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Services to Fix Your Credit Score Fast



2. Experian Boost – Most Reputable Credit Repair Program


Free of charge!

● FICO scores included

● Guaranteed rates

● Instant score improvement


● Checking account access required

Experian is one of three national credit bureaus (including TransUnion and Equifax) that calculates a credit score for you based on your credit report with them.

Knowing how important a high score is, Experian launched a 100 percent free service known as Experian Boost to help “boost” your score for good spending habits. This includes regular payments into investment or savings accounts, paying bills on time, and so on.

What’s more, the service promises there’s absolutely no risk to your current Experian credit score. Plus, it’s free!

We recommend Experian Boost for people with just below “good” or “excellent” scoring categories, since even a little boost could make you eligible for a whole range of different loan or credit products.

3. Lexington Law – Experienced Credit Repair Specialist


●      Proven track record

●      Online contact options available

●      Free credit report consultation

●      Expert attorneys and paralegals

●      Offers cease and desist letters


●      No satisfaction guarantee

●      Financial Management (Premier Plus only)

Lexington Law is well known for credit repair services and guarantees accurate credit reporting with their expert team of professionals. Members of the group, such as paralegals, offer individual and personal support. Lexington Law also gives its customers access to their credit analysis and counseling plan with a handy mobile app.

Credit Repair Packages

●      Concord Standard ($89.95 per month package): This package, as the cheapest plan, includes creditor interventions and bureau challenges.

●      Concord Premier ($109.95 per month package): As well as bureau challenges and creditor interventions, this package also includes several other benefits: TransUnion alerts, ReportWatch, score analysis, and InquiryAssist.

●      Premier Plus ($129.95/month): As well as including everything that the standard and premier packages have to offer, the Premier Plus package also offers identity theft protection, a FICO score tracker, personal finance tools, and cease and desist letters. It’s up to you to decide which package best fits your needs and budget.

4. The Credit People – The Best Guarantee


●      Straightforward pricing

●      Low one-time work fee

●      24/7 account access

●      FCRA-certified consultants


●      No access to financial management tools

●      No credit monitoring

The Credit People, rated as having the best guarantee, have two different memberships with clear pricing. If you’re not satisfied with either plan, you can cancel at any time and receive a refund for the previous month’s payment, making it quite appealing.

Both memberships with this company include a $19 first work fee, unlimited credit disputes, and creditor reports. Furthermore, they also offer support that goes further than just credit reports; you’ll receive debt validation assistance and a six-month satisfaction guarantee with the flat-rate membership.

5. Credit Repair – Best Reviewed Credit Fixing Company


●      Free credit analysis

●      Various credit repair services

●      50 percent off sign-up fee

●      Helpful tracking tools


●      Advanced plans are more expensive

Credit Repair is an excellent company for challenging inaccuracies and removing damaging items from your credit report. Once signed up to Credit Repair, the company will analyze your credit report for inaccurate items, build you a repair plan, and start challenging the negative things that harm your report the most.

There are three packages available, allowing you to choose whichever best suits your budget!

Credit Repair Packages

●      Direct ($69.95/month): This is the cheapest package available with credit repair and allows three creditor disputes per month and 15 negative challenges per month. This plan is great for people on a low budget with a few negative items needing to be tackled.

●      Standard ($99.95/month): This package has everything in the Direct package as well as hard inquiry challenges, cease and desist letters to creditors, credit score analysis every quarter, and credit monitoring.

●      Advanced ($119.95/month): This is the most expensive package that Credit Repair has to offer, although it includes a vast array of benefits, including 19 item challenges per month and six creditor disputes monthly. This package also includes personal finance tools, identity theft protection, and other things, such as receiving your monthly FICO score.

