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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?
  • Best Credit Repair
  • 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!

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
The Credit Pros

THE CREDIT PROS

The Credit Pros have a unique, “pay for what you use” approach to credit repair, and customer reviews seem overwhelmingly positive. However, because of its shorter business history compared with other credit repair companies and a lack of easy-to-find statistical evidence as to their effectiveness, The Credit Pros rank as a mid-tier provider of credit repair services. 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
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 it’s 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.

 

 

 

There's no quick fix for poor credit scores

The BBB Scam Tracker has received numerous reports from consumers targeted by credit repair scams. Let's play out how this scam works. You get a phone call or see an ad for a company that claims it can instantly repair your credit. You contact the ...

Published:  Fri, 26 Aug 2016 12:27:00 GMT



Credit Karma Free Score: Is It Accurate for Credit Repair?

There are a number of websites that claim to provide the same services for free. However, by the time you sift through the scammers and the less than useful sites, you are left with only one seemingly worthy contender. Credit Karma is fully legit and is ...

Published:  Fri, 26 Aug 2016 01:00:00 GMT



DeletionExpert.com Provides Legitimate Answers for Consumers with Credit Re... PowerPoint PPT Presentation

In order to fix credit report issues before they create financial problems, a consumer must employ the services of the best credit repair company in the business. - PowerPoint PPT Presentation An Image/Link below is provided (as is) to download ...

Published:  Wed, 24 Aug 2016 21:01:00 GMT



Getting Pre-Qualified for a Home Loan: What You Need to Know

If you have had some rough times in the past and need assistance rebuilding your credit, contact an accredited financial counselor or a nonprofit credit repair agency. In addition to the above factors, you will be required to contribute to the purchase of ...

Published:  Wed, 31 Aug 2016 12:00:00 GMT



Take steps to check and repair your credit history

The Better Business Bureau's Scam Tracker has received numerous reports from consumers targeted by credit repair scams. Let's play out how this scam works. You get a phone call or see an ad for a company that claims it can instantly repair your credit.

Published:  Mon, 29 Aug 2016 21:39:00 GMT



Credit Repair Software - Dispute Credit | How to fix Credit Fast

Unique Credit Repair Software With Audio And Video-not Just Another E-book. The Worlds Simplest And Best Credit Improvement System. Check Out The Website And See The Difference. High Conversion Rates. You Will Be Amazed. See Affiliate Page For More Info.

Published:  Wed, 24 Aug 2016 08:18:00 GMT



4 costly credit score scams to avoid

If you are suffering from a low credit score, you might find the advertising of credit repair companies appealing. But you need to beware. When a company offers to "Erase your bad credit - 100% guaranteed," you should immediately be wary of a scam.

Published:  Tue, 23 Aug 2016 01:00:00 GMT



How Long Does a Credit Dispute Actually Take?

You can do this on your own for free. Or, if your dispute is complex and you're not getting anywhere, you can also consider hiring someone, like a consumer attorney, credit counselor or reputable credit repair firm. If you opt for outside help ...

Published:  Fri, 19 Aug 2016 17:56:00 GMT



Gamez Law Firm Expands Practice to Become "One Stop Shop" for Debt Relief Services

In addition to providing legal solutions for credit card debt, student loan debt, medical debt, small business debt, debt lawsuit defense, and mortgage debt; the Gamez Law Firm has expanded their services to include bankruptcy, foreclosures, credit repair ...

Published:  Wed, 31 Aug 2016 07:36:00 GMT



 

 

 

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