These include collections, judgments, charge-offs, foreclosures, and repossessions. It also aids clients in understanding their score’s impact on financial activities and in optimizing a positive report when paying bills or opening credits. Credit Saint also provides clients with a credit monitoring system during its intervention. A good credit score is an important part of your ability to get a credit card, buy a vehicle, purchase a home, lease an apartment, and a job.

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On the other hand, Lexington Law is one of the best-known and most dominant credit repair companies in the country. It’s hard to discuss credit repair without at least mentioning them. If you want to combine credit repair with a full set of identity protection and credit improvement services, The Credit Pros could be your preferred option. If you’re looking for a simple package focused entirely on credit repair with a limited number of disputes, Sky Blue is a great option. If required, Sky Blue will provide debt validation, goodwill letters, cease and desist letters, and mortgage preparation at no extra cost.

How Do Credit Repair Services Work?

information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. A case manager will review your credit situation and explain what the Company can do to help you improve it.

It’s your responsibility to double-check all information before making any financial decision. Just remember that you too can learn what to look for and if you have the time, discipline, and patience to stay on top of the process, you can do it yourself at no cost. Considering how time-consuming the entire process is, you may not see results for months — if you see results at all. This article was subjected to a comprehensive fact-checking process. Our professional fact-checkers verify article information against primary sources, reputable publishers, and experts in the field. 📞 Call today for a free credit consultation and discover how The Phenix Group can help you achieve lasting credit restoration in Raleigh, NC.

The best credit repair company for you will depend on your needs and budget. Each company offers an array of different services and pricing models, so comparing options can help you find a company that suits your situation. Some top companies include Credit Saint, The Credit People, The Credit Pros, Sky Blue, and Lexington Law.

One of the clients said that his credit score improved to 710 from 600 in just four months. Since 1991, Nationwide Credit Clearing has provided credit repair service s in Chicago. With a free credit report consultation available, the company works to rid clients of errors and dispute any discrepancies, including late payments, student loan issues, or garnishments. Nationwide Credit Clearing creates tailored plans that alleviate or eliminate credit issues, and it constantly monitors credit to alert clients to credit changes. Additionally, it provides credit education to help clients develop financial literacy strategies to increase credit and buying power. Here in Houston, Texas, there is one reputable credit repair company who have helped many consumers solve their credit issues and bad credit standing.

But the services offered by these companies come at a significant cost that can send folks with existing financial problems even further into debt. And there’s no guarantee a credit repair company can actually improve your credit score. They are sometimes viewed as predatory because the services they provide can be done by any individual with credit report inaccuracies.

The credit repair company will contact the major bureaus and financial creditors to dispute any errors. Paying your credit card balances in full every billing cycle can help you pay less in credit card interest than if you carry over your balance month after month. And it can ensure that you stay below your credit limits and avoid adding to credit card debt. Ultimately, the healthier a borrower’s credit reports and scores are, the more attractive the borrower may be to lenders.