6. Ovation Credit – Top Credit Improvement Service for Customer Support


●      Easy cancellation

●      Multiple discounts available

●      Financial management tools with both plans

●      Free credit consultation


●      No online application

●      Credit monitoring with the Essential Plus plan only

Ovation Credit is an excellent choice—especially considering all the discount options available. You could get a couple’s discount, senior discount, and even credit of up to $50 on your next monthly payment for switching companies or referring a friend. There are two plans available, so let’s have a look at them.

●      Essentials ($79 per month): This cheaper plan has an initial fee of $89, although you get a free consultation with a credit expert. It has loads of handy little add-ons like financial management tools, personal credit dispute processes, and your own personal case advisor who oversees your whole process and guides you through it.

●      Essentials Plus ($109 per month): Including everything within the Essentials plan, the Plus Plan will also give you unlimited disputes, goodwill letters to creditors, TransUnion credit monitoring, and an official Ovation recommendation letter to your potential lenders.

7. Sky Blue Credit – Cheap Credit Repair Services


●      Easy online sign-up available

●      90-day money-back guarantee

●      Discounts are available

●      Reviews line by line credit reports


●      No monthly credit monitoring

●      No handy financial tools

Sky Blue Credit also allows you to take advantage of all its credit repair services through its simple pricing. Once signed up, each process takes around six months to complete, but the great thing is that cancellation is available to you at any point in the period.

The credit repair plans include credit score assistance, access to professional debt negotiation consultants, and initial analysis of disputable items. As well as the 90-day satisfaction guarantee, you can expect disputes for 15 negative items per each monthly cycle and a review of potential inaccuracies in your report.

The package costs $79 per month for a flat rate and $119 per month for couples.

8. Pyramid Credit Repair – Best Credit Improvement Service for Married Couples


●      90-day money-back guarantee

●      Free consultation and no up-front fees

●      Quality customer support

●      Analysis and budgeting tools


●      Cannot remove accurate negative information

●      You may need to give supporting documentation

Pyramid Credit Repair is one of the most respected credit repair companies, taking control of customers’ finances to help improve their overall credit score. They work with credit repair bureaus and creditors until your issues have been resolved. It starts with a free credit assessment, and then an expert will help you through the action of obtaining your report.

●      Singles ($99 per month): As the cheapest plan, there are no additional costs to this package, you can cancel at any time, and there’s 24/7 support if you require it.

●      Couples ($198 per month): This is a great deal for couples, offering a personalized service for two. It gives 24/7 support, just like the Singles Plan, financial tools, and you can cancel at any time. Both plans have no contracts, meaning there are no strings attached.

Best Credit Repair Services: FAQs

Is it Worth Paying Someone to Fix Your Credit?

Yes. Because raising your credit is so impactful on your lifestyle, we believe it is worth paying someone to fix your credit as long as you choose the right agency for the job.

Nevertheless, there are several steps people can take to raise their credit score on their own. Staying on top of frequent monitoring will catch red flags that come up early in the process.

However, several of the larger credit repair companies will be able to catch things you might not, and your odds of success are much higher than trying to fix your credit on your own.

Instead of spending time fighting off harassing credit collectors and sending cease and desist letters, let a professional repair service do the work for you.

Can a Credit Repair Company Guarantee Errors Will Be Removed?

Whether a credit repair agency can guarantee errors will be removed is tricky to answer because it depends on what you’re disputing.

Although companies do their best to help raise your credit score, bureaus won’t simply delete credit information just because you’ve hired professional help—there have to be inaccuracies and errors for this to happen.

Why do Minor Infractions Have Such a Negative Impact on My Credit?

Minor infractions are small issues, yet this means that they’ll be more common than significant infractions. They’ll build up over time, creating a lot of negative information on your credit report.

How Can Credit Repair Companies Help?

A credit repair company could help you buy a house, take out a loan, or anything else that you might need money for (and, of course, a decent credit score for!).

By offering constant support, financial tools, and expert action, credit repair companies could help boost low credit scores while also helping you monitor your credit for errors.

How Can I Avoid Credit Repair Scams?

