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Top 5 Services To Repair Your Credit Fast

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Your credit score plays a significant role in your financial well-being. Banks, landlords, potential employers, car dealerships, and numerous other entities check your credit score to determine your monetary responsibility and trustworthiness.

If you have a low credit score, you know how challenging and time-consuming it can be to repair your credit. As a result, many people choose to leave credit repair to the professionals.

Credit repair companies search through your credit history to find any inaccuracies or discrepancies that may negatively impact your score. The companies then work with the three major credit bureaus to remove these harmful additions, boosting your credit score in the process.

You can find dozens of credit repair companies on the web that offer a range of services and pricing options. To help you narrow down your search, we have reviewed the top five best credit repair companies of 2021. Read on to learn more about these businesses and how they can improve your credit.

Top 5 Best Credit Repair Companies of 2021

Credit Saint: Best overall

Lexington Law: Most experienced company

CreditRepair.com: Best for free credit score analysis

Sky Blue: Cheapest credit repair

The Credit Pros: Best for fast credit repair

#1 Credit Saint: Best Company Overall

Credit Saint is our top choice for the best credit repair company of 2021. The experts at Credit Saint have helped thousands of customers improve their credit scores by removing questionable negative items including late payments, collections, charge offs, hard inquiries, repossessions, and more.

Along with its aggressive credit repair services, Credit Saint also helps its customers optimize their credit reports by teaching them credit-boosting techniques. When you sign up with Credit Saint, you’ll gain access to a private online dashboard where you can monitor your progress as your credit score gets better and better.

Credit Saint offers three credit repair packages to choose from, depending on your needs:

Credit Polish: Includes basic repair services such as five challenges to the three credit bureaus, creditor interventions, score analysis, and a free score tracker

Credit Remodel Package: Includes all of the above services along with ten challenges, inquiry targeting, and Experian credit monitoring

Clean Slate: Includes all of the above services with unlimited challenges

Each of these packages comes with an initial work fee and a monthly fee.

Credit Saint has received an A+ rating from the Better Business Bureau for more than ten years and is a BBB-accredited company. The company offers a 90-day money-back guarantee so that if you are not satisfied with your services, you can receive a full refund.

Overall, Credit Saint offers impressive credit repair services and a reliable company reputation. You can’t go wrong choosing this best credit repair company to help you boost your credit scores.

Private online dashboard to track progress every step of the process

Free no-obligation credit evaluation

90 day money-back guarantee

Free credit monitoring included

A+ BBB rating for past 10 years

Personal case advisor to help you every step of the way

Click Here to Learn More About Credit Saint

#2 Lexington Law: Best Reviews

If you’re looking for a credit repair firm with extensive experience, Lexington Law may be the best company for you. This credit repair company—a law firm that specializes in credit repair—has been in business since 1991, but it began offering credit services in 2004. The organization helped remove over 9 million negative additions from its customers’ records in 2020 alone.

This law firm follows a straightforward credit repair process. Once you create an account, Lexington Law will begin analyzing your credit history to determine which negative additions could be hurting your score.

The company will then send dispute letters to the major credit reporting bureaus, asking them to verify that the additions are fair and accurate. If the credit bureaus cannot prove an addition, they will need to remove it as soon as possible.

Along with sending dispute letters, Lexington Law will also help you learn to manage your credit and avoid making costly mistakes in the future. Having a Lexington Law membership means that the firm will continue addressing any new credit issues that appear on your credit report.

This company offers three credit repair packages: basic, moderate, and advanced. The basic package provides bureau challenges and creditor interventions, while the top-tier package includes features such as personal finance tools, identity theft protection, and cease and desist letters. These packages range in price from $89.95 to $129.95 per month.

This firm has a leg-up over other companies in the credit repair industry. The company has over 25 attorneys on its team who know how to handle credit repair from a legal standpoint rather than just a financial one. When you hire this organization, you can trust that it will do everything it can to boost your credit score while still adhering to strict credit laws.

