Even the most basic package (the standard package) includes unlimited challenges to all three credit bureaus. Upgrading to the premium package includes escalated disputes and monthly credit score reports and score refreshes. Our online credit repair service includes automated dispute creation, producing fitted letters directly from your credit report. CreditDIY’s dashboard connects with all three major bureaus – Experian, TransUnion, and Equifax – to track changes in real time. With AI-driven support, outdated data, duplicate entries and unverifiable debts are seamlessly removed from your credit profile.

Get Started On Your Credit Repair

To find the best credit repair company, check the company’s name on the CFPB’s Consumer Complaint Database and see if there are any cases opened against it by the FTC. It’s equally important to know that credit repair companies are legally prohibited from collecting payment for services upfront. Our customizable and comprehensive solutions allow you to repair your credit easily and effectively. For this list, we selected credit repair companies with over a decade of experience in the industry, ensuring a solid track record of successful disputes and removals for their clients. But others may require all three to get to their ideal credit score.

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Both plans provide the same credit services including unlimited credit bureau and inquiry challenges. Sky Blue doesn’t offer a discount, per se, though it does provide special savings for couples seeking help with credit repair. If you opt for a basic plan, you can add your partner to the service for $40 per month for a total of $119 monthly.

Upon getting started with us, we design a full-proof strategy for the success of your credit repair campaign. Not all lenders use Experian® credit files, and not all lenders use scores impacted by Experian Boost®. The credit card offers that appear on this site are from companies from which FinanceBuzz receives compensation such as banks or CardRatings.com. Credit card interest rates are usually higher, car insurance premiums can be more expensive, and even utility bills can be pricier if you have not-so-great credit. Paying a professional to help clean up your credit could be the difference between costing or saving tons of cash. It’s important to know what red flags to look for when dealing with credit repair companies.

Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

Repair companies help clients remove negative items from credit reports. The goal of credit services is to increase your credit score so you can qualify for better interest rates on loans, credit cards, and other forms of credit. The credit repair process usually involves a combination of tools, including credit counseling, debt settlement, credit monitoring and account dispute resolution.

First, The Credit People will call you and set up your online account. The same work may cost you a month’s worth of service fees in another company. From its beginnings in 2009, the Lasvegas Credit Report company has served over 200 clients and finished more than 1,400 projects. It serves clients in Las Vegas, offering various credit repair solutions. Its team members check up on credit reports to find items that need correcting.

Life Is Too Short To Be Haunted By Bad Credit

If you have several credit cards, be sure to make each personal loan payment on time. Late payments on your home mortgage loan, credit cards, debt payment, or life insurance may show up as negative items on your credit report and cause bad credit. Depending on the circumstances behind the late debt payment and fees, it may be possible to have the payment history corrected or removed from your credit report. You can talk to one of our credit specialists about your credit report and learn about the repair options available. As the leading provider of credit repair service s in Virginia, we help individuals to improve their credit scores without charging any major set up fees or hidden charges.

In addition to helping clients repair their credit, The Credit Pros also offers tools to help them understand their finances and credit better. It provides a more holistic credit and budgeting solution than many competitors. The Credit Pros offers three plans, and it has no recent complaints with the CFPB. Despite its past track record, Lexington Law has had some recent legal troubles. The company and affiliated credit repair firms were sued by the CFPB in 2023 for shady business practices.

The Fair Credit Reporting Act gives you the right to dispute inaccurate information and have any wrong information removed or corrected. Credit bureaus have 30 days to respond to disputes with a completed investigation, according to the law. A credit repair company can offer a range of different services to help you grow your credit score after past mistakes. The main action these companies take is trying to get negative information removed from your credit reports. Since these companies are for-profit organizations, they do this in exchange for payment.

They’ll determine variables that negatively affected your credit file. If credit card debt is holding you back, learn if a Debt Management Plan can put you back on the path to financial wellness. If you suspect you’re a victim of a credit repair scam, you can file a fraud report with the FTC. You may also choose to file a report with your state attorney general’s office or a local consumer affairs authority. You can compare secured credit cards like the Quicksilver Secured Rewards or Platinum Secured cards to see if one might fit your needs. A person’s credit history comes from their credit activities, both positive and negative.