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Top Entrepreneurs you Can’t Miss During Covid19 – Press Release

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NEW YORK, NY / ACCESSWIRE / July 15, 2020 / There is no question that with everything happening in the world right now, people are looking for ways to get inspired and realize that you can still be successful even during the current pandemic.

If you are looking to start a business during these uncertain times, here are some entrepreneurs who have successfully been able to grow their businesses, sustain and scale them, and are currently doing great things, even during this pandemic.

This year VIP MEDIA Group has put together a list of Top Entrepreneurs to follow.

– Grant Cardone

Instagram: @grantcardone

Grant Cardone is the bestselling author of The 10X Rule and has been buying real estate for over 30 years. Over those three decades, he has bought over two billion dollars worth of real estate in eight states. Grant currently manages 7,068 units with his private equity firm Cardone Capital. He is such a good real estate investor because of his extreme discipline, specific formulas, and good instinct to know when to exit the property. Throughout his career, Grant has been giving small investors a chance to start small and go big.

– Tai Lopez

Instagram: @tailopez

Tai Lopez is an investor, partner, and advisor to almost two-dozen multi-million-dollar businesses. Through his popular book club and podcasts The Tai Lopez Show, Tai shares advice on how to achieve health, wealth, love, and happiness with over 1.4 million people in 40 countries. The Tai Lopez Show gets around 800,000 downloads per month. In addition, Tai also owns the largest book shipping club in the world, Mentor Box, and was voted the Number 1 Social Media Influencer by Entrepreneur Magazine.

– Chris Bivins

Instagram: @chrisbivins

Chris Bivins, is a successful entrepreneur, master brand consultant and entertainer. From an early age, Chris’ parents stressed the importance of owning a business and finding a product or service that people need. In spring of 2020, Chris did just that. Chris developed Veri Viral, a website used to help social media influencers, and tastemakers enhance their brands. His website can assist individuals from all different industries, like helping musical artists get on Spotify playlists, and drawing attention to influencer’s content. Only a few months in and Veri Viral is growing and is making its mark in the entrepreneurial space. Chris’ goal for 2020, is to have his business making 6 figures, and to help 25 more people get verified on Instagram before 2021.

– Gabriel Hamel

Instagram: @gabrielrhamel

Gabriel Hamel is a successful real estate investor and founder of Hamel Investments. Hamel never desired the 9-5 life; he always saw himself pursuing a career where he could be his own boss. With no formal education or money, Hamel’s passion for real estate, business, and financial freedom has helped him to amass a multi million dollar real estate portfolio consisting of single family homes, multi-family apartments, commercial real estate, and mobile home parks. Hamel Investments takes a nonconventional approach to financing their properties. Instead of bank mortgages, Hamel uses seller financing. This creates a win-win scenario for both the buyer and the seller since the loan, term length, and down payment can be negotiated by the two parties as opposed to having the bank determine these factors. This method of financing has aided in Hamel’s success. Hamel currently owns 175 rental units valued at roughly $20 million dollars.

– Angolina Amores

Instagram: @angolinaamores

Angolina Amores, a former Miss Australia, has become a self-made serial entrepreneur owning 7 businesses from e-commerce, real estate, and coaching. This 26 year old always knew the 9-5 was not for her. She wanted to spend her previous time fulfilling her own dream as opposed to someone else’s. Angolina, also known as ‘The Female Mogul’, started the female empowerment company, The Alpha Femme, which she designed to help ambitious women build successful businesses. The brand’s mission is to empower women to build their empires unapologetically. Angolina will be releasing her course Millionaire Brand Mastery in the following days, an 8-week course that teaches individuals how to build 6-7 figure brands, with a focus on generating passive income.

– Jase Bennett

Instagram: @jasebennett

Jase Bennett, is a serial entrepreneur, and the owner of 5 successful businesses. Jase was recently named one of the Top “40 under 40” entrepreneurs in Hawaii. Jase went from selling pencils in the fourth grade to onboarding products into major retailers like Walmart, Costco, Target, etc. with his international trade and manufacturing company Prouduct. Prouduct has revenued over tens of millions of dollars in sales for their respective clients, helping them grow 5x in 2020 during arguably the worst economic downturns of the century. Now, Jase is using his knowledge and expertise to teach people how to build success. Jase created The Decode, a Podcast where Jase digs into the core elements of success to give his listeners all of the strategies to reach ultimate success.

– Travis Chappell

Instagram: @travischappell

Travis Chappell got his start as a door to door salesman, but he knew he wanted to do more. With the goal of financial, time, and location freedom in mind, Chappell began studying personal development and how to start a business. This led Chappell to start his podcast, Build Your Network, which was named by Forbes as one of the Top 10 Podcasts that will change your life, alongside other big name people like Joe Rogan, Gary Vaynerchuck, and more. Build Your Network helps entrepreneurs produce profitable podcasts, even having elite guests on his show like Grant Cardone, Tom Bilyeu, Molly Bloom, just to name a few. Chappell’s goal for 2020 is to finish and launch a software that he and his team have been developing, which will assist the independent creator space. Follow Chappell to stay up to date on this launch.