Lexington Law may be the best credit repair company for you if you’re looking for a service with industry experience and a legal approach to credit repair.

Legitimate credit repair company for over 17 years

Over 70 million removals on clients’ credit reports since 2004

Over 520,000 active clients

3 different credit repair options to choose from

See your credit score and negative items for free

Free credit report consultation

Click Here to Learn More About Lexington Law

#3 CreditRepair.com: Best Credit Repair App

CreditRepair.com has been helping customers improve their credit scores since 2012. Over the past nine years, the organization has sent over 19 million challenges and disputes, and it completed over one million interventions in 2019 alone.

One perk of using CreditRepair.com compared to other companies is that you can receive a free online credit evaluation just for creating an account and inputting your information. This evaluation includes:

Your FICO score and a summary of your report

A review of your negative items

A credit improvement plan

The credit repair company offers three paid membership tiers: basic, moderate, and aggressive. If you only have a few negative items to dispute, the basic package will suit your needs well. However, if you have several negative additions, you will benefit most from the aggressive package.

Once you purchase a package, the company will challenge your negative additions, then continue monitoring your credit and addressing additional issues as long as you are a member.

If you’re looking for an affordable credit repair service with a proven track record of success, CreditRepair.com may be the best company for you.

Best credit repair service for free score analysis

Credit score tracker to keep monitor progress

Over 1,800,000 removals since 2012

One of the most reputable credit repair companies

Text and email alerts

Click Here to Learn More About CreditRepair.com

#4 Sky Blue: Best for Cheap Credit Repair

Sky Blue Credit is the best option for cheap credit repair. Sky Blue Credit has been offering credit repair services since 1989. Unlike many other credit repair companies, Sky Blue offers only one package at a low, affordable price. For $79 per month, you can receive all of the credit repair services you need, including:

15 custom disputes every 35 days

Professional analysis information

Debt validation

Credit rebuilding

Goodwill letters

Cease-and-desist letters

And more

You can pause your membership at any time and even select your own billing date to best suit your budget. Better yet, Sky Blue Credit offers a 90-day money-back guarantee that allows you to receive a full refund if you are not satisfied with your membership.

Sky Blue follows a similar credit repair process to other companies on our list. After you create an account, the credit repair company will review your credit reports line by line, then present you with the items it deems as dispute candidates.

After you review these list items, the organization will send dispute letters to the credit bureaus. If the bureaus do not correct these items, Sky Blue will automatically send a customized re-dispute to optimize your chances of removing these additions from your credit report.

With your Sky Blue membership, you will also gain access to a credit monitoring portal where you can track your progress and communicate with the company’s professional credit repair team and customer service representatives. Additionally, you will receive custom rebuilding tips to help you begin improving your credit on your own.

Overall, Sky Blue Credit is a top-tier organization suitable for anyone looking for affordable yet reliable credit fix services.

No charge for the first 6 days

90 day satisfaction guarantee

15 credit disputes per 35-day billing cycle

Cease-and-desist letters to debt collectors

Financial tools to help you rebuild credit faster

Pause or cancel service any time

Click Here to Learn More About Sky Blue Credit

#5 The Credit Pros: Best For Fast Credit Repair

The Credit Pros is the highest rated company for fast credit repair. Most credit repair companies spend at least six months challenging and disputing your credit information before you see any significant improvements to your score. The Credit Pros offers fast, reliable credit repair, and many customers see score improvements in three months or fewer.

The Credit Pros has been in the credit repair industry since 2009 and offers several credit repair and monitoring services. Some of its most popular features include:

Unlimited dispute letters

A one-on-one action plan with a FICO professional

Identity theft restoration and insurance

Cease and desist letters

A client content portal

Debt validation and goodwill letters

When you become a member, you will receive access to easy-to-read credit reports and personalized advice to help improve your credit score on your own. This credit repair agency will also analyze your credit data to find any negative additions and then follow a straightforward dispute to remove these items from your credit history.

