Top 10 Credit Repair Services
Your credit score and credit history are extremely important pieces of information. They are used to determine how much home you can afford; what your payments will be on your car; whether you qualify for credit cards; and even how much you’ll pay for auto insurance.
Many times, however, people find their credit history contains negative information. This can range from late payments or too many credit inquiries, to collection agencies or inaccuracies. This negative information can restrict your purchase options and drive up your costs. A good credit repair service will take on these negative items in your credit history and work to remove them or reduce their severity. They can work directly with the credit bureaus, your creditors, and collection agencies, and use a variety of tactics to get them to stop reporting negative information.
Unfortunately, there seems to be just as many fraudulent credit repair firms running scams as there are legitimate credit repair services. There are a number of features to consider when comparing credit repair services. Some of these include:
- Effectiveness — do they have a successful track record of improving credit scores?
- Cost — how do their fees compare with other credit repair services?
- Guarantee — do they back up their service with a refund policy?
Sky Blue Credit Repair has been assisting individuals with their credit repair needs for over 20 years. They offer a comprehensive package to dispute issues and rebuild your credit. If you aren’t satisfied, they’ll even refund your money – no questions asked. They earn our highest rating.
With a long history of restoring good credit, Lexington Law is a professional credit repair service that has satisfied more than 500,000 customers. Lexington hires lawyers and paralegals that are experts in the area of credit repair laws nationwide and is successful at removing over 2.5 million inaccuracies each year.
With free credit consultation available even before you enroll, and 37 years of experience in consumer credit repair, Ovation Credit Report Repair offers customized credit repair service with easy online access to your credit repair information.
Credit Repair is a full service credit repair and financial improvement center without contracts or hidden fees. A professional credit repair option from experts in the business. Customer friendly tools and education are added benefits at Credit Repair. This company is a strong choice for anyone wanting to improve their financial picture.
The Credit People offers unlimited credit repair for one set fee. The Credit People earns high marks for providing straightforward credit repair services with a generous 6-month full-refund policy.
Choosing a Credit Repair Company
If your credit score needs some professional help here’s how to search for a quality credit repair company.
Start at the Computer When Starting Credit Repair
Searching online for a credit repair company provides many benefits in finding and choosing the right service provider for you and here’s why:
If you do your credit repair research online you avoid the annoying sales pitch from a pushy salesman that is most concerned about their next commission check.
Perform your research when it’s most convenient for you, in the quiet of your home and without children playing or co-workers nearby.
The internet allows you to quickly identify the services of several credit repair companies at once. If you are looking for credit dispute offerings plus advice on how to improve your credit score long term you can easily identify what companies offer this level of service.
Knowing what several companies charge for their repair services provides you the knowledge to make an educated decision. Feel confident that you are improving your financial outlook and doing so while saving money over other providers.
The internet will allow you to read and educate yourself on the Fair Credit Reporting Act that governs credit agencies, promotes accuracy in reporting and regulates how negative information is reported and disputed.
Look for These Characteristics in a Credit Repair Company
When searching for the best credit repair company look for the following characteristics in a quality company before making your selection:
Make sure you identify a credit repair company with a solid reputation before considering it a worthy contender. Look for red flags like promises to wipe your credit clean with little effort, a request for a large payment upfront to cover costs, or discussions of creating a new identifier to fool the credit agencies.
Make sure you understand what you’re signing up for. Will you be obligated to use the service for a specified period of time? Do they identify rules on how many disputes they will file in a specific period?
Make sure you read the fine print and understand their policies before moving forward.
When you’re working closely with your credit repair service you’ll appreciate the convenience of companies that offer an online account for you to monitor the status of their efforts. Companies that require a lot of hand holding, phone calls, and emails are not going to be efficient.
You’ll want credit repair company that puts the customer first. Companies that fail to return calls timely or are unprofessional on the phone are going to wear thin over time. Make sure you identify if your credit repair company of choice prioritizes the customer.
Tags: Auto Insurance, Bypass the Fraudulent Credit Repair Firms, Credit History Contains Negative Information, Fraudulent Credit Repair Firms Running Scams, Repair Credit Now, Too Many Credit Inquiries, Top 10 Credit Repair Companies, Top 10 Credit Repair Services