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Sky Blue Credit vs Lexington Law

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SKY BLUE CREDIT

Sky Blue Credit Repair provides personalized service and over 20 years of experience to help customers with credit problems. They have a strong knowledge of the FICO scoring method, the laws that govern the credit reporting process, and the methods used to rebuild credit. You won't run into hidden fees with this company and you only pay for the service as long as you need it.

To get started, the Sky Blue Credit Repair process is very straightforward:

  • You sign up with Sky Blue online
  • You obtain your credit reports and send to Sky Blue
  • Sky Blue examines your reports line-by-line, identifying the items that are harming your score and the opportunities to improve it
  • Sky Blue challenges the credit bureaus with erroneous items and stays on them until they are cleared up

Sky Blue charges a low one-time $59 setup fee and only $59 a month thereafter for their service. Included in this service is unlimited credit bureau disputes and debt validations. Sky Blue also provides comprehensive counseling services when needed. For married couples, Sky Blue encourages your spouse to join as well, and they even offer a 50% discount on your spouse's monthly fee.

If you still have insufficient credit after Sky Blue Credit Repair has disputed and corrected the erroneous items, Sky Blue counselors use their experience to guide you through the process of continuing to build your credit and improve your credit scores. Utilizing a variety of options and subtle adjustments, this valuable service helps make sure your credit repair is a success.

The representatives at the Sky Blue customer service department (1-888-906-1327) are knowledgeable and very friendly. And if you aren't satisfied with the service you receive from Sky Blue Credit Repair, they will refund your money in full - no questions asked. This is perhaps the most simple and reassuring guarantee in the business.

Sky Blue Credit Repair provides a very high quality credit repair service. They are free of any hidden fees and have no large out-of-pocket expenses. The customer service associates are knowledgeable and friendly, and our research has shown a large base of people that praise their attentiveness, effectiveness, and service level. They've even earned the prestigious Fair Credit Reporting Act Certification from the Consumer Data Industry Association. Their satisfaction guarantee is among the best we've found and are member in good standing with the BBB (Better Business Bureau). For all these reasons, Sky Blue Credit Repair earns our highest rating.

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LEXINGTON LAW

Lexington Law is a nationwide company that has been in the business of helping consumers remove credit inaccuracies for over 22 years. They are responsible for correcting over 2.5 million questionable items each year and employ a team of lawyers and paralegals that are experts at credit repair laws.

Credit repair with Lexington law is a very simple process. First, Lexington Law needs a copy of your credit reports from the 3 credit bureaus (TransUnion, Experian, and Equifax). If you don't already have them, Lexington Law can assist you in obtaining them after signup. Once Lexington has received your reports, you use the simple online Dispute Valet service to choose which items to dispute and how to dispute them. Throughout this entire process Lexington is available 24 hours a day, 7 days a week via toll-free phone service, email, and online chat support (customer service support is also provided in Spanish.)

After you've finished with the Dispute Valet, Lexington Law goes to work for you by challenging the credit bureaus and your creditors to provide verifiable, accurate information regarding the negative items you have chosen to dispute. Once each negative item has been challenged, the credit bureau has 30 days to investigate the dispute and provide you with their results as well as an updated credit report. Once you receive your updated report, you'll send that report over to Lexington so that they can continue the dispute process with the most current information.

Lexington Law has three levels of service. All levels include unlimited disputes, Lexington's risk-free refund policy, free support, no contracts, no additional fees and an anytime cancellation option.

  • If you're looking for basic credit repair, the Lexington Regular ($39.95 per month) is a standard credit repair service that offers unlimited credit disputes.
  • While still performing the basic credit repair service, the Concord Standard ($59.95 per month) is designed to enhance your relationship with your creditors as an extra effort to ensure that your credit report remains as accurate as it can be.
  • The Concord Premier ($79.95 per month) goes one step further by providing a monthly credit score analysis and a ReportWatch service to alert you to both positive and negative impacts to your credit score.

