It can be a pretty overwhelming task to decide which credit repair company to use to help improve your credit score. The sad fact is very few actually take the time to truly help you with a financial plan that is actually effective and legal. Here are reviews of the top 5 credit repair firms based on facts and useful information for you to decide. We’ve ignored any of their own sales hype and listed only what we feel are the most relevant factors as it pertains to who we think would do the best job for you.
Sky Blue Credit Top Rated Rating:Three years running Sky Blue Credit is our choice for best in value of all credit repair companies. In our opinion their services offer the most thorough and realistic credit repair program to help you to clean up your credit history, settle your outstanding debts and help you establish new lines of positive credit. They and have 22 years experience in the industry and their services are backed with a 100% satisfaction guarantee.
Sky Blue Credit Repair offers an awesome program that includes everything you need to improve your credit, all for a single low monthly fee. The Sky Blue program includes credit bureau disputes, debt validation, and comprehensive counseling services. The Sky Blue Credit Repair program is ideal for anyone interested in real and lasting credit improvement. Highly recommended!
Credit repair services are available for just $49 per month and this will provide you with your own personal credit coach, a personalized plan to help dispute and remove incorrect and unveriafiable information, a complete debt settlement / pay for deletion program is optional, but included in the price and even help establishing new, positive lines of credit.
Sky Blue Credit are members of the BBB and maintain a perfect “A+” rating and are utilized by some of the world’s largest financial institutions.
Top Benefits:
• Personal one-on-one coaching
• Unlimited disputes with creditors, collection agents and credit bureaus
• Debt settlement for any outstanding debt (including Pay for Deletion negotiations)
• Help establishing new lines of positive credit
• Risk-free refund policy
Sign up With Confidence:
• BBB members with a perfect A+ rating
• Fair Credit Reporting Act Certified
• Licensed, Bonded & Registered with Attorney General
• Fees – $49.00 after work fee and only $49.00 per month
Final Thoughts:
When it comes to your credit, you need a realistic plan that is going to work for you. We firmly believe Sky Blue Credit ’s hands-on, boutique style approach delivers just that. This is the smartest choice in our opinion – hands down!
#2 Rated Credit Repair Company Rating:They are one of the Credit Repair industry’s largest credit repair firms and have served over 500,000 clients. Lexington is our #2 choice for credit repair because they don’t offer any type of debt resolution in terms of pay for deletions or debt settlement. These are services Lexington does not offer.
Services Include:
. Credit Repair
. Consumer Advocacy
Notables:
. Licensed Law Firm
. Served over 500,000 Clients
. Licensed, Bonded & Registered with Attorney General
. Fees: $99.95 First Work Fee – $49.95 Monthly.
.The Concord Service is $89.95 Monthly
Final Thoughts:
Lexington has been doing credit repair since 1991 and has the largest network of credit correction attorneys with 22 attorneys across 16 states. They removed over 1,000,000 negative items last year alone. If you are looking for an experienced credit repair firm, Lexington is a great option if you don’t need help resolving any debt issues.
Let a Law Firm Remove your Negative Items from your Credit Report!
#3 Rated Credit Repair Company
Rating:Ovation seems to just quietly getting by. They’re not making any big headlines, nor are they making waves; they’re just there. I might add, being “just there” in this indsutry isn’t necessarily a bad thing. Recently they’ve updated their site which we think is a big improvement from the previous one.
Services Include:
• Unlimited Dispute Letters
• 24/7 Access to your account via online dispute manager
Worth Noting:
• 15 Complaints on file with Better Business Bureau
• Attorney founded
• Licensed, Bonded & Registered with Attorney General
• Fees: $99.00 Setup – Monthly Fees Vary
Final Thoughts:
Like we said previously Ovation law is just kind of there. Not an exorbitant amount of complaints yet they haven’t done anything to show they should move into the #2 spot. Their website and message is certainly improving so we’ll see.
Get a FREE credit repair consultation.
#4 Rated Credit Repair Company
Verosity Credit is under consideration for being in better standing in our reviews But for now they remain number four. They claim to be #1 Rated Credit repair business with no substantiation what so ever. But they have customer who love what they do.
Veracity Credit Counsultants have two programs
Select ($69 Signup / $49 Monthly)
- Unlimited investigations of inaccurate negative accounts or items on your credit report
- Online access to your credit report, our analysis and credit tips
- Premium account management
- Cancel at any time!
Platinum ($89 Signup / $79 Monthly)
Unlimited investigations of items with Experian, TransUnion, and Equifax
We will work with your creditors in an effort to correct errors
We create customized collection interventions that focus on the Fair Debt Collections Act guidelines (FDCPA)
Receive a personalized credit optimization plan
Cancel at any time!
Open an account. It takes less than 5 minutes to get started!
Step 2 Veracity investigates and works with credit bureaus and creditorson your behalf.
Step 3 Veracity works to remove errors, delete inaccurate negatives, and highlight good accounts.
Final Thoughts:
Neck and neck with DSI solutions, Veracity seems to be chugging along. The number of complaints with DSI we feel is a little high, but I guess nobody’s perfect. We just don’t see the point with choices like SKY BLUE CREDIT & Lexingtonlaw.com
Credit Repair By the Experts- Veracity Credit Consultants
#5 Rated Credit Repair Company Rating:It was a toss up between UpMyScore and Veracity for 4th & 5th Place but, we needed to fill 5 spots so we tossed a coin. Our biggest concern with Veracity Credit is that for a smaller firm,
This Company is very good if you are looking to get a mortgage !
The Full Service Express Program from UpMyScore is a special modification of thier traditional full service program designed to meet the specific needs of lenders. In short, it offers the benefits of thier consumer program in half the time—with the goal to get the loan closed as soon as possible.
Audit of the 3 major credit reports
Trade line Analysis by client’s Case Advisor
A customized plan and consultation to get maximum benefit from the analysis
Ongoing coaching and consumer guidance regarding the five key factors that impact scoring
Direct to creditor intervention (including validation, goodwill, and settlement offers.
To clarify, the program billing with the Express option is as follows:
$97 Initial Billing
$95 billed at the end of the 1st month
$95 billed at the end of the 2nd month
$95 billed at the end of the 3rd month
If the client can benefit from additional service, the client may continue service for $39 a month after the initial 90 days. (As mentioned, average time is 3-5 months.)
Full Service Credit Repair = Achieve your Highest Credit Score
So you say you’re in debt. Not just in debt, but so far deep in debt that you barely know which way is up anymore, and it’s getting harder and harder to tread water. So why don’t you start taking steps to get out of credit card debt and clean up your credit?
