexington Law Testimonials: What Have They Achieved?
When you access the main Lexington Law platform, the website has a dedicated testimonial section. This contains details of how the firm have serviced specific clients, and subsequently helped them improve their credit report.
However, although Lexington Law are a highly established company with a long-standing reputation in the credit repair space, it is always best to obtain testimonials available within the public domain. This ensures that you are able to obtain an impartial and unbiased viewpoints.
One of the best sources in this respect is the likes of Consumer Affairs. The website contains more than 1,300 reviews on the services offered by Lexington Law, which is an excellent mechanism to gauge the general consensus.
Quite a lot of the reviewers talk about a mismanagement of credit in their early 20s, however this is something Lexington Law were able to see to. Moreover, a lot of clients express their delight that Lexington Law were able to improve their credit scores within just a couple of months.
Ultimately, although the general consensus is that Lexington Law are capable of producing some notable results, once again there is no guarantee that they will be able to repair your credit. This is because each and every case is unique.
In conclusion, if you’re looking for a credit repair agency that is able to fix adverse marks on your credit report, then Lexington Law are a noteworthy contender. The fundamental benefit to using Lexington Law is that they are not only a fully licensed law firm, but their specific area of expertise is in credit law.
This is huge in the credit repair space, not least because a lot of agencies do not have the required legal training to provide you with what you are looking to achieve.
One the one hand, prices are now cheap at Lexington Law. Excluding the Lex OnTrack plan, which doesn’t really offer anything of value, the minimum monthly charge that you’ll be looking at is $89.95.
Moreover, if you want the full works, which you might need if your credit score is really adverse, then you’ll likely need to go for the top tier package at $129.95 per month.
However, on the other hand, having a good credit score is absolutely crucial in the modern world. This is especially true if you are looking to get on the property ladder and you’re staring at a negative score.
Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank or credit card issuer and have not been reviewed, approved or otherwise endorsed by any of these entities.
Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.
Why Did My Credit Score Just Drop? 6 Common Reasons
Your three-digit credit score can be the difference between being approved for a new financial product with strong terms versus being stuck with sky-high interest rates — or worse, denied altogether. So it can be incredibly frustrating when you think you’re doing well financially, only to find that your score has dropped.
Credit scores function as a snapshot of your credit history that helps lenders — and often landlords — determine how much risk you pose as a borrower or renter. The better your credit score, the lower your interest rates and larger your credit limits will be, while the opposite is true the lower your score is. But credit scores also frequently change, and sometimes not for any obvious reason.
“Scores fluctuate all the time depending on how the information in your credit history is evolving and changing,” says Rod Griffin, senior director of consumer education and advocacy at Experian.
Here are the six most common problems that can lower your credit score, according to Griffin:
1. You’ve missed payments
The most common reason that peoples’ credit scores have dropped is because they missed a payment, Griffin says.
“If you’re unable to pay a debt as agreed, it’s going to have a negative effect,” he says.
Missing payments are reported to the major credit bureaus once they’re 30 days overdue, so it won’t impact your credit score if you make the payment a few days late (although you will probably have to pay late fees). But if you don’t make at least the minimum payment after 30 days, it can seriously damage your credit score: According to credit damage data from FICO, a person who has otherwise never missed a payment could lose over 80 points after missing a payment for over 30 days and another 50 points after 90 days.
That’s why it’s important to at least pay the minimum required amount each month when the option is available, even if you can’t afford to pay off your entire balance. While you ultimately will need to pay the full amount in order to avoid having a high credit utilization rate (more on that later), your payment history is often the most important factor in determining your credit score.
You should also always contact your lender if you’re struggling to meet your mortgage, student loans or car payments in order to avoid defaulting. You may be able to reduce your monthly payments or have the loans placed into forbearance, which won’t impact on your credit score.
2. Your credit utilization rate is too high
Your credit utilization rate is the ratio between how much credit you use vs. how much you have available. The standard goal is to keep your credit utilization rate below 30%. You might have an excellent track record of making payments on time and in full, but if you only have one credit card and you’re using 90% of the total amount, your credit score is still going to suffer.
Griffin advises that borrowers in this situation open up another account and split your usage between the two because “if you’re using your credit well and can keep utilization low on both cards, you’ll likely see scores improve over time.”
But keep in mind that this strategy can also backfire if you can’t keep the utilization low on both cards. Then, you’ll likely end up lowering your credit score because you’ve maxed out your cards and are carrying a high balance each month, leading to a high utilization rate. That’s where making just the minimum payments on your cards may not be enough. You’ll need to pay off more than the minimum amount if you want to lower your utilization rate in order to raise your overall score.
3. You recently took out a new line of credit
You might’ve seen a drop in your credit score if you’ve recently been accepted for any new lines of credit. The amount your score actually drops will depend on how large the loan is and your overall credit history, but it’s one of the most common reasons peoples’ scores go down, according to Griffin.