The Credit Pros offers three packages to choose from: Money Management, Prosperity Package, and Success Package. The Money Management credit repair package includes all of the features you would need to repair your credit. In contrast, the other two packages include additional features, such as access to the National Credit Direct and benefits from SlashRx.

The Credit Pros currently has an A- rating from the BBB, making it one of the highest-rated companies on our list. You can receive a free consultation just for signing up with your personal information. The company notes that you can cancel your membership at any time and that your privacy is its top priority.

Because The Credit Pros takes a multi-action approach to credit repair, you can expect to see noticeable improvements to your score in just a few months. Overall, this reputable credit repair company is a suitable choice for anyone looking to boost their score quickly and efficiently.

Easy-to-read credit reports and personalized score insights

Credit monitoring included at no additional cost

Identity theft insurance and restoration included

Debt validation letters to creditors

Cease-and-desist letters to debt collection agencies

Click Here to Learn More About The Credit Pros

How Do Credit Repair Services Work?

Credit repair companies help you improve your credit score by contacting credit reporting agencies and creditors to remove inaccurate items from your credit reports. Most companies follow this process to help you boost your score:

Review your credit reports line by line and note any questionable additions.

Send dispute letters to the three credit bureaus and your creditors, asking them to either verify or remove these items.

Re-send disputes if creditors deny their requests.

Some people try to contact creditors themselves to ask them to verify or remove an addition. However, if you do not have experience with credit repair or do not have ample time to commit to typing up letters, calling bureaus, and monitoring your claim status, you likely will not see much improvement.

Instead, hiring a credit restoration service allows you to feel confident that the bureau will have as much evidence as possible to remove your items. It will also ensure that a company will spend all of the necessary time and resources to achieve the best outcome for your case.

The best credit repair companies send a large volume of letters to creditors disputing the same item repeatedly. If the credit bureau does not respond to one of these inquiries in the thirty days enforced by the Fair Credit Reporting Act, it will have to delete the account, causing the item to disappear from your report.

Things To Consider When Choosing The Top Credit Repair Companies

Credit repair companies come in all shapes and sizes. The best companies offer fair rates, a wide range of services, and an efficient disputing process. However, the worst organizations provide unfair or even illegal credit practices, make false claims, and have poor customer service.

As you search for the best credit repair company for your needs, be sure to consider each of the following factors.

Free Consultation

Some companies offer a free credit consultation that you can take advantage of before purchasing a membership. This free consultation may include a free credit report, a review of your credit history, and information about improving your score.

Money-Back Guarantee

A few companies on our list offer a money-back guarantee for anywhere from 60 to 90 days. You can try out the company’s services during this period, and if you are dissatisfied for any reason, it will give you a full refund of your membership fee.

A money-back guarantee could signify that an organization is confident its customers will be happy with the services they receive.

First-Work Fees

Some credit repair companies only charge monthly fees for you to take advantage of their features. However, others require you to pay a first-work fee, or setup fee, at the beginning of your membership. This setup fee will typically cost around the same price as your monthly fee, boosting your overall costs for your first month of services.

If you only need an organization to remove a few negative items from your report, you may want to look for a credit repair agency that does not charge a setup fee. However, if you plan to stick with a company for the long haul, this fee may be worthwhile.

Price Per Month

Every good credit repair company we found charges a monthly fee for you to utilize their features. This fee ranges from $50 to $150 per month, depending on the organization and the package you choose.

Some companies, such as The Credit Pros, include a few bonus features in their top-tier packages that you may not need, such as discounts on prescriptions. For many people, the basic credit repair packages include all of the necessary services to repair their credit.

Credit Monitoring & Free Credit Reports

The best credit repair companies offer credit monitoring tools as part of their membership services. These tools may include frequent access to your credit report, custom tips to fix your credit, alerts about changes to your credit score, and other relevant features.

