Best Credit Repair Companies 2023 – Honest Credit Repair Reviews
and Actual Results | Our Top 7 Choices
Best credit repair reviews – Are you
interested in hiring a credit repair company to raise your credit score? Choosing the right credit repair
company can mean the difference between thousands of dollars and hours of wasted time. There are endless
amounts of credit repair companies out there, and they all claim to offer the same thing: a higher credit
score at a low cost. But which of these credit repair companies truly do offer what they say they do? We
have the answers. After conducting extensive research on all of the top credit repair companies out there,
we have compiled a list of which ones are the best. Instead of doing a top ten list, we decided that we
could only affirm, vouch for and endorse seven of the best credit repair services . Each service that we
feature, we have actually used first-hand by our
founder , someone in our company or by someone we know and the results have
been documented. Disclaimer: If you sign up with one of
these services through our site we may earn a commission (but not on all). It is more important that we are
ethical, upfront, and transparent in our findings and that you can trust our reviews to help you make the
right decision about which credit repair company to choose.
#1 – Sky Blue Credit – Sky Blue Credit is a reputable trusted company that has been repairing
credit for many years. It is, from our hands-on trials and findings, the #1 overall best credit repair
company. We have also chosen them as #1 for fast credit repair.
No-Nonsense | No-Pressure Courteous Team
They are comprised of a team of credit specialists that are
extremely courteous and professional. If you’re looking for a credit repair company that has repeatedly
shown successful results for years and years, then Sky Blue is a great option!
How Do We Know That They Work?
Because we’ve used them and we have proof of the results.
That is why they are our #1 choice
for credit repair. See actual deletions that they have acquired for us
A+ BBB Rating and a 90 Day Money-back Guarantee
To add to your confidence level, it doesn’t hurt that Sky Blue
has an A+ BBB rating after 25-plus years of being in business!
And you want to use a company that backs up their service with a full 90-day (no
questions asked) 90-day money-back guarantee.
A Case Study
Our Founder of this site CreditRepairReviews.co, Charlie, used Sky Blue and had
over 30 deletions
See more of Charlie’s story
here.
Another close colleague of ours used Sky Blue with great results. After 7 months, his Fico Score went from 601 to 733 with 17
deletions of negative items (4 of which were charge-offs).
They have also helped other members of our team. See
more of what Sky Blue has done for us! Visit their
website for more information.
Sky Blue is a very trusted name in the industry. You can move forward with them to
repair your credit with confidence!
Here’s Why Sky Blue is the Best Credit Repair Company
-
Sky Blue offers THE ONLY 90-day condition free refund policy in the
industry – You have 90 days from the date of enrollment to request a
refund. It is that simple and that clear.
-
Sky Blue has an A+ Rating with the BBB – An A+ rating
after 31 years in the industry. Need we say more?
-
Sky Blue is the ONLY all-inclusive service – Professional
credit report analysis, faster disputes, custom
disputes, statute of limitation research, score assistance, credit
rebuilding, debt validation, goodwill letters, cease & desist
letters, and debt settlement/negotiation consultations. Everything is
included. No upgrades are ever needed.
-
The ONLY 35-day dispute cycle – Most credit repair
companies have 45-day cycles in-between disputes. With Sky Blue Credit your turnaround
is much faster.
-
The ONLY flexible payment program – Need a little time to
get some funds together? You can temporarily pause your service with a click of a
button!
-
One of the largest credit repair education centers online –
Over 500 + pages of tutorials and tips.
-
Best support – They do not have pushy salespeople.
NO ONE at Sky Blue makes a commission. When they are done with your
account, they will let you know. They will never drag you along.
-
You can quit at any time – There are no long-term
commitments. You can quit at any time with no penalty.
Take action now!
#2 The Credit People
Phone: 407-349-8847
Affordable Experienced Professionals
With years of credit repair success under their belts, the
Credit People are up for the challenge to help you raise your score, and in turn, raise your status.
