Best Credit Repair Companies: What to Know First Before Using!
Having good credit is what most people, if not all, dream about. This is mainly because of the many benefits that come with fantastic credit scores. For instance, with good credit, one can get better car insurance rates. You can also get utility services more efficiently and have a better chance at credit card and loan approval. Of course, we cannot forget that good credit scores help one access more housing options.
You probably heard about these benefits before but have never experienced any of them. This may mainly be because you have poor/bad credit. Well, there are several ways of repairing credit scores. One of them is hiring professionals. This simply means getting a credit repair company to help you fix your credit.
If you ask around or go online, you will find/hear about so many credit repair companies. All of this may confuse you as you would be left in limbo, not knowing which one to choose. Now that is why we are here.
We are aware that the selection process might be a bit challenging for many. That is why we came up with this list which should help you select the company/service perfect for your needs.
The Best Credit Repair Companies & Services in 2021
Below is a list of the top credit repair companies and services:
- Sky Blue Credit
- Credit Saint
- Lexington Law
- Credit Sesame
- Credit Karma
- The Credit Watcher
- Credit Monkey
- The Credit People
- Leap Credit
Sky Blue Credit
For decades, the Florida-based company has helped clients fix their credit score issues. With this, it has been able to cement its position at the top.
Sky Blue Credit helps its clientele by offering a wide range of services. Some of these services include; Credit monitoring, debt validation, and score assistance. All of these perks can be availed to you for just $79 a month.
Suppose Sky Blue Creditâs services do not help you in any way; you can always be refunded. This is because the company offers a 90 days money-back guarantee.
With Sky Blue Credit, you can also enjoy the professional analysis of your credit scores. State law research for debt collection issues and custom disputes are also services that can be availed to you by this firm.
All in all, if you want top-notch credit repair services, you should consider Sky Blue Credit.
Next on our list, we have a top-notch credit repair company known as Credit Saint. This right here is truly a beast in the industry. For years it has been able to maintain a continuous A+ rating with Better Business Bureau. It has also been ranked high on several personal finance websites.
The company helps clients get better credit scores by assigning each one to an advisory team. For the time they will be with you, the team will constantly communicate with the credit bureau. As relevant information is relayed to them, you will be updated as well.
To serve you better, Credit Saint offers its services in 3 essential packages. These packages include; credit polish, credit remodel, and the credit slate plan.
The cheapest option is the credit polish, and it costs $79.99 per month. Credit remodel costs a little bit more, that is $99.99 monthly. Lastly, the Clean Slate costs $119.99 per month. All of these plans vary in terms of the services included in each of them. You can choose the one that suits you best according to your needs and pockets.
Since its formation, Lexington Law has kept a spotless reputation. The company has been known to deliver fantastic results in each of its undertakings. In fact, over the past 16 years, it has been involved in over 56 million removals for its clients.
If you would like to get Lexington Lawâs services and you are low on funds at the moment, do not worry! The company has credit repair plans for every budget. The plans start at $89.85 and can go up to $129.95 per month. The Concord Plan is the cheapest, and it is sometimes referred to as the basic package. Taking it mandates the firm to challenge the bureau to enforce the Fair Credit Reporting Act.
Next, we have the Concord Premier Plan (CPP). Here the firm offers continuous credit tracking and monthly credit score analysis. This is, of course, on top of what is provided in the basic plan. CPP costs $109.95 per month.
The all-inclusive plan, Premier Plus package, costs $129.95. It includes FICO score tracking and analysis, monitoring, and identity theft insurance. It also contains legal help in dealing with auctioneers and debt collectors.
CreditRepair.com provides a straightforward yet efficient model to tackle credit score issues.
The firm helps clients by evaluating their credit reports for discrepancies and disputes. It then allows the bureaus to verify the validity of the information. The law requires bureaus to erase any entries that they cannot prove. That is what the firm follows up on to ensure everything in your report is accurate. By doing so, Credit Repair.com improves your credit score immensely.
The platform has offered over 19 million disputes and challenges since its inception. In addition, they have played an active role in helping over 1.5 million clients with removals. You, too, can enjoy these services for just $99.95 per month.