If a credit repair firm only helps you remove negative items from your report, it is not setting you up for success in the future. You could end up making the same mistakes that led to your poor credit without even realizing it.

Many credit repair companies that offer educational resources, credit monitoring tools, and free credit reports give you more value for your dollar by setting you up for long-term success.

BBB Rating

The Better Business Bureau rates companies according to their customer service and business practices. The best Better Business Bureau rating a company can receive is an A+ rating, while the worst is an F.

You can check a company’s rating by going to the Better Business Bureau website and searching for the organization. Along with its rating, the Better Business Bureau will also show you customer reviews and historical information about the company, giving you a better idea of its legitimacy and trustworthiness.

What Type of Negative Items Can Credit Repair Agencies Remove From Your Credit Report?

Negative items are the financial missteps that may be lowering your credit score. Credit repair companies work to remove the following negative items from your report:

Bankruptcy

Charge offs

Collections

Foreclosures

Hard inquiries

Judgments

Late payments (student loans, credit cards, mortgages)

Medical collections

Repossessions

Tax liens

Some of these items impact your credit more than others, but removing even the least significant ones could raise your credit score by several points. The most effective credit repair companies will analyze every line of your credit report and challenge any data that could be inaccurate.

How Long Does It Take To Repair Credit

A credit repair service may take anywhere from three months to nine months to complete its repair services. Typically, the more negative items you have on your report, the more time the company will need.

If you work with a repair company annually or only have a few negative items, you may see credit improvement in as few as three months. However, if you have ten or more additions, the credit repair service may need at least six months to finish your case.

How Much Does A Credit Repair Specialist Cost?

The credit repair companies on our list vary in price significantly. Some companies charge a setup fee along with their monthly fees, while others just charge higher monthly costs. In general, you can expect to pay between $50 and $150 a month to use a company’s services, and you may need to pay a $50 to $150 initial deposit as well.

A credit repair company’s price is not always indicative of its quality. You should be sure to read customer reviews and research a company thoroughly before beginning a membership, then decide whether the price is worth the services you will receive.

Can Legitimate Credit Repair Companies Guarantee Results?

According to Chron, the best credit repair services can’t guarantee any results to its customers.

Credit repair businesses help remove negative additions on a case-by-case basis. When you sign up for one of these services, it will review your personal credit history and make suggestions based on your specific needs. If it sees any questionable negative additions, it will dispute them with your creditors.

Because credit repair services are highly specialized, no organization can guarantee any results. If you do not have any negative additions that are false or inaccurate, credit repair agencies will not be able to help you much.

Additionally, the Credit Repair Organizations Act of 1996 clarifies what credit repair companies can and cannot do. According to this act, credit repair companies cannot:

Make false statements to credit bureaus

Charge customers before providing any services

Advise customers to change their identification

Guarantee any results

The Credit Repair Organizations Act ensures that credit repair companies do not mislead their customers. If you notice that an organization is trying to guarantee any results, you should report it to the Federal Trade Commission and search for a reputable service instead.

What Methods Do Credit Repair Companies Use To Get Items Removed?

Credit repair companies use a few different methods to remove negative items from credit reports. The most popular repair processes are contacting the creditors directly, requesting a goodwill deletion, and resolving identity theft.

Contacting Creditors and Credit Bureaus

The top credit repair companies improve credit scores by removing false-negative additions from customers’ credit reports. They typically achieve this by contacting creditors and the three major credit reporting agencies directly and asking them to verify if specific items on an account are accurate.

If a United States creditor cannot verify information on your credit reports, the law requires it to remove the data. Similarly, if a credit bureau does not respond about a specific item in 30 days or fewer, it may be legally obligated to delete the account, removing the item from your report in the process.

Goodwill Letters

Credit repair companies can also request goodwill letters on your behalf. If your credit suffered because you missed a payment on a loan, and you have since paid the loan in full, your credit repair case advisor could send a goodwill letter to your creditor in hopes they will remove the derogatory item from your credit history.