It may not make sense at first glance: You had a good enough score to secure a low-interest mortgage loan, so why would it suddenly drop down now that you have it? But from a creditor’s perspective, Griffin says that while you may have good credit history, they have no idea whether or not you’ll continue to make the required payments long-term.
The good news is that if your credit score has taken a dip after being approved for a new loan, once you consistently make payments over the next few months, it will likely rebound or even grow as you build a longer credit history.
One piece of common knowledge about building credit is that your score tends to take a hit whenever a “hard” credit check is run on you, usually when applying for a new line of credit or apartment. But according to Griffin, a credit inquiry alone is unlikely to have a major impact on your overall score — maybe 10 points at maximum.
“You might see your scores dip a bit initially, but inquiries are really the least important factor in credit scores and will have the least impact,” he says.
If your credit score does appear to have taken a significant hit after applying for a new line of credit, then you “have far more serious issues causing your scores to drop than that inquiry,” Griffin says.
Consider when the last time you checked your credit score was and your entire credit history before worrying too much about how much one application might affect your score.
4. You recently filed for bankruptcy
It might seem like a no-brainer, but yes, declaring both Chapter 13 and Chapter 7 bankruptcy will absolutely have a direct effect your credit scores.
“Declaring bankruptcy means your scores are going to drop a lot,” Griffin says. That’s because when you file for bankruptcy, you’re essentially telling creditors that you’re a major credit risk in exchange for wiping out debt that you’ll never be able to pay back. If you file for bankruptcy with a good credit score, you could see your credit score drop by more than 200 points.
Getting your credit score back up after filing for bankruptcy will take a lot of time and effort, but after seven years the bankruptcy will be removed from your credit report and you’ll be able to get approved for more credit-building financial products.
5. You’re looking at a different credit score than usual
The credit score you access through your bank may not be the exact same as another provider, even if you look at them on the same day. If your credit score appears to have taken a hit, you’ll want to make sure that you’re looking at the same score as usual.
The two major consumer credit scoring companies are FICO and VantageScore; while they both use the same 300 to 850 scale for generating scores, the way those scores are calculated can be different. For example, VantageScore factors in items like your “pattern of behavior” (i.e. putting in effort to pay off an existing card balance over time) while FICO scores do not. But even within one scoring system there can be discrepancies between your score, depending on which scoring model is being used.
“It’s critical that you know what score you’re looking at. Not just if it’s a FICO score, but is it the same FICO score as the one you’re used to,” Griffin says.
For instance, a typical FICO score has a score range between 300 and 850, with 850 being the best possible score. But a lender for an auto loan will often use the specific FICO Auto Score, which goes up to 900 points, so your score could appear dramatically different on that report when you’re preparing to buy a car.
6. You’ve been a victim of fraud
If none of the above applies, but your score has dropped significantly, then you may want to take a good look at your full credit report for any suspicious activity. Purchases you don’t remember making, loans taken out in your name and maxed out credit cards you never signed up for are major red flags of identity theft.
“Someone maxing out a fraudulent or stolen account could certainly affect your credit score,” Griffin says. “That’s why we always encourage people to check their credit histories regularly.”
Unlike most of the other reasons that your credit score might drop, if you’re a victim of identity theft, you will be able to remove the activity that’s hurting your score from your credit report. But it’s better to catch suspicious activity sooner rather than later in order to avoid spending hours trying to verify the legitimacy of every item on your report.
Enrolling in a free credit monitoring service like those offered by Experian and Credit Karma can help you catch and protect yourself from fraud.
More from Money:
Best Credit Repair Services – Which One Will Work In Your Best Interest
A credit repair can remove negative marks from your credit report, so you can buy a house or a car you’ve set your heart on.
With so many credit repair companies out there, how to choose the best one for you?
Because I recently needed help from a credit repair company, I talked with my friends and did countless hours of research. I’ve narrowed it down to the top five best credit repair companies, and here’s what you should know about each one.
Top 5 Best Credit Repair Companies
- Credit Saint – a highly reputable company offering an initial free consultation
- Lexington Law – offering all sorts of legal advice and support
- The Credit People – with a low-fee trial week offer
- Credit Repair – a variety of packages to help you clean up any negative score
- Credit Firm – offering a legal audit of your credit reports
Our Top Picks
1. Credit Saint
Credit Saint has an A+ rating from the Better Business Bureau. This credit repair company was founded in 2007, and since then, it has helped thousands of customers improve their credit scores.
What makes them stand out is that they offer a free consultation to talk about your credit score and identify any negative points. You’re under no obligation to pay for this service.
If you choose to continue working with Credit Saint after the consultation, they will contact the major credit bureaus on your behalf – just to remove any inaccurate information from your credit report.
Credit Saint is an aggressive credit repair service, but they’re aware that different people have different needs. That’s why they offer three service packages:
Credit Polish is their basic package and includes five challenges of negative items per cycle, free score analysis, challenge identity theft, charge-offs, challenges to 3 credit bureaus, and a credit score tracker.
