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Best Credit Repair Companies: The People Decide

“What are the best credit repair companies? Let the people decide. Read more now!”

The Best Credit Repair Companies

Credit Repair Companies

Anyone with a low credit score can tell you that bad credit is no fun. It’s expensive, it’s embarrassing, and it can stand in the way of achieving your goals. Fortunately, it is possible to legally and permanently fix your credit with credit repair.

Hundreds of thousands of people have been able to improve their credit scores. By removing bad credit, adding good credit, and better managing their credit profile, people have been able to increase their credit scores from 500s and 600s all the way to 700s and even 800s.

If you have had difficulty getting reasonable loans in the past, raising your credit score through credit repair can help you qualify for lower interest payments. These lower payments can help you purchase a new car or even get into a new home.

Even if your credit score is good enough to get a loan, improving it by just a few more points can save you thousands. Using credit repair to increase your credit score from 680 to 720 can save you a hundred dollars or more per month on your mortgage payment; a savings of tens or even hundreds of thousands of dollars over the course of your loan.

You can clean your credit yourself or you can get help from a credit repair expert. This is a top five list of the best credit repair companies out there.

1. Lexington Law
I have only been with Lexington since September, 2009, already I have seen positive results. I am kept aware of all that is going on with my case, they are so helpful in answering questions. I feel very confident in Lexington Law Firm, they are very good in keeping in contact, and walking with you every step of the way. I am already seeing results. They are very professional, my experience with them has been very gratifying. I am very happy with this firm, and feel very positive in a good outcome.

2. Sky Blue Credit Repair Services
Sky Blue Credit, one of the more seasoned members of the credit repair community, has been in operation since 1989. Once a south-east regional operation with a significant following, Sky Blue now offers its powerful credit repair program nationally. Completely dedicated to producing the optimal result for each customer they utilize an impressive array of tools gathered over almost two decades of operation.

The hands-on approach utilized by Sky Blue insures that each customer gets the personal attention that makes it possible to produce truly dramatic results. Sky Blue provides their complete range of services for a single low monthly fee without requiring any upgrades or costly program options.

3. CreditRepair.com
When I signed up for CreditRepair.com, I was a little skeptical. I’d heard bad things about credit repair scams and I didn’t want to be a victim. But I needed help. It only took a few weeks before I got my first notice of positive results. I know the process might not work that fast for everyone, but I was thrilled. The funny thing is, I had been sitting in church when I got the alert via text message and I just about stood up and shouted! I’ve found the people at CreditRepair.com to be really helpful and empathetic. It’s the one company that doesn’t treat me like a second-class citizen because of my poor credit history.

4. CreditFirm.net
We (my wife and I) were looking for a trustworthy credit repair company. Along with the reasonable price, credit Repair Company had to be registered with BBB. We found CreditFirm.net website and were pleased to find out Credit Firm is registered with Better Business Bureau (you can see the link on their website) and offers VERY reasonable price for the service. We signed up: 90 days later my score is 695 and my wife’s credit score is 708.

5. Ovation Credit
This is a very nice company, highly focused on your account and getting results. They are careful and diligent and will not set off alarms with the credit reporting agencies. Ovation Law will not rush in, instead they take a strategic course of action to clean up your credit reports. There is no such thing as a quick fix for damaged credit, only careful and concise action over time will work. Ovation Law will clearly explain the process, time frame and expected results up front for you. I recommend this firm for your credit repair needs. More at Best Credit Repair Companies

You can also watch this video for more review on Credit Repair Companies:

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How Do You Repair Credit?

Lots Of People Ask, “How Do You Repair Credit?” The Secret Answer Is That There Are 5 Methods You Can Use.

How Do You Repair Credit Intro

How do you repair credit? Although the credit bureaus would like to have you think otherwise, there is absolutely nothing illegal about disputing items on your credit report. In fact, it is your explicit right by law to do so under the Fair Credit Reporting Act.

What is illegal is stating something that is false, such as “It’s not my account,” if it actually is your account.

How Do You Repair Credit–The 5 Methods

There are five main methods, all of which are completely legal, that you can choose from to repair your credit.  Some are much better than others and some are much faster too.

1. Time.  By law some negative credit accounts are allowed to show on your credit report for up to 7 years and others are allowed to show for up to 10 years.  The important point is not that they have to be reported for that long, but that they can’t be reported for longer than that length of time.  So, if you’re not in a rush, and you don’t want to put in any effort or money whatsoever, then you can just wait a few years.

2. Following the credit bureaus’ instructions.  Another method is to go to each of the credit bureaus directly.  You can challenge your negative accounts that they are showing on your report and see if they’ll remove this hurtful information.  The problem is knowing what to say and how to say it, so that you aren’t guilty of fraud, and that you get the response you’re looking for.

3. Do it yourself credit repair.  There are many courses, manuals, programs, etc. that can show you how to repair credit yourself.  The quality and price varies, but usually for well under $100 you can learn how to repair credit yourself.  One drawback is that there’s a good bit to learn, terminology to understand, letters to write and paperwork to deal with.  Another problem is that you have to stick with it.  Each month you’ll have to write more letters and deal with more paperwork until you’ve gotten the results you want.  Are you dedicated enough to follow through for three months up to as much as a year?

4. Credit restoration software.  A different version of do it yourself credit repair, but with a software program that helps to produce the letters you’ll need.  You’ll still have to learn more about credit repair than you probably want to know and you’ll still have to have the self discipline to follow through each month, but its usually easier than plain do it yourself courses and they also run for $100 or less.

5. Credit repair companies.  The bad here is that it’s the most expensive option, about $50 per month.  The good part is that they do the work for you and they keep doing it each month until your negative items on your reports are gone.  You won’t have to learn all the details about how to fix your credit and you won’t have to figure out how to write the letters.  And you won’t have to be self disciplined enough to follow through each month with whatever tasks remain.

How Do You Repair Credit Conclusion

So, how do you repair credit?  From personal experience and observations of others, credit repair companies are the best choice for most people.

Many won’t be able to force themselves to read a manual, with or without the help of a software program, to learn how to properly and legally repair their credit.  Of those that do, most won’t be able to make themselves do the various tasks needed each month to keep the process going until they get the results they want.

When you consider that most all credit repair courses tell you to send each letter via certified mail and that the credit repair companies send these letters for you if you hire them to do it, then they really aren’t that much more expensive, if at all.

If you are very focused and genuinely interested in the details, then the best choice would be one of the software programs.

Otherwise, the answer to “How do you repair credit?” is that if you can handle about $50 per month, the best choice is a good credit repair company.