If you are skeptical about giving them your money, you can start by trying out their free services. One of these services is getting a review of negative items. You can also receive a summary of credit scores and an improvement plan for the same. Again, these services are available free of charge.
You start by checking out their free services and see whether or not you would like to go for their paid plans.
TransUnion helps you to fix your credit and protect it from future alterations. It does this by providing credit repair and other related services.
With TransUnion, clients can track their credit scores. They can also get access to several financial resources. The resources include; Identity Theft Insurance, Credit Compass, and Credit Lock Plus.
Subscribing to their identity theft insurance gives you a $1 million cover. This means that if your details are illegally used to buy something, you will be refunded. Credit Lock Plus protects your credit reports. Finally, CreditCompass offers valuable tips to help you set your scores on the right path. All of these services are available at a monthly fee of $25.
CreditSesame focuses on monitoring and tracking your financial commitments and making recommendations. The firm also examines your transactions to see if other credit cards provide the same at a lower interest rate. Furthermore, its systematic algorithms look at trends and previous behaviors. With this, they can forecast future beneficial outcomes.
One can access these services through their site. You can also get them on your phone since Credit Sesame has an excellent mobile app for Android and iOS. This makes it simple to check and restore your credit score on the go.
Either way, customers get a clear view of every issue on their credit report for free. They are also given insider knowledge about what their credit score entails. All of these things go a long way in improving your credit scores.
There is a widespread belief by several credit repair firms that providing the relevant tools to people to make the right financial decisions themselves is the best way for them to better their credit scores. One company that lives by this is Credit Karma.
Headquartered in California, USA, Credit Karma is a fantastic firm geared towards financial progress for all. In essence, it helps people improve their credit scores.
For the past 14 years, the firm has provided its services to over 100 million users via its application. Through the app, you can be able to enjoy an in-depth explanation of your credit score and reports. You will also get offers on things like mortgages, accounts, loans, and auto financing. Bundled up, all of this information can help boost your credit score if used properly.
The Credit Watcher
This is another incredible company that helps people spot inaccuracies that may be detrimental to oneâs credit. In essence, the firm lets you get Equifax, TransUnion, and Experian credit reports and scores and go through them keenly.
The Credit Watcher also monitors your credit files from major credit bureaus. They then send you alerts in case of any changes. Furthermore, if you employ their services, you get access to various financial tools.
This credit repair company allows you to enjoy its services for a flat rate of $39.90 a month.
Credit Monkey is a reliable, premier credit repair company that debuted in 2012.
The team at Credit Monkey uses pieces of software to repair items on a credit report. This is all done to boost customersâ credit scores.
Their software is designed to go through every minute detail in your credit score report. This helps them do away with various mistakes or errors. An excellent example of such a mistake is bankruptcies. You may also find things like charge-offs and collection issues.
The firm offers its services packaged in a set of plans. If you are new to all of this, do not worry. You will get a free consultation to help you select services that suit your needs.
Upon signing up, Credit Monkey will start preparing credit disputes on your behalf. The company promises positive changes in just ten days. Furthermore, Credit Monkey has a 90-day, risk-free guarantee.
Signing up grants you an opportunity to choose any of their six packages. The cheapest plan costs $99 per month, and the highest option (VIP Package) costs $499. The VIP Package comes with five credit cards, a $10,000 credit line, ID theft alerts, bankruptcy, and judgments.
Launched in 2001, MyFICO focuses on assisting people in getting their credit reports without using a third party.
The firm helps clients understand FICO scores for proper credit tracking. MyFICO does this by offering services such as:
- Comprehensive credit monitoring
- Checking Your FICO scores
- Prompt credit report alerts
- 24/7 credit restoration
In essence, when you hire them, you will be able to check your FICO scores against credit scores from the three main bureaus. Doing so is vital as these scores are usually used by more than 90% of top lenders.
The premier plan is $39.95 per month. You can also subscribe to an advanced program where you pay $25.95 per month. There is also a basic plan that costs $19.95 per month.
Debts can accumulate due to various reasons, such as divorce, job loss, or overspending. Nose diving into debts can affect your credit score negatively.
The good thing is you can get help from a reliable credit repair company like CuraDebt.