Lexington's service begins with an easy sign-up on the web via their VeriSign secured site. Their site is very professional and provides detailed information about their services as well as an overview of the credit repair process. Also on the website are helpful evaluation materials such as the "Credit Cost Calculator", where you can compute how much your bad credit is costing you, and a service analysis chart in case you have trouble deciding which Lexington plan is right for you. In case you'd like to know who will be taking responsibility for your personal credit repair, you can view the firm's attorney profiles and even view a video interview.

If questions arise, Lexington Law paralegals are available 7 days a week for assistance. Using their toll-free customer service line at 1-866-943-1521, we found their customer service representatives to be both knowledgeable and helpful. Clients can also access their case online 24 hours a day / 7 days a week to view account progress, get credit advice, upload communications, and more.

Lexington Law views credit repair as a personal process, with specific, individualized intervention for each client. If Lexington Law fails to provide the agreed upon services, as identified by the service level you select, you will not be billed for that month, or the charge will be refunded if already processed.

Serving clients in debt repair since 1991, Lexington Law is a member of the Better Business Bureau Online (BBB Online) and has an A- rating. Quarterly published statistics regarding their successes can be found on their web page.

If you are seeking to re-establish good credit by correcting your credit report, Lexington Law is a professional source for quality credit repair. They earn high marks for the professionalism of their website, their long and impressive history, their detailed explanation of services, around-the-clock availability and more.

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Credit Repair Services

To help you find the Best Credit Repair Services, TopConsumerReviews.com provides you with an in-depth comparison of Sky Blue Credit and Lexington Law.

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.

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!



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:

  • If you do your credit repair research online you avoid the annoying sales pitch from a pushy salesman that is most concerned about their next commission check.
  • Perform your research when it's most convenient for you, in the quiet of your home and without children playing or co-workers nearby.
  • The internet allows you to quickly identify the services of several credit repair companies at once. If you are looking for credit dispute offerings plus advice on how to improve your credit score long term you can easily identify what companies offer this level of service.
  • Knowing what several companies charge for their repair services provides you the knowledge to make an educated decision. Feel confident that you are improving your financial outlook and doing so while saving money over other providers.
  • The internet will allow you to read and educate yourself on the Fair Credit Reporting Act that governs credit agencies, promotes accuracy in reporting and regulates how negative information is reported and disputed.

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:

  • Make sure you identify a credit repair company with a solid reputation before considering it a worthy contender. Look for red flags like promises to wipe your credit clean with little effort, a request for a large payment upfront to cover costs, or discussions of creating a new identifier to fool the credit agencies.
  • Make sure you understand what you're signing up for. Will you be obligated to use the service for a specified period of time? Do they identify rules on how many disputes they will file in a specific period? Make sure you read the fine print and understand their policies before moving forward.
  • When you're working closely with your credit repair service you'll appreciate the convenience of companies that offer an online account for you to monitor the status of their efforts. Companies that require a lot of hand holding, phone calls, and emails are not going to be efficient.
  • You'll want credit repair company that puts the customer first. Companies that fail to return calls timely or are unprofessional on the phone are going to wear thin over time. Make sure you identify if your credit repair company of choice prioritizes the customer.

 



Credit Repair In The News

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Can Credit Repair Companies Really Improve My Credit Report

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How to Repair Your Credit When You're Still in College

If you're in college, you're probably already worrying about getting good grades, covering your living expenses, and repaying student loans when you graduate. So, worrying about your credit score might not be your biggest concern. But it should be.

Published:  Tue, 06 Mar 2018 03:43:00 GMT



Montgomery credit repair company shut down, accused of deception

A Montgomery credit repair company has been permanently closed for deceptive and illegal practices, according to Alabama Attorney General's Office. Attorney General's Steve Marshall's office reached a settlement with Scott's Credit Repair and its ...

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