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Credit Repair Companies

Credit Repair Companies Highly Recommended by Experts

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Credit repair companies can improve your credit score, especially if your damaged credit history feels like too much to tackle alone. These companies will review your credit reports and work to remove negative information.  This may include negotiating with your creditors, as well as, disputing inaccuracies with the credit bureaus.  As the negative marks disappear, your credit scores will improve.

Credit repair companies typically charge a fee to improve your credit score.  According to research, most companies charge first work fee, ranging from $21 to $149. After that, you can expect to pay $21 to $149 per month. It may take up to six months or longer to improve your credit score, depending on your situation.

Knowing where to get help when your credit scores have taken a dive, either from financial missteps or plain old neglect, is very important. We’ve picked some of the best credit companies on the market right now to explore below:

 CMJ Credit Repair Services, LLC

Many who have joined this company’s credit repair program enjoy a more personalized  experience indicative of family owned businesses, yet receive the service and professionalism expected of a large corporation.  This Tampa, Florida based company is hands-on with clients and offers a $297 Initial Fee for Credit Audit, Analysis and Document Processing and charges $197 a month for disputing to three bureaus.

For more information contact [email protected].

Credit Boosters USA

This New York state based credit repair company was started by an immigrant to help individuals, families and businesses achieve their maximum possible credit scores.  Using the law to correct credit report errors coupled with credit consulting, Credit Boosters achieves desired results for clients.  Credit Boosters mission is to helping as many people boost their credit scores as possible.  Owner, JR Jimenez, is the author of the upcoming book, “The Book on Boosting Credit: An Insider’s Guide to A High Credit Score.”  Credit Boosters charges $149 for a credit analysis and $99 monthly. The first 100 readers to mention this article will receive a waiver of Credit Boosters’  credit analysis fee and a reduction of their monthly fee to $1.oo for the first month of service.

For more information: www.creditboostersusa.com 

Credit Boss Financial Services

This credit repair company knows the overwhelming feelings and frustrations of living with bad credit. Credit Boss has succeeded helping thousands repair, build and understand how to leverage credit to live the life they deserve. If you’re looking for a company to listen to your credit challenges and financial needs, and fight to turn your bad credit into excellent credit, call Credit Boss. First work fee is $189. For more information contact [email protected]

Credit Leap Gurus

This Las Vegas, Nevada based credit repair company offers client’s expertise, efficiency, and transparency in the credit repair process.  Credit Leap Gurus offer’s a money back guarantee.  Low first work fee of $149. For more information visit www.creditleapgurus.com.

Credit SMARTS      

Credit SMARTS is home of the $1 Veteran enrollment.  This Veteran-founded credit repair agency was started to help fellow Veterans improve their credit scores.  Credit SMARTS’ owner knew from personal experience the negative impact of credit, and recognized the need to become an credit education expert to better serve the Phoenix, Arizona veteran and civilian communities.  Credit SMARTS provides clients a list of steps, that when followed, gives clients the upper hand. First work fee is $99 for civilians and $1 for veterans. For more information visit www.sosmartcredit.com.

Credit Up 24-7          

Realizes each client has different needs and offers free one-on-one consultations with their experienced credit advisors. Credit Up provides excellent customer service with quick responses to our client’s questions, personalized plans for each client and free credit monitoring with service.  This Ontario, California based credit repair company introduces clients to second chance creditors to aid with rebuilding credit so clients can restore their purchasing power and qualify for financing with low interest rates. First work fee is $199. For more information: www.creditup247.com.

Dreams2Reality Credit Repair       

This Fort Worth, Texes based credit repair company’s mission is to educate the young and old about the importance of credit and how it works. Dreams2Reality Credit Repair teaches clients that with financial literacy skills and a budget, their dreams can become reality.  The credit repair company factually disputes negative items on credit reports, and educates clients how to build positive credit. First work fee is $149 and $89 per month.  For more info visit: www.dreams2reality.info        

Elevation Credit LLC          

Founder, Arneedia, learned the importance of credit from her grandmother. In Arneedia’s early 20’s, she was unable to qualify for a car loan.  It was her grandmother’s “nearly perfect” credit that helped Arneedia drive off the auto lot with no down payment and a loan with a low interest rate.  Arneedia’s goal with her Miami, Florida based credit repair company is to educate others on the power of credit, like her grandmother did for her.  First work fee is $149.    For more information visit www.elevationcreditllc.com.

