Best Credit Repair Services

Review & Comparison, Last Update October 1, 2018
Nowadays, the majority of the population takes credits, loans, and uses credit cards from banks and it's no wonder managing personal expenses becomes trickier every day. In case your credit rating has dropped significantly you can always use the services of credit repair companies. Since there are a lot of options available today, it can be hard to wrap your head around and pick the right company. That's why we encourage you in reading these 5 best credit repair reviews to pick the one that suits your needs. ...Read more ...Read less
BEST 2018
PROS
CONS
OUR VERDICT
Identity Theft Protection
Signup Fee
Monthly Cost
Mobile App
Extra Features
 
PROS

You can put the pre-paid services on pause in order to save up your funds and resume them at any time.

CONS

The company does not provide a personal advisor and assigns a team of advisors instead.

OUR VERDICT

The SkyBlue offers the top-notch quality of their services at a very reasonable price, which is a rare sight on the market of credit repair services.

detailed parameters
Identity Theft Protection

Yes (third party)

Signup Fee

$69.00 (billed after the first month)

Monthly Cost

$69.00 (billed after the second month)

Mobile App

No

Extra Features

Credit report monitoring, Credit report assessment and consultation

PROS

Even the basic subscription plans offer a variety of different services that help improve the bad credit rep.

CONS

The premium subscription plans are quite expensive.

OUR VERDICT

The Lexington Law has three different subscription plans available that offer a variety of different services and solutions for every case of bad credit score.

detailed parameters
Identity Theft Protection

Premium package only

Signup Fee

$89.95

Monthly Cost

$89.95 / $109.95 / $129.95

Mobile App

Yes

Extra Features

Free consultation, Credit consultation, Credit report review

PROS

The friendly interface makes the use of the app simple and intuitive. The app is available for all plans.

CONS

The online portal can be somewhat challenging to navigate for new users.

OUR VERDICT

The CreditRepair.com provides a unique tool that allows you to check the repair process of your credit rating in real time. This way, you will be aware of any changes and updates.

detailed parameters
Identity Theft Protection

Yes

Signup Fee

$14.99

Monthly Cost

$99.95

Mobile App

Yes

Extra Features

Free consultation, Free credit score evaluation, Free credit report and summary

PROS

The initial fee is one of the most affordable ones on the market. The online account access and educational courses are available 24/7.

CONS

The lack of the mobile app makes it difficult to supervise the credit repair process.

OUR VERDICT

Although the Credit People lack some services that are offered by other companies, the affordable price of their subscription and a 6-month satisfaction guarantee makes it a risk-free bargain.

detailed parameters
Identity Theft Protection

Yes

Signup Fee

$19.00 (7 days)

Monthly Cost

$79.00

Mobile App

No

Extra Features

Free credit consultation, 6-month satisfaction guarantee

PROS

The company offers a comprehensible online dashboard that can be easily accessed in order to check the process of credit restoration.

CONS

The initial fee is a bit too expensive compared to alternatives available on the market.

OUR VERDICT

Despite the high cost of the premium packages, the Credit Saint offers an unmatched quality of service on top of the array of convenient features that come in all subscription plans.

detailed parameters
Identity Theft Protection

Yes

Signup Fee

$99.00 / $99.00 / $195.00 (billed 6 days after signup)

Monthly Cost

$59.99 / $79.99 / $99.99

Mobile App

No

Extra Features

90-day money back guarantee

Sky Blue Credit Repair Services

Solutions for All Cases

The Sky Blue has been around for a while now and as a company with a vast experience in banking and credit renovation service fields, it definitely is one of the top ones that you can find today. The company provides a fast credit repair, and that is what people love the most.

Although the company doesn’t offer the services of a personal financial assistant they do provide the services of the team of advisors that will manage your credit history and score. Despite the lack of personalized touch, the team of professionals will be able to remove bad marks from your credits reports more effectively than one person ever will. While other companies tend to do the same slowly but steadily, with the Sky Blue at your side it will be much faster.

Even the most basic credit score manipulations can be a daunting task, for the experienced credit card owners as well as for novices. That’s why it is so important to have a team of professionals that will help you in managing and increasing your credit score. With that in mind, the team will offer you a monthly report based on your transactions as well as a detailed review to reveal all the problems that harm your credit rating. With the credit report information given you will be able to easily fix all the issues that prevented you from getting a fresh credit or new loans.

