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      February 8, 2016
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Sky Blue Credit Repair

Credit Repair Services
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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 for their reviews. We are not compensated by companies for their reviews, but we are compensated for links and advertisements on our website. Click here for details.

2016

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
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

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

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 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.
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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
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.

 

 

 

Ways To Spot A Credit Repair Scam

PHILADELPHIA (CBS) - What's your credit score? To some that three digit number can be more like a dirty word. If you want to improve your score consumer reporter Jim Donovan warns, be careful. Scammers can not only steal your information, but may ...

Published:  Fri, 05 Feb 2016 04:21:00 GMT



N.Y. dealer: We sold credit repair product 'we didn't realize was illegal'

After credit repair vendor Credit Forget It provided New York dealers a credit repair product that was later deemed illegal, many dealerships have come under fire by the state's attorney general. Just last month, New York Attorney General Eric ...

Published:  Wed, 03 Feb 2016 08:59:00 GMT



Watch out for credit repair scams

NEW HAVEN, Conn. (WTNH/CNN) Some of you may be looking to improve your credit score this year, but trying to do good may just hurt you in the long-run. News 8 is helping you stretch your dollar with a warning about credit repair scams. Scammers can not ...

Published:  Tue, 26 Jan 2016 15:50:00 GMT



Credit repair scheme could make you an identity thief

Click to share on Twitter (Opens in new window) Click to share on Google+ (Opens in new window) Share on Facebook (Opens in new window) Click to share on Pinterest (Opens in new window) (CNN) - What's your credit score? To some, that three digit number ...

Published:  Tue, 26 Jan 2016 01:03:00 GMT



Heritage Credit Group Releases Report on the Revolution of the Credit Repair Industry

Central Coast credit repair company, Heritage Credit Group, released a report this week about the revolution of the credit repair industry - http://heritagecreditrepair.com/ Central Coast credit repair company, Heritage Credit Group, released a report ...

Published:  Fri, 05 Feb 2016 00:21:00 GMT



CFPB Issues Seventh Monthly Complaint Report; Highlights Include Complaints on Debt Settlement and Credit Repair Companies

The Consumer Financial Protection Bureau (CFPB) released its latest monthly consumer complaint report on consumer complaints in December about financial services. The report highlights that complaints on debt collection were still the largest volume of ...

Published:  Mon, 01 Feb 2016 08:15:00 GMT



How will my credit rating affect me when I apply for a job?

Two methods are recommended for credit repair: do-it-yourself and professional repair agency. Familiarize yourself with some of the laws that surround credit repair companies. The Credit Repair Organizations Act was drafted to protect you, the consumer ...

Published:  Sun, 31 Jan 2016 01:11:00 GMT



All You Need to Know About Rapid Rescore

How is Rapid Rescore different from a credit repair service? Credit repair services more often than not attempt simply to eliminate damaging criteria from your credit report, regardless of whether the information is accurate. This is often done without ...

Published:  Thu, 28 Jan 2016 13:10:00 GMT



Watch for scams if you're seeking to have your credit repaired

And some scammers see an opportunity. According to the Federal Trade Commission, there are a few easy ways to spot a credit repair scam. The first is if the company asks for payment before they render any services. Also, it's a red flag if they ask that ...

Published:  Mon, 25 Jan 2016 05:19:00 GMT



CFPB Monthly Complaints Snapshot Highlights Debt Settlement, Credit Repair Services

The CFPB has handled more than 790,000 complaints nationwide as of Jan. 1, and areas focused on in this month's report, New York State and the New York metro area, mirror national trends with their complaints. The Consumer Financial Protection Bureau ...

Published:  Fri, 29 Jan 2016 10:29:00 GMT



 

 

 

Sky Blue Credit Repair

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