The Credit People are true
professionals and they are one of the least expensive companies on our list. Get into their program for a
low monthly fee, and boost your score today.
You can even receive a free report and a free credit score
through their website!
How The Credit People Helped one of our Colleagues
We can attest that The Credit People’s unique program is one of
the fastest, best, and most affordable restoration services available online.
One of our colleagues tried the program (When their company
name was DSI) with amazing results.
They realized 18 deletions in
total, including a bankruptcy ! See our full testament of The Credit People on
their company profile
Call 407-349-8847 today to get started!
Phone: 844-694-0646
Customer support that is second to none
The one thing that you can be sure of is that The Credit Pros
will treat you in a courteous and professional manner. You will have full transparency on your account and
you will know exactly what has been done each step along the process and your private information will
always be 100% secure.
A true boutique company
You will also get the best customer support. Someone will
always be there to help you or to answer your questions. Trust us, this is not extremely common with other
companies. You will also get fully customized handwritten letters They do not print out generic letter
campaigns as most of their competitors do.
Advanced technology
The Credit Pros are also ahead of
their time with advanced AI technology (CreditRepair.ai™), and CreditSentry™ where your credit reports will
be monitored in real-time by Transunion.
Learn more about their advanced features here.
What The Credit Pros Accomplished for two of our
Colleagues
We have a great testimonial from a colleague where The Credit
Pros realized 15 deletions in five rounds of disputing.
Her score went from 601 to 721.
Another colleague had 9
deletions in just two rounds with their “success package” which cleaned up his reports across all three
bureaus (Transunion, Equifax, and Experian) and helped him to get approved for a mortgage. The Credit Pros
were able to get a tax lien and three collection accounts removed because of inaccurate reporting.
Established as a leader in credit repair in the United States, Lexington
Law provides professional services and proven results. What sets Lexington Law apart from most other
credit repair services is the fact that they are a law firm. With 22 lawyers working in 16 different
states, Lexington Law has helped over 500,000 clients fix their credit over the past 20
years.
We signed up with the Lexington Law program for 9 months , and during that period we saw 19 negative items removed from our credit reports (4 of them
were inquiries). See a more in-depth close-up picture of our case study (look in the results
section). We have recommended them to our peers as well as to consumers that reached out to us and
weren’t sure where to turn for help. Visit the Lexington Law
Website
CreditRepair.com
Our #5 Pick | CreditRepair.com
Comprised of a team of credit repair experts, CreditRepair.com is a
modern and proven-to-work credit repair company. Their advanced credit repair techniques and
state-of-the-art technology will prove to provide one of the most successful credit repair programs
out there. Their interactive website will 24/7 client access is sure to impress!
Why they helped us
In 4 rounds of disputes, (about 6 months
), they deleted 17 negative
items for us. We did not use the service that long and we still got really great results. See more of what they have done for our close constituents as well as how they have helped other
clients.
Ovation
Our #6 Pick | Ovation
Simple, fast, and effective: those are the three
entities that Ovation promises to every client. Offering professional credit report repair, two
different credit repair programs, and proven results, Ovation is definitely a top ten credit
repair company in the United States.
what they did for us
We used Ovation Law for 6 months with better than average results. They did not produce as well as some of the
other companies but we still saw 9 deletions
disappear within the 6 months with Ovation Law. They realized a bankruptcy deletion
for one of our friends’ uncle. The deletion wasn’t for us but we did recommend them to Ovation when
he ran into debt issues and had to, unfortunately, file for bankruptcy. See our full review
Criteria of How We Rank the Best Credit Repair Companies
We use the services firsthand. We then compile the data to see who has
helped us obtain actual credit repair deletions from our reports.
We cross-analyze to see which companies deliver on what they advertise.
The amount of time a company has been in business is a huge
determinant of how reputable they are, so “experience” is one of our top
ranking factors. We also look to see if they are experts in their
field.
