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For many years, Lexington Law was the provider of choice for credit repair services. Why? With more than 27 years of experience and millions of negative items deleted from customers' credit histories every year, it's easy to see why people turned to them for credit repair.
We're still of the opinion that they have something to offer when it comes to credit repair, so we'll get to their packages shortly. First, however, it's important to understand two things: their fees have nearly doubled over the last five years, which could be related to having reached a settlement in Maryland over allegations of not conducting their business properly with respect to all legal requirements within the industry. This changed their grade with the Better Business Bureau; at the time of our last review, Lexington Law enjoyed a respectable "A-", but during our most current survey of their services they were designated as "Not Rated" while the BBB reevaluates their score.
Lexington Law is more expensive than many credit repair services. They have 3 tiers of service:
With what they charge, is Lexington Law effective at helping people improve their credit history? As you'd expect with such a large business, the reviews are mixed. Most credit repair services are criticized for not making noticeable improvements in less than two months, but that's to be expected. But, Lexington seems to have a higher-than-average number of people who say that they didn't get prompt responses from company reps, not just that their reports didn't improve quickly. On the other hand, we found numerous people saying that their credit scores improved dramatically as they stayed with the service, usually for six months on average.
Lexington Law's track record within the credit repair industry has helped keep them afloat, but their higher pricing and troubles with their BBB rating have dropped them to the middle of the pack compared with the competition.
Credit Assistance Network is one of the few credit repair providers that offers a pay-as-you-go pricing structure. You'll make an initial payment of $179 (or $279 for a couple), which gets you access to one -on-one consultations with a certified FICO professional, debt validation/goodwill letters to creditors, cease and desist letters to collection agencies, and unlimited disputes. From there, you'll be charged for every deletion CAN is able to achieve on your account - $50 for confirmed deletions per bureau, and $70 for deletions from public records. That could add up very quickly, if you have multiple issues on your credit history.
You'll also be expected to provide your credit history to Credit Assistance Network, at your own cost; it's not included with their repair services.
Will you get effective credit repair services from Credit Assistance Network? Their reputation is puzzling. On the one hand, they've been in the industry for more than 10 years and have only positive reviews on the Better Business Bureau website - and yet, their rating with the BBB is only a mediocre "C+". We also felt misled by the CAN website, which said that their rating was a flawless "A+". Can you trust a company to repair your credit if, from the very start, they're not fully honest with their own reputation?
Or, maybe this provider doesn't update their site very frequently: at the time of our review, their most recent blog post was nearly 5 years old. But, again, should you choose a credit repair company that doesn't stay current - with new regulations affecting consumers and their credit scores? Probably not.
In this provider's FAQ, it states, "We our experts." Typos, misinformation about a BBB rating, and expensive a la carte-type pricing are all reasons for Credit Assistance Network's low ranking among businesses offering credit repair services. You'll have a much smoother, effective experience elsewhere.
Best Credit Repair Companies
To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of Lexington Law and Credit Assistance Network.
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.
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:
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!
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:
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:
Credit Repair In The News
[Disclosure: Lexington Law Firm advertises on Credit.com and Credit.com may receive compensation if you sign up for credit repair services with Lexington Law Firm.] Having a great credit score is ...
Published: Wed, 05 Dec 2018 05:13:00 GMT
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You have more chance of your lender approving your mortgage or offering you low interest rates if you have a good credit score. Your credit score tells lenders how reliable you are as a borrower. The ...
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If you have a checkered credit history or none at all, secured credit cards can be the best way to build a positive credit file. If you're going to apply for credit card with bad credit, there are a f...
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