FICOfinesse  

Founded 4 years ago, FICOfinesse is one of Brooklyn’s most rapidly growing credit restoration companies.  FICOfinesses’ Executive Director, Hannibal Collins, is on a fervent mission to teach Financial Literacy to the community. He has taught at churches, schools, on Business panels, at women’s empowerment events and more.

Collins’ passionate enthusiasm results in an amazing culture enjoyed by employees and clients.   This credit repair organization has helped customers qualify for home and vehicle lows with low interest rates, start LLC’s, purchase investment properties, earn credit card rewards and triple their credit card limits.  First work fee is a low $21.

For more information visit [email protected].

Fit & Fancy Finances           

Founded in 2014, this full service business development boutique located in Houston, Texas, goes beyond fixing credit.  Their diverse team of advisors offers notary public and signing agent assistance services in all 50 states and assistance with small business business start up and operation. Consider Fit & Fancy Finances a one stop shop for all your business and financial needs.  Plans start at  $149 and include a full credit audit, financial coaching, credit monitoring and a detailed report of your credit history.   For More Information: [email protected]

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Credit Repair Companies

How to Get Help with My Credit?

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A low credit score does not only make loans costly or inaccessible. It may affect your employment, and even prevent you from renting the best apartment. As an indicator of creditworthiness, it is checked by lenders, insurers, employers, and landlords. If the total is far from perfect, there are several ways to fix it. The best repair companies will do it on your behalf. 

Why Scores Go Down

In the US, the most popular scoring systems are FICO and VantageScore. They use a similar combination of factors to assess data on credit reports. Three major bureaus — TransUnion, Equifax, and Experian — document your payments and all events related to borrowing. For example, the three most important elements for FICO are:

From this, you can deduce the conditions for the best scores. You need to have an impeccable record without missed or late payments, and the total amount of debt should be as low as possible. The longer your history — the better. You may also raise the score by using more credit products (credit mix accounts for 10%) and opening new accounts (10%).

Do You Need Repair? 

This term refers to the correction of official records. Today, affordable credit repair services help you clean the reports fast. These measures are not always necessary. The accuracy of the records determines whether you need repair. You may need to rebuild your history, not fix it. For example, you will see the credit score go up after paying debt

Every year, you may request a copy of your reports. There is no need to contact the agencies individually. Until April 20, 2022, www.annualcreditreport.com allows you to get them for free once a week.

If the documents are accurate, there is nothing to fix. However, you may still raise the score by rebuilding your credit history. There are several ways to do this, such as:

  1. Increasing limits on credit cards or paying off the balances (this lowers the credit utilization ratio);
  2. Getting a new credit card (to bring down the same indicator);
  3. Taking out new loans and paying back diligently;
  4. Adding more data to your reports through Experian Boost, and more. 

How Repair Works

Mistakes on official reports are not uncommon. You may find errors in spelling or completely false entries, such as judgments, evictions, or bankruptcies. These derogatories will tarnish your records for a long time. Most negative entries affect the score for 7 years, and some bankruptcies influence it for a decade, depending on the chapter.

Every consumer has a right to dispute such errors on their own. This is a challenging and lengthy process. Not only should you navigate consumer credit laws. It is necessary to liaise with bureaus, lenders, and collectors. Communication involves formal letters of specific formats. If you lack the expertise, a credit repair company is your best bet.

Professional Services

Overview of Professional Services

These providers have teams of weathered experts. They will collect your data, identify the most damaging mistakes and have them removed. This process involves four key stages and takes several months on average. The company will:

  • collect your reports from all major bureaus;
  • scrutinize the documents to identify inaccuracies;
  • develop a strategy to fix the score as quickly as possible;
  • collect evidence to prove that the items are false;
  • send formal dispute letters to credit bureaus to have the mistakes deleted. 