A great way to avoid getting caught up in a credit repair scam is by keeping an eye out for the following red flags.

Get ahold of the contract. You may not be given the contract to view beforehand—don’t sign anything when you don’t know what you’re signing up for! The name and business address of the company should also be clearly visible.

Check the terms and conditions. Additionally, you might be getting scammed if the contract doesn’t include the amount you’re being charged or the date by which the services will be carried out.

Make sure you can cancel. You should receive a statement letting you know you can cancel the contract if you choose to.

Don’t pay any up-front fees. If you’ve been asked for a payment before any services are performed, see this as a red flag since the law disallows credit repair agencies from charging up-front fees.

Top Credit Repair Companies: The Takeaway

Always do your research first to make sure you’re hiring the best credit repair company for you—all our top picks are remarkable for their own reasons. However, some may suit you better than others, especially when there are different services and prices on offer.

Overall, we’ve rated Credit Saint as the top credit repair company due to its multiple different options to suit different budgets, clear-cut pricing, and the ability to cancel at any time.

This isn’t to say that our other top picks aren’t also great options – each has its winning benefits, which helped them make it onto this list.

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Are Sallie Mae Student Loans Federal or Private?



When you hear the name Sallie Mae, you probably think of student loans. There’s a good reason for that; Sallie Mae has a long history, during which time it has provided both federal and private student loans.

However, as of 2014, all of Sallie Mae’s student loans are private, and its federal loans have been sold to another servicer. Here’s what to know if you have a Sallie Mae loan or are considering taking one out.

What is Sallie Mae?

Sallie Mae is a company that currently offers private student loans. But it has taken a few forms over the years.

In 1972, Congress first created the Student Loan Marketing Association (SLMA) as a private, for-profit corporation. Congress gave SLMA, commonly called “Sallie Mae,” the status of a government-sponsored enterprise (GSE) to support the company in its mission to provide stability and liquidity to the student loan market as a warehouse for student loans.

However, in 2004, the structure and purpose of the company began to change. SLMA dissolved in late December of that year, and the SLM Corporation, or “Sallie Mae,” was formed in its place as a fully private-sector company without GSE status.

In 2014, the company underwent another big adjustment when Sallie Mae split to form Navient and Sallie Mae. Navient is a federal student loan servicer that manages existing student loan accounts. Meanwhile, Sallie Mae continues to offer private student loans and other financial products to consumers. If you took out a student loan with Sallie Mae prior to 2014, there’s a chance that it was a federal student loan under the now-defunct Federal Family Education Loan Program (FFELP).

At present, Sallie Mae owns 1.4 percent of student loans in the United States. In addition to private student loans, the bank also offers credit cards, personal loans and savings accounts to its customers, many of whom are college students.

What is the difference between private and federal student loans?

When you’re seeking financing to pay for college, you’ll have a big choice to make: federal versus private student loans. Both types of loans offer some benefits and drawbacks.

Federal student loans are educational loans that come from the U.S. government. Under the William D. Ford Federal Direct Loan Program, there are four types of federal student loans available to qualified borrowers.

With federal student loans, you typically do not need a co-signer or even a credit check. The loans also come with numerous benefits, such as the ability to adjust your repayment plan based on your income. You may also be able to pause payments with a forbearance or deferment and perhaps even qualify for some level of student loan forgiveness.

On the negative side, most federal student loans feature borrowing limits, so you might need to find supplemental funding or scholarships if your educational costs exceed federal loan maximums.

Private student loans are educational loans you can access from private lenders, such as banks, credit unions and online lenders. On the plus side, private student loans often feature higher loan amounts than you can access through federal funding. And if you or your co-signer has excellent credit, you may be able to secure a competitive interest rate as well.

As for drawbacks, private student loans don’t offer the valuable benefits that federal student borrowers can enjoy. You may also face higher interest rates or have a harder time qualifying for financing if you have bad credit.

