Credit Fixing Services
Having a bad credit score is frustrating. It is difficult to get a loan at a good rate if the credit score you own is below the average. There is a need to fix your credit if you realize that your credit score is poor. If you have a credit score below 550, you should consider getting credit repair services. Fix your credit yourself or obtain the solutions of professional credit repair companies.
If you have the time to negotiate with your lenders and contact credit bureaus, you can decide to repair your credit yourself. When you decide to repair your credit, you will need to identify errors in your credit report and file for disputes. The credit bureaus will investigate your disputed errors and if they found out that the errors you disputed are indeed errors, they will correct them. You will also need to go through some form of financial management to help you to pay off your debts. These things will help to increase your credit score.
This process can last between six to seven months on the average. That is if you are dedicated to the process. With the Do-It-Yourself process, you will need to negotiate with your lenders to help you pay off your loan comfortably. If you know that you cannot negotiate with them or you do not have the time to begin the process, it will be better to get the services of credit repair companies. These companies have made credit repair their main task and they can help you to get your credit to where you want it to be.
They will negotiate with lenders on your behalf. They will also communicate with credit bureaus concerning errors on the report. They will also educate you on how to manage your debts and your finances as a whole. There are several firms that offer credit repair services. All these firms will tell you that they can improve your credit but is that always the case?
The truth is that no credit repair company can guarantee that they will improve your credit score. This is because, all cases are different and the fact that they have repaired the credit of someone does not mean they can repair yours as well. There are firms that will even give you a guarantee that they will repair your credit but in reality, they are scam firms.
Fortunately, there are firms that have proven to be trustworthy. Although, there is no 100% guarantee that they can repair your credit, there is a higher chance of them repairing your credit. It takes some amount of research to identify these credit repair agencies. Since you have found this article, there is no need to conduct that research. We have done it for you, and we have compiled a list of the top credit repair agencies in the industry. By the end of this article, you will know these top agencies and the reasons why they have higher ratings than others.
- Lexington Law Firm
The name Lexington Law firm may sound like a high ranking law firm. However, it is a credit repair agency with in-house lawyers. There are 22 lawyers and over 400 paralegals. They know that there are several legal issues associated with credit repairs and they have all the expertise to deal with them. This firm offers free credit report evaluation. With over 14 years’ experience in credit repair, the firm will use their experience to sort out your credit score issues. They will also furnish friendly e-mails to your creditors and also look for loopholes in your credit report to raise your credit score. The only issue we have with Lexington is their pricing system. They have a complex pricing system. There are three pricing plans. They have the Concord Standard, the Concord Premier, and the PremierPlus. The Concord Standard costs $89.95 per month, and they offer you basic credit repair solutions, including finding errors on the report. The second pricing plan costs $109.95 per month, and you will enjoy credit monitoring services as well as credit score analysis. The ultimate pricing plan is the PremierPlan, and it costs $129.95 per month. With this plan, they will give you alerts on fraud attempts and personal finance tools. They offer 50% discount for couples, active military, and households. You do not need to sign a contract with them. You can cancel the service any time if you are dissatisfied with their service. Their customer service is accessible at all times.
- Sky Blue Credit Repair
Talk of experience, Sky Blue Credit Repair has got the experience. They are established in the industry for over twenty-nine years and have many success stories to show for it. They offer free credit report analysis to customers. Their credit repair service costs $69 per month and you can cancel the service at any time. They also have a couple plan that costs $99 per month. Sky Blue Credit Repair has an accelerated dispute process. Some agencies can dispute only a few items but this agency can dispute up to 15 items on your credit report. They can dispute up to 5 items per credit bureau. If you need to eliminate items on your credit report faster, Sky Blue can help you out. They also look for legal loopholes in your credit report and they capitalize on that to increase your credit score. They also have good customer service that is readily available to listen to you and explain things. They also have a hassle-free signing up procedure.
CreditRepair.com offers customers free credit consultation that is specifically designed for them. They have over 21 years’ experience in repairing people’s credit. They have had to deal with peculiar credit issues over the years. They will file disputes on your behalf and talk to your lenders on how you can settle your debts. They will also educate you on how to maintain a good credit score. This agency offers free TransUnion credit monitoring services for its customers. They charge $99.95 per month. This agency will send you alerts when significant changes have been made to your credit report. This agency makes sure they remove all errors from your credit report. They also take advantage of loopholes on your report to improve your score. Their customer service is readily available to listen to you. With CreditRepair.com, you can cancel your subscription at any time since there is no contract. By the time they finish their work on your credit report, you will be able to access the loans you did not qualify for in the past. You can inform them to guide you throughout the application process. You can also sign up by visiting their website.
- The Credit People
The Credit People will help to get your credit back on track. They have over 17 years of experience in credit repair services. They offer free consultation for their customers. You can confidently sign up for their services because they refund the cash you paid if you aren’t happy with their service. They have a reliable customer service team. Their team of experts will help you to improve your credit score without stress. You will pay $79 per month for their services. You can also pay a lump sum of $379 and it will cover all the credit repair services they will offer you for the next six months. There is a discount for couples; they get to enjoy $20 off their first payment. They will take all the burden off your shoulders. With them, all you have to do is to monitor the improvements of fixing your credit. They will help you to qualify for low interest loans in no time.
- Ovation Credit Services
Ovation Credit Services offers free consultation services for customers. They offer discounts for couples, friends, family members, and the military. The good thing about this discount schedule is that even close friends can register as a couple. Ovation understands that people who are close can have similar issues with their credit reports. They do want such people to solve their issues separately. They will get your score back on track by disputing items on your credit report, sending goodwill letters to lenders, and also capitalizing on loopholes to raise your credit score.
If you need to repair your credit faster because you need to get a loan, they will help you out. There is a fast track same-day service for such people. They charge as low as $59 per month. You can cancel your subscription at any time and you will not be penalized for it. Their customer service representatives can be reached through phone calls, emails, and online chats. It is advisable to call their one of the case managers to know how they can help you before you sign up.
Having bad credit can cost you money. It is more expensive to get credit with a bad credit score than hiring a credit repair company to repair your credit. Credit repair is a legal act that is protected under the Fair Credit Reporting Act. it is important to get a repair company that is compliant to the Credit Repair Organizations Act. Such firms are legitimate and will work for your interest. All companies mentioned above are all companies that are compliant to the Credit Repair Organizations Act, and they also have high ratings from the Better Business Bureau. One way people are deceived into signing up with scam credit companies is through false positive reviews. Sometimes, some credit reporting companies will write numerous false reviews on their websites. Innocent people are then deceived into signing up with them. In the end, they do not get the results they want. It is not enough to look at reviews from the company’s website; there are other reputation review websites out there. You are bound to find some negative reviews from customers but once the positive outweighs the negative, you can go ahead and register with them.