– Scott Aaron

Instagram: @scottaaronlinkedin

Scott Aaron, is a serial entrepreneur who got his start at 18 years old owning multiple health clubs. After discovering the power of social media, more specifically LinkedIn, Scott has mastered the site and has become the go-to specialist on the platform. He is using his expertise and experience to help entrepreneurs fully utilize LinkedIn to build their businesses. Some of his greatest accomplishments in the entrepreneur world are becoming a 2x best selling author, international keynote speaker and a top podcaster. In 2020, Scott plans to release a 4th book which he hopes to be his 3rd bestseller, and to reach different industries through his speaking to teach others how to harness, leverage and monetize the platform of LinkedIn using his methods.

– Boniface Ogunti

Instagram: @bonifaceogunti

Boniface Ogunti, also known as the King of Advertising went from nothing to over $5 million dollars in just a few years. From an early age, Boniface knew that the only way he would be able to create the life he wanted to live was to start a business. When he turned 19, he started his first business venture through e-commerce. After his success, people started to ask him how he did it. This led him to develop his e-learning company called Current9, which is designed to help people escape the 9-5 and start their own online e-commerce business. In 2020, Boniface plans to keep growing Current9, especially to the international market.

– Erick Goni

Instagram: @erick_goni

Erick Goni is a successful network marketer who, for the last 6 years, has spent time learning and growing in the marketing industry. Erick started network marketing as early as 17. He later moved onto dropshipping, but he realized that was not for him and used the funds he made to invest. A few years later he started his own company, Ergo Forex. His company Ergo Forex does a combination of network marketing and trading in forex, stocks, commodities, and cryptocurrencies. Ergo Forex is now a 6 figure company, making Erick one step closer on his road to financial freedom. In 2020, Erick’s goal is to hit the 7 figure mark in residual income and to create a portfolio of assets and investments of over $10,000,000.

– Amanda Martrice

Instagram: @Paidandprettychic

Amanda Martrice is the Vice President of one of the largest women empowerment brands in the world. Amanda was tired of the 9-5 life and wanted to have the freedom to make her own schedule and earn money on her own terms. Just 6 years later, she has become one of the top income earners in her company, earning multiple streams of income, and 6 figures. She has been able to help grow and build her company with thousands of customers from all over the world, providing them with private coaching programs, websites, and even being featured on podcasts. Amanda’s goal for 2020, is to expand her business and engage with as many people as possible to help transform their lives and help them reach success, just like she did!

– Timo Wilson

Instagram: @thebankrobbr @asapcreditsolutions

Timo Wilson is a successful salesman, financial guru, and credit repair master, which he became after realizing that working for someone else would never get him to his dreams of becoming the first multi millionaire in his family. With only $1,500 to his name, Timo quit his corporate job to live out his dream. In 2019, he started his business Asap Credit Solutions, a credit repair company. Now, one year later, Asap Credit Solutions is revenuing 6 figures monthly, has employed 17 people, and is helping 500-700 on a month basis repair their credit. In 2020, Timo plans to help 5,000 people become approval ready and help change the lives of as many people as he can through his business.

– Richard Telf

Instagram: @RichardTelfOfficial

Richard Telf is a first generation Cuban immigrant who has been doing e-commerce for about five years now. When he began, he had an interest in business and finding ways to earn money beyond a regular job. He knew about dropshipping, but was uncertain about whether it worked or not. After doing some intense research on coaches, he went half and half on a course with his current business partner Laz Chavez. It was seven hard months confused, frustrated and profitless. Richard and Laz were trying to build an Ecommerce business alongside going to school, working jobs and maintaining their social lives, so the workload was monstrous, but they kept at it. At one point, they finally figured it out. They were too invested in the products they picked before actually testing them. After they let go of this attachment, they tested, evaluated and experimented relentlessly. That’s when everything changed for them. Suddenly, they were making hundreds of sales daily and decided to keep expanding their testing mindset. Two years later, they did their first 7 figure month, had finished college, and quit their day jobs to focus all of their efforts into business. Richard realized the true blessing that came from e-commerce. He is able to spend time doing what he finds fulfilling and creating amazing memories with family and friends without having to worry about where the money will come from. That’s when Richard realized this blessing is something that CAN and SHOULD be shared with anyone willing to listen and give it a shot. Richard and Laz decided to share this freedom with strangers over the internet and started “The Ecom Profit Masterclass” in the hopes that they would experience similar joy. To date, they have over 1,000 students and they couldn’t be happier. Don’t let any other person be the gauge of your success, your “limitations” only affect you as long as you believe in them.

