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Best Credit Repair Companies to Help Boost Credit Scores Fast

Our credit card score has a significant impact on almost every aspect of our life. For example, if you have a poor credit score, you may be subjected to spending significantly more money each year on loans, mortgages, and insurance premiums. If not dealt with properly, it may even lead to unemployment.

Fortunately, some companies provide services to help those with bad credit. A reputable credit repair company can drastically improve your credit score.

Finding a company that can best meet your needs for a significantly lower cost can be difficult. The process is daunting and time-consuming, especially if you are not familiar with how credit repair works.

Many credit repair companies work like any other service provider, promising to give the best solution for your credit score. However, not all of them live up to the expectations of the users. Some of these businesses may help you improve your credit score, but they will charge you a hefty fee.

It can be difficult to find a firm that can best suit your demands at a substantially lesser cost. The procedure is intimidating and time-consuming, especially if you have no prior experience with credit repair.

This article is a round-up of some of the best credit repair companies you can choose from with just one click. Considering customer reviews and the brand’s reputation, the following ones stand out as being the best online credit repair companies. Most of these companies have been in the market for a long time now. Therefore, they are well aware of what the clients want.

Sky Blue Credit One of the best credit repair companies, Sky Blue Credit offers some of the top credit repair services in terms of monitoring, credit report, and other credit repair services.
Credit Saint A reputable credit repair service, Credit Saint offers credit monitoring and accurate credit report analysis.
Lexington Law Lexington Law is one of the best credit repair companies for credit monitoring and identity theft protection. It is one of the major credit reporting agencies that are BBB accredited.
CreditRepair One of the best credit repair companies, CreditRepair.com offers a reputable credit repair service to fix credit history and inaccuracies on the credit report.
TransUnion TransUnion offers accurate credit monitoring and credit analysis; it is one of the most reputable credit repair companies and is also a credit bureau.
Credit Sesame Credit Sesame sources your credit report from major credit bureau services and is unlike other credit repair companies in the credit repair business.
Credit Karma Credit Karma is one of the best credit repair companies to offer an accurate credit report as well as protection from credit scams.
The Credit Watcher The Credit Watcher watches over your credit through credit monitoring and precise credit report analysis, making it one of the best credit repair companies in the credit repair industry.
Credit Monkey The best credit repair company, Credit Monkey, is like the other reputable credit repair companies on our list with good credit analysis and credit monitoring.
MyFICO Many credit repair companies charge a hefty fee, however, MyFICO brings the best credit repair services such as monitoring, credit analysis, etc, at affordable rates.
CuraDebt One of the best credit repair companies to fix the history and score of your credit, CuraDebt provides reliable and reputable credit repair services.
FreeScore360 Offering reputable credit repair services, FreeScore360 has an affordable credit remodel package.
The Credit People Decently rated by Better Business Bureau, the Credit People is one of the good credit repair companies in the credit repair industry.
Leap Credit Leap Credit may not be one of the best credit repair companies on our list, but it certainly is one of the good credit repair companies with affordable credit repair packages.

Let us dive into the detailed analysis of the companies to make it easier for every layperson out there. Once you go through this detailed account of credit repair services, you will find it easy to choose which company suits your requirements.

Sky Blue Credit

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Company Overview
Category Credit Repair Companies
Service Highlights
  • Free credit score analysis and free credit reports
  • Repair credit history at affordable service packages
  • Affordable monthly fee and one-time setup fee
  • Provides identity theft protection based on credit repair plans
  • BBB Rating A+
    Setup Fee/Initial Charges $79.00
    Monthly Fees $79.00
    Money Back Guarantee 90-day money back guarantee
    Terms of Consultation Free Consultation

    Sky Blue Credit offers its services for a monthly fee of 79 dollars, including a six-day free trial period. However, the service that makes this company stand out from others is that the purchase comes with a Three month-money-back guarantee.

    Sky Blue Credit takes the crown for being among the pioneer firms in the market. They have been proudly providing credit repair services to their customers since 1989. Existing in the market for a longer time than others gives them an edge over emerging or new companies. They can better identify the shortcomings in the credit scores of their customers that other companies might overlook.

