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Top: Best 10 credit repair company reviews Part I

The top 10 credit repair company reviews – after comparing prices, consumer support, services and client feedback – for you to make better choices during comparisons. Who are the best 10 credit repair companies? At KIG Hall, receive unbiased reviews on what these companies provide and how they can help you to improve your credit score.

 

#1 Lexington Law credit repair company.

Editor’s choice: Best overall – an unbiased review from locals & expats. Lexington Law is a company that provides the best credit repair service. Not only did the firm provides a wide range of products (credit repair, debt settlement, debt consolidation, professional advices and more), but also educational resources (ebooks, articles, videos, newsletter and more) to you.

 

The dedicated paralegal firm offers resources for consumers to make proper financial decisions, calculation of credit scores, clear up credit reports and ensure progression. Here is a brief overview of what Lexington Law credit repair provides:

#1 Lexington Law
PROS of Services CONS of Product Offerings
Provides a mobile app (iTunes Appstore) Signup fee of $100.00
Has accredited paralegals to help you Couple’s incentive of up to 8%
Sends live updates on bi-weekly progress Monthly cost of $80.00 min.
Works on most disputes Limitations on basic plans
Offers real-time education on debt Pay to access such services

 

In effect, Lexington Law aids you to learn about your existing status and connects you with a dedicated paralegal every two weeks. An online portal is accessible to check the progression of your disputes. You may use the smartphone app on-the-go to check for updated information. Upgrade to a Premier Plus plan to dispute eight items per month.

Note: Be prepared to pay $600 for Lexington Law’s services (the average length for credit repair is about 6 months).

Search for: Is debt consolidation best for me? | Is 6 months enough to fix my credit?

 

#2 Sky Blue credit repair company.

Consumer’s choice: Best value – free of bias from locals & foreigners. Sky Blue is a company that provides the best value-for-money service. Expect to not find any other agencies offering the lowest price. With a monthly cost of $59, the firm’s reputation and low-cost solutions made a “perfect” match for consumers in search of lower cost alternatives.

 

The low-cost firm offers resources to learn how to manage mix of debt, formula for credit score calculation, clean up credit reports and maintain stability. Here is a succinct overview of what Sky Blue credit repair provides:

#2 Sky Blue
PROS of Services CONS of Product Offerings
No hidden cost or clause in signup fee Lack dedicated paralegal & customer agent
Up to 16% couple’s discount incentive 3rd party credit monitoring service
Frequency of email updates Lack educational videos & resources
Lowest cost agency (with good service mix) No dedicated manager for follow-ups
Fastest service delivery process Speed promise applies to quick fix only

 

In effect, Sky Blue lowers cost for your credit repair service and promises to repair consumers credit fast. An online portal includes courses, articles and a blog for you to improve knowledge on debt. Personalized analysis of items on your credit report and progress on disputed items. Expect a cost savings of about $100 less than consumer repair services.

Note: Be expected to pay $370 for Sky Blue’s services (the average period for credit repair is about 6 months).

Search for: How do I raise my fico scores quickly? | Can I “Fix” my credit scores fast?

 

#3 Creditrepair.com credit repair company.

Popular Choice: Best tracking – a bias free review from locals & aliens. Credit Repair Com is a company that provides the best tracking services. Constant updates on credit reporting makes Creditrepair.com a preferred option to go for. With a personalized touch of regular updates on every dispute on your credit report, the firm is trusted for “sensitive” consumers.

 

The credit report tracking firm offers a library of educational resources to inform you on how disputes are filed, factors influencing your credit scores, how credit scoring agencies work and other tools. Here is an overview of what Creditrepair.com credit repair provides:

#3 Creditrepair.com
PROS of Services CONS of Product Offerings
Regular updates on emails & texts Price-sensitive customers suffer
Well-designed mobile app Signup fee of $100 to be paid
Real-time credit score tracking Only 8 percent for couple’s discount
Resource-intensive website Only available to paid members
Popular research platform Cannot access without a membership

 

In effect, Credit Repair Com tracks real-time live disputes on your credit reports and pens down the necessary (or recommended) steps to take. An online resource-based site includes videos, credit score calculators and a regularly updated blog. The only drawback is on its expensive credit fix services. Don’t expect cheap options on premium plans.

Note: Set aside more than $600 for Creditrepair.com’s services (the average duration for credit repair is about 6 months).

Search for: Is it a must for a regular credit screening? | How do I devise a plan for my debt?

 

#4 The Credit People credit repair company.

Consumer’s Preference: Preferred opt – an unbiased perspective from locals & expats. The Credit People is a company that provides consumers credit repair services. With a monthly fee of $79, the firm’s low-cost methods and consumer’s preference created a “complete” debtor’s solutions for consumers looking for high-quality yet lower cost alternatives.