CuraDebt has been helping customers with debt issues for over 20 years. Throughout this time, the company has gained experience in dealing with a large number of financial problems. Therefore, when you sign up to their platform, you can trust you are in reliable hands. In essence, they can help you with matters surrounding unsecured debt, credit cards, and even medical bills.
What happens is that CuraDebt enters into negotiations with your creditors. The discussions are aimed at helping you settle your dues for less than what you owe in total. Before you ask, yes, this includes interest, balances, and fees.
The good thing about CuraDebt is that you do not pay any upfront fees. You only part with 20% of the total amount of each debt CuraDebt settles for you in fees. The total cost usually depends on the following factors:
- The fee charged
- Credit balances
- Monthly contribution into the program
Started in 2000, Freescore360 has grown to become one of the most trusted credit repair firms.
Using a set of unique financial tools, the firm ensures your credit report is not fraudulently filed. It also provides customers with daily credit alerts to help them stay updated.
Unlike many credit repair companies, Freescore360 offers a 7-day free trial. With this, you can get an overview look and feel of the available options and then choose what suits you best. The monthly membership is only $29.95, suitable if you have a tight budget.
The Credit People
Credit repair doesnât have to be a daunting, stressful process, as many people describe it. This is because The Credit People is always ready to help you out.
Like any other credit repair company, The Credit People ensures that the reporting agencies file a fair report. They do this by reviewing your report and highlighting areas where there could be repairs.
The company then disputes any questionable item that may have been included in the credit report. Doing so goes a long way in raising your credit score.
One can get started with a monthly membership of $79. Alternatively, you can subscribe for a flat rate membership and pay $419 for six monthsâ worth of services. Doing so will save $74.
Leap Credit is a dedicated company that strives to help you meet your financial needs. It does this by advancing loans to clients regardless of their credit scores.
Many people love the firm because of two main reasons. The first one is because the loan application process is easy and quick. All one needs is a smart device and internet access, and they are good to go.
The other reason is that they are accommodating and understanding. For instance, if one takes a loan and the agreed repayment plan causes financial hitches, they can always seek a review. During the examination, the client can be accorded a payment schedule suitable for them.
How We Ranked The Best Credit Repair Companies
None of the companies in this article made it here by chance. Neither was there any form of guesswork implemented to compile this list. In essence, our editors developed a unique set of ranking tools in which they used to filter out the best from the rest. These methods are as follows;
Ability to Improve the Credit Score of a Client
When we were ranking the above companies, we considered the number of points a client gained. Some companies may increase credit scores by only a few points. At the same time, others cross the 100 point threshold. Those companies that added more points were quick to capture our attention. This meant that they were good credit repair companies.
Value and Cost of Their Services
When we ranked these companies, those that offered high-quality services at lower cost were considered the most.
However, as you have noted, some companies on our list are a bit expensive. This does not mean you should not consider them. All of the firms here are good credit score repairers and offer exceptional services.
Transparency and Honesty towards Their Customers
Customers need the plain truth about your services. But far too many companies do not offer complete and truthful information. Most of them are driven by profits rather than problem-solving. During our ranking, companies that showed signs of dishonesty were dropped immediately.
Realistic Estimates about Credit Score Increases
Companies use previous data to estimate the credit score increases of their current clients. CreditPeople.com, for instance, averages its credit score increases from 50 to 180 points. This is realistic since they have been doing the same for their previous customers. Now that is why such a company is on our list.
Repairing Credit Score Rather Than Monitoring It
Credit repair and monitoring are two commonly confused words. Many people think they refer to the same thing. The truth is, they are two different phrases.
Credit monitoring involves the tracking of all activities on a credit card to detect any changes. It is known to guard consumers against identity theft, fraud, and unauthorized buying patterns.
On the other hand, credit repair is a technique that involves correcting or fixing a personâs credit score. It is often done when one is said to have poor or bad credit.
When we were ranking our companies, we put all of this into consideration.
The best credit repair companies on our list offer more than monitoring services. They went far and beyond to remove erroneous data on clientsâ credit reports. Doing so played a vital role in increasing their credit scores.
Methods of Repairing Clientsâ Credit Scores
If you were keen on the first section where we were ranking the credit repair companies, you must have seen that a majority work by challenging incorrect records on credit reports. That is something simple that everyone can do.