Are Sallie Mae loans better than federal student loans?

In general, federal loans are the best first choice for student borrowers. Federal student loans offer numerous benefits that private loans do not. You’ll generally want to complete the Free Application for Federal Student Aid (FAFSA) and review federal funding options before applying for any type of private student loan — Sallie Mae loans included.

However, private student loans, like those offered by Sallie Mae, do have their place. In some cases, federal student aid, grants, scholarships, work-study programs and savings might not be enough to cover educational expenses. In these situations, private student loans may provide you with another way to pay for college.

If you do need to take out private student loans, Sallie Mae is a lender worth considering. It offers loans for a variety of needs, including undergrad, MBA school, medical school, dental school and law school. Its loans also feature 100 percent coverage, so you can find funding for all of your certified school expenses.

With that said, it’s always best to compare a few lenders before committing. All lenders evaluate income and credit score differently, so it’s possible that another lender could give you lower interest rates or more favorable terms.

The bottom line

Sallie Mae may be a good choice if you’re in the market for private student loans and other financial products. Just be sure to do your research upfront, as you should before you take out any form of financing. Comparing multiple offers always gives you the best chance of saving money.

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Tips to do some fall cleaning on your finances



Wealth manager, Harry Abrahamsen, has five simple ways to stay on top of the big financial picture.

PORTLAND, Maine — Keeping track of our financial stability is something we can all do, whether we have IRAs or 401ks or just a checking account. Harry J. Abrahamsen is the Founder of Abrahamsen Financial Group. He works with clients to create and grow their own wealth. Abrahamsen shares five financial tips, starting with knowing what you have. 

1. Analyze Your Finances Quarterly or Biannually

You want to make sure that your long-term strategy is congruent with your short-term strategy. If the short-term is not working out, you may need to adjust what you are doing to make sure your outcome produces the desired results you are looking to accomplish. It is just like setting sail on a voyage across the Atlantic Ocean. You know where you want to go and plot your course, but there are many factors that need to be considered to actually get you across and across safely. Your finances behave the exact same way. Check your current situation and make sure you are taking into consideration all of the various wealth-eroding factors that can take you completely off course.

With interest rates very low, now might be a good time to consider refinancing student loans or mortgages, or consolidating credit card debt. However, do so only if you need to or if you can create a positive cash flow. To ensure that you are saving the most by doing so, you must look at current payments, excluding taxes and insurance costs. This way you can do an apples-to-apples comparison.

The most important things to look for when reviewing your credit report is accuracy. Make sure the reporting agencies are reporting things actuary. If it doesn’t appear to be reporting correct and accurate information, you should consult with a reputable credit repair company to help you fix the incorrect information.

4. Savings and Retirement Accounts

The most important thing to consider when reviewing your savings and retirement accounts is to make sure the strategies match your short-term and long-term investment objectives. All too often people end up making decisions one at a time, at different times in their lives, with different people, under different circumstances. Having a sound strategy in place will allow you to view your finances with a macro-economic lens vs a micro-economic view. Stay the course and adjust accordingly from a risk and tax standpoint.

RELATED: Financial lessons learned through the pandemic

A great tip for lowering utility bills or car insurance premiums: Simply ask! There may be things you are not aware of that could save you hundreds of dollars every month. You just need to call all of the companies that you do business with to find out about cost-cutting strategies. 

RELATED: Overcome your fear of finances

To learn more about Abrahamsen Financial, click here

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How to Get a Loan Even with Bad Credit



Sana pwedeng mabura ang bad credit history as quickly and easily as paying off your utility bills, ‘no? Unfortunately, it takes time. And bago mo pa maayos ang bad credit mo, more often than not, kailangan mo na namang mag-avail ng panibagong loan. 

Good thing you can still get a loan even with bad credit, kahit na medyo limited ang options. How do you get a loan if you have bad credit? Alamin sa short guide na ito. 

For more finance tips, visit Moneymax.



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