Most providers offer different tiers of services. The cheapest packages include five disputes per billing cycle on average. The core services are analysis and disputes. In addition, you may access score monitoring tools, personal budgeting apps, identity theft protection, and other extras.

On average, repair takes between 2 and 6 months. This depends on the number of mistakes you want to eradicate. The more derogatories — the longer you (or your hired experts) need to collect the evidence and initiate the disputes.

How to Find a Reliable Provider

In the United States, credit repair is a big industry. Dozens of companies offer to raise your total quickly, but choosing the right one is tricky. Pay attention to the following:

  • reputation and BBB rating;
  • range of services;
  • pricing;
  • support;
  • money-back guarantee.

Your provider may or may not be accredited with the Better Business Bureau. Still, this platform offers crucial insights (e.g., the number of complaints in the past 3 years and any pending lawsuits). Feedback is also available on sites like www.consumeraffairs.com and TrustPilot. In addition, check expert reviews from reputable sources like Investopedia. 

In terms of pricing, learn about the ‘first work fee’, or ‘setup fee’. It is paid upfront. Subsequently, the company will charge you every month as long as you need its services. On average, you may pay between $79 and $129 per cycle.

Pay close attention to the refund policy. Some companies will not return your money even if they fail to delete a single item from the records. At the same time, there are unconditional policies. These allow you to get a refund for any reason within the first 90 days.

You need convenient access to progress tracking. Most providers allow you to check the status of your case on their web portal. The biggest companies have proprietary apps. You may reach their office by phone on any weekday, and support is also available during shorter weekend hours. 

Final Words

If you need help with repair, choose trusted providers in your area. Check their reputation, legal status, and feedback from customers. Beware of scammers. With professional assistance, you may see the first results in just over a month.  









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Credit Repair Companies

La Reyna Del Credito Helping People Defeat the Financial System by Improving Their Credit Scores

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La Reyna Del Credito Helping People Defeat the Financial System by Improving Their Credit Scores

Financial freedom is somewhat an alien word where Ivonne Arvizu comes from, and she made a solemn promise to make it happen for herself and as many others as possible. With a work rate that has cut across different clients with varying professions such as medicine, entertainment, business, legal, real estate, financial professionals, police officers, and thousands of other people who needed credit report at one time or the other, Ivonne Arvizu has created a strong impression about La Reyna Del Credito. Ivonne acquired her credit repair knowledge a long time before she established her credit repair company, and she started helping people fix their credit while she worked at a bank. The bank was against her offering such services due to a conflict of interest. Ivonne, not willing to let herself get tied down in some banking bureaucracy she didn’t agree with, resigned from the bank and made her company into a full-fledged, official credit repair business.

Ivonne Arvizu has always been about excellence and flying the flag high all her life. Despite coming from a humble background and a poor family that never fulfilled the American dream, Ivonne set out to make a difference. She became a homeowner at the age of 20 and has dedicated more than 18 years of her life helping the Latino community elevate its financial status. Ivonne has been featured in Spanish programs on television networks like Telemundo, Univision, Radio Nueva Vida, Radio Inspiracion, and other broadcast services educating the public about financial freedom. Through La Reyna Del Credito, Ivonne is changing lives and shaking things up in the financial world.

La Reyna Del Credito was established on the premise of “Life happens, and anyone can get into a bad credit situation.” In Ivonne’s words, “Nobody ever hopes to have bad credit. It just happens, and it does not discriminate. There are so many variables that cause people to have bad credit and fortunately for them, ‘La Reyna del Credito’ exists.” Beyond fixing bad credit scores, La Reyna Del Credito helps people get their mortgage credit within days so they can buy their dream homes without stress. The company established a FICO program that ensures this guarantee, and it has boosted La Reyna Del Credito’s credibility in the Latino community.

La Reyna Del Credito has proven to be a game-changer for the Latino community and has pushed its members to focus on becoming more financially stable in their retirement age.  With more than 1,087 real estate deals closed in 2018 alone and a money-back guarantee on all credit fixes if the company does not deliver the score, La Reyna Del Credito has given people more confidence in its services as it continues to deliver excellent results. The bulk of the company’s clients are Spanish-speaking Latinos who migrated to the United States without knowledge of how credit scores work, and they need guidance. Ivonne Arvizu has built something outstanding, and she’s willing to see it through till she has fixed the finances of hundreds of thousands of people.