    Furthermore, the company provides quick dispute resolution, i.e., 15 items after 35 days, and offers customized disputes that specifically serve your circumstances. Some other benefits of the company include professional analysis of your data and state legal research for all of your matters regarding debt collection.

    Sky Blue Credit tops the list mentioned above because of its skillful approach towards the challenges faced by its customers and the improvements they help make to the credit score overall.

    Credit Saint

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    Company Overview
    Category Credit Repair Companies
    Service Highlights
  • Free credit score analysis and free credit report
  • Offers identity theft insurance on some service packages
  • Ties with three major credit bureaus
  • Provides accurate credit monitoring in the credit remodel package
  • BBB Rating A
    Setup Fee/Initial Charges $99.99
    Monthly Fees Starts from $79.00
    Money Back Guarantee 90-day money back guarantee
    Terms of Consultation Free Consultation

    Credit Saint’s website, CreditSaint.com, is also a great place to start. Credit Saint offers a free first consultation as one of the benefits of using the firm for credit repair. As a result, you can evaluate the company’s operations and decide whether or not to use their services.

    Credit Saint is one of the few firms on our list that offers a money-back guarantee of 90 days. In addition, the company has been recognized first in challenging credit score inaccuracies. You have the opportunity to request a complete refund if you are unsatisfied with the company’s development or the increase in your score.

    Additionally, Credit Saint takes the lead when it comes to the customer experience. They provide efficient and effective solutions for anyone with a low credit score. The company also has a private dashboard and resources to educate people about the credit repair process.

    Furthermore, Credit Saint offers several services beyond credit repair, such as credit evaluation, which is entirely free of cost. It is intended to give customers an idea about whether the company is worth their money or not. This is beneficial for people who are unfamiliar with credit repair.

    Lexington Law

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    Company Overview
    Category Credit Repair Companies
    Service Highlights
  • Ties with three credit bureaus
  • Provides accurate credit monitoring, free credit score analysis, and three credit repair packages
  • Great better business bureau rating
  • Free credit consultation
  • BBB Rating C
    Setup Fee/Initial Charges Starts from $89.90
    Monthly Fees Starts from $89.95
    Money Back Guarantee 0-day money back guarantee
    Terms of Consultation Free Consultation

    Lexington Law is aware of the fact that credit score improvement does not happen all of a sudden. It requires time, the expertise of professionals, and aid from a legal firm. All of this is just one click away at Lexington Law, which you can easily access on their website LexingtonLaw.com.

    Established in 2004, the company has proven itself to be among the most experienced firms in the market. With the experience of nearly two decades, the company has helped remove over 70 million credit issues from customers’ credit reports.

    Lexington Law has laid down some steps to ensure professional and satisfactory services for its customers. The first and foremost step the company takes is to research and review your credit score thoroughly. This helps them define which aspects are negatively affecting the score.

    Once the problem has been identified, the company asks your creditors and bureaus to verify negative items accurately. If it can’t be verified, the creditors are bound by law to remove those items.

    Lastly, the company keeps on managing and observing your account to avoid or deal with new issues that may arise over time.

    CreditRepair.com

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    Company Overview
    Category Credit Repair Companies
    Service Highlights
  • Free Credit Score analysis and free credit reports
  • Offers identity theft insurance on some service packages
  • Ties with three major credit bureaus
  • Provides accurate credit monitoring in the credit remodel package
  • BBB Rating D
    Setup Fee/Initial Charges Starts from $69.95
    Monthly Fees Monthly fee starts from $69.95
    Money Back Guarantee N/A
    Terms of Consultation Free Consultation

    Just like other companies mentioned in the list, CreditRepair.com comes with perks of its own. It provides some services for free before subscription. A summary of your credit, a review of one negative item, and an improvement plan for your credit score are some of the perks you get to enjoy before signing up. This allows customers to decide whether they want to proceed with the company’s premium services or not.

