Clicky

Select Page
Credit Repair

We are Here to Help You with Credit Repair

Accurate Rankings and Reviews

Helpful Credit Repair Guides

Only the Best Credit Repair Companies

Your Credit Score

Your credit score is one of the most important aspects of your financial profile. It is the primary source of information for lenders looking to assess your eligibility for borrowing. When you make any form of application for a loan or lease, companies will pull your credit report to determine if they want to lend you money.

The reality is that millions of Americans have less than perfect credit scores. The global financial crisis of 2007 put large financial pressures on families, many of whom are still trying to recover. With extra high-interest credit card debt and loans, some families have damaged their credit scores significantly over the past decade.

Credit Repair Services

But what many Americans don’t realize is that there are actually quick ways to improve your credit score. Credit repair companies have popped up all around the country to help everyday consumers better their current scores. They can help you get certain items removed from your credit report. This can have an immediate positive impact on your credit score, which is great for someone who might be wanting to improve their score in just a few weeks. 

Credit repair is the perfect option if you’re thinking about applying for finance in the near future. It can make it much easier for you to attain a loan at the rate you want – it will also increase your chances of being approved in the first place. 

Our site is dedicated to helping you understand the credit repair industry and how it works. It will also provide you with tips on how to best approach the process. You can find a number of reputable companies to work with right here on our guide. Make sure to read through all the information provided before moving forward – our overview is sure to answer any questions you might have about credit repair services. 

About Us

At creditrepairservices.co, we just want to help you make your decision when it comes to finding the best credit repair company. We looked at the leading credit repair companies today to find out how they ranked among each other. We take an unbiased view of the prospective companies on the market to help you get a better idea of who to work with. 

You can find the results of our in-depth review here. Now, choosing the right credit  repair company can be very easy!

credit repair services

We Have What You Need

Having bad credit is a common yet unfortunate situation many people and families go through, especially in the current economic climate. A poor credit score negatively impacts your financial health, and would end up in you encountering higher interest rates, or even getting loan application rejections, among other potential problems. This is why thousands have turned to credit repair companies – fixing their credit and improving FICO scores have done wonders for so many.

Credit repair companies work by helping clients remove negative items from your credit report. These include late payments, liens, foreclosures, repossessions, and other factors. However, finding the company may seem overwhelming! There are so many companies to choose from, and it’s a risk finding out who to trust sometimes.

This is where we can help you! We have done research and reviews for some of the top credit restoration companies, so we have determined which services were the best in the industry.

Improving Credit Score is Our Specialty

If you’re looking to improve your credit score, you’ve come to the right place.

Read the Guide

Learn How to Repair Your Credit Today

Get your credit back on track with the help of our guide.

Read the Guide

A Comprehensive Guide on the Best Credit Repair Companies

We have the top credit repair companies in our review.

Read the Guide

The Process

Credit repair companies work by helping clients remove negative items from your credit report. These include late payments, liens, foreclosures, repossessions, and other factors. They act on your behalf to try and get reporting agencies to remove items from your report. Many consumers have mistakes on their credit reports which can be removed easily by credit repair companies. 

Others will have items that are not technically allowed to be on their report. Credit repair companies use a range of different loopholes and techniques to force reporting bodies to delete certain parts of your history. You’ll have to give your credit repair company the right to act on your behalf – but this is a good thing if you don’t want to work with companies directly by yourself. 

credit repair

Will Credit Repair Work?

One of the most common things that people are skeptic about is if credit repair actually works. It’s fair to want to know if these services are true or just another way for them to lose money in an attempt to better their lives. After reviewing some of the most popular credit repair agencies and their client results, we can definitely conclude that services work and are often worth it.

To give you an idea of what to expect, Lexington Law (one of the top companies) claims their clients’ credit reports have an average of 10 negative items removed. In addition, most companies are confident enough to offer a money-back guarantee should you be dissatisfied with their services. Most of them also offer a free case evaluation, giving you peace of mind if they really can help you or not before you commit or sign up with them.

How Much Can I Improve My Credit?

One of the major questions people ask themselves when considering credit repair is how much they can expect to see their score improve. The reality is that there’s no clear answer to this – it will depend entirely on what types of items you are having removed. Certain items damage your credit more than other items, which means that some people will be able to see drastically larger improvements.

Many people who have inquiries on their account that they want removed will be able to see small improvements in their credit score. While those who have delinquencies and bankruptcies removed might be able to see their score jump by over 100 points in a short time frame!

Make sure to speak to your credit repair company about what they believe is a realistic reduction goal.

credit repair

Look for a Money-Back Guarantee

One great way to make sure that you don’t have to pay for a lack of results is to look for a money-back guarantee. Many credit repair companies will offer you a money-back guarantee if they are unable to increase your score by a certain percentage.

If you have a certain level of increase that you plan on being able to attain, talk to the companies you are considering working with and ask them if they are able to guarantee a certain result. This way if you aren’t able to increase your score, you’re only wasting time, not money!

