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Your credit score and credit history are extremely important pieces of information. They are used to determine how much home you can afford; what your payments will be on your car; whether you qualify for credit cards; and even how much you'll pay for auto insurance.

Repair Your Credit with Sky Blue Today Many times, however, people find their credit history contains negative information. This can range from late payments or too many credit inquiries, to collection agencies or inaccuracies. This negative information can restrict your purchase options and drive up your costs. A good credit repair service will take on these negative items in your credit history and work to remove them or reduce their severity. They can work directly with the credit bureaus, your creditors, and collection agencies, and use a variety of tactics to get them to stop reporting negative information.

Unfortunately, there seems to be just as many fraudulent credit repair firms running scams as there are legitimate credit repair services. There are a number of features to consider when comparing credit repair services. Some of these include:

  • Effectiveness.  Do they have a successful track record of improving credit scores?
  • Cost.  How do their fees compare with other credit repair services?
  • Guarantee.  Do they back up their service with a refund policy?

TopConsumerReviews.com has reviewed and ranked the best credit repair programs available today. We hope this information helps you reestablish your good credit right away!

Disclosure: We pay our reviewers and we are compensated for our reviews. Click here for details.

Credit Repair Reviews

5 stars
Sky Blue Credit

SKY BLUE CREDITTopConsumerReviews.com Best-In-Class Blue Ribbon Award

Sky Blue Credit Repair has been assisting individuals with their credit repair needs for over 20 years. They offer a comprehensive package to dispute issues and rebuild your credit. If you aren't satisfied, they'll even refund your money - no questions asked. They earn our highest rating. Read More... Visit
Site

4.5 stars
Lexington Law

LEXINGTON LAW

With a long history of restoring good credit, Lexington Law is a professional credit repair service that has satisfied more than 500,000 customers. Lexington hires lawyers and paralegals that are experts in the area of credit repair laws nationwide and is successful at removing over 2.5 million inaccuracies each year. Read More... Visit
Site

4.5 stars
Ovation Credit Report Repair

OVATION CREDIT REPORT REPAIR

With free credit consultation available even before you enroll, and 37 years of experience in consumer credit repair, Ovation Credit Report Repair offers customized credit repair service with easy online access to your credit repair information. Read More... Visit
Site

4 stars
Credit Repair

CREDIT REPAIR

Credit Repair is a full service credit repair and financial improvement center without contracts or hidden fees. A professional credit repair option from experts in the business. Customer friendly tools and education are added benefits at Credit Repair. This company is a strong choice for anyone wanting to improve their financial picture. Read More... Visit
Site

4 stars
The Credit People

THE CREDIT PEOPLE

The Credit People offers unlimited credit repair for one set fee. The Credit People earns high marks for providing straightforward credit repair services with a generous 6-month full-refund policy. Read More... Visit
Site

3.5 stars
Credit Firm

CREDIT FIRM

Credit Firm has been in the credit repair business for over 25 years. They have created a professional service that is committed to customer service as well as saving you money. Their monthly fee is all encompassing of any credit repair actions needed to improve your credit score. Credit Firms strong Better Business Bureau proves their success. Read More... Visit
Site

3.5 stars
Academy Credit

ACADEMY CREDIT

Academy Credit provides great resources for understanding and evaluating your credit report rights. Their promise is to fight for your credit rights regarding your credit reports so that you don't have to. Read More... Visit
Site

3 stars
Credit Assistance Network

CREDIT ASSISTANCE NETWORK

Credit Assistance Network is a credit improvement company that uses legal credit dispute methods to remove inaccurate credit report items. Unfortunately, customers can't anticipate the startup or monthly charges without first speaking to a representative, and their fees can be quite excessive in comparison to other companies. Read More... Visit
Site

3 stars
Veracity Credit

VERACITY CREDIT

Veracity Credit asks where you want your credit rating to take you before determining what kind of service they will perform. Read More... Visit
Site

2 stars
My Credit Group

MY CREDIT GROUP

My Credit Group aims to provide quality, customized credit repair service with results that you can see. Their pricing offers a discount rate for couples that sign up together. Read More... Visit
Site

2 stars
E Credit Attorney

E CREDIT ATTORNEY

E Credit Attorney does a good job explaining your credit report and describing your options. Their service pricing is relatively low, and they offer a refund evaluation after 1 year. Read More... Visit
Site

1 star
Credit Repair Consultants

CREDIT REPAIR CONSULTANTS

Credit Repair Consultants provides very good information on your credit report and credit score. However, their prices are relatively high and service language contradictory. Read More... Visit
Site

Choosing a Credit Repair Company

If your credit score needs some professional help here's how to search for a quality credit repair company.

Start at the Computer
Searching online for a credit repair company provides many benefits in finding and choosing the right service provider for you and here's why:

  • If you do your credit repair research online you avoid the annoying sales pitch from a pushy salesman that is most concerned about their next commission check.
  • Perform your research when itís most convenient for you, in the quiet of your home and without children playing or co-workers nearby.
  • The internet allows you to quickly identify the services of several credit repair companies at once. If you are looking for credit dispute offerings plus advice on how to improve your credit score long term you can easily identify what companies offer this level of service.
  • Knowing what several companies charge for their repair services provides you the knowledge to make an educated decision. Feel confident that you are improving your financial outlook and doing so while saving money over other providers.
  • The internet will allow you to read and educate yourself on the Fair Credit Reporting Act that governs credit agencies, promotes accuracy in reporting and regulates how negative information is reported and disputed.