    Like other top-rated companies listed above, CreditRepair.com follows carefully crafted steps to ensure satisfactory customer service. Moreover, the company routinely examines credit reports to find out errors in entries.

    These entries are then presented to creditors and bureaus for verification of accuracy. If the bureaus fail to verify these entries, they are legally obligated to remove them from the record. Thus, this method helps improve the credit score by a noticeable amount.

    Since its establishment in 2012, CreditRepair.com has helped consumers remove over 1.8 million entries from their credit reports. It has also assisted in the resolution of over 19 million disputes and challenges. In the previous nine years, the business alone has sent over one million interventions. This is sufficient evidence to conclude that CreditRepair.com is one of the top credit repair companies available right now.

    Furthermore, CreditRepair.com is a company that provides flexible plans based on your needs. These include primary, moderate, and aggressive plans depending on the extent of improvement needed in your credit score.

    TransUnion

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    Company Overview
    Category Credit Repair Companies
    Service Highlights
  • A major credit bureau for credit monitoring and free credit consultation
  • Excellent better business bureau ratings
  • Shows accurate credit history
  • Removes inaccuracies according to fair credit reporting act
  • BBB Rating A+
    Setup Fee/Initial Charges $0.00
    Monthly Fees Monthly fee starts from $24.95
    Money Back Guarantee Varies
    Terms of Consultation Free Consultation

    TransUnion provides credit repair and credit protection services and is among the three biggest credit agencies in the US.

    The other two major bureaus are Equifax and Experian.

    TransUnion is a for-profit corporation that keeps track of your credit score. It also provides services upon subscription that keep monitoring your data to raise your credit score with time.

    TransUnion charges $25 a month for their subscription services, and they come with services such as CreditCompass and Credit Lock Plus. As the name indicates, CreditCompass provides suggestions on how to keep your credit score on the right track. On the other hand, Credit Lock Plus protects your TransUnion reports from damage if the information is compromised. And all of this does not even require long, complicated processes; just a few simple clicks would do the trick.

    Among the most notable features of TransUnion is that it provides identity theft coverage to its subscribers. If the information is misused and results in a loss of money, the company compensates by giving $1 million to the subscriber. Not many companies claim to provide compensation on such a large scale which shows that the core values of TransUnion lie in delivering quality service to its customers.

    TransUnion provides plenty of other tools that help you attain and maintain a good credit.

    Credit Sesame

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    Company Overview
    Category Credit Repair Companies
    Service Highlights
  • Helps avoid credit repair scams and improves credit history
  • Provides top-notch credit monitoring, free credit reports, and identity theft insurance
  • Sources data from major credit bureaus
  • Abides by credit repair organizations act
  • BBB Rating A+
    Setup Fee/Initial Charges $0.00
    Monthly Fees Monthly fee starts from $9.95. Also includes free services.
    Refund Guarantee N/A
    Terms of Consultation Free

    Credit Sesame is among the few credit repair service providers that have a mobile application, which can be downloaded on both the major mobile operating systems, iOS and Android, and is convenient to use. In addition, the app makes it relatively easy for subscribers to keep track of their credit scores and easily monitor them.

    The idea behind the app’s development is to provide a Personal Credit Management (PCM) platform. Subscribers can use this all-in-one platform to access, manage, and view all the issues regarding their credit.

    On top of that, the application is free and requires no subscription fee. As a result, users can check their credit reports whenever and wherever they want. This app also offers a look into what the credit score of the user means.

    Furthermore, Credit Sesame also provides offers that are specifically tailored to your credit-based needs. For example, it lets you use your credit to take advantage of other opportunities presented to you. If you benefit from those opportunities, the company gets some of the shares from the money.

    Even if the customers decide not to take up the opportunity, the application is free to be used by anyone. Getting to decide whether or not to take up the offer is one of the most important perks of choosing Credit Sesame for your credit repair services. This is because almost all other companies require you to pay a small fee to access your credit information.