This letter can include information about why you missed the payment and how you have improved your financial responsibility since that incident. If the letter is convincing enough, the creditor may decide to report your account more favorably, boosting your credit.

Identity Theft

Some people receive a hit to their credit after becoming a victim of identity theft. If this is the case for you, you can also utilize a credit repair specialist to dispute these fraudulent accounts on your report and repair your credit. Some companies offer identity theft protection as an add-on service or provide it in their top-tier membership package.

Final Thoughts – Are Credit Repair Companies Worth It?

If you have an unfavorable FICO score, hiring a credit repair service to manage your dispute process may be a great use of your money. These companies do all of the hard work of contacting creditors and disputing items with the three major credit bureaus for you. They use their skills and expertise to present your claim accurately and convincingly.

Many of the companies on our list offer a 90-day money-back guarantee that allows you to receive a full refund if you aren’t satisfied with their services. If you aren’t sure whether to give one of these companies a try, looking for a business with a money-back guarantee could seal the deal.

Hiring a credit repair company could help you boost your credit and learn how to make intelligent economic decisions in the future, getting you back on track to financial freedom.




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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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7 Best Credit Repair Companies in 2021: Top-Rated Credit

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San Diego, CA, April 17, 2021 (GLOBE NEWSWIRE) — Credit repair companies work on behalf of their clients to improve their credit report by removing negative items, such as debt collections, late payments, and bankruptcies. There are significant differences between credit repair companies in terms of the methods they use for payment structures and to repair credit scores.

To determine the best credit repair services to use, we compared factors such as reliability, effectiveness, and value for money. Based on these specifications, and the pros and cons of each company, here are the best credit repair companies in 2021.

1. Credit Saint – Best Credit Repair Company Overall

Credit Saint is the overall best credit repair service because it has a long and solid record of helping thousands of people to improve their credit scores. The company’s success is evident as the Better Business Bureau has given this service an A+ rating for more than 10 years.

Customers receive a free consultation from Credit Saint to talk about their credit score and identify any negative items. It is possible to use this service free without any obligation.

If a user chooses to proceed based on the initial consultation, Credit Saint then contacts the credit bureaus on the individual’s behalf. The aim of this communication is to remove any inaccurate information from the customer’s credit report.

Some of the negative items this company can potentially remove from credit reports include:

  • Late payments
  • Judgments
  • Collections
  • Repossessions
  • Bankruptcies
  • Credit inquiries
  • Liens

Credit Saint recognizes that their customers have differing needs, which is why they offer three packages. The first option is the Credit Polish package that includes a free score analysis, challenges of five negative items per cycle to three major credit bureaus, and a credit score tracker too.

The next level package is the Credit Remodel package. This option features everything from the Credit Polish model above. However, users receive 10 negative item disputes per cycle and ongoing Experian credit monitoring as well.

Credit Saint’s most aggressive option is the Clean Slate package. Along with everything in the other two packages, this one includes unlimited challenges on inaccurate items, and the company will also send out cease and desist letters on the customer’s behalf.

Other points in Credit Saint’s favor include good value for money and that they offer a 90-day money-back guarantee. Overall, the positive features of Credit Saint are:

  • More than 10 years of A+ Better Business Bureau rating
  • Three different packages
  • Free, no-obligation consultation with a credit repair expert
  • Real-time progress monitoring via an online dashboard
  • 90-day money-back guarantee

2. Lexington Law – Most Experienced Credit Repair Company

One of the top credit repair services in terms of experience is Lexington Law, as it was founded in 1991. Now, it is the United State’s biggest credit restoration company. In 2017 alone, Lexington Law had more than 100,000 negative items removed from their customers’ credit reports.