Since the Better Business Bureau is a respected rating system, we
take each company’s BBB rating into consideration. This is not the top
metric in our algorithm, but we do put some weight on it.
Getting the job done in a timely fashion is very important for
consumers and it is a big concern of ours. We dismiss companies that
have a reputation to keep clients in the program for lengthy periods of
time.
It is very important for consumers to be able to feel secure about
their investment or purchase, so guarantees are another factor in our
reviews. We make sure our recommended services are trusted.
There is no better source of valuable information about a company
than from its past or present customers. So we have compiled a large
amount of REAL verified reviews from REAL customers.
A company’s reputation is very important, so we take everything that
we hear or read about a company into consideration. We also have reached
out and spoken with every one of these company owners.
Above all other factors, we are aware that price can be a huge
deal-breaker for people who may be struggling. We have analyzed which
companies offer the absolute best services for the most affordable
price.
Credit Repair
Credit Repair is your right
Making sure that your credit information which is being
reported about you by third-party agencies is your right under the law. Although many people think that
credit repair is not possible or that using an online credit repair company is illegal or may be a scam, the
fact remains that hiring one of these online credit repair companies is completely 100% legal, and is your
right under the Fair Credit Reporting Act (FCRA). Many consumers do not know but the FCRA actually supports
your ability to dispute negative erroneous items on your credit report.
Credit repair is possible
Chances are that by now if you’ve been searching on the
Internet, you have seen many articles and discussions that state that credit repair is simply not possible.
Many of these articles state that only time and paying bills responsibly is the only way to repair your
credit score.
This is of course very sound advice and is of course also very
true, but it is not the only way to raise your credit score. You are allowed by law, to dispute any and all
items on your credit report. This is your right. It is the right of every consumer, and this law was created
for your protection.
Wouldn’t you want the fair chance to remove items that really
arent yours?
Let’s think about this for a moment. If an erroneous item was
appearing on your credit report and it truly was not yours, wouldn’t you want the chance to have that item
removed? Of course, you would, and, it’s only fair. And thanks to the laws that are in place to protect you
as a consumer, you have the full right to do this and act upon this on your own. All you would have to do is
dispute the negative item with the credit bureau. You would write a letter that simply states that this
particular negative item is not mine.
The credit bureau then must take action and research your
dispute. If they cannot find any evidence of this negative item truly being yours, then by law, they must
delete the item from your credit report.
The credit bureaus do not know whether or not your dispute is
frivolous. They have to determine that by doing their research. Now I am by no means suggesting that you
send in frivolous dispute letters. You do not need to make up crazy stories or lie. You simply need to have
the credit bureaus prove that every single negative item appearing on your credit report is actually
yours.
You have the right to double-check any information at all, that
you feel is inaccurate, which is showing up on your credit reports. Remember that the three major credit
bureaus are independent companies that are buying and reselling information about you to creditors, lenders,
and banks. You did not ask for this credit information to be compiled about you but it is and the laws are
in your favor to ensure the accuracy of this information.
Believe it or not, it is up to you and you alone to make sure
that the information provided about you is accurate. If you feel that anything at all is not accurate, or
looks even remotely fishy on your credit reports, you should dispute them with the three major credit
bureaus immediately. If you don’t recognize a particular item or a particular creditor; or even if your
reported available credit line is not accurate, you should dispute it straight away.
Your credit report changes every single month. Every month your
creditors update specific information about you and report it to the credit agencies. They update everything
that they know about you including your account balances, inquiries, your recent payments, and existing
credit lines, so you should be checking your credit report all the time to make sure that all of the
information is 100% accurate. We would suggest checking the information reported about you at least once
every two months at the very least.
Remember repairing your credit is your right by the law
This is your right. Why not take advantage of it. By law, your
creditors (and the credit reporting agencies) must prove that everything appearing on your credit report is
actually yours. You can dispute items on your own or you can choose from one of our recommended online
credit repair services to do the work for you. Our recommendations are backed by real results where you can
see previous actual deletion letters. The advantage of hiring a credit repair service is that they know the
laws in each and every state and are able to expedite this matter for a small fee.