    Credit Karma

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    Company Overview
    Category Credit Repair Company
    Service Highlights
  • Speeds credit repair process with free credit reports and credit monitoring
  • No monthly fee
  • Sources credit report from major credit bureaus
  • Helps repair credit with accurate credit score analysis
  • BBB Rating A-
    Setup Fee/Initial Charges $0.00
    Monthly Fee Free services
    Refund Guarantee NA
    Terms of Consultation Free

    Credit Karma has amassed a user base of more than 100 million users owing to its satisfactory services. Similar to Credit Sesame, this company, too, has a mobile-friendly app that is compatible with both iOS and Android. In addition, the company provides a wide range of services to choose from and is known to be among the best credit service providers.

    The Credit Karma mobile application is free and provides credit reports and insights without charging a dime in return. The app, however, uses your credit score and information, and in turn, provides offers to you. These generally revolve around loans, mortgages, financing, savings, and several others. However, customers are not obligated to accept these offers. Credit Karma leaves that up to the users to decide. The app is convenient and free, whether or not users take up the offer.

    In addition, Credit Karma lets you manage all of your credit scores with convenience and spares you the consequences you might face due to errors in an entry.

    The Credit Watcher

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    Company Overview
    Category Credit Repair Company
    Service Highlights
  • Precise credit monitoring and accurate credit analysis to repair credit history
  • Best in the credit repair business for sourcing data from major credit bureaus
  • Abides by Credit Repair Organizations Act
  • Has good customer reviews
  • BBB Rating F
    Setup Fee/Initial Charges $0.00
    Monthly Fee Monthly fee starts from $39.90
    Refund Guarantee NA
    Terms of Consultation Free

    You can access the official website of The Credit Watcher at TheCreditWatcher.com.

    It gives you access to all of your credit scores from three of the main credit bureaus, i.e., TransUnion, Experian, and Equifax. All of these credit reports are instantaneously delivered to you. After that, you get credit reports and scores daily.

    However, one of the main shortcomings of The Credit Watcher is that it is not a full-service credit repair firm. Still, it does give you access to all of your credit information and allows you to monitor improvements and avoid errors in the entries.

    The most prominent disadvantage of The Credit Watcher is its subscription charges, which are $39.90 every month. In addition, the company does not provide customized offers based on credit, like Credit Karma and Credit Sesame do. You do, however, pay a higher fee to save your personal information from being misused and sold to other parties.

    Credit Monkey

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    Company Overview
    Category Credit Repair Company
    Service Highlights
  • Free credit report and credit score analysis to repair credit history faster
  • Sources credit report and credit history from major credit bureaus
  • Affordable credit repair options
  • Abides by Credit Repair Organizations Act
  • BBB Rating B
    Setup Fee/Initial Charges $0.00
    Monthly Fee Monthly fee starts from $99.00
    Refund Guarantee 90-day money back guarantee
    Terms of Consultation Free

    You can find the official website for Credit Monkey at CreditMonkey.com. The subscription charges start at $99 and go up to $499 a month. The services of the company are available in every state. The company also claims to make significant changes to user credit scores by eradicating entries that have not been proven accurate by lenders and creditors.

    According to the statistics presented by Credit Money, almost 89% of all credit reports have errors. These may be minor like inquiries or big like late payments, bankruptcies, etc. But whether small or big, these mistakes can have a severe impact on your credit.

    With Credit Monkey, you can choose from six plans based on your unique needs. The basic plan starts at $99/month and can remove five negative entries from your credit score record.

    On the other hand, the most premium plan starts at $499 per month and removes an infinite number of negative entries and items. It also includes five active credit cards and a credit line of $10,000.

    MyFICO

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    Company Overview
    Category Credit Repair Company
    Service Highlights
  • Sped-up credit repair process with free credit credit report
  • Sources credit report from credit bureau such as TransUnion
  • Excellent Better Business Bureau rating
  • Offers three credit repair packages
  • BBB Rating A+
    Setup Fee/Initial Charges $0.00
    Monthly Fee Monthly fee starts from $19.95
    Refund Guarantee NA
    Terms of Consultation Free Consultation

    FICO is an analytical company that takes data from the three main credit bureaus to track your credit score. Therefore, MyFICO is the consumer division officially affiliated with FICO. MyFICO offers two subscription plans. You can either choose an advanced plan for $29.95 or a premium plan for $39.95/month. Both the subscription plans grant you instant access to your credit reports, so you can quickly check your score for negative entries or mistakes.