This company has a team of lawyers and paralegals that protect your credit using specific laws. Some of the issues that can impact a person’s credit score negatively, with which they help their customers, include:

  • Divorce
  • Medical bills
  • Identity theft
  • Student debt
  • Military service

Lexington Law has three packages available to accommodate the different needs of users. The most basic of these is the Concord standard service, and this includes challenging negative items with the customer’s creditors and the three major credit bureaus.

The next level is the Concord premium package. In addition to the services from the standard model, the person also receives TransUnion alerts and a score analysis. They also benefit from having hard inquiries removed.

Finally, the PremierPlus package is the most thorough credit repair service Lexington Law offers. In addition to the services of the other packages, this package includes personal finance tools, identity theft protection, and the FICO score tracker.

Although Lexington Law is a little more expensive than most other credit repair companies, they are one of the most experienced companies, and the quality of their work is outstanding.

The main benefits of using their services are:

  • Many independent review sites rank Lexington Law as the best option
  • Over 56 million removals since 2004
  • Help offered with charge offs, late payments, foreclosures, and collections
  • More than 500,000 active clients

3. CreditRepair.com – Best Credit Repair App

CreditRepair.com has some of the best reviews from former customers of all the credit repair services. Founded in 2012, this company has removed more than 1.8 million harmful items from its customers’ credit reports. This credit repair company’s app is available for iPhones and Android devices.

After signing up with CreditRepair.com, customers will have their credit report retrieved and analyzed to identify misleading, inaccurate, or invalid items. The team then creates a customized credit repair plan to help rebuild positive credit, and they employ various methods to achieve this.

CreditRepair.com offers customers three different packages, so people can choose the package that best meets their needs. Direct is their entry-level package and the cheapest option. It is ideally suited to people who have only a handful of negative items. The package includes 15 negative item challenges and three creditor disputes each month.

Those who opt for the Standard package also have cease and desist letters sent on their behalf, 24/7 credit monitoring, hard inquiry challenges, and quarterly credit score analysis. The cost of this service is in-line with the average for credit repair services.

The most comprehensive credit repair package CreditRepair.com offers is their Advanced package. Along with the services of the other packages, this package offers a monthly FICO score, identity theft insurance and protection, an array of personal finance tools, and up to 19 negative item challenges each month.

Some of the best features of CreditRepair.com include:

  • Effective and aggressive repair programs
  • Free credit analysis
  • Discounts if you sign up family and friends
  • 15+ negative item challenges monthly
  • Three credit repair packages to choose between

4. Sky Blue Credit – Good Value for the Money

For those who need a service offering good value for money, Sky Blue Credit is one of the best options. They have transparent pricing, free services for the first six days, and there is a 90-day money-back guarantee. Therefore, Sky Blue Credit is a great choice for people who have a limited budget.

Unlike other credit repair services that offer different packages, Sky Blue Credit offers all its services for a monthly flat rate. The services include disputing five items per each of the three major credit bureaus every 35 days.

After signing up to Sky Blue Credit, customers receive an analysis of their credit history, and any harmful errors are highlighted. The experts from this company then send dispute letters on their clients’ behalf and check the statute of limitation for any debts.

Some of the main features of Sky Blue Credit include:

  • One low monthly rate for all services
  • No fee for the first six days
  • Customers can cancel at any time
  • 90-day money-back guarantee

5. The Credit Pros – Good for Speedy Credit Repair

The Credit Pros have been in business for more than 12 years, and they have helped more than 200,000 people across the United States to improve their credit rating. It is consistently ranked as one of the best credit repair services by independent review sites, and it has maintained an A+ rating from the Better Business Bureau.

There are three packages available from The Credit Pros to meet differing repair needs. The entry-level option is the Money Management package, which includes identity and dark web monitoring and TransUnion monitoring. It also includes the CashRules finance manager, which allows customers to integrate banks, track transactions, get alerts, and set budgets.