 

The preferred firm offers a toll-free customer service support, real-time credit repair dashboard, access to live agents quickly and a personalized one-on-one service. Here is a quick overview of what The Credit People credit repair provides:

#4 The Credit People
PROS of Services CONS of Product Offerings
Single point of contact (Live agents) Slow response rate during peak hours
Dedicated customer service officer Not available especially peak hours
Offers customer dashboard Server response slow during peak hours

 

In effect, TheCreditPeople.com is a low-cost borrower’s solutions provider that fulfills most customer’s basic needs. A dedicated team of 3 agents takes turn to share crucial information for you to improve your credit scores, clean up credit reports and update your info to credit bureaus quickly. The only drawback is on couples getting 2 percent discount.

Note: Saved up about $480 for The Credit People’s services (the average time for credit repair is about 6 months).

Search for: How do I boost credit scores? | Can I do credit restoration?

 

 

#5 Trinity Credit Services credit repair company.

Consumer’s Alternative: Best alternative – a bias-free review from locals & foreigners. Trinity Credit Services is a company that provides local credit & debt management assistance. With good ratings from consumer reviews portals, the firm’s wide range of services (such as debt consolidation & debt settlement) needs no more explanations.

 

The business firm offers credit counseling services, debt reliefs and debt management plans for troubled debtors. The “Christian” emphasis brings forth good reputation and impressions. Here is a fast overview of what Trinity Credit Services credit repair provides:

#5 Trinity Credit Services
PROS of Services CONS of Product Offerings
Access to nationwide credit counseling Not available at rural provinces & states
Local credit helpers available Credit helps not applicable to some people
Promises to boost credit score Complaints received on fast credit score
Unique Trinity Debt Management (TDM) Not available in some states & counties

 

In effect, Trinity Credit Services offers religion-based solutions as unique selling points to meet consumer’s concerns on “shady” businesses. A team of professional credit repair specialists are almost always online and a phone call away. Several prime districts have Trinity’s credit repair, debt settlement and debt consolidation services. Consult now!

Note: Rates depend of financial products for Trinity Credit Services’s services (the average process for credit repair is about 6 months).

Search for: Why I chosen debt settlement over bankruptcy? | What to include in credit repair?

 

Good to know about top: best 10 credit repair company reviews I

When you’re considering credit repair – based on costs, consumer reviews, editors rating websites, ongoing process, types of services and others – price is likely a major financial factor in your decision. Forget about spouse’s discounts now. For a fraction of total cost, with at least an above-average consumer rating, The Credit People or TheCreditPeople.com is an optimal choice.

 

The best credit repair company is Lexington Law. Full suite of services (including paralegals) is available and not many other services can provide. An alternative to Lexington Law is Credit Repair Com or Creditrepair.com. The firm has unique selling points to counter the winner. Sky Blue Credit Repair is a company that provides all-rounder solutions, just like Trinity Credit Services.

 

People also ask:

Who is the best credit repair company?

Why choose the best aggressive credit repair companies?

What is the best credit fix services?

Where can I find debt relief services?

How do I avoid credit repair scams?

When should I report a credit bureau?

 

Quote of the Day: “The right company serves you well – KIG Hall [2013-2018]”

 

Relevant Topics

» Highly effective cr solutions: How to win a dispute?

» Aggressive credit repair: Challenge your creditors!

» Hire reputable credit repair companies: Who do you trust?

» What you need to know about a credit repair: Knowledge is freedom!

» Scam alerts in a credit repair: How to I prevent identity theft & scams?

 

This article was originally published on April 09, 2014. It has since been updated. 

Truth: Be cautious in choosing a credit repair company

Professional credit repair companies somehow withheld esoteric secrets among the conglomerate whether or not you realized the facts behind them. There are no best credit repair agencies out there that observes 100 percent law due to the industry’s nature. How are you going to determine the best credit repair company to do business with? Be cautious in choosing a credit repair company.

 

Good credit repair company.

A good credit repair company does not force its ideas upon debtors. In fact, a dedicated manager often acts as a professional intermediary between your creditors and the credit bureau officers. Knowing how to choose the right agency is of utmost important.

 

Let’s examine a prominent cr agency and its advertisement:

Reputable credit repair services | One-stop cr solutions for debtors of all types | Strict control over financial planning. Removed bad objects. Delete negative information. Ideal credit report. Consult now. Good reputation.

For this kind of ad, you’ll be convinced by the strengths demonstrated in enabling your credit report to be fixed in a professional manner. This is because dedicated managers knew who to look for during the phase of credit repair services and take advantage of the current financial connections in the marketplace.

 

Let’s examine another cheap credit repair service:

Fast credit repair | Cheapest in town | Guaranteed debt management. Under 30 days credit fix. No limits to your credit report. 100% guaranteed bad credit removal. More info here!