    Aside from that, MyFICO provides both credit monitoring and repair services. Since it collects data from the three bureaus, creditors or lenders are already analyzing your FICO score. As a result, you must understand your score, how it is calculated and how it functions.

    Almost 90% of the top-tier lenders use FICO scores as a means to analyze the credibility of users. Therefore, the MyFICO app makes it relatively convenient for you to track and boost your score by monitoring the most critical metrics.

    Both the subscription plans of the MyFICO app are mostly similar. They provide data from all three bureaus, monitor your score, and provide credit reports. The MyFICO app also provides compensation of $1 million in case of identity fraud and a 24/7 service to restore identity.

    The plans differ only in that the Premier plan gives monthly updates while the Advanced plan gives updates every three months.

    CuraDebt

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    Company Overview
    Category Credit Repair Company
    Service Highlights
  • Accurate credit monitoring for repairing credit history
  • Sources credit report from major credit bureaus
  • Affordable credit repair options
  • Ensures that three credit bureaus abide by fair credit reporting act
  • BBB Rating A+
    Setup Fee/Initial Charges $0.00
    Monthly Fee No monthly fees
    Refund Guarantee Free
    Terms of Consultation Payment on settlement

    CuraDebt has been offering its services since 0000. Since then, it has been providing financial solutions to people all over the US. The company has a far-ranging list of services, such as relief for medical bills, credit cards, and debt. For 20 years, CuraDebt has served more than 200,000 customers. And for this reason, it is considered a top debt-relief firm that can help you reduce your financial burden.

    Before you purchase any service, CuraDebt gives you a free estimate of the savings to assist you in determining your potential savings. CuraDebt has an accumulative experience of almost a century and has been assisting people in solving issues related to tax debt while focusing on the resolution of payments and non-collectibles.

    Furthermore, the team at CuraDebt believes that the best way to improve credit scores is to decrease debt. Thus, CuraDebt provides the best possible services to help you lower your debt.

    FreeScore360

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    Company Overview
    Category Credit Repair Companies
    Service Highlights
  • Affordable monthly fee and one-time setup fee
  • Provides identity theft protection based on credit repair options
  • Excellent credit monitoring and fast credit repair process
  • Free Credit consultation and free credit report
  • BBB Rating A
    Setup Fee/Initial Charges $0.00
    Monthly Fee $29.95
    Refund Guarantee NA
    Terms of Consultation Free Consultation

    FreeScore360 charges $29.95/month as a subscription fee and provides data from all three credit bureaus. It also provides a free trial period of 7 days where you can easily see your credit score. Moreover, you can easily cancel your subscription to the service at any given time.

    When you subscribe to FreeScore 360, it grants you access to its ScoreSense system. This system monitors and provides alerts related to your credit score. It also has a platform with interactive learning that teaches you about credit scores and gives you an insight into how they work.

    Most of the services provided by FreeScore360 are similar to the various credit score repair companies discussed above. The only downside to FreeScore360 is that it does not have the recognition and repute of other service providers. Therefore, people might be hesitant to give it a try.

    Regardless, FreeScore360 is a good option for people unwilling to spend a mighty sum of money on improving their credit score.

    The Credit People

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    Company Overview
    Category Credit Repair Companies
    Service Highlights
  • Affordable monthly fee and one-time setup fee (credit repair packages)
  • Provides identity theft protection based on credit repair options
  • Accurate credit report from major credit bureau such as TransUnion
  • Good better business bureau rating
  • BBB Rating C+
    Setup Fee/Initial Charges $19.00
    Monthly Fee Starts from $79/month
    Refund Guarantee 60-day money back guarantee
    Terms of Consultation Free

    The Credit People have their official website at TheCreditPeople.com. It gives you accessibility to all of the credit reports and scores. Furthermore, The Credit People guarantees significant results in less than two months, owing to their professional and calculated methods.