Is Credit Repair Worth the Costs?

The price of credit repair services often varies depending on which company you choose, but it usually comes between $59.95 and $99.95 per month. However, you should know there are no long-term contracts and you can cancel the service at any time.

Considering you’re probably paying extra because of high interest charges due to a bad credit score, we believe that the best credit repair services are worth it. An improved FICO score can help you get better interest rates on things like loans, credit cards, mortgages, and more. If you have bad credit and need to get it fixed quickly, these companies can help you get the best results in the least amount of time.

What Can an Improved Credit Score do For Me?

We’ve touched on this briefly, but you’re probably wondering exactly how an improved credit score can help your life. You’ve probably heard how important credit is a million times — but why? The answer comes down to a host of different factors. We’ll explore these different reasons in more depth in this section. 

Lower Interest

As mentioned previously, interest rates are one of the primary ways you can help yourself if you improve your credit score. You’ll find that the rates that banks offer you are much better if you have a higher score. This is because the bank is having to take on less risk by lending to you.

Lower interest rates may seem small in the short-term – you might be thinking it’s only a few percent. But increasing your interest rate on something such as your mortgage can have dire consequences. Larger interest rates can literally cost you hundreds of thousands of dollars throughout your lifetime.

No Deposits

If you currently have a bad credit score, you might find that you’re often asked for deposits on certain items when you go to purchase them on credit. For example, phone companies may ask you to pay a deposit on a phone if you have a bad credit history. Companies do this to minimize the risk they are exposed to by risky borrowers. 

If you improve your score successfully, you’ll find that companies will most likely require you to pay little to no deposit on items that you finance.

Cheaper Insurance

Another advantage of having good credit that many people overlook is cheaper insurance. Insurance companies will often run a credit check on you to determine if you are a responsible individual. Having a low credit score can result in you being charged higher premiums. While this amount might seem small on a monthly basis, paying higher insurance premiums for years can be extremely costly. 

Opportunities

One of the primary ways that wealthy people become wealthier is by taking advantage of opportunities. Having capital to invest into projects or investment vehicles is the best way to make sure that you grow your wealth. If you don’t have the ability to take advantage of opportunities when they arise, then you’re missing out on potential income. 

Having a good credit score will improve your ability to get capital quickly and at a low rate. This means that you’ll be able to take advantage of opportunities at short notice. For this reason, a higher credit score can have a drastic impact on your financial successes in the future. 

Jobs

It may sound ridiculous, but more and more companies have begun to look at credit reports in order to determine if you’re a good fit for the job. This is for a number of reasons. Some employers view a good credit score as an indication that you’re a responsible person. Others want to make sure that you don’t have too much debt – they don’t want you to be distracted from the job or tempted to make fraudulent decisions. 

Just like a criminal record, a bad credit score can result in you being rejected for a position at a company. 

Other Ways to Improve Your Credit Score

If you decide to enlist credit repair services, you should approach the entire process as a comprehensive credit improvement strategy. This means that you should also do a number of other things to make sure that you’re improving your credit as much as possible. There are plenty of ways to improve your credit score naturally, and some of these can actually have an immediate impact on your credit. If you find that a credit repair company is unable to help you, you should still use these strategies to give yourself an improved score. 

Pay Down Debt

What many people don’t realize is that a significant portion of your credit score is determined by how much outstanding revolving debt you have. Revolving debt consists mainly of credit cards and lines of credit. It you have a credit card or line of credit, chances are you have a balance. The higher your balance is, the lower your credit score will be. This is calculated as a ratio – the higher your limits, the more debt you will be able to take on without impacting your score. 

By paying down your current credit card balances, you’ll see an automatic increase in your credit score. This can sometimes have up to a 100-point impact on your score! Every month your credit card company sends a report to the major credit reporting bodies, this report will detail how high your balance is. If you pay down your debt, your score will update as soon as your credit card company reports your new balance. Attempt to have as low of scores as possible.

Continue Good Behavior

If you do decide to pay a credit repair company for credit repair, it’s very important that you begin to exhibit good credit behavior. You don’t want to pay monthly fees to fix your credit and then end up hurting it again. When you begin on the path of rebuilding your credit you should make a firm commitment to commit to making payments frequently and on time. It only takes about six months of solid payment history to drastically improve your credit score – start by taking it seriously today!

Debt Settlement

Debt settlement is an alternative that you can use should you find there is no way to improve your credit score. If you have a bad credit score and you can’t seem to find ways to remove items, settlement is a good last resort if you want to improve your credit viability in the long run. 

Debt settlement companies will work with your creditors to help you make an agreement to pay less than what you currently owe. Many creditors are willing to allow you to pay less than your outstanding amount, especially if it’s unsecured debt. This will have a negative impact on your credit score initially, but your ability to pay down your debt in the long run will eventually help you drastically improve your score. 