The mid-level option is the Prosperity package. In addition to everything from the entry-level package, users get a three-bureau credit repair, which includes:

  • Debt validation letters
  • Goodwill letters to debt agencies and creditors
  • Cease and desist letters
  • Unlimited dispute letters
  • A one-on-one action plan from a professional

The Credit Pros’ most thorough and expensive option is the Success package. Along with all the services from the other two packages, customers also have a guaranteed line of credit of $1,500. The credit repair service also reports repayments to TransUnion and Experian, which allows the customer to build a positive credit history.

When deciding whether The Credit Pros is the right company for them, potential users should consider the following positive features:

  • Free consultation with a specialist
  • Better Business Bureau rating of A+
  • AI-driven credit repair technology
  • Quick credit repair for faster results
  • Various packages available
  • Option for unlimited dispute letters available
  • Credit monitoring included with all plans

6. Ovation Credit – Best Customer Service

Ovation Credit Services has helped more than 12,000 people to improve their credit score, and the company has a reputation for its outstanding customer service. They take pride in building relationships with users and providing them with customized credit repair solutions.

This credit repair company is one of the most cost-effective options as the monthly fees are affordable. At the initial appointment, each customer receives a free consultation. During the meeting, the advisor takes an in-depth look at the client’s credit history to determine the best solutions for each issue.

Moving forward, an advisor from Ovation Credit Services files disputes on behalf of their client. The process may involve the advisor contesting late payments with creditors and writing goodwill letters. Ovation Credit Services also ensures clients have an accurate credit score by working with credit reporting bureaus.

The main reasons to consider using this company’s service are:

  • A+ Better Business Bureau rating
  • Excellent customer service
  • Free consultation
  • Customized credit repair solutions
  • A cost-effective option

7. The Credit People – Best Customer Satisfaction Guarantee

The Credit People has been in operation for more than 15 years, so they are now one of the leading credit repair companies. It offers customers the option of either a six-month, flat-rate service plan or a monthly pay-as-you-go option.

Since 2004, The Credit People has removed approximately 1.5 million negative items from their customers’ credit reports, and statistics show that the average customer sees a 32 percent improvement in their credit score.

For a small fee, customers have the option to try out the services for a week before deciding if they want to continue using it. The Credit People also offers a 60-day money-back guarantee.

However, excellent customer service is what makes The Credit People stand apart from the competition. Some of the advantages of joining The Credit People include:

  • Toll-free customer support
  • Unlimited disputes each month
  • FCRA certification
  • Account access 24/7
  • Debt and inquiry validation

How Do Credit Repair Services Work?

The first step that most credit repair services take is downloading the customer’s credit report from the three major credit bureaus. Professionals then review the credit reports to identify errors. Common examples of mistakes include inaccurate personal information, incorrect balances, and data management errors.

It is not a simple process as the professionals must gather evidence to prove the information in the credit report is false. Doing so can take anything from a few days to several weeks.

Once the professionals have gathered the information they need, they send it to credit monitoring companies, and there is a 30-day window for them to respond. The credit bureaus will contact the credit repair service to say whether they have corrected the error or not and explain why.

Essential Factors To Consider When Choosing a Credit Repair Company

Before someone starts using a credit repair company, it is important they take the time to compare the options. Some of the factors to consider are outlined below.

Setup Fees

Companies should not ask for large upfront payments, as this is a violation of the Credit Repair Organizations Act. In most cases, legitimate credit repair companies do not have setup fees.

Free Consultations

Free consultations are beneficial, even for those who have good credit. If a free consultation is available from the service, it will help people to identify areas in which they can make improvements and what they are already doing well. It is an opportunity for people to learn good financial habits that will prevent them from needing credit repair services in the future.

Monthly Fees or Flat Rate Payments

Credit repair companies’ two payment types are usually either monthly fees or flat-rate payments. A customer must decide which is their preferred option when choosing the best service to meet their needs.