Credit Remodel includes everything as the Credit Polish package, and some additional services, such as ten challenges of negative items per cycle, credit Experian monitoring, escalated information requests
and the challenges, such as bankruptcies, late payments, repossessions, and charge-offs.
The most aggressive package available: It includes everything as the previous two, plus an unlimited number of challenges of inaccurate items, cease and desist letters on your behalf, and judgment disputes.
Credit Saint bought me with their free credit consultation, hundreds of positive user reviews, and because they charge less than other companies, but offer more services.
- 90-day money-back guarantee
- Three packages at affordable rates
- Online sign-up
- Online account for tracking Credit Saint progress
- Not available in all states
2. Lexington Law
If you need legal help, Lexington Law might be the one for you, as this is a real law firm.
It was founded in 1991, so it’s the credit repair company with the most experience in the US. Lexington Law has had 10,000,000 negative items removed from their client’s credit reports in 2017 only.
This credit repair service employs lawyers and paralegals that use specific laws to protect your credit score. They do this by obtaining a copy of your credit reports and finding what’s bringing your score down.
Then, they send disputes to challenge the inaccurate items. What I liked is that they’ll give you an online dashboard, so you can track what’s happening with your credit score every step of the way.
Lexington Law will assign you your own rep, usually a paralegal. You can schedule an appointment with your rep even beyond business hours, which comes in handy if you’re very busy.
Same as other credit repair services, Lexington Law offers three credit repair packages you can choose from.
This is their most affordable package, and it includes challenging negative items from three major credit bureaus and creditors.
Concord Premier package includes everything as the standard package, as well as the removal of hard inquiries, TransUnion alerts, and score analysis.
The most expensive package Lexington Law offers includes services such as identity theft protection, personal finance tools, cease and desist letters, and FICO score tracker.
- Online customer service
- Free credit report consultation
- Online dashboard for following the progress
- No Better Business Bureau accreditation
3. The Credit People
If you’re looking to try out a service without making a commitment, then you should consider The Credit People.
You can pay $19 to try out this credit repair agency for one week. If you like it and want to continue with them for longer than a week, you can choose between two membership credit repair services:
a monthly fee or a flat-rate membership for six months.
Both credit repair services include:
- $19 fee for the first week
- Debt inquiry and validation
- Communication with creditors
- Unlimited number of credit disputes
- 6-month satisfaction guarantee
The Credit People claim to have removed about 1.5 million negative items from their customers’ credit reports. While no credit repair service can guarantee that you’ll improve your credit reports, The Credit People’s website claims that they have helped their customers’ credit reports increase between 55 and 187 points.
The reviews we checked especially praised their customer service and the fact that once you sign-up, you get a personal online account, which is accessible from any mobile device or a computer.
You’ll also receive notifications, so you’ll know right away if something changes in your credit repair account.
- FCRA certified consultants
- Toll-free customer support
- Account accessible at any time
- No financial management tools
4. Credit Repair
The appropriately named Credit Repair, since 2012, the agency has removed 1,800,000 harmful items from the client’s credit reports.
After a user signs up, Credit Repair charges them $14.99 to check their credit report to identify invalid, confusing, and misleading information on it.
Next, the Credit Repair team creates a custom credit repair plan to remove all the negative items and help your credit scores.
All legitimate credit repair companies work on the same principle, and that’s to offer their customers several packages. Credit Repair offers three packages:
This is the most affordable option. It costs $14,94 to sign-up, and there’s a monthly fee, one of the cheapest in the credit repair industry.
If you have a few negatives in your credit history, this could be the best credit repair option for you, as the package includes 15 credit challenges and 3 creditor disputes monthly.
This package includes:cease and desist letters to creditors, $25,000 worth of Identity theft protection, 24/7 credit monitoring, and six interventions to three credit reporting bureaus.
Apart from containing everything the first two packages do, this premium one also includes:
$1 million in identity theft insurance, personal finance tools, 19 negative items challenged, and a monthly FICO score.
- Free consultation
- Available online and has iOS and Android apps
- 50% discount if your friend or a family member signs up
- Lack of clarity on who are their experts
5. Credit Firm
Like most credit repair companies, Credit Firm also offers a free consultation, including a review of your credit history and a step-by-step action plan that’ll help you improve your credit score.
Credit Firm is a highly reputable company that has been around since 1997, founded by a group of attorneys.
What you may like best about them is that they offer something no other services in the credit repair industry do — a legal audit of your credit reports by a licensed attorney.
Not only will an attorney review your credit report, but also all documents the company sends to creditors for you.
While other credit repair services offer two to three credit repair packages, Credit Firm offers only one credit remodel package.
In this package, you get an unlimited number of disputes a month, which is a fantastic deal seeing how other credit repair companies often limit or raise their price as the number of disputes increases.
