Individual monthly fees start at $98 with couple discounts available. Thank you, you have successfully subscribed to our newsletter! The sixth-month membership comes with a satisfaction guarantee. Charges $99 initial fee. How long credit repair takes depends on the number of claims you challenge and your credit score goal. Credit repair strategies also include sending cease-and-desist letters to debt collectors. Prime Credit Advisors offers industry leading credit repair services backed with a 100% money back guarantee. If you check your credit and your score is lower than you anticipated, it could be because of incorrect information on your credit reports. Experienced with bankruptcies, slow payments, charge-offs, foreclosures, tax liens and collection accounts. Does not guarantee specific results. Each company’s methods and steps vary, but we’ll break down what to generally expect from most companies. You can read verified reviews to learn more about typical customer experiences with each company. Read on for information about finding a legitimate credit repair company. The professional help I'm talking about is called credit repair, which means paying a professional company to clean up your credit report through legitimate, legal means. So let’s take a closer look at these firms, too. We suggest hiring a credit repair company if you have multiple and varied disputes. Removing just a single negative item on your credit report can increase your credit score by more than 100 points. Available nationwide. Provides financial software and a mobile app that lets customers track and dispute credit. If they can’t verify it within that time, they must remove the entry. Pyramid Credit Repair has more than a decade of consumer credit assistance experience. At the time of this review, they have 22 lawyers on staff and over 400 paralegals as well. The business was founded by attorneys who saw a need to help clients who received misleading or inaccurate credit reports. Once you're in the system, you can track your progress through an online portal. Get buying tips about Credit Repair Companies delivered to your inbox. Fast Track Elite will never require an ongoing monthly fee, but it’s upfront fee is a lot higher than any other legitimate credit repair company’s charges. Their counselors are paid by salary, not commission. Below, we compare services, fees and customer experiences from five of the top-rated credit repair companies. Only available in Texas. A credit repair specialist then analyzes your credit reports for possible errors or mistakes. Legitimate credit repair companies should include a copy of the Consumer Credit File Rights. As of publishing, Sky Blue Credit is the top-rated credit repair company on our site. Charges $30 setup fee. What to consider: Credit Saint offers three credit repair packages that range from medium to extremely high aggressiveness. Analyze and evaluate their credit reports, Identify strategies to improve their credit profile, Challenge credit bureaus to remove negative claims, Report inaccuracies directly to creditors, Reduce or eliminate calls from debt collectors. Averages a 76% deletion rate. Most states require credit repair agencies to be bonded and insured. **With month-to-month credit repair plan. A credit repair company handles everything from drafting letters to managing correspondence with credit reporting agencies, creditors and debt collectors. Lexington Law is an example of one of the reputable ones. The most common derogatory marks targeted during credit repair include: Doing credit repair yourself is a lot of legwork, especially if you’re struggling with identity theft or have multiple marks against your credit score. Once you sign up, your advisor comes up with a strategy for disputing the discrepancies on your report. The company also provides a full course on credit repair and personal finance to help customers make long-term improvements. To pay monthly, there’s a $19 first work fee and a recurring $79 fee per month. For payments less than 90 days late, you can request a goodwill adjustment from your creditor and set up payments to prevent further damage to your credit history. In the last year, positive reviews describe an easy process from start to finish. Here are some tips to be sure you hire the right agency: VantageScore and FICO credit scores are the ones most commonly used by lenders to determine how likely you are to make good on your debts. Information in this guide is general in nature and is intended for informational purposes only; it is not legal, health, investment or tax advice. The company is one of the only credit repair services to offer an "unbeatable satisfaction guarantee. Customers see results within six months. Happy customers who left reviews for The Credit Pros typically mention professional services and quick results. Please enable Cookies and reload the page. With the monthly membership, you can cancel at any point without being charged for the current month if you aren't satisfied with the service. On average, clients tend to see results within the first 45 days. Please note, debt management and settlement services are not the same as credit repair services. If you are at an office or shared network, you can ask the network administrator to run a scan across the network looking for misconfigured or infected devices. On the low end, the CreditSentry Monitoring plan ($19 to set up and $19 per month) includes IDCover monitoring but not credit restoration services. Federal laws make it illegal for credit repair companies to make false claims. Employs certified representatives. There are ads for credit repair nearly everywhere today. To narrow it down, we considered only companies that dispute claims from all three credit reporting bureaus. Previous clients seem to appreciate the company’s quick response times and competitive pricing. If the negative