Now what makes a company stand out is its ability to go beyond doing away with such entries. We are talking about providing a unique set of services. Firms that did this stood a better chance of getting to the list.
Existence of an Active Refund Policy and Satisfaction Guarantee
A satisfaction guarantee shows a companyâs determination to change your credit score. But being a challenging undertaking, only a few companies promise positive results.
On our list, we had a few companies that promised to deliver what their customers wanted. If they failed, you would be refunded your money. An excellent example of such companies is Sky Blue Credit. The company has an active 90-day money-back guarantee. Customers could claim their money from the company; if they were unsuccessful in boosting their credit scores.
Attractive and User-friendly Websites
Most credit repair companies invest heavily in having attractive systems. Such systems help these firms attract clients to their platforms and keep them logged in.
Besides lovely layouts, user experience was also an important ranking factor. User-friendly systems leave positive and permanent impressions in the usersâ minds. This is because they are easy to access and use. In essence, with a few clicks, a customer could see everything they needed.
Our preferences lean to those companies that provide a pleasant and ânot-so-complicatedâ platform.
The Reputation of the Firm
Most if not all firms have everything to lose once their reputation is tarnished. Hence they are doing their best to keep their customers content.
When we were looking into reputation, age was a defining factor. Some companies, such as Lexington Law, have been in business for more than two decades. This shows their services are built on firm grounds of a positive reputation.
Benefits of Repairing Your Credit Score
Many people usually wonder why a lot of emphasis is put on improving oneâs credit score. Although we talked a bit in the beginning about some of the benefits of good credit, here are more detailed explanations and a few other benefits;
Marrying Your Dream Partner
However crazy this might sound, most people want to have a partner with good credit. This is because poor credit is often considered a sign of irresponsibleness, according to many Americans. A survey done by Market Watch supports this finding. In the survey, Market Watch notes that over half of Americans donât want to marry someone with a bad debt record.
These saddening statistics germinate further to dictate relationships before they even get serious. But why should you let a bad credit score become a red flag in your relationship? A credit repair company can help you avoid such embarrassment and heartbreaks. Just contact any of the firms mentioned above and be ready to take your relationship to another level.
Get Cheaper Car Insurance
It seems that in the USA, everything gets expensive with a poor credit score. On average, a person with a bad credit score will incur an annual car insurance cost of $2100. This is more than a third of what folks with good credit pay.
That is why you need to reach out to any of the companies we have highlighted and start your journey to good credit.
Receive Higher Credit Card Limits
A good credit score indicates that you can comfortably pay debts. Therefore lenders may increase your credit limit by up to 10 times.
Other than increasing your limits, some companies may offer cash-backs. This might even come with fabulous no-fee services. So, repair your credit card as early as possible to access cost-saving perks.
Access Better Mortgage Rates with Faster Approvals
A mortgage is another type of loan that runs the American economy. Research shows that out of 6 million houses sold in the USA, 64% of them are acquired through mortgages.
Without good credit, you might not even come close to your dream home. This is because lenders tend to avoid such clients in fear of losing their finances. Even if you find mortgagers willing to accept you, they will increase their rates. You may even get approvals very late.
With good credit, none of these things will be an issue to you. In essence, you will get great mortgage rates. The applications for such loans will also be approved quickly.
Get Easy Approvals When Renting a Home
Nowadays, most landlords donât want to take a chance with their properties. They will check credit scores before renting out their houses. When you have a good credit score, the approval process will be smooth sailing.
Have Better Power to Negotiate Financial Deals
Having good credit is like being on top of the world. When you sit at a negotiating table, everything you say is put into serious consideration. This gives you a better negotiating power.
Talk More at Cheaper Phone Rates
Similar to insurance, phone companies associate with citizens with a good financial reputation. They offer them post-paid services without the need for a security deposit. Furthermore, they even qualify you for better call rates.
Utility Companies Will Not Require Security Deposits
Utility companies run on your monthly remittances. Thus, they will want to avoid the risk of late payment by charging you a security deposit if you have poor credit. Typically, a security deposit will range from $100 to $300, which is a lot of money for many Americans.