    The company has been serving customers for 15 years, and their subscription starts at $19. As one of the top credit repair companies, The Credit People provides services that are not limited to credit score monitoring.

    The Credit People claim that their programs can increase their customers’ credit scores by 53 to 187 points. So far, 1.4 million credit issues have been fixed by The Credit People.

    Another distinctive feature of the company is that 18% of its customers have been allowed loans for houses. Meanwhile, they gave 78% of loans for an automobile purchase, and 81% were allowed new credit.

    Leap Credit

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    Company Overview
    Category Credit Repair Companies
    Service Highlights
  • Legitimate credit repair company for student loans
  • Affordable credit repair packages
  • Accurate credit monitoring and credit report
  • Offers reliable credit report service
  • BBB Rating B
    Setup Fee/Initial Charges $0.00
    Monthly Fee Monthly fee starts from $75.00
    Refund Guarantee NA
    Terms of Consultation Free

    You can find Leap Credit online at LeapCredit.com.

    Leap Credit is recommended for people looking for a faster solution. Some of the perks include their quick application system and quick approval of loans for users with all credit scores. However, the company has a set of minimum conditions that you need to fulfill to get the loan approved. These include US citizenship, an income source that can be verified, an active bank account, and a minimum of 18 years of age.

    Once you are able to fulfill all the above-mentioned criteria, the company deposits money in your bank account within two working days.

    How Were The Companies Ranked?

    Like any other business in the market, almost every credit repair company claims to provide top-quality services. However, the majority of them fall short of their clients’ expectations. Finding companies that deliver the services they advertise requires a lot of time and effort. Therefore, the companies mentioned above were filtered from the rest, keeping the following criteria in mind:

    Improvement

    The primary purpose of using a credit repair service is to raise your credit score significantly. Therefore, the most significant thing to analyze is how much your credit score improves. In most cases, a capable credit repair company can improve your credit score by several hundred points.

    Pricing

    Not everyone has the affordability to spend tons of money on credit score improvement. Therefore, the price was one of the first factors we considered while generating this list.

    Honesty And Transparency

    Making a claim is easy, and most companies do just that. However, if a company is not honest about its policies, it might be a scam or a waste of your money. Therefore we carefully filtered the companies only to select those who were honest and open about their work procedures.

    Estimates Of Credit Score Increase

    It is essential to keep track of the average increase in credit scores. The best companies always generate it from the credit score improvement of their previous customers. For example, the firm TheCreditPeople.com has estimated a credit score raise of 58 to 187 points.

    Repairing And Monitoring

    Some companies are more inclined towards credit monitoring, while others put more emphasis on credit repair. However, most clients are not aware of the credit repair service and can not tell which one they need. Several companies mentioned in our list were preferred because of their solid credit repair methods and not just monitoring.

    Methods Of Repairing Credit Score

    The majority of credit repair services analyze your data and figure out the inaccurate entries. The credit bureaus then remove these entries. However, this is not the tricky part of credit repair. Most companies do that by contacting all three of the credit repair bureaus and removing the error.

    The difficult task, however, is to challenge the bureaus to verify all the entries on the credit report. If the bureaus fail to verify any entry, they are bound to remove it altogether.

    Refund Policies

    Most companies make huge claims but fail to deliver quality services. Therefore, companies with a good reputation always provide satisfactory services and money-back guarantee policies if the clients are not satisfied. The company Credit Saint offers a money-back guarantee for 90 days if the customers are not happy with the results of their service.

    User Interface, Dashboard, And Convenience

    The companies listed above provide straightforward and easy-to-use interfaces and dashboards to monitor your score. The best credit repair companies invest in bringing convenience to their customers’ lives. Therefore, the companies mentioned in our list are chosen based on customer experiences and reviews regarding their interfaces and dashboards.

