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Saturday, June 25th
Since 2012, Credit Repair has been helping people to get negative items removed from their credit reports: they say that the average client sees a 40-point increase in their credit score in the first six months alone. Although this company's reputation has improved since our last review, it's not quite enough to give them our recommendation. Credit Repair will need to get more open with their pricing and show more positive client feedback first.
In business since 1998, Credit Repair Consultants claims to have worked with over 20,000 clients to repair their credit. And yet, there's almost no proof that they've helped anyone: blog posts are outdated, social media pages have been virtually silent for over a year, and even the BBB says there's not enough information to give this company a rating. While we like the idea of having three tiers of service to choose from, you're ultimately going to find better results with a more active and reliable credit repair company.
Americans have finally started to understand the importance of a good credit score: from 2011 to 2021, the nationwide average increased from 689 to 714! Anything over 700 is considered to be "good" and can be the key to opening doors financially - everything from renting an apartment to securing an auto loan or mortgage may rest on your credit report.
Unfortunately, not everyone understands what goes into a positive credit history. Late payments, applying for multiple credit cards in a short period of time, or even problems with mistaken identity can all lead to a less-than-excellent credit profile. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt.
That's where credit repair services enter the picture. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. Depending on which company you choose, the service might also include cease and desist letters, goodwill letters to help you qualify for credit in the future, credit monitoring to keep you on track, and one-on-one coaching.
You shouldn't expect miraculous, rapid increases in your credit score - most credit repair processes result in a modest increase of about 40 points, though some may bring you up by 100 points or more - but it could be what makes the difference for your financial goals and credit needs.
As you start to explore the possibility of credit repair, you'll soon see that there are many providers hoping to gain your business as a client. Which one is the best for you? Here are a few things to keep in mind as you decide:
To help you get your finances back on track, TopConsumerReviews.com has evaluated and ranked the most popular credit repair services available today. We're confident that this information will give you everything you need to choose the right partner in your journey towards a fantastic credit report!
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