finding the best Credit Repair Companies
If your credit score is less than 620, you should consider repairing your credit score. Repairing your credit is a personal decision, but if you want to access credit at a low-interest rate, it is always a good an idea to repair your credit. Repairing your credit increases the lending opportunities available to you.
Lenders have no problem lending money to people with good credit scores since they are considered to be creditworthy. People with good credit also enjoy lower insurance premium payments. If you plan on getting credit within the next 12 months, it is a good time to repair your credit.
Once you have established that you want to repair your credit, the next thing to do is to consider how to repair your credit. Will you want to repair it yourself, or get professional help?
top 5 best credit repair companies
Repairing your credit requires time and effort. You will need to review your credit report, spot errors, and file disputes where necessary. You will also need to follow up on corrections.
If you cannot set time aside to repair your credit, it will be better to get the services of a professional credit repair agency. It also requires expertise and experience that can be provided by these credit repair agencies. They have done these on many occasions and have also dealt with all kinds of credit repair issues.
Your credit issues will not be new to them. All these allow them to resolve your issues faster than when you do it yourself. Credit repair agencies also provide credit monitoring services and credit education.
Although you will be able to repair your credit yourself if you decide to use the services of a professional due to the reasons mentioned above, here are the best credit repair companies.
- Lexington Law
This company has maintained its spot as the best credit repair agency in the country. Lexington Law is well known for the services it provides. This agency provides free credit report evaluation services for clients. The evaluation will help them to establish the best way to help you. they have their service packages at different prices. The more you pay, the more additional services you receive. Although many people describe their pricing system as complex because of the different options available, the pricing structure also offers many options to clients. The first package is called the Concord Standard. With this, Lexington Law will review your credit report for errors and then they will file disputes to correct them. They will capitalize on this legal loopholes to improve your credit score. To receive these services, you will need to pay $89.95 per month. The second pricing package is called the Concord Premier. The Concord Premier allows you to access all the services offered for Concord Standard. You will also receive additional services such as credit score improvement analysis and credit monitoring services. This costs $109.95 per month. If you need extra services such as Identity fraud alerts and credit education, you will need to upgrade to the PremierPlus which costs $129.95 per month. If you want to work with an agency that allows you to easily track your progress, Lexington Law is an excellent choice. Lexington Law has an app that allows you to easily track the progress of your credit repair. They also have a responsive customer service. This firm has earned an A- rating from the Better Business Bureau. Lexington Law is also preferred by several customers because their team is made up off 22 lawyers and 400 paralegals. This agency does not tie you down with a contract. You can decide to cancel your subscription at any time and all you will pay for only the services you have received. Lexington Law offers discounts for couples who sign up together. There is another price package for people who cannot afford all that. This is called the Lex OnTrack. The Lex OnTrack has cost $24.95 per month and it allows you to enjoy all the basic services of credit repair.
- The Credit People
The Credit People allows people who are in doubt about their services to try their service for $19 for a week. If you are satisfied with their service, you can sign up. They have a simple sign up process and you can sign up on the website in minutes. You can also call them to walk you through the process. This agency has a simple pricing structure which costs $69 per month. You can also pay a lump sum of $266 per month for a six- month service. The Credit People will file disputes for errors they spot on your credit report. They also send letters to your lenders on your behalf. They also focus on flaws in your credit report to improve your report. The Credit People have a responsive customer service team that will help you to deal with all the issues you may have with the credit repair process. Their customer service is available via phone from 8 am to 5 pm daily. You can also leave an email at any time, they will attend to you. This credit repair agency has earned an A+ rating from the Better Business Bureau. With the Credit People, you can cancel your subscription when you are dissatisfied with their service. You will not be asked to pay fees for the termination of your contract. You will also pay for only the services you have received.
- Sky Blue Credit Repair
Sky Blue is also popular in the credit repair industry. This firm offers you all the basic credit repair services you will need to improve your credit score. They will send the commonly known letters to your lenders and look for means to improve your score by identifying loopholes in your credit report. They will also review your report for errors that can be corrected. They will file disputes to correct these errors. This agency can dispute up to 15 errors on your report in a month. They also have lots of educational materials on their website for you to educate yourself on credit management. One feature that attracts people is the 90-day refundable fee. With this, you will receive a full refund if you are not satisfied with their service after 90 days. Their service costs $69 per month. Even though their service is affordable, they give another option that allows clients to pause their subscription when they cannot afford to pay at some point. When you are ready to pay, you can pay and Sky Blue credit repair will resume their services on your account. Their customer service is highly commendable and many past clients have praised them for their professional services. Sky Blue Credit Repair will offer you timely updates on the disputes they have filed on your behalf. They will also offer you credit report analysis on the items on your report. This agency has managed to earn a good reputation in the industry. They have an A+ rating from the Better Business Bureau.
- Ovation Credit Services
This firm offers credit repair services at different price packages. The most popular package is the Essential Plan that costs $69 per month. Customers receive credit report consultation and a dedicated account advisor. This advisor will be in charge of all issues regarding your account. When you call them to discuss any issue regarding your account, you will get to speak to your account advisor. This means that you will not need to update the representative on the progress of your account first. Your advisor already knows everything concerning your account. This firm will dispute unlimited errors on your credit report. They will also send letters to your lenders and they will capitalize on opportunities they find on your credit report to improve your credit report. There is another pricing package called the Essential Plus. The Essential Plus plan offers you unlimited TransUnion credit report monitoring. They will also send unlimited letters to your lenders on your behalf. This agency has earned an A+ rating from the Better Business Bureau. Ovation Credit Services allow you to check the progress made on your credit report through their dashboard. Couples can sign up together and they will get a 20% discount. Senior citizens will also get a discount on all their subscription. This agency does not tie you up in a contract. You will cancel your subscription at any time.
This firm is preferred by most people because it is easy to track the progress of your credit repair. They have an app for that, you can see the items that have been removed from your account through the app. You can also track the items that are still being disputed. This agency offers you all the essential credit repair services at $99.95 per month. The essential services include the following. Filing disputes to correct errors on the credit report, sending goodwill letters on your behalf, and capitalizing on legal loopholes to improve credit scores.CreditRepair.com offers education on credit management. This agency has a comprehensive user interface for all customers. Since customers can access every information via the user interface, they will not need to contact customer service much. Even if you need to contact their customer service, they are really responsive. This firm does not hold you back with a contract. Whenever you are dissatisfied with their service, you can easily cancel your subscription. You will only pay for the services you have received. CreditRepair.com has an A+ rating from the Better Business Bureau.
- Lexington Law