- Toll-free customer service available 24/7
- Highly rated by Better Business Bureau
- No upfront fee
- No debt settlement service
How Do You Pick The Right Credit Repair Company?
There are several factors you should consider when choosing credit repair companies.
1. Reviews and Complaints
Always check the reviews and complaints from sources such as:
- Better Business Bureau
- Consumer Financial Protection Bureau
- Google reviews
Pro tip: Don’t check the reviews on the direct website only, but go on third-party websites as well to make sure the reviews you’re reading are authentic.
2. Services Credit Repair Companies Offer
The majority of credit repair companies have tiered packages, which offer different services.
The most important things you should take into consideration are:
- The packages offered
- The number of disputes per month
- Monthly fee
- If there’s credit monitoring
- Identity theft insurance
- Credit repair software
- Goodwill letters asking creditors to remove negatives items sent to credit reporting agencies
3. X Day Money-Back Guarantee
The Credit Repair Organizations Act doesn’t allow credit repair companies to guarantee results.
But, the Credit Repair Organization Act doesn’t prohibit companies from usually offering a 90-day money-back guarantee if there aren’t results after a certain time period.
My two cents: legitimate companies should offer a money-back guarantee, which is why I gave these companies an advantage when choosing the one for me.
4. Cancellation Policy
Choose a company whose cancellation policy is free and available at any time.
Did you know? All credit repairing agencies are under obligation to tell the truth about their services.
You, as a customer, are entitled to a mandatory cancellation period, which is the first three days.
If you believe there’s a scam, you can contact the Consumer Financial Protection Bureau, and they can help you.
What Is the Best Credit Repair Company for You?
A credit repair company will help you recover your credit score so you can finally get that purchase you’ve been thinking about. Moreover, you can get financial guidance so that you never end up in the red.
All of these companies are legitimate, successful, and can help you get a better credit report, but my recommendation is Credit Saint. It’s trustworthy, it has great customer reviews, and most importantly, it has three packages suited to everyone’s needs.
Plan for a better future, and contact a credit repair company that best fits your needs today. And don’t forget to share your experience in the comments below.
Sky Blue Credit Repair Review (2021): 🔎 Fees/Service/Results Analyzed
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Looking for the best way to improve your credit? The process can seem overwhelming and full of headache, with a lot of time wasted and little progress made.
Luckily however, there are legitimate options that can raise your credit without much work. A number of people are turning to them now, more than ever.
With the effects of COVID-19, more people are looking to increase their credit scores to secure better credit and loan rates. This is so much the case that the credit repair industry is expected to boom by 2025. At the same time, BEA findings suggest consumers are becoming more thoughtful about how they spend their money, likely because they have either already lost, or are worried about losing, their jobs.
Essentially, we want more bang for our buck.
Unfortunately, the increase in demand for credit repair services will also bring an increased amount of fraudulent cases — so how can you recognize the frauds?
Sky Blue Credit Repair is a leading credit repair company, with a strong track record of helping customers get fantastic results.
In this review, we’ll go through what exactly Sky Blue Credit Repair can do for you. We’ll also highlight all the pros and cons, and outline how much you’ll have to pay for the service. ⏬
Sky Blue Credit Repair is a leading credit repair company. The customer service team is consistently raved about in reviews. The firm offers a clear pricing structure, and legitimately offers the best value in the credit repair industry.
- Fees: $79 per month
- Highlight: A simple, transparent structure with high value
- Best for: Those looking for a customized service
- Fees: 9/10
- Communication: 9/10
- Dispute Process: 9/10
- Customer Service: 9.5/10
- Credibility & Trust: 10/10
- Overall: 9/10
What is Sky Blue Credit Repair? 🔵
Based in Boca Raton, Florida, Sky Blue has been around since 1989 offering customers a credit repair service. Sky Blue Credit Repair is known to be one of the leading credit repair companies, with very few competitors able to come close to its offer. Customers across 50 states, looking to repair, build, or develop their credit reports can benefit from Sky Blue Credit Repair.
Sky Blue Overview & Summary
Sky Blue Credit Repair is defined by several key points, which we’ve rounded up to the top six:
- Sky Blue helps clients to raise their credit score by analyzing their report and correcting any inaccuracies or incorrect information that may be on it.
- According to Sky Blue Credit Repair, you can start the process of repairing your credit for an initial fee of $79, and then $79 per month. Couples can get a discount price of $119.
- Sky Blue Credit negotiates with your lenders or disputes up to 15 items on your report per month.
- Customers can expect a knowledgeable customer service team, and a 90-day guarantee, something that is unique in the industry.
- As the effects of the pandemic continue, customers should know how to recognize potential scams.
- There are some key questions you should ask yourself before hiring a Sky Blue Credit Repair, like what is your budget, and if you’ll likely need additional services.