– Laz Chavez

Instagram: @LazChavez

Laz Chavez is a Cuban-born immigrant living in Miami who has been involved with e-commerce for the past 5 years. He was studying at Cornell to become a Mechanical Engineer, but was looking for ways to make some extra money. Then one day he and his business partner, Richard, got involved in dropshipping. It took 7 months of testing and failing until they saw their first profitable day. Those first 7 months were the hardest because they weren’t sure if they were doing something wrong or if it was the system. Those 7 months really helped them to discern which of those variables were in their control and let them focus their efforts into those variables. Once they figured that out, they started making regular sales and kept scaling from there. At one point, they were making so many sales that it was impossible for them to handle everything, so they began to outsource various tasks and really started to automate their business. After 3 years in the game, some 7-figure months, and a ton of trial and error, they decided to share their knowledge about E-com with the public and started “The Ecom Profit Masterclass.” Their students started seeing success, they kept growing and created a community of like minded entrepreneurs on a similar path to financial freedom. Nowadays, some of these students are more profitable than Laz and Richard are. They provided the fundamentals, but all of that growth was due to the students’ own experimentation and efforts.

– Philip Michael

Instagram: @yfwtb

Philip Michael is an entrepreneur, real estate investor, and bestselling author. Since 2017, he’s built a $57 million portfolio of tech-powered real estate in NYC and Philadelphia. As CEO of wealthlab.co and fintech app NYCE, Michael’s created a wealth universe dedicated to wiping out racial and economic inequality. “My mission is to create 100,000+ millionaires of color,” says Michael, who posts money advice daily on Instagram. “The best way to overcome economic disparity is to sustain the wealth.” Powered by a $50 million IPO filed in April, the NYCE wealth universe is on track to hit $1 billion in assets by 2024, according to Forbes estimates. He has one of the fastest-growing real estate/money channels on Instagram, growing from friends and family to over 35.2K followers since April. The NYCE app, which goes live on Google Play and the Apple Store in August, will feature the first stock trading platform for real estate. Since May, the NYCE team’s closed over $400,000 in micro-investments from first-time investors for their Robinhood-inspired real estate investment app.

– Sebastian Swick and Eric Caste

Instagram: @Amazon_Lit

Sebastian Swick and Eric Caste are the co-owners of AmazonLit, a successful wholesale business on Amazon being named a Top 50 Amazon 3rd party seller. What started off with only $4,000 in capital, is now becoming one of the largest 3rd party sellers in the county producing over $150 million in sales. This team saw a need in the industry to provide authentic information about the world of FBA Wholesale, something they wish they would have had starting out. With nearly 7 years of experience, they developed EsellersRI, a program designed to teach others how to start, grow and scale their Amazon business using the same tactics they used for their 8 figure company. Their goal for 2020 is to help 2000 people reach financial freedom through selling on Amazon, like they did.

– Shabaz Ahmed

Instagram: @Shabazfx

Shabaz Ahmed, is a highly successful forex trader. At just 24 years old, Shabaz who was once on government assistance, is now living a life of financial freedom. After dedicating 5 years to master the craft of forex trading, Shabaz started to share with others how he reached his success. After hearing the positive impact he had on the people he shared his knowledge with, this inspired Shabaz. Now he is seen traveling across the world on prestigious stages speaking in front of 10,000+ empowering individuals to reach their own financial goals just like he did. In 2020, Shabaz wants to focus on helping his 5,000+ members level up financially, spiritually and mentally.

– Chris Diaz

Instagram: @itschrisdiaz

Chris Diaz got his bachelor’s degree in 2016 and then got experience working sales for the most luxurious car dealership in Miami, FL and in a banking position at J.P Morgan Chase. He then saw the opportunity in the digital marketing space, so he decided to invest into courses, mentors, books, and materials that would teach him how to grow his social presence. Chris then started his own agency, pursued his passion, and is now fulfilling his life’s purpose. Chris is a consultant, marketing expert, and CEO of Chris Diaz Agency. He is well known for his innate ability to revolutionize the way a brand is seen. He provides digital consulting for 6-7 figure entrepreneurs and elite businesses looking to grow their social presence and scale beyond their current standing. He also runs a 100M+ digital network filled with artists, entrepreneurs, athletes, influencers, and more which he leverages to drive more traffic to his clients businesses.

– Maria Brown

Instagram: @IM_MARIA_BROWN_OFFICIAL

Maria Brown, is a serial entrepreneur, investor, and business consultant. She is the definition of hard work and determination. CEO of Brown Consulting, Maria Brown has used her life’s biggest challenges and struggles as a force to inspire others to accomplish their dreams. An avid traveler and lover of life, Maria looks forward to continuing to run her multiple successful businesses and inspire others to do the same in 2020 and beyond.

CONTACT:

Paula Henderson

646-736-2071
[email protected]

About VIP Media Group:

VIP Media Group is a hybrid PR agency. Their diverse client base includes top-class entrepreneurs, public figures, influencers, and celebrities.

SOURCE: VIP Media Group

View source version on accesswire.com:
https://www.accesswire.com/597516/Top-Entrepreneurs-you-Cant-Miss-During-Covid19



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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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Credit Repair Companies

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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