To really keep on top of what is going on, you have 2 simple
choices…
-
Choice 1: You do it yourself.
You 100% most certainly can tackle this on your own. And if you have
the means, the time, and the know-how, we urge you to do it yourself. No
one will know your history better than you. You would simply need to
pull your current credit reports and go over each of them very closely
and look for any incorrect information. You would then dispute all of
the erroneous information that you found by writing letters to the
respective creditors as well as to the credit bureaus. You have the
right to do it on your own and/or hire a credit repair company. If you
have the time and patience, by all means, do it on your own because you
will save money. Here is a quick 10 step credit repair
guide that should prove useful on your journey of DIY
credit repair.
-
Choice 2: Hire a credit restoration
service.
The problem with this approach and strategy is that (in the past) it
has been very difficult for consumers to weed out the potential bad
credit repair companies from the good ones on the Internet. But by doing
some research and by using due diligence, you can certainly search on
the Internet and find some very reputable credit repair companies.
And that is where we come in. Our reviews show the actual results
achieved for previous clients by the companies that we are recommending.
Which do we feel is the best overall credit repair company?
Our #1 pick of the best credit repair company is Sky Blue Credit. You can read our full
review
of Sky Blue Credit to learn more about this company.
There are advantages to using a legit credit repair service if you do
not have the time or know-how to do it yourself. Some advantages are
that they know the laws in each state. They know how to effectively
write dispute letters that force the credit agencies to take action and
lastly that they will work on your file residually and keep up on the
process until the desired results are achieved. This list of the best
credit repair companies was created to help consumers that don’t have
the time to work on their own cases and so that they can find reputable
agencies that can perform the legal services that really work. We of
course cannot fully guarantee what your own individual or personal
results will be, but we assure you that all the services on this list
are 100% reputable and will show you positive results.
The bottom line
The bottom line is that you should take action in accordance with the
laws that are on your side. Whether you do it yourself and submit your
disputes one by one or hire a reputable credit repair service, you will
see that it is possible to get negative items deleted off of your
credit reports permanently and that expedited credit repair is truly
100% possible.
We Have Been Providing Credit Repair Company Reviews for over
15 Years
So we know a thing or two! (That sounds like the Farmers
commercial). :)
But seriously, we realize that having bad credit is a
consequential problem and that there are many consumers out there that are not sure which road to travel on,
and they are not sure how to deal with and fix it. Should they try to do it themselves or should they look
for a reputable company that will genuinely have their best interests in mind?
Both options are viable and we aim to help you to do either
or.
If you don’t have the time or the know-how, we want you to
trust have in us with the unbiased and factual reviews that we have backed up with real evidence.
We are your #1 trusted resource in repair for finding legit
companies that provide commendable credit repair services.
We are not just another top ten credit repair companies
website.
Please take the time to look around and we think you’ll
agree.
Navigating Our Credit Repair Resources and Reviews
What’s new on our site? (Updated 1-13-23)
Welcome to CreditRepairReviews.co! We are always updating our site
with fresh relevant content for our visitors. We want you to trust in us
so that you can rely on the accuracy of our information. We are always
here to help you with repairing your credit and getting out of debt.
Thank you for visiting!
Here it is! The unbound utmost conclusive lest ever created of the best
marketing tools. There are tools that digital business owners
cannot live without!
It’s finally here. Our all-new 130+ ways to get out of debt
blog post. Included are some amazing tips on eliminating debt while
learning how to save money. There is also a section on ingenious ways to
make money fast. We’ve worked hard on this material and we think you’re
really going to like it! Check it out here.
We’ve just updated CreditRepair.com’s new pricing model.