How Can Sky Blue Credit Repair Help? 🆘
Sky Blue Credit Repair helps clients raise their credit score by correcting any inaccuracies or incorrect information that may be on their credit report. If any exist, raising your credit score will be almost impossible, even if you’re doing your damn best to be the ideal consumer.
Sky Blue will request copies of your credit report from three major credit bureaus including, TransUnion, Equifax, and Experian. The company will then go through every word in every sentence to ensure the report doesn’t include anything that can’t be confirmed or verified.
Should anything of the sort exist, Sky Blue will work with you to communicate the discrepancies to the relevant authorities. In it, the letters will highlight particular information that needs to be removed from the report.
What are the Pros & Cons of Sky Blue Credit Repair? 📜
We’ve created a list of the best and worst of Sky Blue Credit Repair:
- Knowledgeable and professional customer service
- Incredible value when compared to the competition
- Track record of getting results
- Fast processes
- Handles the work for you
- Individual, personalised communications
- No upselling
- It’s always possible to pursue DIY credit repair instead of paying a company to do it for you – but if you have bad credit and want to pay for credit repair, there’s little downside with Sky Blue
What Are Sky Blue’s Fees? 💳
So, how much does Sky Blue Credit Repair cost? And is it worth it to get better rates on your debt consolidation loan.
According to Sky Blue Credit Repair, you can start the process of repairing your credit for an initial fee of $79, and then $79 per month. Couples can get a discount price of $119.
Importantly, there’s no upselling or hidden fees with Sky Blue. This factor sets them apart from the competition.
Sky Blue also doesn’t charge any extra fees for credit reports or monitoring. Before, customers were charged a fee of $39.95 per credit report they pulled from each of the three-bureaus, or a monitoring service fee of $14.95.
💡 Keep in mind: You will more than likely need several report pulls throughout a credit repair process, if only to observe any potential changes in your FICO score.
How Does Sky Blue Credit Repair Work? 🔍
To start the process with Sky Blue Credit, fill out the enrollment form on the Sky Blue website. To register you will need to fill in the following information:
- Your name
- Street address
- Phone number
- Email address
First off, an agent will speak to you to determine what areas you want to focus on in your credit report. Then it will get your credit reports and begin a line-by-line review. The company has the experience to notice even the smallest discrepancies that could be affecting your credit.
Sky Blue credit uses the information from its review to devise an action plan that will hopefully result in an increased credit score. The company also offers some ways you can start seamlessly rebuilding your credit with software.
How Sky Blue’s Credit Repair Works 🤔
Sky Blue Credit negotiates with your lenders or disputes up to 15 items on your report per month. The company utilizes its legal tools to argue for the removal of the items. Each month, the company will begin the process for the removal or correction of information in your report until you are satisfied that your credit report is at a fair standard.
Sky Blue also offers a 35-day dispute cycle.
In addition, Sky Blue will send you tips on how to monitor your credit, to raise your credit score yourself, including ways you can begin raising it naturally.
✅ Interested in credit monitoring? Get started with the top credit monitoring services.
Where Sky Blue Credit Repair Shines ⭐
Now that we’ve gone through the major aspects of Sky Blue Credit Repair, we’re going to go through what makes Sky Blue really stand out.
1. Responsive Customer Service ☎️
“Let me just say how awesome your customer service department is. They handled everything, answered all of my questions and got me pointed in the right direction. Your credit repair company is the gold standard!” – R.H.
“Thanks again for helping me repair my credit. Everything has been amazing and I’m really looking forward to seeing more results.” – H.J.
The sky blue customer service team is both knowledgeable and responsible. Quite impressively, the firm holds an A+ rating with the Better Business Bureau (BBB).
The BBB offers opinions on how a company will most likely interact with its customers. The company takes and uses information from business and public data sources to assign a rating from A+ (highest) to F (lowest).
Many reviewers have reported the company as being up-front when it believes the customers credit report wouldn’t benefit from a professional look.
With these cases, Sky Blue recommends additional steps the customer could take to improve or alleviate the current credit concerns they have (free of charge).
Finding a company that helps people, regardless of profit, is a rarity.
Lastly, one other thing on this topic that caught our eye: Sky Blue is known to call customers to let them know they will no longer need to pay, because it has finished its work.
2. 90-Day Guarantee 📅
Sky Blue Credit Repair’s 90 day money back guarantee will come as a welcome relief to those who are weary about handing over cash to companies at the moment. Especially, when the industry is expected to boom by 2025, which will no doubt increase credit repair fraud.
If anything, this guarantee only proves the company’s reputability. Offering a money-back guarantee in this industry certainly isn’t the easiest thing to do. And for good reason: Credit repair is so individual and personal for person to person.
Essentially, for a company to have the guts to offer this to new customers, it must be confident that it can deal with the most complex credit issues. Sky Blue’s record confirms why it has this confidence. And, 90 days is a more than generous length of time.