    Reputation

    A company’s reputation is one of the most critical factors that you must keep in mind before spending money on its services. Unfortunately, most companies charge you hundreds of dollars but then fail to provide satisfactory results. On the other hand, companies like CuraDebt and Lexington Law have been in the market for more than 20 years. As a result, they have become accustomed to the needs of their clients and provide top-quality services accordingly.

    Benefits Of Improving Credit Score

    The following are some of the essential perks that you get to enjoy with a high credit.

    Dream Wedding

    A survey conducted by Market Watch reported that about 58% of Americans prefer not to marry a person with debt. Debt is considered a serious issue, and most people prefer to run background checks before agreeing to marriage.

    Cheaper Car Insurance

    The insurance firms in almost all states of America make use of your credit. Since people with bad scores are seen as less reliable, they are considered to be a bigger risk when providing insurance. As a result, companies charge considerably higher prices to avoid potential losses in the future.

    Thus, improving your credit can help you save over a thousand dollars on car insurance.

    Better Credit Cards along With Higher Limits

    A better credit implies that you can responsibly repay your loans; therefore, companies are more willing to give you money. A high credit can also increase the limit of your credit card from $2,500 to $25,000, along with other perks and annual rewards.

    Easy Approval Of Mortgage At Cheap Rates

    A low credit gives the impression that you are not capable of repaying the money on time. This makes it difficult for you to get a mortgage at reasonable rates.

    Easy Approval Of A House

    Almost all landlords and property management services run a background check on your credit before renting the property. In most cases, landlords choose a person with a good credit. The reason being that a good credit adds to your credibility and reliability.

    Better Negotiation

    In addition, having a bad credit takes away your power of negotiation. The lenders are aware that you do not have a lot of choices in the situation. Since you do not have the upper hand, you are in no position to make a deal.

    Cell Phones At Better Rates

    Most cell phone corporations tend to provide better offers for people with good credits. For example, some companies do not demand a security payment and give you a decent phone at a lower price. In contrast, a bad credit forces you to settle for prepaid phones at higher rates.

    Better Utility Coverage

    People with bad credits have to pay security deposits on utilities to cover for possible loss of money in case of late payments. These security deposits range from $100 – $300.

    Homeowners Insurance

    A bad credit gives the insurance companies an impression that you are likely to commit insurance fraud. Since it poses a threat to the finances, the companies charge you more than someone with a good credit score.

    Confidence

    A good credit shows that you are a responsible person and can manage your finances. Overall, this paints a good picture of you in the community.

    How to Choose The Right Credit Repair Company For Yourself?

    It is obvious that even from these 14 credit score repair companies listed in our article, you shall choose only one. But how do you choose the ‘one’ ? How do you know which is the right credit repair company for you?

    Following are the metrics you must take into consideration when choosing the best credit repair company for yourself.

    Free Consultation

    Many credit repair companies, in the credit repair industry offer a free one-on-one consultation with an executive or expert from their credit repair agency. But, why are the terms of consultation important when choosing the best credit credit repair services?

    When you get into long-term business with any credit repair agency or credit repair company, it is of utmost importance to understand what it would be like working with the company on a full-time basis. Free terms of consultation also give you an insight to what are the major discrepancies on your credit report that the credit repair agency will help you fix.

    This is why most credit repair companies offer free terms of consultation amongst one of their top credit services so you can be sure of what you are getting into and whether you would like to go forward with the credit repair agency or not.

    Money Back Guarantee

    It is an undoubtable fact that investing into anything ‘new’ can be a little overwhelming and a paranoid experience for the individual. When you are on your own, it can be a little scary to take the bet and put your money into what you consider the best credit repair company.

    It is not an uncommon thing to stumble across or become a victim of credit repair scams. This is why many credit repair companies offer a Refund Guarantee on their credit repair service.

    The money-back guarantee offered by most legitimate credit repair companies is somewhere between a 30-day money back guarantee to as much as a 90-day money back guarantee.

    For example, Sky Blue Credit and Credit Saint offer a reasonable money back guarantee on all of their best credit repair services.

    However, there are many legitimate credit repair companies that do not offer a money-back guarantee. For instance, Lexington Law is one of the most reputable credit repair companies but it does not have a refund insurance.