We have just fully updated our 10 Step credit repair guide
with more in-depth information to give you a better understanding of
how to repair your credit, whether doing it on your own or by utilizing a
credit restoration program or service.
If you have been considering starting your own credit repair business, check out our fully updated
review of the best Credit Repair Cloud software.
We have added all of their options including their free 30-day trial of
the software and their free training class. This is a must-read if you
want to start your own business. Credit Repair Cloud has just launched a
brand new robust version of their software with tons of upgraded
features. See our in-depth breakdown of the all-new Credit Repair Cloud 2.0
software. There are a lot of really cool new features in the 2.0
release. You’re going to love it!
We just recently updated our
Facebook page with some truly helpful
information when it comes to repairing credit. We hope you find a lot of value in the content.
Here are our 15 latest blog posts:
How often can you get a free credit report –
You can get a free credit report from the three major credit bureaus once a year. Learn how in this
quick blog post!
Raise your credit score 100+ points overnight
– See our latest blog post on how you can raise your credit practically
overnight. There are seven great tips on how to get the job done
quickly. If you need a quick boost in your credit score then you’re
definitely going to want to read this post. We truly hope it helps you
in your endeavors to raise your credit score!
Money affirmations that really
work – Learn how to use the power of positive affirmation to
manifest money and success into your life.
Inc
Authority reviews
– Calling all entrepreneurs! Get your LLC or Corporation set up for
free! Read our in-depth review to see everything that you can if you
sign up with this company to get your business entity off of the ground.
If you want the real truth about credit repair, we’ve got answers to
the most common misconceptions. See our latest record release :) credit repair myths exposed.
How to remove paid collections from your credit
report – See 4 sound strategies on how to get stubborn paid (or
unpaid ) collection accounts removed from your credit reports.
Does requesting a credit line hurt your score?
In this latest article, you will learn whether or not requesting a
credit line increase will hurt your fico score. You will also learn how
to utilize and leverage a simple strategy to raise your credit score
overnight!
If you’re looking to start a successful freelance affiliate marketing
business, or if you want to build an affiliate downline for your credit
repair business, you’ll want to check out this amazing 15-day course
from Legendary Marketer. The
course is just $7. And trust us it’s well worth it. Founder Dave
Sharpe has done a really great job by over-delivering with value with
this one!
Here is an amazing offer that we just love promoting because it helps
consumers to pay off their mortgage and all their other debts in as
little as 5 to 7 years! The Software is called the Money Max Account.
See how you can get out of debt in 5 to 7 years and build wealth at the
same time.
If you are a small business or a start-up entity and you need
business credit, we have great news for you! We’ve partnered with Fund
and Grow, a company that will help you to get uncollateralized business
credit cards at 0% interest with no tax returns or financials required.
See our full review of Fund and Grow and learn how it works.
Trust us, you’re gonna like this!
We have put together some really clever goodwill letter
templates
that you can use to get late payments removed from your credit reports.
We explain some of the best strategies so you have a better chance of
successfully getting the late marks removed.
Here is our brand new resource of where to find the best online education. Included are our hand-picked
recommendations of the best courses and training to help you become an expert in your field.
Do you want to sharpen your digital marketing
skills? We’ve got you 100% covered! We have just created an amazing
marketing section where we offer tips on how to grow and scale your
business as quickly as possible.
Moosend
– Read our full review of this all-in-one email marketing platform. If
you are not actively working on your email marketing, now is the time to
start. Moosend can get your email marketing off of the ground quickly
and easily!
Kartra
– Could this be the #1 absolute best all-in-one marketing tool for
running your online business? Read this review and find out! With so
many features under one roof, Kartra is making a run to be one of the
best all-in-one marketing software products ever created!
Our All-New Guide to Getting Out of Debt
We are not just credit repair anymore! We have just launched our all-new debt help
guide!
And we’re not just saying this, you’re going to love it! We have
uncovered tried and true techniques that will help consumers not only
just get out of debt but to build wealth at the same time!
