Credit Repair Companies
If you are struggling with a poor credit score, you should consider repairing your credit. There are numerous credit repair firms in the country. They all promise to repair your credit and help you get a good credit score. However, can they really do that? Well, there are really credit repair agencies that can give you the results you want. It is not easy to identify these companies. You will need to conduct thorough research to identify the agencies that can help you acquire a good credit score at a reasonable fee.
Good credit report companies will retrieve your credit report from the three major credit bureaus – Equifax, Experian, and TransUnion. They will fix your errors, and help you improve your FICO scores. They will also negotiate with lenders to identify remove negative items by spotting loopholes in your credit report. Here is a list of highly rated credit repair agencies.
- Lexington Law
Lexington Law is highly rated due to their good customer service and their track record of producing satisfactory results. It is easy to sign up for their service. You can visit their website, or call them. They will walk you through the process and then you can sign up. You can also sign up via their website. They offer three service packages including the Concord Standard, Concord Premier, and PremierPlus.The Concord Premier (the basic service) allows Lexington Law to fix issues on your credit report. They also send goodwill letters to your lenders, and they try to spot loopholes in your credit report. They take advantage of such loopholes to remove negative items from your report. You get to enjoy this service at $89.95 per month. You can also upgrade to the Concord Premier for $109.95. The Concord Premier allows you to enjoy the basic services, monthly credit monitoring service, and monthly credit score analysis. When you upgrade to the PremierPlus, you get to enjoy all services offered by the Concord Standard and the Concord Premier. They will also give you identity fraud alerts and tools that can help you to monitor your finance. This service costs $129.95 per month.
If you cannot afford any of these services, Lexington Law has another plan that fits every pocket. You can pay a monthly fee of $24.95 and you will enjoy minimum credit repair services. This agency allows you to pay on a monthly basis, so you can cancel at any time. The company is run by lawyers and it has a strong reputation. They also have an A rating from the Better Business Bureau. They have a professional customer service team that is always available. You can get through to them by mail, phone, and online chat.
This agency is one of the most popular credit repair agencies in the country. Their name CreditRepair.com partly accounts for this. This firm offers several extra features that are not identified with credit repair companies. These extra services include identity theft. One reason why people love this firm is because of their simple pricing system. They offer a single package which costs $99.95 per month. They offer services including fixing errors on your credit report, contesting items on your credit report, and providing goodwill letters. They also negotiate with credit card issuers and credit bureaus on your behalf. They will make sure the credit bureaus effect the necessary changes on your credit report. You can track your progress when you sign up with CreditRepair.com.You can cancel any time since they charge fees on monthly basis. This company has a good reputation in the credit repair industry and they have an A+ rating with the Better Business Bureau. Their interface is easy to use and they have a solid customer service team. You can reach them via phone, mail, and online chat. With CreditRepair.com, you will only pay for the service they offered you.
- Sky Blue Credit Repair
They also have a simple sign up process. Many customers have left this company very satisfied with their credit reports. They have one of the lowest prices in the industry. They charge you $69 per month for their services. Sky Blue credit repair fix errors on your credit report. They also send goodwill letters and look for legal loopholes to fix your credit. One exceptional service offered by this agency is that they can pause your service when you cannot afford to pay for a month. You can pay when you get cash and they will continue the credit repair service for you. You can cancel their service at any time and the good thing is that you can ask for a refund if you do not get satisfactory results after 90 days. They will refund your full payment irrespective of the reason. This repair agency has a good reputation, and they also have an A+ rating from review sites including Better Business Bureau. Their customer service is readily available to help customers. You can reach them via phone, email, and online chat.
- The Credit People
This agency is favored by several customers because of their 7-day trial offer. They will offer this trial service for $19. If you wish to continue with them, you will pay a monthly fee of $69. A can also pay a lump sum price of $299 for a six-month service. They also have a simple sign up process, and you can call them to walk you through the signup process. You can also visit their website to register. This agency fixes errors on your credit report. They also send goodwill letters, and look for legal issues in your credit report. They capitalize on these issues to raise your credit score.You can cancel your service at any time if you dissatisfied with the service offered to you. Even if you pay the lump sum, there is still a chance for you to cancel the service. This credit repair agency offers one of the best guarantees in the industry. For you decide not to deal with them any longer, all your fee will be refunded. They have a great customer service team and their phone lines are active from 8 a.m to 5 p.m. if you want to contact them outside business hours, you will need to send in a mail and they will get back to you within 24 hours. They also have a good reputation within the industry. The Credit People have earned an A- rating from the Better Business Bureau.
- Pyramid Credit Repair
Pyramid Credit Repair is another agency that is worth mentioning. They also have a simple sign up process. You can phone them to sign up, or visit their website to complete the registration form. The pyramid is preferred by many people because you do not need to pay for them to begin the process. You can sign up, allow them to start repairing your credit and then you pay within the month. They charge a monthly fee of $99, however, there is a couple plan with a discount. With the couple plan, you will enjoy a 50% discount for the first month after which you will begin to pay $198 per month. Since there is no initial fee, you can use their service for 5 to 15 days depending on the state you reside in.Pyramid Credit Repair dedicates an account manager to you. This account manager will walk you through the process. This agency will fix the errors on your report, they will look for legal lope holes in your report and capitalize on them to improve your credit report. They will also send good faith letters to your lenders. The agency just like Lexington Law has in-house that help with the legal issues. It is easy to cancel their service if you are not satisfied with their service. this agency, although, they started operation in only 2010, have managed to build a strong reputation. There are several positive reviews about the company. They also have a 90-day money back guarantee; if you do not like the service offered.
Their friendly customer service will take care of your issues. They have a support center that is open Monday to Saturday. You can leave a voicemail during or off business hours. They will get back to you in less than 24 hours.
These credit repair companies are the best rated companies in the industry. Other firms which are worth mentioning include Ovation and Credit Assistance Network. When you are looking for a credit repair company, you should look for firms that are compliant with the Credit Repair Organizations Act (CROA). The CROA prevents clients from paying money to credit repair companies upfront. The act also states that a customer should be able to cancel their service at any time. If the agency does not work with these conditions, they are probably not compliant to the CROA. You must also research to make sure that these firms have a good reputation. Companies that have a good reputation have numerous positive reviews when you check review websites. You should also consider the pricing offered by the company. Look at your budget before choosing a credit repair company. It will be a bad idea to choose a company whose fee will put pressure on your finances further.
When you allow a company to repair your finances for you, you should continue to check up the company. You should track the progress of your credit repair regularly.