Honestly, the 90-day guarantee says a lot. It essentially says that if Sky Blue doesn’t produce results for you, then you don’t need credit repair in the first place.
However, their initial consultation will be enough to know whether or not they can help. If they can’t — they’ll tell you up front, as they don’t want to work for 90 days without any results.
Wondering how much of a refund you actually get within that time period? The company doesn’t just refund the initial set up fee, it refunds all payments made.
😌 Peace of mind: With Sky Blue Credit Repair’s 90-day guarantee, unsatisfied customers will get a refund of all payments made, including the initial set-up fee.
We’re recommending Sky Blue because it’s a beacon of a company in an industry filled with pitfalls.
Sky Blue is a reputable company in the midst of an industry with pitfalls. However, should you have any doubt or concerns, it might bring you comfort to know that you will get a full refund if you’re unsatisfied. This is something that Sky Blue’s competitor’s do not offer.
Now, let’s get onto something a bit less exciting.
3. Sky Blue Does the Hard Work for You 💪
A Sky Blue representative will go through and identify any items that should be removed from your credit report. This is the most time consuming part of the process.
Typically, companies will require that you do this complicated work yourself. Sky Blue however, looks after it for you.
The company is also renowned for identifying smaller, more subtle inconsistencies that may otherwise go unnoticed.
4. Disputes Handled Internally 🤐
Sky Blue disputes with the credit bureaus without any need for your intervention. While it is technically possible to dispute inquiries yourself, it is a difficult and time consuming process. Sky Blue looks after the disputes for you, and will make sure to include your contact information along every step of the way.
This means that you will receive responses from the credit bureaus directly, for no additional fee. This is far more efficient than waiting on a representative to forward notices on to you.
5. Sky Blue’s Processes Are Fast 💨
There’s no denying it; Sky Blue works at a strong pace. The company disputes up to 15 inquiries per month. That’s nothing to be sneered at!
This is one of the quickest credit repair processes out there. That said, it finds the right balance of communication with the bureaus because too much can have the opposite effect desired and could potentially put you back a few steps.
6. Assistance & Education 🏫
Sky Blue helps customers find ways to improve their reports and give their credit scores a boost. Generally, lenders are looking for specific items on your credit report, including missed payments and delinquencies. Sky Blue will assist you to find these issues, and then they’ll get to work on eliminating them.
While, of course, the content in your credit report should not be overlooked, most financial institutions look at your score, and that’s it. Sky Blue will give you the right advice so that you can take immediate action.
7. Additional Services ⚙️
Sky Blue Credit Repair offers additional services that come as part of the package (at no additional charge. These include:
On top of credit repair services, Sky Blue Credit Repair offers:
- Goodwill letters
- Debt validation
- Cease and desist letters
8. Customized Disputes ✉️
In a lot of cases, companies send what’s known as “form mail”. This means that every letter sent to the bureau is the same, templated, message, with no differentiating factor from customer to customer.
All correspondence sent by Sky Blue to the 3 bureaus is customized and individual from client to client.
An Alternative to Sky Blue Credit Repair
We’ve gone through the best of Sky Blue Credit Repair. But maybe the firm isn’t what you’re looking for. Read below to see if this applies to you and your unique situation.
It Might Feel a Little Unnecessary
If you have a less than ideal credit score, there are things you can do to help yourself, free of charge. Money’s tight right now, so why should we spend it on something we could potentially do ourselves?
With more companies on the edge of bankruptcy, we should also be aware that getting lenders to front up the cash for loans could become increasingly more difficult. This could make having a good credit score more important than ever.
However, some customers might prefer to put in the work and time themselves, especially those of us being more cautious of where our money goes.
Yet if you don’t have the time — or the expertise — but need to improve your credit score, we firmly believe you won’t go wrong with Sky Blue.
How to Notice & Avoid a Credit Repair Scam 🧐
Those of us who do choose to go with credit repair companies should be aware of those too-good-to-be-true advertisements. We’ve all seen them – the ones that promise us a “new credit identity” i.e. a fresh beginning for our credit history. It makes us really wonder (and dream) about whether this will catapult us to great rates. Reality is: it’s a scam.
🔔 Did you know? Consumer complaints to the CFPB have seen dramatic increases in the midst of the COVID-19 pandemic. In March, the CFPX received 29.494 complaints about different types of alleged consumer mistreatment – this number hit a record breaking high of 37.926 by June.
With the credit repair industry expected to boom as a result of COVID-19, fraudulant credit repair cases seem to be already on the rise. In the past few months, complaints to the CFPB have drastically increased month on month.
In March, the CFPB was inundated with 29,494 complaints around varying alleged consumer mistreatment – this number climbed to a staggering 37,926 by June.
Keep in mind, these too-good-to-be-true companies usually are. A lot of the time, they sell Social Security numbers illegally. If you were to go ahead and use a number that wasn’t yours, you could end up with some hefty fines, or even locked up – it’s that serious.