Cheaper Insurance Premiums for Many Homeowners
Insurance companies tend to penalize individuals with poor credit scores with high premium rates. The reason is that they think they are irresponsible citizens with no regard for credit. Therefore companies will want to compensate themselves before you forfeit payments.
Live a Confident and Better Life
Having good credit has been known to be a confidence booster. This indicates that you are paying your debts on time, meaning you have your finances in check. It also shows that you are responsible for your undertakings. When these things are put together, you will find yourself having high morale and leading a better life.
Credit Repair Company FAQs
We always try to explore every concept of credit repair services when discussing individual companies. But, with so much to cover, we use FAQs to break broader concepts into understandable bits. Here are some of the questions we have gathered from numerous sources. We hope they will help you understand this concept better.
Q: What do we mean by the term credit?
A: In simple terms, credit is obtaining goods and perhaps services with a promise to pay later. This promise is built on trust that money will be wired on or before the agreed time. Also, because credit is somehow an offer from a seller, interest is added to what you are supposed to pay. The interest is determined by the seller or the company giving you credit.
Q: What exactly is a credit score?
A: This is something that shows a consumerâs credit soundness. It is measured using numbers from 300 to 850. The latter indicates that you are an excellent borrower, and any company can trust you.
To come up with a credit score, companies consider many things. Among them are your credit payment history and the amount of credit you have been borrowing. If you pay all your credits on time, you will garner more points. You can also accomplish this using credit repair companies.
Q: Why do lenders need my credit score?
A: When lenders pull out your credit score, they need more information on your trustworthiness. They can do this by looking at FICO and other scores. Doing so enables them to calculate the risk associated with their loans depending on the clientsâ scores.
Q: What is good credit?
A: This is any score that falls between 670 and 739. Such scores indicate that a person pays loans on time and is not a prolific loan defaulter. Anything above 740 is an excellent credit score.
Q: What is bad credit?
A: Anything below 670 is considered a bad credit score. Furthermore, the lower you go, the worse your credit score becomes. People with credit scores close to 300 are said to have a terrible reputation for borrowing. If you are one of them, donât dally; seek help from any of the trustworthy credit repair brands listed above.
Q: What can clients do to lower their credit scores?
A: Credit scores lower very fast due to several reasons. Some of these reasons are; late payments, a concise credit history, and many requests for credit lines.
Q: For how long do the negative items stay on your report?
A: The item type and bureau determine how long negative things will remain on your report. In some cases, you may even find items staying for up to a decade.
Q: How many types of credit scores do I have?
A: You have three significant credit scores, each from the three main credit bureaus. This is because each bureau is different in the way it tracks your information. All in all, all three scores will provide the same opinion regarding your trustworthiness.
Q: How low can your credit score reach?
A: The lowest credit score is 300 points. Such a score is regarded as the worst rating available. With it, you wonât receive any lending services from creditors.
Q: What is the best credit score?
A: The best credit score is 850. With this score, every credit bureau will rate you as excellent or perfect. According to FICOâs recent statistics, only 1.6% of the population has a credit score of 850 in the USA.
Q: Who is responsible for tracking credit scores?
A: In America, we have three major credit bureaus. These bureaus are; TransUnion, Equifax, and Experia. These are the institutions that track all your credit-related information.
Q: How do creditors check my credit score?
A: Creditors pull out information about your credit score from the three major bureaus.
Q: What is a credit bureau?
A: A credit bureau is an independent company that tracks citizensâ credit information. They look for credit usages, changes in debt payment, and overall credit history.
Q: Credit score and credit report, what do they mean, and how are they different from each other?
A: A credit score is any three-digit value that falls between 300 and 850 that depicts your creditworthiness. The number changes frequently depending on your borrowing activities.
On the flip side, a credit report is a list of items that may positively or negatively affect your credit score. It may include items such as records of defaulted bills and bankruptcy.
Q: What is a FICO score?
A: This is a product of Fair Isaac Corporation (FICO). The score is an essential piece of information used by lenders in calculating the risks of their loans. The final answer comes as a three-digit number similar to a credit score. But, the company, FICO, does not track an individualâs credit information. They use data from the bureaus we have highlighted here to find the aggregate credit score.
Q: How can you calculate FICO score?