Learn more about La Reyna Del Credito on the company’s official website.

Media Contact
Company Name: La Reyna Del Credito
Contact Person: Ivonne Arvizu
Email: Send Email
Phone: (213) 434-9873
Country: United States
Website: http://www.lareynadelcredito.com

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Improve Your Credit Score with a Credit Repair Company

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Securing a loan for your home or business investment can turn out to be quite overwhelming for individuals and businesses out there. People with poor credit scores often struggle with their loan applications, as it gets a bit challenging to have your loan application approved at a low interest. In fact, a credit score happens to be the first thing a bank or a financial institution is likely to notice when reviewing your loan application.

Sometimes, simple things such as late payments and irregular bill payments can lower your credit score significantly. Even if you manage to find a private lender who’s willing to approve your loan application, there is a good chance they will charge you a high interest for the loan.

Why Do I Need to Hire a Credit Repair Company?

It isn’t always your utility bills or debt payments that lower your credit rankings, but sometimes, you might end up with a bad credit score because of a small error on your credit report. Regardless of the complexity of the issue you are facing, you can’t deal with the problem on your own. It is important that you seek help from a credit repair company to look into the matter and fix the issue quickly. As the name suggests, the credit repair company is in charge of fixing the errors in your credit report and removing the items that might be lowering your credit score. This includes charge-offs, late payments, liens, debt collections, and so on.

With a large number of credit repairing companies claiming to offer high-quality and cost-effective services, the decision of choosing the most reliable company could be a little overwhelming. Each company offers a set of unique services that are designed to improve your credit score in different ways. You might have to apply for a loan to finance emergency health requirements, your dream home, a startup, business capital, child’s education, and other requirements. Here are a few other reasons why you must hire a credit repair company:

·      Fix Inaccuracies on Your Credit Reports

Research shows that more than half the population of the United States report inaccuracies and unnecessary errors in their credit reports every year. These errors occur due to the miscalculation is wrong information. As mentioned earlier, it isn’t always your debts and late payments that affect your credit rankings.

Sometimes, small errors in the report could have a profound impact on your credit score. It is, therefore, important for businesses and individuals to get their credit reports reviewed once in a while. Only a credit repair company has the expertise and skills it requires for reviewing the credit reports thoroughly and fixing the errors. The sooner you get these errors fixed, the faster you will be able to apply for a home loan.

·      Job Opportunities

Many reputable companies ask applicants to attach a copy of their credit reports with the job application so that they know their staff is trustworthy. A good credit score increases your chances of getting hired by a reputable company.

·      Insurance Policies

You can’t secure the best and low-priced insurance policy with a bad credit score. It’s important to work on your credit score to get the best deals on insurance policies. That’s because a majority of insurance providers offer insurance plans based on your credit reports. A reliable credit repair company will help fix your credit score, saving you a significant amount of money on an insurance policy.

Best Credit Repair Companies

There is no denying that good credit repair companies can help improve your credit reports by erasing the negative items and fixing the inaccuracies. Here are a few popular credit repair companies you can count on for premium services.

·      Credit Saint: With more than 10 years of experience in this industry, Credit Saint tops our list of the best credit repair company. The Better Business Bureau has rated it A+ for the variety of services it offers. The company has undoubtedly improved the credit rating of a large number of customers successfully over the past few years. It reviews your FICO credit score, evaluates the negative items, and fixes the damaged credit score.

·      Sky Blue Credit: If the price and quality of the services are your main concerns, Sky Blue Credit is your best bet. The company has kept a fixed price, which is $79 a month, for an extensive range of credit repair services.

·      The Credit Pros: With over 200,000 customers based across different parts of the world, The Credit Pros is a 12-year old company that has received an A+ rating from the Better Business Bureau. You can enroll in its monthly plan that costs a flat fee of $49 or choose the prosperity package – whatever fits your preference and budget.

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