Signs of a Credit Repair Scam 💳⚠️
Scams catch out so many people for a reason, they’re usually well-thought out, and quite deceiving. But what exactly are the signs of a scam? To help you stay on your toes, here are some ways you can recognize a potential credit repair scam:
A Credit Repair Company Should Not
- Insist on being paid before any work is completed
- Advise you not to contact the credit reporting companies yourself
- Advise you to dispute information on your credit report – even when you’re sure it’s correct
- Advise you to submit false information when applying for credit or a loan
- Be unclear about your legal rights when explaining what they will do for you
What Are Your Credit Rights? ⛔
The Credit Repair Organization Act (CROA) is your best friend in this case. This Act states that it is illegal for credit repair companies to lie about what they can do for your situation, and to charge for work before it’s completed the service/s.
This is enforced by the Federal Trade Commission, and requires credit repair companies to be clear about the following:
- Give you a written contract that clearly explains your legal rights and details what services the company will complete
- Outline your right to cancel the service within three days, without a fee
- Tell you when you should expect to see results
- Highlight all fees involved, including the overall cost
- State what exactly is guaranteed
- Have an easy cancellation policy in place
What can you do if a credit repair company you’ve hired doesn’t do what it said it would? Here are some options to consider:
- Sue the company in the Federal court to retrieve any fees you paid, or for any losses incurred, whichever is more.
- Seek punitive damages – money the company has to pay for violating the law
- Join others in a class action lawsuit against the company. If you win the company is required to pay your attorney fees.
Reporting Credit Repair Fraud
There are two ways to report a credit repair scam:
- State Attorney General
- Federal Trade Commission
State Attorney General ✅
In a lot of states, there are laws governing credit repair companies. If you are unhappy with the service you’ve been given, report it to your state Attorney General (AG) or your local consumer affairs office.
Federal Trade Commission ✅
You also have the option of filing a complaint with the Federal Trade Commission. The FTC can’t resolve any credit disputes for you, but it can take action against the company if it has a pattern of violating the law.
Complaints can be filed on the FTC website directly or call 1-877-FTC-HELP.
Is Sky Blue Legitimate? 👍
Now that you know what to look out for to avoid a scam, the question remains, is Sky Blue a trustworthy company and should you use them?
Sky Blue ticks all the boxes of a reputable company. It’s credible, it has a track record of positive results, and its pricing structure is clear.
The company really sets itself apart in the following 2 ways that we highlighted earlier:
1 . Professional and knowledgeable customer service
2. 90-day guarantee
As we mentioned, finding a company that offers a 90 guarantee is rare in this industry. Customers of Sky Blue consistently describe the customer service team as: Professional, knowledgeable, friendly, and prompt.
But surely, not everyone needs to use a credit repair company? Right. Here’s a breakdown of who should consider using Sky Blue Credit Repair
Who Should Use Sky Blue? 🤵
To know if you should go ahead and hire Sky Blue Credit, ask yourself the following questions:
- What is my budget?
- Will I need additional services, like identity theft or credit report monitoring?
- Do I prioritize getting individual service or having a bigger company to look after my account?
- What do I hope to achieve by using this service?
Is Sky Blue Worth It? 🤷
BEA estimates show that we have less credit card debt and are taking a more cautious approach towards spending. In other words, we are spending less.
Okay look, here are the facts: Credit card debt has decreased during COVID-19. So, you may not need a credit repair company.
In June, the Bureau of Economic Analysis (BEA) released estimates that disposable personal income decreased $911.1 billion (4.9%) and personal income decreased $874.2 billion (4.2%) in May. In other words, credit card debt is down because when you spend less, you spend less.
At the same time, the BEA found that the U.S personal savings rate was almost two times more in May (23.2%) than in March (12.6). This suggests that many consumers are being more cautious with their money. If this is you, it’s important to make the best decision for you, and your money.
If this is true, you should be on top of all the facts before you invest your money into a credit repair service. Is it really worth it?
Here are some things to keep in mind when weighing the options of using a credit card repair company versus not using one.
Do You Have Room for Improvement? 🚀
If you have bad credit, or multiple issues on your credit report then there is a better chance of raising your FICO score, since more things need to be corrected. If you don’t take action to improve your FICO score, you could be stuck with a bad credit loan should you need to borrow funds.
You also need to think about what expectations you have and how much of an improvement you’re looking for. Look at your credit report and see if there is room for improvement.
It Can Cost Time and Money ⏱️💵
Credit repair companies can only dispute items a few times a month before they are reprimanded by a credit bureau, so if you have a good few items you want corrected, it can take some time, which will cost you.
On the other hand, if you only need to remove a few items then it should be a pretty quick process, which would cost less.
There is No Guarantee Your Credit Will Improve 🙅♂️
Any improvements made to your credit will be determined by the credit bureaus, not Sky Blue Credit Repair. For this reason, there is always the possibility that the requested changes will not be approved. Before you go into the process, it’s important to understand that your money might not result in a whole lot of change.
