In most cases, it only makes sense to retain a credit repair company if you have a significant number of negative entries on your credit report. If a few accounts are doing the damage, a DIY approach might serve you better. We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score. Impeccable Credit Services specializes in restoring your credit options. Our restoration program focuses on disputing the negative, inaccurate accounts from your report, along with establishing the positive trade lines to rebuild your credit score.
The best credit repair company for you will depend on your needs and budget. Each company offers an array of different services and pricing models, so comparing options can help you find a company that suits your situation. Some top companies include Credit Saint, The Credit People, The Credit Pros, Sky Blue, and Lexington Law.
Get Started On Your Credit Repair
Most systems now offer automatic card or loan payments or you can set up alerts each month to remind you. Second, keep your credit card balances low–use less than 30% (ideally 10%) of your credit limit on any credit cards you have. Even if you don’t use the credit card, having a longer credit history can help boost your score and improve your credit report card. The free report from the credit bureaus is a credit repair guide to help you evaluate where you are at and identify areas of improvement.
Best For Additional Features: The Credit Pros
Sometimes we are forced into a loan with significantly higher interest rates. Home and Auto refinancing are often able to be obtained after successful completion of our credit repair program. Allowing you to not only obtain lower interest rates but to ultimately substantially lower your debt to income ratio (DTI) in the process.
The staff offers clients insight on how to manage finances to prevent foreclosures, bankruptcy, and repossessions that negatively impact credit reports. Communication is at the core of the company’s mission, and its analysts strive to understand their clients’ credit goals. Credit Geeks develops tailored strategies to improve clients’ credit scores and help them expand their buying power. At The Phenix Group, we have a vast knowledge of consumer protection laws, as well as years of industry expertise to facilitate the San Diego credit repair process. When you possess bad credit, you run the risk of receiving loan denials or having your new job opportunity rescinded. When people neglect to get help, their finances continue to plummet into a dark hole.
Since we began, we’ve explored, implemented and mastered a variety of techniques that can be used to enhance your credit score. We have a long track record of successfully repairing credit scores in NJ. We scored Washington DC credit repair companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best. As the CFPB explains, reputable credit counseling organizations can help by doing things like advising you about your finances, helping you create a budget and presenting workshops focused on money management. They’re often nonprofit organizations, and their counselors are typically certified and trained to help develop a personalized plan for repairing your credit.
Ratings (10%) – We ranked each company based on how well they are rated by Better Business Bureau and other independent rating agencies. Sky Blue Credit offers two plan types, both with the option to sign up as an individual or couple. Unlike many competitors, Credit Saint has a decent reputation with its customers and very few complaints with the Consumer Financial Protection Bureau (CFPB). Trustpilot reviewers give it an average of 4.8 out of 5 stars across nearly 500 reviews.
Attorney Richard G. Fonfrias, who speaks English and Spanish, helps consumers build new credit as well as manage existing debts and eliminate credit card debt. On credit repair service of clients, he disputes mistakes or compliance violations in credit reports in addition to rehabilitating defaulted obligations. Fonfrias also offers creditor lawsuit and foreclosure defense services, along with tax lien and reduction defense. If you’re looking for an established credit repair company with good reviews, Credit Saint offers it with over 19 years in business and 200,000 happy customers, according to their records. Everyone’s credit is different, so the time frames for fixing bad credit and your credit accounts can vary. After we analyze the reports and develop our game plan during your free credit consultation, we can determine how long it may take to repair your credit and improve your score.