Look for These Characteristics
When searching for the best credit repair company look for the following characteristics in a quality company before making your selection:

  • Make sure you identify a credit repair company with a solid reputation before considering it a worthy contender. Look for red flags like promises to wipe your credit clean with little effort, a request for a large payment upfront to cover costs, or discussions of creating a new identifier to fool the credit agencies.
  • Make sure you understand what you're signing up for. Will you be obligated to use the service for a specified period of time? Do they identify rules on how many disputes they will file in a specific period? Make sure you read the fine print and understand their policies before moving forward.
  • When you're working closely with your credit repair service you'll appreciate the convenience of companies that offer an online account for you to monitor the status of their efforts. Companies that require a lot of hand holding, phone calls, and emails are not going to be efficient.
  • You'll want credit repair company that puts the customer first. Companies that fail to return calls timely or are unprofessional on the phone are going to wear thin over time. Make sure you identify if your credit repair company of choice prioritizes the customer.

 

 

 

Fiance and Finances
In fact, 91% indicated a preference for entering marriage debt-free as opposed to having a dream wedding. "Marriage is a lifelong commitment built on trust, clear communication and honesty," said John Heath, Directing Attorney for Lexington Law. So how does one go into a marriage with a solid financial standing?
Publication Date: Fri, 30 Jan 2015 11:09:00 -0800

How rapid rescore works when applying for a mortgage
If you have errors on your credit report that could block a mortgage application, choosing a rapid rescore option could help, if your lender offers it
Publication Date: Thu, 29 Jan 2015 05:00:00 -0800

Midland foundations award $80,000 in grants for Homeowner Empowerment Program
Mid Michigan Community Action Agency recently received a $50,000 grant from The Herbert H. and Grace A. Dow Foundation and a $30,000 grant from the Rollin M. Gerstacker Foundation for its Homeowner Empowerment Program, which provides individuals and families assistance with obtaining financial self-sufficiency through budgeting, homebuyer education, credit repair, foreclosure prevention and down ...
Publication Date: Mon, 19 Jan 2015 09:15:00 -0800

Enrich Financial office of Credit Repair Specialist by Arian Eghbali joins The West Valley~Warner Center Chamber of ...
Arian Eghbalis credit repair service provider, Enrich Financial has become a member of the The West Valley~Warner Center Chamber of Commerce, the largest chamber in the San Fernando Valley which includes Tarzana, Woodland Hills, Reseda and Winnetka . Enrich Financial; a credit repair service provider membership has been approved after the organization was satisfied they have met all the ...
Publication Date: Wed, 14 Jan 2015 14:11:09 -0800

MoneyTV with Donald Baillargeon, 1/9
LOS ANGELES, Jan. 9, 2015 /PRNewswire/ --Alzheimer's, credit repair, medical marijuana, oil and gas; this week on MoneyTV with Donald Baillargeon. MoneyTV is the internationally syndicated television ...
Publication Date: Fri, 09 Jan 2015 02:00:00 -0800

The One Simple Trick That Will Make Your Credit Score Jump Like Jordan In 2015
Everyone wants to have a better financial 2015. Here's one way to make that happen. The post The One Simple Trick That Will Make Your Credit Score Jump Like Jordan In 2015 appeared first on MadameNoire .
Publication Date: Sat, 03 Jan 2015 06:56:47 -0800

3 Credit Scams You Need to Watch Out For
3 Credit Scams You Need to Watch Out For
Publication Date: Sat, 03 Jan 2015 06:17:24 -0800

Romance is in the Air - Valentine's Day Travel Offers from Personal Luxury Resorts & Hotels and Benchmark Resorts & Hotels
The two signature portfolios of Benchmark Hospitality International®, a leading U.S.-based hospitality management company, have announced their Valentines Day travel packages, promotions and events.
Publication Date: January 30, 2015

Franklin County Visitors Bureau Looks Ahead to 2015
The Franklin County Visitors Bureau is looking ahead to an exciting year filled with opportunities to explore learn and discover.
Publication Date: January 29, 2015

Olum's Announces New Store Manager for Mattydale Location
Olum's, a furniture store in Syracuse, NY, announces their new store manager, Karen Farruggio. Karen has more than 13 years of experience in furniture retail and has been with the company since 2005.
Publication Date: January 27, 2015

Trystate Mechanical Completes HVAC Retrofit as Part of Restoration of Historic Kings Theatre in Brooklyn
Leading New York metro-area mechanical construction, service and energy services firm Trystate Mechanical is pleased to announce the completion of new cooling and heating systems for the restored Kings Theatre in Brooklyn, NY.
Publication Date: January 27, 2015

Get the Most Out of Your Tax Refund: Car Credit Nation & TRS Tax Max Have Partnered to Offer a Special Drive Now, Pay Later Program
Car Credit Nation & TRS Tax Max partner to offer special deal.
Publication Date: January 27, 2015

Debt Settlement May Increase Tax Liability Warns New Article by Chicago Bankruptcy Lawyer Richard Fonfrias
Addressing the misconception that debt settlement is always better than bankruptcy, Chicago bankruptcy lawyer and financial rescue expert Richard Fonfrias (http://www.chicagomoneylawyer.com (http://www.chicagomoneylawyer.com)), warns of the potential adverse tax consequences of debt settlement in a new article posted to his website.
Publication Date: January 26, 2015

Cheaper Than a Geek in Crofton, Maryland Is TalkLocal's Business of the Month
The 14 Year Old Computer Repair Shop Was Lauded for Its Great Service to Customers
Publication Date: January 25, 2015

 

 

 

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