marks on your report are accurate, you can improve your score over time through targeted actions, such as responsibly managing a secured credit card or aggressively paying down debt with a balance transfer card. While it’s true there are businesses running dishonest practices, plenty of legitimate credit repair companies are available to work for you. If you hire a credit repair company, expect to pay a setup fee of up to $100 and monthly service fees of up to $150 for as long as six months. Over time, removing negative items improves your overall credit rating. They can also employ debt settlement negotiation services while working on repairing your credit. For example, if you file a dispute with a credit bureau over a late payment and your creditor can’t verify the information, the bureau must remove that late payment from your credit report. Provides free consultations. Legitimate Credit Restoration. It could take longer if your credit score is low due to bankruptcy, high debt or past due balances. Charges $89 setup fee and then $89 a month. Their credit repair services can help you remove incorrect marks on your credit report, including items like late payments, collections, charge offs, repossessions, tax liens, judgments and bankruptcies. Her work has been featured in U.S. News & World Report, Investopedia, Yahoo!Finance and many more publications. We compared our favorite credit repair services across the U.S. to help you find trusted companies in your city. MSI is fully bonded and offers services in English and Spanish. Average customers see results in 30 to 45 days. CreditRepair.com - Best for Free Credit Repair Consultations. As of publishing, The Credit People is one of the top-rated credit repair companies on our site. CreditRepair.com helps clients achieve credit repair through monitoring and disputing. Monthly fees range from $89.85 to $129.95. While we wholeheartedly recommend Credit Saint and Sky Blue, several other companies offer exceptional service and helpful information. If you invest the time to repair your credit on your own, the credit repair process is free. As a licensed and bonded law firm, Lexington Law is at the top of our list of highly qualified credit repair companies. Copyright © 2021 Consumers Unified LLC. If a disputed item can’t be validated, then the credit reporting bureau must remove it from your credit history. Finding a legit credit repair company isn't as easy as it might seem because the industry is full of scammers. Keep in mind that legitimate credit repair companies almost always offer a free consultation and won’t request service payments until they perform work on your account. Essentials Plus includes unlimited challenge validation letters, credit goodwill letters and credit monitoring. That what got it on the Best Credit Repair Companies list, along with the next load of facts. Available nationwide. A credit repair startup, should NOT require up to 3 clients to cover their software cost before they see a profit, making money on ONE client is a winning approach. Very affordable overall. What we like: The Credit People is our pick for flexible payments because setup is relatively inexpensive and it offers two plan options. It is a division of RMCN Credit Services, Inc. and offers both credit repair and educational tools. The company provides free consultations and a 100% 90-day money-back guarantee on services. Could positively affect your credit score within 60 days. Under the Fair Credit Reporting Act (FCRA), credit bureaus have 30 to 45 days to investigate a disputed claim. Ovation Credit Services provides legal and business expertise to help clients repair their credit and gain an optimal credit profile. Like our other top picks, clients can track their progress 24/7 through an online portal. However, you will need to supply documentation to support disputes. If the company's credit repair specialists identify errors on your credit reports, they dispute those errors on your behalf. Many credit restoration companies provide credit rating simulators to see how specific actions are likely to affect your credit score. What to consider: The company charges a $79 setup fee and $79 per month for services. Trinity Credit Services provides a range of services designed to help consumers repair and improve their credit scores. ConsumerAffairs.com makes no representation as to the accuracy of the information provided and assumes no liability for any damages or loss arising from its use. • Additionally, check your state’s credit repair and debt reduction laws — for-profit debt reduction companies are illegal in certain states. • The best credit repair companies also help you understand what causes your credit score to be low. New clients get a free consultation, and the company’s services come with a 100% money-back guarantee. No money-back guarantee. Our research team also analyzed 5-star review data from the top-rated companies to find the best qualities of each. Depending on the item and the reason it's in your credit history, this could involve writing a short letter or performing significant amounts of research. Credit solutions available on the company’s website. After you access your credit files, it takes several hours to review them for errors. Most The company’s credit restoration services include professional analysis, score assistance and custom disputes for derogatory marks. In addition to credit report disputes, some of the top credit repair agencies offer debt negotiation and credit monitoring services. Customers typically see results within 180 days. "While other credit repair services will offer a guarantee for the first 30 days or 90 … Reviewed. Call or chat with a ConsumerAffairs decision guide. If you have concerns about your report, the right credit repair company can dispute significant errors on your behalf. Removing just a single negative item on your credit