Fixing such a problem individually is very difficult. Therefore, you can avail services of a professional debt collector from a company that can repair your credit in less time. These organizations work on your behalf to remove negative items like liens, debt collections, bankruptcy charge-offs, and more. Following is a handpicked list of Top Credit Repair Companies:
Top Credit Fix Services
1) Credit Saint
Credit Saint is a New Jersey-based company that enables you to repair your credit with a full analysis and progress report. It is one of the best organizations in the credit repair industries that includes plans which suit your needs and budget. This organization offers users a personal advisory team to track and work on their credit repair. The staff of this company also call you on a regular basis to keep you in the loop and on track for success. Credit Saint offers you a free consultation to assess your credit scores. More Information » In Business Since: 2007 Cost: $79.99 per month with $99 initial work fee.
2) The Credit People
The Credit People is a company that enables you to repair your credit quickly. This organization offers services to clients in more than 50 states, including Washington DC. It efficiently works to reduce unfair and bad credit with reporting agencies. The online portal of this firm enables you to access your credit report with ease. More Information » In Business Since: 2001 Cost: $19 per month.
3) Tradeline Supply Company, LLC
Tradeline Supply Company, LLC is the leading tradeline platform that pioneered making buying and selling of seasoned tradelines easy. As a leader in the equal credit movement, the company provides universal access to authorized user tradelines, which has been an established credit strategy that has primarily benefited the rich for over 40 years. More Information » In Business Since: 2017 Cost: Varies per tradeline
4) Sky Blue Credit
Sky Blue Credit is a reputed company that will coach you to keep your credit score in better shape. It offers an initial analysis of disputable items. The team of this organization identifies and reviews potential errors in your credit report. Sky Blue Credit can be hired for debt negotiation. It offers various services like credit bureau and package disputes, credit rebuilding, and more. More Information » In Business Since: 1989 Cost: $79 per month.
5) CreditRepair
CreditRepair is a reputed company that helps you to manage and improve your credit score with ease. It provides a detailed report about your credit to find items that may be inaccurate, misleading, or invalid. This organization develops personalized strategies to reestablish your positive credit. It uses various methods to repair your credit, including goodwill and debt validation letters. CreditRepair offers three different packages that can be easily chosen depending on your need. It offers one of the best credit repair applications that can be used for both iPhones and Android. More Information » In Business Since: 1997 Cost: $99.95 per month.
6) The Credit Pros
The Credit Pros is one of the best companies for repairing your credit without any hassle. It offers different plans that can be chosen according to your needs. This firm also offers software that enables you to monitor your budget with ease. The Credit Pros enables you to securely track inaccurate personal finance information. It provides free credit consultation in English or Spanish language. This company has experienced staff to remove negative and inaccurate items on credit scores. More Information » In Business Since: 2009 Cost: $19 per month.
7) CreditFirm
CreditFirm is a company that helps you to repair your bad credit. You can hire the service of this organization for free online consultation. This firm provides you debt validation services. It gives you a simple solution to improve your credit score. This firm has a program that includes in-depth credit audits and unlimited procedural request verification. CreditFirm helps you to remove multiple addresses, names, and personal information variances that are incorrect. More Information » In Business Since: 1997 Cost: $49.99 per month.
8) Credit Glory
Credit Glory is a company that provides you credit repair services. It provides you a free consultation before you Sign Up. This credit repair firm has good customer reviews from Facebook, Google, Yelp, and more. It offers a hassle-free way to dispute for all your incorrect items. This firm also fixes inaccurate details like name, charge off, address, balance, inquiry, late payment, and more. Link: https://www.creditglory.com/ In Business Since: 2016 Cost: $99 per month.
9) Credit Versio
Credit Versio is an organization that helps you to solve credit-related issues like late payments, collections, bankruptcy, and more. It enables you to dispute any account on 3 credit bureaus like Equifax, Experian, and TransUnion. This credit repair firm uses an AI-powered application to scan and convert your credit reports into a form that you can easily send to creditors. It is one of the best organizations in the credit repair industry that helps you to generate dispute letters to remove items that can create a problem. Link: https://www.creditversio.com/ In Business Since: 2020 Cost: $19.95 per month.