A: Before the FICO score is arrived at, the company considers the following top five factors. Payment history and amount owed contribute 35 and 30% of the score, respectively. The other three factors are credit history 15%, credit accounts 10%, and new credits 10%.
Q: What can you do to get a good credit score?
A: An average credit consumer can get a good credit score by paying bills on time. Also, if you use various types of credits, you will improve your credit score.
Q: How can I fix my credit?
A: You can do this by removing any erroneous entries on your credit card report.
Q: How do credit repair companies work?
A: They check your credit reports for incorrect entries and try to fix them. They may also challenge credit bureaus to prove entries on your credit card.
Q: What are the constituents of a credit report?
A: It has your score, tradeline, and payment records. It also contains your identifying information, credit inquiries, account names, and credit limits.
Q: Can your credit score influence whether or not you get employed?
A: Legally, employers are allowed to use your credit scores to figure out whether or not you would be an excellent addition to their company/organization. A poor credit score will reduce your chances of securing a job. It may also prevent you from landing a promotion.
Q: What credit score do you need to buy a home?
A: With a credit score of above 620, you can comfortably get a new home.
Q: What credit score do you need to buy a car?
A: Though you can obtain car credit with a credit score of 500, growing it to 550 will earn you diverse car loans.
Q: Can I get a credit report for free?
A: Yes, you can. Just call 1-877-322-8228, and the person on the other end will help you out. You can also visit the annual credit report website and get all the information you need.
Q: What is credit repair?
A: This is the process of improving your credit score. It is done by addressing negative items on your credit report.
Q: How long will it take a company to repair my credit?
A: Repairing credit will take anywhere from a few weeks to years, depending on the issues on your card. From our list, trustworthy companies like Creditrepair.com claim to increase credit scores by 10 points every month.
Q: Can you trust credit repair companies?
A: Some credit repair service providers are legit. They have a proven reputation for removing erroneous information from credit cards.
Q: Is credit repair expensive?
A: Credit repair is expensive depending on whom you contract for the job. Some companies offer free services while others charge thousands of dollars. For instance, if you hire a law firm to repair your credit card, they may even charge more than $1000.
Q: Can I fix my credit score?
A: Yes, you can repair your credit score by addressing inconsistencies on your card. One can do this by contacting credit bureaus and lenders for erroneous data on your cardâs report.
Q: Will a defaulted student loan harm my credit score?
A: If you fail to pay any type of loan, including a student loan, your credit score will be negatively affected.
The Best Credit Repair Companies & Services in 2021 Conclusion
Many people living in America have errors in their credit reports. These errors result in poor credit scores. A bad credit score negatively impacts almost every aspect of your life. It will affect your insurance premiums, deny you a job, and cause you to pay higher phone rates. You can fix this by hiring the best credit repair company.
âYou only live once.â You may have heard this saying over and over again; at this point, it probably feels clichÃ©. Whether or not it has been overused is a topic for another day. What we would like to focus on is its relevance. You can only experience life and everything in it one time, and you are gone. So why not go through it peacefully, beautifully, and comfortably. There are many ways in which one can do so. One of them is by being financially stable, which mainly encompasses building and maintaining good credit.
Getting to a point where your credit scores are regarded as good/excellent is not easy. However, it is possible no matter how low your current score may be. You just need to put in the right financial strategies. An excellent place to start would be going through proper credit score articles like this one. With such a guide, you can understand how credit scores work and reputable companies that can help you build yours. If this is you, kindly go through the list again and every other particular that follows it. Doing so will ensure that you grasp every single minute detail availed here. This could go a long way in helping you choose the firm that suits you best.
Other than that, feel free to implement other valuable tips that may not have been highlighted in this post. Doing so will increase the effectiveness in which you can boost your credit score. However, be sure to give a chance to a number of the credit repair firms we have discussed here. This is because, as a team, we can vouch for these companies. Coming up with this list costs us a lot. It took our team many hours to scour through company profiles, filter out the mediocre firms, shortlist the best and pass this information to you. So, again you can be sure that only the best made it here.
Be sure to check back with us from time to time and go through this article again. This is because, as a team, we believe in staying up to date with current events and times. Essentially, we will be updating various parts of this article as we continue to gather new information.
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