Credit Repair Reviews

As with any service, reviews from former customers can help people to decide if a company is reliable, effective, trustworthy, and good value for money. The user should not simply rely on the reviews posted on the credit repair services’ websites but check elsewhere online to get an accurate overview of others’ experiences.

Another tip is to check with the Better Business Bureau, as this service helps consumers to find reputable businesses with positive reviews.

Customer Service

Although most credit repair companies offer similar services, one way that the best companies stand out from the rest is the customer services they offer. The top companies offer customer service from friendly and knowledgeable professionals who can guide people through the best credit repair options.

They will monitor their clients’ credit scores continuously so that the client achieves results quickly. Agents will notify clients about both improvements and challenges or disputes on their credit scores.

How Long Does Credit Repair Take?

Customers should not expect to see results immediately, as it can take between three and six months before progress is evident. However, if someone repairs their credit score annually or they only have minimal issues, then it may not take as long.

On the other hand, those who have lots of credit issues or who have never looked at their credit report may find it can take more than six months before they see improvements.

Is It Worth Using Credit Repair Companies?

One point to note is that a person can do everything that a credit repair company does and achieve the same results, which may cause people to question whether using a credit repair service is worth the money.

There are two benefits to using professional services rather than a person attempting to repair their own credit score. The first benefit is that it saves a person time, as the process is a heavy task. Second, using a professional service streamlines the process as they have experience of the different methods and they know how to get the best results.

In addition to saving time and achieving positive results faster, it is also worth noting that using a credit repair company can save people money in the long-term. If a credit score improves by a few points, it can save on mortgage repayments and loan or credit card interest rates.

What Does It Cost To Use Credit Repair Services?

The cost of using credit repair services can vary significantly, depending on the services the company offers. Although monthly fees typically range between $79 and $129, the industry average is approximately $99 a month. There is also the option to buy credit repair software, such as TurboScore Home, that reduces the time of navigating credit reports and bureaus.

Are Results Guaranteed When Using Credit Repair Services?

It is almost impossible for a credit repair company to guarantee results as credit reports are complex documents that change every time someone makes or misses a payment. Therefore, customers should be wary of services that make outlandish guarantees.

Avoiding Credit Repair Service Scams

Unfortunately, there are some scam credit repair companies out there. However, people can take steps to make sure they avoid such companies.

The first thing that people need to know is the Credit Repair Organization Act in 1968 prevents companies from making misleading statements about the services or products they provide. Furthermore, the services must provide written contracts that give consumers an opportunity to cancel the arrangement.

Legally, credit repair companies cannot collect payments until their services are complete. However, many get around this rule by having a setup fee followed by monthly payments to help spread the cost.

Apply caution if a credit company gives misleading information or they do not give straight answers to questions. For example, consumers should avoid companies that discourage customers from contacting credit monitoring bureaus. People should also avoid companies that create new identities or credit reports.

What Methods Do Credit Repair Companies Use To Get Items Removed?

Each company employs different methods to get items removed from a customer’s credit report. The following is an overview of some of the most common methods.

Goodwill letters: Credit repair services may write goodwill letters to creditors to encourage them to remove negative items from credit reports. Although it is not always successful, it works surprisingly often.

Debt validation letters: These letters request that creditors or debt collection agencies provide proof that a debt is valid. If they are not able to provide proof, then they must remove it from credit scores.

Negative item challenges: Consumers have the right to dispute questionable items on credit reports. Credit bureaus then have 30 days to respond. While some companies allow unlimited disputes in a billing cycle, others specify a maximum number of disputes.

Fixing inaccurate information: A method that is particularly useful for victims of identity theft is fixing wrong data. In most cases, credit repair companies assign a case advisor to a customer, and they will go through the customer’s credit report with them to look for inaccuracies.

Cease and desist letters: The Fair Debt Collection Practices Act states that if a customer requests a debt collection agency stops contacting them, then the debt collection agency must abide. Many credit repair companies offer a service of sending out cease and desist letters to creditors and debt collection agencies on the customer’s behalf.

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