Types of Credit Repair Companies

While all credit card companies aim to get certain items removed from your credit report, some have different methods than others. When you’re choosing a credit repair company you typically have a choice between two different types of company. We’ll explore the advantages of each type of company in more detail below. 

Traditional Credit Repair Company

Traditional credit repair companies are the most common form of credit repair. They specialize in helping you find ways to get certain items taken off your report. Many of these companies are extremely successful at what they do – they provide serious improvements to the scores of millions of Americans around the country.

The only downside to a traditional credit repair company is that some operate in a legal grey area. You’ll want to make sure they have a good reputation before you decide to work with them.

Law Firms

Many law firms also provide credit repair services. They do so because they have legal expertise to get certain items removed from your credit report. Many law firms specialize in credit repair, while others just offer it as one of their many services. The benefit of using a law firm is that they have to meet certain legal standards – they’re way more regulated than traditional credit repair companies. Because of this, many come at a higher cost. 

Rankings of the Best Credit Repair Companies

1. Sky Blue
CompanyYearsBBB RatingOur RatingOfficial Site
26A+98More Info
2. Lexington Law
CompanyYearsBBB RatingOur RatingOfficial Site
10A+97More Info
3. CreditRepair.com
CompanyYearsBBB RatingOur RatingOfficial Site
7A91More Info
4. The Credit People
CompanyYearsBBB RatingOur RatingOfficial Site
99B+88More Info
5. The Credit Pros
CompanyYearsBBB RatingOur RatingOfficial Site
2A82More Info
1. Sky Blue
YearsBBB Rating
26A+
Our RatingOfficial Site
98More Info
2. Lexington Law
YearsBBB Rating
10A+
Our RatingOfficial Site
97More Info
3. CreditRepair.com
YearsBBB Rating
7A
Our RatingOfficial Site
91More Info
4. The Credit People
YearsBBB Rating
99B+
Our RatingOfficial Site
88More Info
5. The Credit Pros
YearsBBB Rating
2A
Our RatingOfficial Site
82More Info

Tips For Choosing a Credit Repair Company

If you’re taking this time to research about credit repair, there’s a high chance that personal finances are important to you. You should do your homework before taking a chance on just any company that claims to help repair your credit.

    Avoid companies that ask for upfront fees.

     It’s a major warning sign, as no reputable credit repair agency would ask you for money unless they have already rendered their services.

    Learn about the items which are currently impacting your credit score negatively.

    There are some free online resources from which you can get a copy of your credit report. Alternately, you can also ask your bank if they can offer free reports too.

    Educate yourself on your rights as a consumer.

    The Fair Credit Billing Act was enacted in 1974 so that consumers are protected from unjust credit billing practices. This act provides guidelines for procedures to follow when disputing issues on billing statements.

    Stay on Top of Your Credit

    One of the best ways to make sure that you continue to improve your credit after credit repair is to stay on top of your credit. You should always be looking to make sure that there aren’t any incorrect items on your credit report. As a responsible consumer, you should constantly be on guard against misreporting.

    credit repair services

    The reality is that there are millions of Americans with incorrect credit reports. On top of this, identity thieves often use your credit report to take out loans against your name. If you don’t have a credit monitoring service, it could be months before you realize someone has been destroying your credit report without your knowledge.

    Verdict

    The reality is that your credit score is an asset. You should treat it the same way you would treat your most valuable possessions – with care. But sometimes damage has already been done, years and years of poor credit history can cost an individual a significant amount of money. In some cases, it may even prevent them from getting a job.

    That’s why employing a credit repair company to help repair credit is only a small cost in the grand scheme of things. You don’t want to delay the process of getting your credit back on track. While natural means of improving your credit are good in the long run, the quicker you’re able to get your score improved, the more money and hassle you will save.

    Make sure that you choose to work with an ethical credit repair company. You’re giving them the right to work on your behalf with credit reporting agencies, you don’t want them to potentially put you at risk. Make sure to read review sites like ours and cross reference recommendations with consumer watchdog groups.

    Lastly, don’t wait before it’s too late. You don’t want to continue to have the burden of a bad credit score if you don’t have to. Getting the right solutions to your credit problem is about being as proactive as possible. Take the first step of your credit repair journey today!

    Blog

    The Credit Pros Credit Repair Company Review

    If you notice errors on your credit report, you may be able to have them corrected on your own. However, sometimes, these errors are more complex and require help in the form of credit repair services. One such service is the Credit Pros. If you choose it to assist...

    read more

    Ovation Credit Repair Review

    No matter if you want to buy a house, rent an apartment or get a new car, you will need to have a respectable credit score to reach your goal. Most people, however, don't even look at their credit scores until they walk into the bank and get declined. Even if you...

    read more

    The Credit People Credit Repair Review

    Buying a house, renting an apartment and purchasing a car are activities that require you to have a good credit score. The problem, though, is that many people don't have the perfect credit that they want, and this issue prevents them from moving on with their lives....

    read more