For this type of ad, you’ll recognized certain legal constraints involved on the guarantees and timelines. It is practically impossible to state a deadline for a guaranteed fix unless other inappropriate techniques such as using of stolen identities or credit card frauds are being used.

 

Therefore, it is imperative for you to take a step back and analyze which credit repair companies to trust and on what basis do you consider using an accredited agency. Is it really the reputation behind or a mere sales pitch?

 

Provides quality advices & credit repair consultations.

Adopting a holistic approach, understanding the pros & cons of credit repair, a good cr company provides quality advices & credit repair consultations. Knowledge shared has to empower debtors in many ways other than profiting from selling contracts.

 

An agent has to take the initiatives in educating good & bad debtors alike, taking no discrimination against either side of buyers:

Removal of obsolete reported credit info: the agent has to assume responsibility in requesting for deletion of obsolete information in your credit report and teaches you the right way to do so via contacting a local credit bureau agency.

Updating of credit report info: the agent too has to help you in updating your personal information in your credit report thus reflecting the appropriate contact number & address via a form submission to Experian, Equifax or Transunion.

 

In no way should the assigned manager seek you to sign additional (add-on) credit repair services to update information or pay-to-delete advices. Consultation fees are to be discussed upfront before signing of any contractual agreements. The agency has to be transparent in handling your case else risk being implicated under the Fair Credit Reporting Act.

 

 

Reduce debts on your accounts.

On top of providing quality advices in a holistic manner, a good credit repair company aims to reduce debts on your accounts. The rationale of setting the direction right is to get you out of debt instead of lending more to repay other types of credit lines – sometimes known as “revolving credit”. Do not go against the wishes of your dedicated manager as he or she has been in this line for years and more.

 

How do I reduce debts on my accounts? Reputable cr companies often aid in setting up multiple balance-transfer accounts – usually at 0% interest rate – so as to help debtors service only the principle repayments. Having said that, the debtor’s monthly income wage will be segregated according to the needs & wants (optional) in order to repay debts.

 

A good agency helps in streamlining total interests paid on credit cards & mortgages due to the highest tier of unpaid interest charges and annual cc fees. Do consider the option very carefully as most credit repair companies offering affordable services don’t suggest this opinion often.

 

Perform cr planning.

Good credit repair companies perform cr planning to the end of contract. It means that a comprehensive cr plan has been fixed – generally observing a common template in excel format – for you to follow up on a regular basis. The plan consists of checking of daily personal expenses, meeting your stipulated deadlines for credit fixes, reporting of errors & filing for credit disputes and finally attaining freedom by getting out of debts.

 

Prominent credit repair companies do leverage on a 4-tier dispute system in sending out letters of disputes under the Section 609 of credit repair. The program boosts your credibility over unverified claims and winning over local & foreign creditors. Repairing of your credit takes time and it all begins with a set of discipline in managing unpaid debts.

 

Do not assume that all credit repair companies provide a comprehensive cr planning or even a simple solution. It is only established firms and franchises that do such a thorough coverage to protect their clients from being sued till bankruptcies. There is no such thing as a guaranteed credit repair approval.

 

Induces several credit repair services.

Be cautious in choosing a credit repair company. Many local agencies near you don’t take it seriously when it comes to planning for the right types of services. An upright firm often induces several credit repair services for you to minimize your risk of delinquencies. It is not as simple as sending some dispute letters over forcing for deletion of tax liens or whatsoever.

 

Let’s take a good look at different kinds of credit repair services offered:

Free consultation for starter packs | No obligation credit report assessment | Long-term financial planning | Improve credit score after negotiations | Focused on fixing items | Removal of bad objects | Update personal records | Free credit score reviews

 

There is a wide variety of services to be offered. If one of the lowest cost credit repair company does not shower you with more choices, time to run from the agency and report to a local government or credit bureau.

 

Good to know about truth: be cautious in choosing a credit repair company

Lastly, it is not about the cost of fixing bad credit but more so towards choosing the right match in helping you to alleviate pains. High quality credit repair services are everywhere near me just whether or not there is an appropriate fit in rendering the right type of services to you. Never go for 1 agency for a credit review. Go for a tour around credit repair specialist clinics first!

 

Quote of the Day: “Make good decisions now – KIG Hall [2013-2018]”

 

Relevant Topics

» Pay off debts on time: Plan for debt repayments early!

» Focused on credit repair: Work hard in credit fixes?

» Hire reputable credit repair companies: Who do you trust?

» What you need to know about a credit repair: Knowledge is freedom!

» Dos & don’ts of a credit repair: Dos and dons of a credit repair!

 

This article was originally published on March 14, 2014. It has since been updated. 

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