Please take a moment to visit our three latest debt help posts
How
to get out of debt
– If you’ve been dreaming about finally becoming debt-free, this is the
page that you want to read first! Using our strategies, you can learn
how you can get rid of all of your debt anywhere from 2 to 7 years. By
the way, these strategies do really work. So if you have been longing to
get out of debt, make sure you read this post. It can change your life!
How to pay off your mortgage early
– How would you like to pay off your mortgage in 5 years instead of 30
years? Well, now you can do just that! Not only will you be able to pay
down your mortgage but you will also be able to pay off all of your
existing debt including credit cards, personal loans, car loans, you
name it! Get rid of your debt forever with these amazing tried and true
strategies. You can become fully debt-free and you can start building a
stream of wealth well within just 2 to 5 years by following our
strategy. Don’t wait. Now is the time to get of debt entirely, forever,
and for good!
Best debt elimination software
– We have found an astounding company that offers a unique proprietary
debt elimination software that uses sophisticated algorithms to get you
out of debt in just a couple of years. Please take the time to fully
read our reviews of the best debt trackers and debt elimination
software. Getting out of debt has never need easier thanks to modern
technology, science, and mathematical algorithms.
Hey, debt sometimes happens because of unseen circumstances. Just
know that you can rebuild. We are always here to help you with support
on any level. Please feel free to reach out to us
with any questions or comments. We love feedback and we love helping
our visitors to find their way by increasing their credit scores and
completely getting out of debt while building wealth. Don’t worry.
You’ve got this!
Entrepreneurial resources:
How to start a credit repair business from
home–
For all of you entrepreneurs out there. Here is the one and only
insurmountable guide that will take you by the hand and walk you through
actionable tasks, step-by-step, from A to Z, on how to start your own
credit repair business. You can start your own lucrative profitable
business with very little overhead. Imagine being self-employed while
helping others to improve their credit scores so that they can get the
loans, credit cards, and mortgages that they need! We have just added
some great ideas on how to grow and scale your business very quickly!
Get your business entity formation for free! Learn how to start your business for
free.
Business credit repair software–
Get the lowdown on the best credit repair software to use to manage your credit repair business.
Credit Repair Laws and Loopholes
– See the loopholes and laws that you can use to fix your credit
legally, efficiently, and quickly. There are no tricks here, just some
really good treats that you can use to repair your credit, and they
(these loopholes) are backed by the law.
Start your very own debt-to-wealth business
– Get paid anywhere from $500 to $1,500 per sale just by sharing
award-winning debt-elimination software! You can finally become your own
boss and build up a big team! This is an amazing lucrative opportunity.
You can show people how to completely eliminate their debt and turn
that previous debt into instant wealth. This may very well be one of the
best businesses of the 21st century.
Check out our complete guide for entrepreneurs.
This guide was created specifically for entrepreneurs that are looking
to get into the credit repair business. If you are serious about
starting a business, we highly recommend that you take the time to go
through this section of our site. You will find a lot of useful start-up
ideas and marketing tips.
Credit repair reviews | Credit repair resources reviews
See our top picks of the best credit repair companies. Also see a list list of all
credit repair companies in order from best to well, not so good.
Credit repair help
See our resources where you can get credit repair help. Here you will
find answers to your credit repair-related questions.
Visit our blog for more answers to everything credit
repair.
About us | Contact us
Learn more about
us as a company.
Want to reach out to us? We love feedback! contact us today!
Which is the best credit repair company
What to look for and watch out for when choosing a credit
repair company
Due Diligence
Use due diligence and do research about the company.
Our site helps you to do just that.
The credit repair company should have good reviews
Choose a company that has a lot of experience with repairing
credit.
The company should have a positive track record online with
few or no negative reviews and should have a positive track record with the BBB.
