Best Credit Repair Companies – Reviews and Actual Results
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 one’s are the best. Each service that we feature, we have actually used first-hand by someone in our company or by someone we know and the results have been documented. If you sign up with one of these services through our site we may earn a commission (but not on all). It is important that we are ethical, upfront and transparent and that you can trust our reviews to help you make the right decision about which credit repair company to choose!
A Case Study
How The Credit People Helped one of our Colleagues
Another Real Case Study
How they helped us
What they did for us
Criteria of How We Rank the Best Credit Repair Companies
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 items on your credit report.
You have the right to double check any information at all, that you feel is inaccurate, that 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 insure 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 it 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 the 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. 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. You would simply need 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.
Choice 2: Hire a credit restoration service. 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.
Navigating Our Credit Repair Resources
See a list list of all credit repair companies in order from best to well, not so good.
See our resources where you can get credit repair help. Here you will find answers to your credit repair related questions.
Before you get started, you may want to run through our thorough our 10 Step credit repair guide so you can get primed on what to expect when going through a restoration program.
Visit our blog for more answers to everything credit repair.
Learn more about us as a company.
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Here are our top picks for the best credit repair services
Our #1 choice is Sky Blue Credit Repair. See our complete review. Also, see actual Sky Blue Credit – Credit bureau deletion letters.
Do you live in NJ? So do we! Here is our section for credit repair in NJ. Find companies in NJ with full reviews.