Our reviewers evaluate products and services based on unbiased research. Top Consumer Reviews may earn money when you click on a link. Learn more about our process.
Saturday, December 3rd
Lexington Law has worked with over eight million clients, repairing credit through tens of millions of removals, challenges and disputes. Monthly pricing is higher than average here, and not all customers feel like the services are worth the investment. This is a trustworthy company and we're not overly concerned about their business practices, but you've got other credit repair services to consider that won't charge quite so much.
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.
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!
Select any 2 Credit Repair Companies to compare them head to head
Best Bad Credit Loans: Top 6 Online Personal Loan Lenders of 2022
Fortunately, there are online lenders that specialize in loans for bad credit borrowers. The best bad credit loans offer reasonable interest rates, flexible payment terms, fast funding, and an easy ...
Mon, 21 Nov 2022