As a process, credit repair entails correcting a bad credit score. It can rid negative points of one’s credit report, thus allowing them to purchase the car or house they strongly desire. With numerous credit repair service providers being available, how would you select the one that suits you? Talking to friends and researching for numerous hours can all help to whittle the list of credit repair service providers down to a few.
Credit Saint
With an A+ BBB rating, and founded back in 2007, Credit Saint has helped numerous customers to make their three-digit credit scores better. What causes Credit Saint to be noticeable is that it provides a free credit consultation, where you can discuss and discover negative marks in your score. You do not have to spend money on this service.
In the event of choosing to keep working with it after that consultation, it would contact the main credit bureaus for you to remove incorrect details from your report.
While Credit Saint may be an aggressive service, it knows that different individuals have different requirements. Therefore, it provides different service packages, which are as follows.
- Credit Polish
The basic package of Credit Saint includes disputes against negative information per credit cycle, free credit score analysis, charge-offs, a score tracker and so forth.
- Credit Remodel
It includes the same things as in the above-mentioned Credit Saint package, and additional services like credit monitoring, to name one.
- Clean Slate
It is more aggressive than the other two packages, and includes the same things as them, plus unlimited challenges of incorrect items, judgment disputes, and demand letters for you.
Lexington Law
When you require legal assistance, Lexington Law is perhaps the option that fits you since it is a law firm. Lexington Law is regarded as the most experienced credit repair service provider in the United States of America. It has got thousands of negative items eliminated from its clientele’s credit reports.
Lexington Law’s team has attorneys and paralegals, who protect client credit scores with specific laws. The professionals do it with client credit report copies and by discovering which factors bring customers’ scores down.
Then, the professionals send letters to dispute the validity of the incorrect items. Lexington Law provides a web-based dashboard, which allows clients to track their credit score activity.
Lexington Law assigns customers their own legal representative, typically a paralegal. It allows customers to schedule appointments through their representatives even outside of business hours, thus simplifying the process even when busy. As with the other services, it provides three packages for customers to pick from, as mentioned below.
- Concord Standard
It is the least expensive package of Lexington Law, with the service of challenging negative information from creditors and the big three credit bureaus.
- Concord Premier
It has everything available in the Concord Standard package, plus hard enquiry removal, score analysis, and TransUnion alerts.
- Premier Plus
It is Lexington Law’s costliest package, with personal finance-related tools, identity theft protection, FICO credit score tracker, and stop harassment letters.
The Credit People
When you want to check out a credit repair service before making any commitment, you should think about choosing The Credit People. The credit repair service provider offers a one-week trial at an affordable price. If you wish to turn the trial into a paid membership, then you could pick between one six-month plan with a fixed rate and another with a month-wise fee.
Both six-month plans include communication with customers’ creditors, unlimited credit disputes, and a six-month-long satisfaction guarantee. The credit repair service provider claims that it has removed around 1.50 million negative pieces of information from its clients’ credit reports. No such service provider guarantees that customers will have credit report improvements. That said, the online site of this company claims that it has contributed to 53 to 187 points of increases in client credit scores.
Reviews praise the customer service of The Credit People, and the online account it offers to customers that can be accessed from a computer or mobile device. Customers will also get notifications, so they would know when some changes happen in their credit repair accounts.
Credit Repair
Since 2012, Credit Repair has eliminated over 1,800,000 damaging items from the credit reports of clients. After one signs up with Credit Repair, it would charge them a small fee to help them check their report for confusing, misleading and/or invalid information in it.
Credit Repair’s staff makes a custom plan to eliminate the negative pieces of information and help with customer credit scores. Every genuine credit repair company works with the principle of offering customers many packages, and Credit Repair is no exception.
- Direct Package
It is the least expensive option. Signing up with it takes a small amount of money, and there will be a cheap monthly fee.
It includes three creditor disputes and fifteen credit challenges per month. So, in the event of having some negative information in the credit history, it is perhaps the best package for you.
- Standard Package
The package includes demand letters for creditors, round-the-clock credit monitoring, and interventions to the three big credit reporting agencies.
- Advanced Package
Besides everything the other two plans offer, this one includes monthly FICO scores, identity theft insurance, and personal finance software options.
Credit Firm
As with almost every credit repair company, Credit Firm, too, provides a free credit consultation that will include a strategy to help make your score better. The highly reputable business has been in operation since the year 1997, and it has a team of lawyers as its founders.
A licensed lawyer offers an audit of Credit Firm customers’ credit reports, which is a service that other credit repair businesses do not provide. The lawyer reviews the reports as well as all other documents that the company delivers to creditors on behalf of their clients.
Unlike other credit repair service providers, it offers just a single credit remodel plan. The package comes with unlimited disputes monthly, which is an amazing deal considering how other companies tend to limit or increase their rate when the disputes count goes up.