For additional convenience, you can choose between receiving email or text notifications directly to your phone. On the other hand, you can always use the website to check the restoration process of your credit score.

Review of Sky Blue Credit Repair Services

Quality to Match

The fact that the company managed to get an A+ rating from the Better Business Bureau tells a lot about their professionalism and the actual ability to significantly improve the credit scores of their customers in a short-term period.

The Sky Blue offers additional features such as monthly credit report and identity theft prevention application in one package just for $69.00. That is quite impressive since the majority of other credit repair companies have these features as premium services.

The only downside of identity theft app is that the program is made by a third party company, which can somewhat complicate the process of communication between the user and customer support in theory. In reality, however, it is not really an issue since the app works almost flawlessly.

Sky Blue Credit Repair Services in the use

No Hidden Fees

Depending on the severity of damage done to your credit score it may take some time before you will be able to see any of the negative items being removed. On the other hand, in case your credit score is already healthy or when you no longer require further credit improvement, the company will send you a notification that you no longer need their services. This feature will be convenient for those who don’t want to spend a fortune to improve just a few points on their credit history.

A unique subscription plan that is only available to the customers of Sky Blue makes it one of the most affordable credit renovation services available on the market today. A simple service without any additional bells and whistles that is available without any signup fees.

Detailed review of Sky Blue Credit Repair Services

 

Lexington Law Credit Repair Services

You May Not Even Know That You Need Credit Repair

Nowadays it takes only a few mouse clicks to damage the user’s credit score, and that can stay up on their record for years. Since the majority of customers work pretty much for the most of their day, they value their time and would rather hire a team of professionals than try and break a brick wall of hard credit inquiries on their own. The reason why many people choose Lexington Law is because they know better than any other company how to deal with negative items such as identity theft.

Everyone’s financial situation is different. While one person can manage his or her credit history by him-/herself, the others may need a financial or even legal advice. What is interesting about Lexington Law and CreditRepair.com is the fact that both of them are working hand in hand and provide basically the same set of features. The reason for that is the firms are owned by the same company. Surely, they both offer the same level of professionalism, however, each one provides different kinds of credit dispute services as well as those much needed legal and financial bits of advice.

The only drawback of the Lexington Law is that they really take their time trying to process your credit score and to remove all the negative aspects from your credit history. It is quite understandable since it takes a considerable amount of time to assess all aspects of the individual’s credit reports, negative points etc., but the truth is—this service is thorough but not the fastest.

Review of Lexington Law Credit Repair Services

A Vast Experience

Usually, the repair firm challenges the credit companies by sending them goodwill letters in order to improve the score of the customer’s credit. If you are interested in numbers, Lexington Law manages to remove more than 10 negative items in the first two months, according to past clients.

Lexington Law has provided services for customers for over 14 years now and the number of their clients keeps growing. With several different subscription plans, Lexington Law is suitable for everyone from a shop or factory workers to top managers. Additionally, every customer is able to pick the additional services that will be convenient for certain situations and different stages of credit rating deterioration.

The financial organizations that grant people credits make mistakes and credit repair services are doing their best to fix those credit errors. This may take some time that will heavily depend on the specific situation, but we wouldn't promise you results in just a few weeks. However, if your credit score hasn’t been harmed to the point of no return you will be able to see some movement in the first two months.

Lexington Law Credit Repair Services in the use

A Personal Approach

"Slow but steady" is perhaps the best way you can describe the Lexington Law working on hard cases of bad credit history. Their approach is methodical and takes time, that is true. However, it doesn’t necessarily mean that it will take too long for the company to renovate your credit score. Some cases are resolved faster than others, but all of them are managed with full attention.

Thankfully, the company provides you biweekly reports from the financial expert that is assigned to you, personally. This way you can see the analysis of your progress and see the improvements of your credit rating first-hand.

Despite some minor difficulties of the initial setup of all services, the Lexington Law provides a terrific value over price, which you will hardly find elsewhere.

