Friday, January 15th
2021 Credit Repair Company Reviews
Lexington Law
- Cost: $89.95 to $129.95 per month, depending on the selected package
Lexington Law has been the gold standard for credit repair for many years, starting in the early 90s and helping hundreds of thousands of clients to remove negative items from their credit reports. Their pricing is higher than many competitor services, and a lawsuit settlement in 2015 brought their BBB rating from an "A-" to Not Rated while they're under review.
Credit Repair Consultants
- Cost: $189 application/enrollment fee ($309 for couples)
- Monthly service fees starting at $59.95/month
Credit Repair Consultants has been in business for more than 15 years. But, with outdated information on their cluttered website, and no responses to inquiries by customers and the Better Business Bureau, this credit repair service can't compete with our higher-ranked providers.
Who's the Best Credit Repair Company?
Most Americans know that a good credit score and credit history are important. That one number, your credit score, can determine your ability to get a loan for school or for a car, be approved as a tenant, or to qualify for a credit card.
Unfortunately, when your credit history is less than fantastic - because of making payments after the due date, having too many credit inquiries, or even having mistaken information associated with your identity - you'll have fewer options when you need to make a major purchase. You may even have to pay higher than average rates on your car insurance or your mortgage.
Credit Repair Company FAQ
Continued from above...
Using a reputable credit repair company puts you back in control of your financial reputation. These services work on your behalf to reduce or eliminate any negative factors in your credit history, working directly with collection agencies, creditors, and even with the three primary credit bureaus. With the help of a credit repair company, you can improve your score and even put a stop to negative information being reported on your accounts. Most services take several months before you see measurable results on your credit report, so adjust your expectations accordingly.
With so many services advertised in the media and online, how can you tell if a credit repair company is reputable and effective? As you compare the various providers, here are several criteria to keep in mind:
- Reputation. What do past and current users of the credit repair service have to say about the experience? Is the company accredited and/or rated by the Better Business Bureau?
- Cost. What will you pay to fix your credit history? Should you expect a one-time fee or a monthly payment structure? How do the costs compare with other providers'?
- Guarantee. Does the credit repair service guarantee that they will improve your credit score and/or history? Can you get a refund if you are unhappy with their service for any reason?
TopConsumerReviews.com has reviewed and ranked the best credit repair companies available today. We hope this information helps you find the right credit repair program that meets your needs and gets you on your way to an improved credit history!
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