Credit Repair Services
Why Get a Credit Repair Service?
- Poor credit can give a bad impression of you to others
- Cleaning up your credit can be done DIY-style, but it is both tedious and time consuming.
- Credit repair services frees up your time from having to perform the boring tasks.
- Leverage their experience in the field to help you improve your credit faster.
| Service | Sky Blue Credit | My Credit Group | Lexington Law | Ovation Law | Veracity Credit |
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| Our Rating | Best Plan Overall | Good Service | Most Popular | Cheap Plan | Average |
| Plan Reviewed | Standard | Standard | Lexington Regular | Essentials | Veracity Select |
| BBB Rating | A+ | A | A- | A- | B |
| Our Review | Exceptional service and easy to deal with. Provides 100% money back guarantee, with the ability to cancel anytime. Payment is collected after work done at the end of each month. Good alternative to Lexington law. Full Review |
Provides a detailed, personalized plan to repair your credit and reduce debts. Has one-on-one credit coach to work with. Comes with top notch service, along with a written risk-free guarantee. Full Review |
An actual law firm. Huge team of lawyers working on cases. Payment is collected at the end of each month, after work is performed. One of the largest credit repair services provider. Proven track record. Best overall deal. Full Review |
An established company with 23 years of experience in the industry. Their 'Essentials' Plan offers the lowest monthly fee of all the companies listed. Full Review |
Has a lower BBB rating compared to other companies, but nonetheless relatively well known. Package comes with free credit report. Does not explicitly mention that payment is collected after work is done, unlike the other companies. Full Review |
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| One Time Setup Fee | $49.00 | $99.00 | $99.95 | $87.00 | $69.00 |
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$49.00/mo
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$69.00/mo
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$39.95/mo
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$37.00/mo
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$49.00/mo
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Credit Repair Services
There appears to be quite a lot of confusion when it comes to choosing a professional consumer credit repair service. There is so much info on the net about credit repair; some people say you can do it yourself, other people say you should go with a service - it's all very confusing. The good thing is that there are only a few things you need to search for when you're attempting to repair your credit quickly and with excellent results.
First of all, getting all of your questions and concerns answered is one of your top priorities. There are many credit repair companies that are shady, and mixed along with them are quality services dedicated to helping you out. Any respectable company will understand that they face a lot of scammers and they will go out to answer any questions you may have. Therefore, when you choose a credit repair service, it's advised that you talk to one of the staff before you go through with one of the credit repair plans that they offer.
Also, it's very important to clarify the amount that the company will charge you. Don't just read about it on their website; make sure that you talk to one of the employees, and be sure you're 100% comfortable with them before making any decisions of spending money with them. Credit repair takes a while, therefore if the company is rotten, you will have a very negative experience.
So, instead of waiting 7 years for your bad reports to disappear, you may wish to eliminate the bad records on your name right away.
Check Your Credit Rating
If you are being turned down for the competitive rates on credit products such as loans and credit cards then it can be a good idea to double check your credit rating, as there could be a specific reason for these credit refusals such as outstanding debts in your name. By resolving these problems you can repair your credit rating and make sure that the best credit offers are within your reach again.
Checking your credit rating is easy, you just send off for a copy of your consumer credit report from one of the main credit reference bureaus Experian, Equifax or TransUnion. You are entitled to one free copy every year, but after this you will have to pay a small administration charge for requesting further copies of your credit report, unless you have recently been refused credit, in which case you are entitled to another free copy of your report in order for you to see why you have been turned down.
Once you have your credit report you need to check through it very carefully, making sure that all of the entries are correct and related to credit products you have actually applied for in the past. If you spot any unusual or suspicious entries such as credit cards you have never actually owned or addresses attached to your file you have never lived at then contact the credit bureau immediately to report this, as it could indicate that identity fraud has occurred. You should also look out for any credit cards that are still listed that you no longer use, and cancel them as soon as possible as they can indicate to lenders that you are not a big card user, and so they might not consider you as a potential customer.
If you do identify any outstanding debts on your credit report then you should take steps to sort these out as soon as possible, as they will bring your credit rating down until they are settled and paid in full.
How Can I Check My Credit Rating?
It is very easy to check you own personal credit rating and history, and the first step you will need to take is to apply for a copy of your consumer credit file from one of the main credit agencies such as Equifax or Experian. These agencies hold credit files on millions of people and everyone is entitled to one free annual copy of their file, and also another free copy should they be refused credit due to the information contained on their files. Some credit agencies have online account services, which means once you have signed up and paid a small annual fee you will be able to view your credit file whenever you want to, and this can be helpful if you suspect you have become a victim of identity theft, as it will allow you to keep a very close eye on your credit file to ensure no one is applying for credit fraudulently in your name.
Once you have a copy of your credit file you can then check your credit rating and history. All of the credit products you have had in the past will be listed here, along with your repayment history. Any debts or outstanding repayment amounts will also be showing, and as these are the entries that reflect negatively on your credit rating if you do have any you should look into paying them off as soon as possible.
If you see any incorrect records on your credit file then you need to report them to the credit agency as soon as possible, so look out for any credit accounts that have been opened that you do not recognise, or any strange addresses connected to your file that you have never actually lived at.