With this in mind, it might be good to try to read and understand your credit report yourself so you have a good idea of what it entails before making your decision.
How Much Will Sky Blue Help My Credit? ☝️
While the company won’t be able to raise your credit without your help, it is a legitimate company with a strong track record of results.
Once you meet with a Sky Blue Credit Repair representative, they will go through the entire process and how long it should take, your rights, along with what they can do for you. Everything will be explained very clearly before any work begins.
Is Sky Blue Credit Right for You? 🥇
Sky Blue is renowned for going above and beyond for its customers. It even offers advice to people, free of charge. The credit repair process is quick, affordable, and customers can expect to be communicated with by the credit bureaus directly.
Although we have highlighted the company’s website as being basic, it is something that could be easily fixed, and does not directly impact the service offered.
With more potential fraudulent activity expected in the industry, customers should know how to recognize a scam, and choose a known and trusted credit repair company. Sky Blue could easily be the best in America.
Sky Blue Credit Repair FAQs
How Does Sky Blue Credit Repair Actually Work?
Sky Blue works by disputing negative marks on clients credit reports with three leading credit bureaus. The credit bureaus communicate directly with you so you don’t need to wait on Sky Blue to forward on any messages. This is a good way of helping those with bad or fair credit get better rates for personal loans.
How Can I Get Started?
To get started, go to the Sky Blue Credit Repair website and fill out the form. This will only take a few minutes.
When you sign up, you’ll get an email with instructions on how to get them your credit reports. Once you receive the reports, the process will start.
How Long Does It Take to See Results From Sky Blue Repair Credit?
This will depend on several factors, including the number of accounts on your credit report that need to be disputed. How quickly the bureaus respond will play a part, too. In comparison to others though, Sky Blue Credit Repair have quite a quick process.
Do They Offer a Guarantee?
Yes, Sky Blue Credit Repair offers a 90-day money-back guarantee. If you are not happy with the service, you will get a full refund.
A specific outcome can never be predicted or promised. However, Sky Blue has a record of doing all it can to maximize the possibility of outstanding results.
Which Items Will Sky Blue Remove From My Credit Report?
Understanding what Sky Blue potentially can and cannot remove from your credit report is important.
Any debt or legitimate inquiries owed should not be disputed. However, it is required that companies give evidence of the debt owed, or authorised an inquiry. If a company can’t do this, you might be able to get it removed.
Will Deleted Items Reappear on My Credit Report?
On a rare occasion, a negative item might reappear on your credit report. The Fair Credit Reporting Act requires credit bureaus to let you know before a previously deleted listing is re-reported.
They also have a window of only 5 days to re-reported a previously deleted item. After this time it is a FCRA violation, which makes it hard for bureaus to re-report items.
Which is Better: Sky Blue or Lexington Law?
Lexington Law and Sky Blue are both great options for helping people to improve their credit score. This will ultimately lead to greater financial access — including access to loans from the leading debt consolidation lenders for example. Do some more research to figure out which is the best option for your personal needs.
Sky Blue Credit Repair offers a lower monthly price, and excellent service. It also offers a couples discount. Lexington Law has also recently experienced some legal drama, whereas Sky Blue has not.
The Sky Blue customer service team is also the best in the industry. Customers consistently rave about the professional and knowledgeable team. If you’re looking for the best value offered in the credit repair space, we recommend Sky Blue.
How Can I Raise My Credit Score in 30 Days?
You can seriously ramp up your credit score in 30 days by doing the following:
- Get your credit report.
- Go through your report line by line and identify any incorrect information
- Dispute this with the leading credit bureaus.
- Pay your credit card balances or consolidate your debt through a leading debt consolidation lender.
- Contact the collection agencies.
- If the collection agency does not remove the account, do not pay it.
- Contact the creditors to eliminate late payments.
- Dispute the inquiries.
- Become an authorized user.
Does Sky Blue Remove Charge Offs?
Sky Blue Credit Repair can remove the charge off if it is the account is past the reporting period.
Does Sky Blue Hurt Your Credit?
The suggestions and disputes recommended by Sky Blue will result in a better credit report and could improve your credit score. Depending on how many items you need assessed, it could take some time. Sky Blue Credit Repair is known to do it within a few weeks to months.
Should I Dispute a Charge Off?
If there are any inaccuracies about the reporting, you could dispute it with your creditor or ask the bureaus to investigate. Paying a balance will help your credit improve in the long.
All reviews, research, news and assessments of any kind on The Tokenist are compiled using a strict editorial review process by our editorial team. Neither our writers nor our editors receive direct compensation of any kind to publish information on tokenist.com. Our company, Tokenist Media LLC, is community supported and may receive a small commission when you purchase products or services through links on our website. Click here for a full list of our partners and an in-depth explanation on how we get paid.
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