The BBB is a 3rd party organization that helps consumers and
businesses to resolve disputes. Accredited businesses that join the BBB support what the BBB does and they
pay a yearly fee which helps the BBB offer its services to consumers for free. Not all businesses are
accredited with the BBB but they may still have a grade rating (Of A, B, C, etc.) and you can still read
reviews, customer complaints, and any disputes filed against them. You can then see how the disputes and
claims were handled by the company.
Money-back guarantee
Choose a company that is willing to back up its brand with a
no-nonsense moneyback guarantee.
There are no guarantees with credit repair but you want a
company that is willing to put its money where its mouth is.
Make sure that they do not charge upfront fees
Never hire a company that charges you upfront fees.
It is for your protection that credit repair companies must start and perform some work for you
before you pay them.
Are they making false claims?
Some unscrupulous credit repair services will falsely claim that they are affiliated with, and
have an inside connection with the credit bureaus or that they are partners or allies with some sort of
governmental agency. Beware of these declarations as they are both fraudulent assertions.
There is no such thing as guaranteed results
Beware of false claims of guaranteed results. There is no such thing as guaranteed results not
just in credit repair, but just about with anything in life. They have not even seen your credit file yet.
They do not know your situation and they do not know if there are any inaccuracies on your credit reports.
How can they guarantee results? Run as fast as you can from these types of companies.
Promising to get you to a specific score
If they tell you that they will surely be able to get you a 750 credit score, again, run away as
fast as you can. These are simply more false claims. Again, no company can guarantee you a specific score.
Promising to remove your accurate delinquent information off of your credit
score
Although it is true that this is possible with some of the credit repair laws and legal loopholes that exist for your
protection, however, the chances are unlikely, and telling you that they will do so is an immoral and
untrustworthy claim.
Failing to tell you that you have the right to repair your own credit
You can dispute with the credit bureaus yourself. If they tell you that either you cannot do it
on your own or that it would be a lot harder for you to do it yourself, they are lying.
They tell you not to directly contact the credit agencies
You have every right to do so.
They tell you to give incorrect information on credit applications because it
will help you to get a loan
They are downright telling you to lie. How is that trustworthy?
Promising to create you a new identity
Watch out if a company says they can create you a new identity, and social security number so
you can start off on a clean slate. This is an illegal activity and you could end up in prison.
Is the pricing reasonable?
Make sure that the pricing is reasonable and affordable.
Is there customer service good?
Are they giving you a lot of value? Does the information sound reasonable? Are they giving you
the answers to your questions without being pushy? These are all good signs that they are a reputable firm.
Free consultations
The company should offer free consultations and absolutely should not have pushy salespeople.
We feel it is very important that you call and talk to a professional that represents the
company (and not just a salesman) before you invest in their services.
If you are feeling like you’re being pushed into something, chances are that you are, and
chances are that something that they are doing is not in your best interest.
You want a company that will go over your finances and credit situation and covers every single
step of what will (or may) happen with your account.
They need to build trust with you.
Do not feel pressured into making a decision. If it doesn’t feel right, well then, it probably
isn’t. Trust your intuition.
The one company that we can attest to that checks all these boxes is Sky Blue Credit
Repair.
Also, see actual Sky Blue Credit – Credit bureau deletion
letters that the company has achieved for us.
What to Expect From
a Good Credit Repair
Company
Honesty
A good credit repair company will be personable and honest with you and not
just simply treat you as a sale.
Your trust in them
They will have the power of attorney to dispute negative items on your credit
reports for you.
All of your information must be 100%
correct and 100% verifiable
They will go through your credit reports with a fine-tooth comb and they will
know exactly what to dispute for you. All of the information that is reported about you from the three
credit bureaus must be 100% correct. If there are any discrepancies whatsoever the items must be
removed.
They will know the laws
A really strong company like sky blue credit will know all of the legal
loopholes and laws so that they can get items that are not compliant with the law be removed from your
credit reports.