report can increase your credit score by more than 100 points. How it works: During the free consultation, a professional credit analyst reviews your reports and financial background information. It is always a good idea to go with one of the top credit repair companies to ensure that you get legitimate credit repair services at a fair price. A credit repair agency can help you remove derogatory marks on your credit reports in exchange for a monthly fee or flat-rate for services. We also like that the company offers discounts to seniors and members of the military. The Essentials Plus plan is a little pricier at $109 per month, but it’s designed to remove more complicated negative items more quickly. If you believe a credit reporting agency or one of your creditors has violated the FCRA, you should submit a consumer complaint to the Federal Trade Commission (FTC). To narrow it down again, we excluded companies with an overall satisfaction rating below 3.5. Signs of a legitimate credit repair company include: A company that only charges for services after they’re provided Those companies that charge a flat-rate fee shouldn’t charge you until after they’ve performed the service. No money-back guarantee. No contract commitment required. Improvement takes around six months. One huge thing to look for is a company that is interested in coaching you on how to handle your current accounts so that they don't get worse over time. At $79 per month, the Essentials plan is appropriate for most standard credit resolution issues. Monthly fees start at $79. Charges initial work fee from $99 to $195. View this post on Instagram Since paying collections hurts your score how should you deal with them and still improve your credit score? Consider factors such as pricing and reputation. $79 per month. Unfortunately, like in all industries, there are some companies that are not legitimate or trustworthy. What we like: The Credit Pros makes it easy to schedule your initial consultation online. As of publishing, The Credit Pros has an overall satisfaction rating of 4.2, based on 37 customer ratings submitted over the last year. How it works: After your initial consultation, Sky Blue specialists typically turn out five disputes or more per cycle on your behalf (each cycle is 35 days). Monthly fees are $99 for individuals or $198 for couples. Discounts are available for veterans, active military and teachers. How Credit Repair Companies Help Repair Your Credit Report Retrieve your credit report from top three credit bureaus (Equifax, Experian, and TransUnion) Negotiate with your lenders to remove negative items. However, most companies do not offer both credit repair and debt management/settlement. Credit Saint lets you add a family member that lives in your household to your plan and pay just one first work fee. No long-term contracts are required. Guarantees minimum 50-point credit score increase. The company has been employed by numerous organizations, including the United States of Defense and Chase Manhattan. How it works: During the consultation, a representative helps you understand how you’ll be charged for services. If your credit score isn’t where you want it to be and you don’t have the time or resources to fix it yourself, you can hire a professional to dispute creditors on your behalf. If you have financial goals, start with getting a clean slate on your credit. Look for credit repair companies that have a reputation with the Better Business Bureau and industry associations. Credit restoration services can be most beneficial when they help individuals: Many credit repair companies offer analysis as part of their free consultation. How much you spend on credit repair depends on how involved you want to be in the process. During credit analysis, credit restoration specialists review and inspect their clients’ credit reports to look for common mistakes, such as fraudulent accounts, duplicate accounts and incorrect credit inquiries. Charges $179 per individual and $279 per couple for the initial payment. Not available in Oregon or North Carolina. The company helps clients remove items such as collections, late payments, bankruptcies, foreclosures and judgments. A legitimate credit repair company won’t make promises that they can’t possibly guarantee you. Provides a 90-day money-back guarantee. Ovation’s customizable programs give clients options to find the right care they need. “Credit repair” companies claiming to erase credit problems, remove situations like bankruptcies from your credit reports, or create a new credit identity for you may not be legitimate. My Credit Group is a credit repair company staffed by credit experts, loan officers, collection agents and debt negotiators. No cancellation charges. The ConsumerAffairs research team vetted 15 credit repair companies rated by more than 2,465 customers. Offers a pricing model for indefinite … Credit restoration specialists have the experience and expertise to navigate some of the most complicated credit situations. It also works to encourage lifelong credit health through its credit education services. To get inaccurate marks off your credit history, you must request that the credit bureaus validate the information you believe is inaccurate. Credit bureaus must send a notice of any corrections made to your report. Raise your credit score in as little as 60 days by working directly with the credit experts at The Credit People. Some also offer credit counseling and debt management to help clients improve and maintain their credit standing. In addition to monitoring a client’s credit and disputing claims, Credit Saint educates clients on achieving credit improvements and maintaining positive scores. Monthly fee is $99.95. They will develop a personalized plan to repair your credit, tailored to your credit history and needs. 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