Detailed review of Lexington Law Credit Repair Services

 

CreditRepair.com Credit Repair Services

Versatile and Affordable

Being one of the most affordable credit repair service providers on the market, the CreditRepair.com offers exclusive features available only for their customers. With that in mind, the firm offers an evaluation of the credit report as well as provides you with the solutions for improving your credit rating absolutely for free.

In case you decide to subscribe for the services of the company, you will be more than happy to know that the main advantage of their services is that they require just $14.99 for the credit report assessment and the initial setup. This fee is much lower than other companies usually charge their customers. What makes it even more appealing is that their subscription plans do not act as a contract system, which basically means that you can cancel the subscription at any time.

Moreover, the firm doesn’t only focus on short-term solutions for your credit history but also concentrates on a long-term improvement of your financial stability. What makes the CreditRepair.com distinct is the fact that they utilize innovative technologies and, unlike many other credit fixing companies, have a special mobile app as well as a 24/7 online support. You can check the progress of your credit repair at any point by using a free application that is available for Android and iOS. The company offers a tracking that is transparent and can be accessed at any given time in a matter of seconds. Hence, you won't have to worry about the credit restoration process, since this information is available anytime, anywhere.

Review of CreditRepair.com Credit Repair Services

Extra Features

As for the monthly fees, by subscribing to the basic plan you will get an access to a personal online dashboard, score tracker, and a special TransUnion credit monitoring program, which is offered at no extra charge whereas other companies introduce similar solutions for $25 per month or even more.

With the same basic subscription plan that costs just $99.95, you will get a whole package of services without any additional transactions in the future. Surely, this is a bit more expensive than most of the competitor companies offer at the moment, however, the additional costs of their services make them not as appealing as the CreditRepair palette of subscription plans.

CreditRepair.com Credit Repair Services in the use

The Company You Can Trust

When it comes down to the initial credit repair, the whole process can take up to several months or even years. That’s why it is important to entrust this endeavor to the professionals in order to regain good credit. When the company has established a valid strategy, they will challenge credit bureaus as well as creditors. After that, they will proceed to work with them directly, until your credit history will be much healthier.

With a fairly good pricing for their services, the CreditRepair.com is perhaps one of the top credit renovation services you will be able to find in the medium to low price range. The company has been providing their services for 21 years and has countless reviews from its previous clients, and that tells a lot. In conclusion, if you need an all-in-one package, CreditRepair is the best deal for you.

Detailed review of CreditRepair.com Credit Repair Services

 

The Credit People Credit Repair Services

More Affordable Than Others

One of the top credit dispute companies, the Florida-based Credit People has been working on improving their clients’ credit scores for more than 17 years and it shows when it comes down to a sheer effectiveness of their methods. But before we get into the details we should point out that the company offers one of the most affordable subscription plans available on the market today.

To be more precise, the Credit People has two basic payment plans available. The initial payment will cost you just $19 and you can try out their services for one week. After that, the subscription will cost you $79 a month, which is also fairly low. What is more, the firm provides a special $20 discount for couples, thus, if you are signing for a plan as a couple you can save up to $40; quite neat, isn't it? This feature will also be convenient for people that need to not just simply improve their personal credit history but also increase the financial stability of their family.

On the other hand, however, you can pay $379 for a full 6-month program in advance, which you can also cancel at any time. To cancel the program you can simply call the company so you won’t get billed after that. This kind of satisfaction guarantee is hard to match, which makes the Credit People subscription plan a very attractive bargain.

Review of The Credit People Credit Repair Services

An Unrivaled Satisfaction Guarantee Service

Although their customer service is not working 24/7, if you are calling after work hours you can always leave a message and the company will reach you as soon as possible.

In case you were not satisfied after 6 months of using the company’s services, you can get a refund. This is extremely convenient since the majority of credit repair companies either offer a short period of satisfaction guarantee or do not provide it as a service at all.

As for the initial improvement of the credit scores, the company can successfully remove the bankruptcy, late payments, hard inquiries, charge-offs, student loans, paid collections and many other types of negative items that cause severe damage to your credit history. Although it is not 100% guaranteed, most of these negative items can be removed. After you signed up for a 7-day trial period, it will be easier for the company to give you an estimation report of how long it will take to repair your credit rating, based on the history and results of other clients with similar items.