Money-back guarantee
They will offer you an ironclad moneyback guarantee
They will not charge upfront fees
It is illegal for a credit repair company to charge you before they start
working on your case.
They will not charge extra for services
that should be included
A good credit repair company Sky Blue Credit Repair will
never charge extra for additional services.
Here are
some of the things that a credit repair company can do for you
-
Goodwill letters – They can write goodwill letters on your behalf
to your creditors as well as to the credit bureaus.
-
Experience with bankruptcies – Although bankruptcies
can be stubborn to get removed off of your credit report, a good credit
repair company will know the loopholes especially on the public record
end and they will have a much higher chance of getting a stubborn
bankruptcy removed. learn more about getting a bankruptcy removed from your
credit report.
-
Experience with bankruptcies – Although bankruptcies
can be stubborn to get removed off of your credit report, a good credit
repair company will know the loopholes especially on the public record
end and they will have a much higher chance of getting a stubborn
bankruptcy removed. learn more about getting a bankruptcy removed from your credit
report.
-
Tax Liens – Tax liens are also stubborn items to get
removed. But a good credit repair company will have experience with
getting the job done.
-
Remove collection accounts – Having experience with
collection agencies is a must. The company working on your behalf should
know how to wheel and deal and be able to get collection accounts
removed from your credit reports easily.
-
Getting judgments removed – Judgments happen when
collectors do not get their money and they take the situation to
court. If the court rules in their favor it will be a judgment placed
against you and it will show up on your credit report. New laws have
been made so that judgments do not appear on your credit reports so if
you do have a judgment a good credit repair company can get it removed
easily.
-
Writing debt validation letters for you – You all
want the firm working for you so that they can validate all of your
debts with creditors. If the creditor is coming after you to pay a debt,
do not pay it until they send you a debt validation letter that will
prove that you definitely owe the debt. If they cannot do that the item
must be removed from your credit report.
-
Getting late payment removed – There are some
tried-and-true techniques to getting a late payment removed off of your
credit report. Your company should know the ins and outs to get this
done for you.
-
Cease and desist letters – If there is a creditor
that is coming after you and calling you at all hours of the night, by
law they must stop sent a cease-and-desist letter. The company that you
hire should be able to do this for you at no additional charge.
-
Inquiries – There are a couple of really good
strategies to getting hard inquiries removed from your credit report. A
good company will have the know-how to get the job done for you. Not all
inquiries can be removed but in many cases, depending on the
circumstances there are still ways to get the job done.
-
Charge offs – Charge-offs can lower your score dramatically. A
charge-off happens when the creditor cannot get their money from you
after many attempts. At that point they essentially write it off as a
loss or in many cases they will sell your debt to a collection
agency. Understand that this looks really bad for you because future
lenders will see that the previous creditor just simply couldn’t get
money from you and gave up on you. While charge-offs are stubborn at
times to get removed, there are strategies in the way that you file a
charge-off dispute. At times you can also negotiate a settlement and use
the pay for delete strategy.
-
Custom disputes – There are times when 100% custom disputes
must be sent. Many credit repair companies use templates over and over. A
good credit repair company would never do that.
-
Statue of Limitation– You’ll want your company to be
proficient in performing statute of limitation research. Collection
accounts should never be disputed without knowing what the statute
limitations are.
-
Help with rebuilding your credit –Not all credit
repair companies offer with rebuilding your credit but the good ones do. Sky Blue Credit,
for example, offers this service at no additional charge. They will
also help with debt settlement negotiation consultations if needed.
We Thank You For Your Trust
Our reviews of the best credit repair companies are 100% real and are backed and verified by
real actual results that we have received by paying for and using these companies firsthand.
We are a New Jersey-based company and have also reviewed the best credit repair companies
in NJ.
Learn more about our founder, our story, and our overall mission as a company.
Thank you for visiting and trusting our site.
We’re glad you’re here!
And we hope we can truly help you to make an educated choice with repairing your credit and
improving your financial future.