    To protect yourself from scams in the credit repair industry, it is ideal to choose credit repair agencies that offer at least some sort of guarantee. Alternatively, you can also choose a credit repair company that has good Better Business Bureau ratings as well as positive customer reviews.

    Accurate Credit Report Analysis

    A credit report is a crucial facet to any credit repair analysis, thus, the accuracy of the report is of utmost importance. When choosing the best credit repair company for yourself, look at what the credit companies offer to you in terms of credit report analysis. On top of that, it is important to look out for a credit reporting agency that also provides a free report for first-time users of their services.

    This gives you an idea about what aspects of your credit report you would like the credit repair service to fix to help you achieve a good credit score.

    The best credit repair companies like Lexington Law and Credit Saint offer not only accurate credit report analysis but also a free report for the first time.

    Pricing Options and Packages

    The right credit repair company is not always about offering a reputable credit repair service. Legitimate credit repair services have affordable plans and pricings too. It is an obvious fact that you are trying to fix your credit so you can approach debtors with a clean slate. But, if the cost of cleaning the slate is too high, how would someone manage with that?

    This is why it is important to look at the plans and pricing options when choosing the best credit repair company for yourself. Legitimate credit repair companies charge somewhere between $30 to $180 for fixing your credit. If any credit repair agency or credit reporting agency charges hefty prices for serving you the bare minimum, i.e., fixing your credit, it is best to steer clear of it.

    You must keep in mind that a sky-high price does not mean that the credit repair company is very good at what they do. It is possible that the premium price tag is one way to lure customers and churn out big chunks of money from their pocket.

    Complementary Benefits

    The credit repair industry is all about cut-throat competition. This is why the many credit repair agencies as well as credit reporting agencies offer complementary benefits with their plans and pricing.

    This may be a rare thing if you are choosing a basic plan from your supposed best credit repair company, however, if you are buying a premium plan, most credit repair companies that are legitimate offer complementary benefits such as identity theft security, a free tool or app to manage your credit progress, etc.

    Now, many of these complementary benefits provided by the best credit repair service companies may not be of use to you, however, when you are buying a premium plan, it is ideal for you to expect the credit reporting agencies to offer you additional benefits; more so if you have a lot to repair on your credit.

    A good example is Credit Saint; Credit Saint offers a plethora of benefits on its premium pricing packages.

    Credit Repair Process and Speed

    The best credit repair companies work at a continued and systematic speed to deliver results. On the other hand, many other credit repair companies blatantly claim to give you instant results. When opting for a credit repair agency, it is best to steer clear of such too-good-to-be true marketing claims made by average credit reporting agencies.

    You should understand that the top credit repair services work diligently hard to repair your credit, which follows a systematic process. First the credit repair agencies pull your data and credit report from the bureaus, then they thoroughly scrutinize it to find errors and discrepancies.

    Next, they send dispute letters to bureaus. The best credit repair service companies can do it in a short span of time; however, it does take a while, for many or most top credit repair services.

    Once the dispute letter is sent, the credit repair agencies wait for the disputes to be resolved. The credit repair agencies may send more dispute letters if the bureau rejects the letter or takes too long to revert or correct the inaccuracies.

    With all that said and done, you should know that the best credit repair agencies take somewhere between a month to three, to help better your credit. You should ideally see that your collaboration with the credit repair agencies is paying off well in a few months.

    Conclusion – Are The Best Credit Repair Companies Worth It?

    If you do not want to settle for the bare minimum in life, choosing a good credit repair company is necessary.

    By taking the help of credit repair service providers, you can improve your credit and move towards a better future. The best credit repair companies have been in the market for a long time and know what the clients demand.

    Almost every company on the market can fix your credit score, no matter how low it might be. However, only a few can provide top-notch services and employ highly professional methods to bring a commendable change to your credit score.

    Therefore, it is advisable to go over these highly-reputed companies to ensure that you are doing what is best for your financial future. Giving a few of these companies a try can help you decide what you want. Furthermore, you can also gather more data to further determine the best ones among these.

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