10) Ovation Credit
Ovation Credit is a credit repair company that provides free consultation during the initial appointment. It offers three packages that you can choose according to your needs. The services of this company include a complimentary review of financial background, personal care advisor, dispute of inaccurate credit report items, and a tool that helps you manage your finance with ease. Link: https://ovationcredit.com/credit-repair/ In Business Since: 2004 Cost: $79.00 per month.
11) Trinity Credit
Trinity Credit is a company that can be hired to solve the issue of late payments, charge-offs, inquiries, and more. It helps you to remove inaccurate items from your credit report. It offers a customized credit repair plan that can be easily chosen according to your needs. This organization enables you to monitor your progress from their website without any hassle. Link: https://www.trinitycreditservices.com/ In Business Since: 1996 Cost: $79 per month.
12) Lexington Law
Lexington Law is a company that helps to repair your credit score affected by identity theft, student debt, medical bills, etc. The team of this firm obtain a copy of your credit reports and then analyzes for negative items which are harming your credit score. It offers three credit repair packages that can be easily chosen according to your needs. Their website contains a user-friendly dashboard to view your progress. This organization provides solutions to repair your credit faster in less time. More Information » In Business Since: 1991 Cost: $89.85 per month.
How to repair your Credit Score
Here is the simple process that you can follow to repair your credit: Step 1) Review credit report Get a free copy of your credit report from any credit repair companies listed above Step 2) Dispute negative marks Discuss and eliminate most of the negative marks suggested by the credit repair firm Step 3) Dispute wrong late-payment entries Dispute and clean up incorrect late-payment entries if any Step 4) Try to remove accurate entries also You can also choose to dispute accurate information like the collection you haven’t paid for from a small collection agency. When credit bureau asks such agencies about it, they are likely not to respond, and the credit agency will have to remove that entry from your credit report Step 5) Ask nicely to your credit card company to remove an entry You can ask your credit card company nicely to remove a late payment entry. If they agree, you will be able to remove a negative entry from your credit report Step 6) Increase credit limits If you carry balance of more than 50% of your available credit, then this may negatively impact on your credit score. Therefore, a feasible solution is to increase your credit limit. Step 7) Open one more credit card account Try to get a new credit card with no annual fee from a bank where you already have an account opened. Step 8) Pay your outstanding balances Decreasing your percentage of available credit scores can have a significant impact on your credit score. So, you should pay down your outstanding balances as much as possible. Step 9) Pay off high interest first You should pay off the high-interest account and newest interest first to increase the average length of credit. Step 10) Add authorized users with good credit If someone has credit card with no balance or good payment history and agrees to add you as an authorized user, it will benefit you from their card’s available credits Step 11) Keep old credit cards Closing your credit card account can decrease your average credit history. Therefore, it is preferable that you keep your old credit cards. Step 12) Pay bills on time Late payments can decrease your credit score, so you must pay your every bill on time.
FAQ:
❓ What is a Credit Repair Company?
⚡ Which are the Best Credit Repair Companies?
🏅 How do Credit Repair Companies work?
🚀 What Do Credit Repair Companies Do?
👉 What are the factors to consider before choosing a Credit Repair Company?
💥 What methods do credit repair firms utilize to get items erased?
❗ What is a credit score, and what are the credit score ranges?
⚡ Is it worth paying someone to fix your credit?
🏅 What type of negative items can credit repair agencies remove from your credit report?
🚀 What is the primary difference between credit repair and credit counseling?
❓ What can credit repair companies not do?
🌟 Is repairing your credit legal?
❗ Can you remove hard inquiries?
Credit Saint The Credit People Tradeline Supply Company Sky Blue Credit CreditRepair The Credit Pros
Past reviews: You need to check reviews of customers. If you find more positive comments, then it is good to go with your chosen company. Credit repair companies with negative reviews are not worth considering. A well-written contract: It is good to establish a well-written contract with the organization. This will outline your costs, expected results, and the method that the company will use. Overall Experience: Credit repair is a complicated process. Your chosen firm must be experienced enough to deal with future contingencies that may arise. Therefore, it is essential to research for a professional organization that can closely understand your needs. Appropriate Costs: Compare the services and cost of different companies so that you can avoid unreasonable price.
Credit Report disputes Pay for delete Goodwill letters Debt validation
Guarantee to increase credit score by a certain amount. Fail to reveal your legal rights. Charge a fee if you cancel service. Promise to deliver a specific result in desired time.
