My view has always been to avoid credit repair agencies and start on your own. It is just the last option for you, to me. You can consolidate your debt and arrange for payoff assistance from your lender. you don’t really need help of experts. you just need to learn some tricks and you must be aware of some law. All information is available over the internet.
I am going to list the top 5 credit repair agencies you can reach out to when you think you do need experts’ help. Be careful and read the reviews about the company you elect to go with. be sure to ask all relevant questions and instruct them to keep you informed on every steps that they’ll take on your behalf with your creditors.
After going through a period of hardship in finances, it may be a great challenge to face your credit – it is very important, though. If you are worried about errors or disputes or worried about being approved for a loan or mortgage due to your really bad credit standing or very low credit score, there are credit repair agencies out there which may help you get back in shape. Here are the top five.
1 ) Lexington Law
Since 1991 Lexington Law Firm has been able to help over 500,000 clients for credit repair. They have given affordable services to help those with bad credit by means of their tools and knowledge about the laws, the process, and the path to help clients bring back their financial stability. You can find a full review of them here. Apart from credit repair services, they also provide assistance in many other legal matters. This firm’s practice includes working with all the 3 credit bureaus and get records of complete reports on write-offs, or what’s in a collection, or late
Lexington Law has twenty-four attorneys in nineteen states, and their headquarters is located in North Salt Lake City in Utah.
- They coordinate with the three credit bureaus in challenging your credit report
- They give reports on credit summary
- When it comes to credit repair services, they are one of the most experienced
- The rate of success for credit repair is high
- They are working overtime, 24 hours a day, 7 days a week to be able to help you get an acceptable credit score, and be qualified for a loan.
2) Credit Repair.com
CreditRepair.com is one of the providers of credit repair services which uses educational programs. They are equipped with tools and knowledge to make sure you know how to take care with your credit score, but compared to other credit repair services, they are more costly, and they are not so much into increasing one’s credit score.
They obtain your credit report but you have to pay for that. If you want, they can also work with the 3 credit bureaus and with your creditors, so they can monitor your credit, and prevent identity theft. Cancellation of their services may be requested anytime without paying cancellation fees.
They offer several educational resources on their website, and they maintain a blog that’s really helpful. It recommended that you take advantage of these resources to help you better understand finances and credits.
The company is headquartered in Seattle, Washington.
- You can manage your account and track your progress 24 hours, in seven days, through your mobile app or online account. Set up fee and monthly service fee applies.
- They coordinate with your creditors and the three credit bureaus to clarify items reported negatively.
- Service is very personalized
- Averagely, old members had an increase of 40 points in their credit score in four months.
Sky Blue Credit is another provider of credit repair services that promises to bring back your financial health in approximately nine months. They offer solutions and options if you are having a hard time understanding your credit report or if you just don’t have time to manage it.
Compared to other credit repair agencies, Skyblue has more years of experience. They have great features, customer support, and services. They don’t have online support, though, from where you may seek assistance through live chat, or manage your account.eed
Most issues of Sky Blue clients are resolved in nine months, but this program length may still be shorter or may be longer depending on one’s situation. They can give you an increase of 100 to 200 points in your credit score – this may change though as it is dependent on your credit report, because if proven by the credit bureaus that a certain negative hit that’s showing on your credit report is, in fact, valid, they are not able to remove it.
The company is located and Boca Raton, Florida, and has been providing services since 1989. They have operations in many states, and as required, they are registered and licensed with the office of the Attorney General in an individual state.
- Customer service is responsive, confidential, and professional
- Start in two minutes just by filling out an online form.
- Disputes on credit bureaus are managed professionally
- They accept major debit and credit cards.
- No penalties when you cancel anytime.
- .They work hard and fast. In 35 days, they can challenge more or less than fifteen disputes.
- Couples Discounts: $99 Setup and review and $99 monthly service fee
- Offers money back guarantee for 90-days
4) Credit Saint
Programs of Credit Saint runs in a cycle of forty-five days. Every end of the cycle, three credit reports will be delivered to your home. Such reports are the results of the program, and it shows which disputed items on your credit report has been resolved. All you need to do id is to send these reports to them by fax, snail mail, or email, so you can check updates on your progress report.
This progress report update will give complete details on the initial negative items that you disputed, and which of these has stayed in your credit report. Once this update is provided a new cycle will be started. On your behalf, Credit Saint will challenge some more negative hits on your credit report and you can expect another update when this cycle ends.
The cycle goes this way:
Step 1. Based on the negative hit on your credit report, Credit Saint challenges them
Step 2. After doing an investigation, the credit bureaus directly sends out a new report to your home.
Step 3. You send the reports provided by the credit bureaus to Credit Saint, and you can check again for updates on progress report,
As per Credit Saint’s 90-day money back guarantee, if none of the disputed items were removed within ninety days, a full refund will have to be provided.
- Programs on credit repair are personalized
- Programs are very assertive and aggressive
- You can cancel anytime without being charged a penalty
- You have personal advisors provided
- Ninety-day money back guarantee
- Consultations are free
5) Park View Credit
Park View Credit is a credit repair service provider that works using a three-level program approach. Here’s how they do it:
Evaluation of Credit – Like how credit reports are treated individually, their clients are also being treated individually. They do this by getting details about you and your background in credit.
After gathering the details, one of their staffs will be assigned to analyze and work thoroughly on your credit report while making sure you are aware of every step and action being taken. Once this step is completed, they will then help you realize which items on the credit report are disputable, how will they go about the dispute on your behalf, the time it would take for the process and the amount you need to pay for the service.
Fighting for your case – After analyzing your credit report, along with knowing your credit history, and after the identification of the disputable items and mistakes, they will then initiate the process by contacting your creditors and the three credit bureaus for the negative hits to be removed. As per the track records, Park View Credits have been able to remove records of bankruptcies, late payments, charge-offs, delinquency. liens, and many others.
A new beginning – It feels really good to watch your credit score being revived. Apart from saving a lot of money, you’ll be able to start enjoying the benefits of being approved for credit cards, loans, or mortgages. On top of that, you’ll have the advantage of getting good interest rates on purchases.
- Here’s a brief overview of what Park View Credit has to offer, and what they are all about:
- Guarantee of No Win No Fee
- Provides guidance on credit building
- Experience of six years
- Provides assistance on unlimited number of disputes
- Available support for live chat
- After helping you repair your credit, Park View Credit still looks after you. They can extend assistance regarding initiating new LOC’s or line of credits, you can seek advice when buying, or for any other queries, you may have as you work on your financial stability. You can schedule consultations free of charge.
Steven Millstein says
Excellent list of companies. These are arguably the best credit repair companies in the industry. Credit repair is certainly not an easy task but investing in a credit repair service certainly makes the process a lot easier.