The Credit People Credit Repair Services in the use

Pay However You Want

When it comes down to how fast the company can manage and fix your credit situation it really depends on how many negative items your credit score has at the time of signing up for the repair. In general, it takes at least a month before you can see any improvement in your score while the history is systematically cleaned from items that determine your ability to take a new loan or credit.

By picking the Credit People you have a choice of paying as you go or subscribing for a full-fledged credit renovation that can remove a lot of negative items from your credit history for less than $400, which is a good deal, to say the least. Effective and affordable are perhaps the best words to describe how the company manages the issues with the banks and credit agencies you may have not even been aware of.

Detailed review of The Credit People Credit Repair Services

 

Credit Saint Credit Restoration

Solutions for Every Wallet

The Credit Saint offers one of the most versatile payment packages on the market: although their premium packages are a bit pricey, they do have alternative solutions without extra bells and whistles. To be more specific, the company offers 3 different payment methods that will be suitable for a range of customers as well as for different cases of bad credit ratings.

These payment methods provide different service packages appropriate depending on your financial situation. The first one costs $59.99 and offers a basic service package that doesn’t include the challenging of bankruptcies, repossessions, and judgments. The second package costs $99.00 and includes everything except judgments disposal, while the third (and the last one) requires $195.00 payment and includes everything from late payments to the removal of judgments. In addition to the basic elements of credit restoration, each package has its own dispute avalanche level that determines how quickly and effectively the negative points will be removed from your credit history.

Review of Credit Saint Credit Restoration

Guaranteed Results in Just 45 Days

Although many people that go into credit repair expect a specific outcome, they also expect the results that can be achieved fast. That is a common misconception and that’s not how credit dispute companies services work. Not every case of bad credit rating can be dealt with in just a couple of weeks. The majority of the hard cases can be improved in a matter of months if not more.

Credit Saint, however, is different.

First of all, the Credit Saint fully analyzes the customer’s credit history to see all the negative items and possible damages done to it. After that, the company provides a plan to build up a positive credit and notifies you right from the start whether they are confident in your and their success in removing any negative points from your credit score in just 90 days. Although it is a bold statement, it is not impossible to do so. If they fail to deliver and/or in case you are not satisfied with the results, you are always free to cancel the subscription and get a full refund.

The Credit Saint company expects your credit rating to change for the better in the first 45 days. Furthermore, a full refund will be available for you at no extra cost if there were no positive changes in the span of three months.

Credit Saint Credit Restoration in the use

Stay Updated

As for the notifications, the company updates the credit reports every 45 days, which is considered to be a cycle. At the end of each of these cycles, 3 credit reports will be sent to your home. With these reports at your disposal, you will be able to see the results of the work that has been completed in the span of 6 weeks.

The company offers a special online account page that can be used from any computer, tablet, or smartphone at any given time, which adds an extra level of convenience. This will come in handy for those who don’t have the ability or desire to check up on their credit restoration process via phone calls.

Credit People provides one of the most accessible payment packages that will be a good fit for your specific financial situation.

Detailed review of Credit Saint Credit Restoration

 

What Is a Credit Repair?

There can be a lot of different reasons why one's credit history may or may not deteriorate over time. The companies that provide the services of credit repair offer a slow but steady increase of the credit rating and score, thus allowing you to take new credits as well as loans in the future. This is possible only in case of a successful repair, though.

Most of the time this process may take a lot of time and in some cases even need a financial or legal advice alongside a professional expertise. Surely, you can do it by yourself, but with the credit repair company by your side, you can rely on the help of the professional at any time.

The improvement of your credit score is similar to losing weight - you have to always take care of it and check if the process is advancing okay. That’s why it is important for the company to have a good customer service that provides thorough reports on the progress of your credit restoration in time.

Nobody is safe from identity theft and it has become a common problem in banking as well as in accounting fields in the recent years. That also applies to the usage of credit cards, since it doesn’t take a rocket scientist to impersonate you at an online store or other websites that require credit card payments. You will most certainly need to pay attention if the company is offering an identity protection service since it can be crucial for the health of your credit score.

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Publish Date: 2018-08-03 14:21:12