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How Fast Can Your Credit Be Repaired?

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Improving Your Credit Score

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Credit Repair Services Better Business Bureau Reliability Seal

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:

    Best Credit Repair
  • 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!

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.
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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.

 

Not All Credit Repair Agencies are Equal. Here's How to Avoid the Scams

If you find yourself with a lower-than-desirable credit score, it might be tempting to jump at the first offer you get for help. Instead, your top priority should be finding a reputable and legitimate credit repair agency. Having good credit can save you ...

Published:  Tue, 22 Nov 2016 14:18:00 GMT



8 Credit Repair Mistakes That Will Cost You

Rebuilding a poor credit score can seem like an overwhelming task, especially as bad credit puts you in a rotten financial situation. With bad credit you get much higher interest rates, and can often get completely denied when you apply for a new account.

Published:  Tue, 22 Nov 2016 04:37:00 GMT



CFPB Monthly Complaint Snapshot - debt settlement, check cashing, money orders, and credit repair

This month's Consumer Financial Protection Bureau (CFPB) complaint snapshot highlights consumer complaints about financial services such as debt settlement, check cashing, money orders, and credit repair. The report shows that consumer complaints about ...

Published:  Fri, 02 Dec 2016 06:05:00 GMT



Discover Just Made it Easier for Secured Credit Cardholders to Upgrade

Credit.com is owned by Progrexion Holdings Inc. which is the owner and administrator of a number of business related to credit and credit repair, including CreditRepair.com, and eFolks. In addition, Progrexion also provides services to Lexington Law Firm ...

Published:  Fri, 02 Dec 2016 08:41:00 GMT



CFPB's Monthly Complaint Report Focuses on Debt Settlement, Credit Repair, and Other Financial Services

On November 29, 2016, the Consumer Financial Protection Bureau (CFPB) released its monthly complaint report. For the month of October 2016, the products and services generating the most complaints were debt collection, credit reporting, and mortgages ...

Published:  Wed, 30 Nov 2016 08:06:00 GMT



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