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Credit Firm vs Veracity Credit

Best Credit Repair

To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of Credit Firm and Veracity Credit.

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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.

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.

Continue reading below reviews

Best Reviews

2018

Credit Repair Reviews

3.5 stars
Credit Firm

CREDIT FIRM Visit Site

Cost:

$39.95 per month

Credit Firm is a professional credit repair service that has helped over 60,000 consumers in all 50 states to improve their credit scores since their inception in 1997. As one of the leading credit repair companies in the nation, Credit Firm offers aggressive assistance with removing bankruptcies, judgments, tax liens, collections, late payments, repossessions, foreclosures and other harmful items from the credit reports of their clients. Their goal, of course, is to greatly improve the credit scores of their clients.

Credit Firm offers prospective clients free credit consultation up front so that they may determine the specific credit goals of each client. A debt consultant tailors each credit improvement plan to the goals of each client, whether that goal is buying a house, a car, or just improving the raw credit score. This personal focus was something we didn't see with all other credit repair services and is an important factor as every client's needs are different.

Easily found on the Credit Firm website is a list of actual results of real clients, as well as statistics showing the average client has 10 negative credit items removed from their credit reports after the first three months, and 30 items removed within the first year. Credit Firm also has an impressive list of industry credentials displayed on their website. They received an A- from the Better Business Bureau, and are also verified by SiteLock, Comodo SSL confirm, Authorize.net and Trustwave. Additionally, there are dozens of testimonials from satisfied customers telling their stories of improved credit after using Credit Firm's credit repair service. Customer satisfaction seems to be quite high and 9 out of 10 of their former customers said they would recommend Credit Firm to their friends and family.

The process at Credit Firm is simple. Clients can sign up online or call their toll free number to work with a credit repair specialist to get their account opened. After that, clients must forward a copy of their current credit report to their credit repair consultant at Credit Firm. Then Credit Firm begins working directly with each client's creditors to remove negative items and begin repairing their credit.

There are no hidden fees with Credit Firm. Included with the monthly fee are unlimited credit bureau challenges, inquiry challenges, debt validations, escalated information requests and cease and desist requests. Everything is included in the monthly service fee, which is lower than most of the other credit repair services we reviewed. There is also an excellent educational section with detailed explanations on what a credit report is, how it can affect personal finances, where copies of credit reports can be obtained, and tips on best practices for clients to keep their credit scores high. Credit Firm offers a very complete, reliable credit repair service for an excellent value, and we encourage anyone with credit repair needs to consider this company.

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3 stars
Veracity Credit

VERACITY CREDIT Visit Site

Cost:

$69 one-time setup fee + $49 monthly charge

$99 one-time setup fee + $79 monthly charge

Veracity begins by pinpointing the end goal: credit power. Better credit for that home loan, a better credit card interest rate, or optimal buying leverage for a home or vehicle. But Veracity also give you the truth about credit repair, that it isn't an over night process or an easy solution for real debt. Their goal is quick results on your credit report to ensure its accuracy and reliability. Even more than that, Veracity strives to target specific items on your credit report affecting your credit score or ability to achieve your credit goals and makes those corrections and deletions a priority over more non-essential items.

You can select from two levels of service; either "Select" or "Platinum". The Platinum level provides additional services of Select, including priority processing and a personalized credit optimization plan. Once you've enrolled, you are contacted by a personal consultant to procure your credit reports and custom-design your credit repair process. Inquiries about your credit progress can be made via online chat or by toll-free phone service. You'll begin seeing results from the credit bureaus in 30-45 days, and all you have to do to continue getting "better credit for an easier life" is forward your updated credit reports to Veracity.

They have a great FAQ page on credit repair questions, and a page of scenarios describing client situations they have assisted with. They also make no bones about declaring that they have no set refund policy, have rarely offered a full refund to a client, and expect that the personalized services they offer are worth the enrollment cost and monthly fee. They do offer a $25 discount on the 2nd account for couples signing up for credit repair together.

Veracity's website is straight forward and easy to navigate. What they don't have in fancy account services or instant online credit report access, they make up for in honesty and simplicity. As a competitive credit repair service, Veracity has something to offer. Veracity has been in business since 1998, an is a member of the BBB.

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Continued from above

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?
  • 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!

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