Top 7 Credit Restoration Services of 2022

Errors on your credit report are more common than you may realize. Although it’s possible to remove inaccurate information from your credit report by yourself, it’s often a daunting task that can be time-consuming and frustrating.

The best credit repair companies can help by using a proven process for challenging inaccuracies on your credit report and disputing negative items that are hurting your credit score. Credit repair services work directly with your creditors and the credit bureaus on your behalf, making the credit repair process as painless as possible.

But with so many credit repair companies to choose from, picking the right credit repair company can feel like an overwhelming task. To help you find out which credit repair company is right for you, we’ve reviewed 6 of the most popular credit fixing services. We evaluated each agency on a variety of factors including user reviews, price, features, guarantee, and reputation.

If you’re ready to fix your credit score and get your finances back on track, here are our picks for the top credit repair companies of 2022.

Top 6 Best Credit Repair Companies of 2022

• Credit Saint: Best credit repair company overall
• Lexington Law: Most experienced credit law firm
• CreditRepair.com: Best for free credit score analysis
• Sky Blue Credit: Best value
• The Credit Pros: Best for unlimited disputes and credit monitoring
• The Credit People: The best guarantee

#1. Credit Saint: Most Aggressive Credit Repair Company

Credit Saint is our pick for the best credit repair company in 2022. Although Credit Saint is based in NJ, this company offers credit repair services throughout the U.S. and has been in the business since 2004. Credit Saint has an A rating at the Better Business Bureau and has been consistently ranked as one of the top credit repair services by numerous review sites.

Credit Saint can help dispute and challenge a variety of different items on your credit report including collections, charge-offs, repossessions, late payments, bankruptcies, liens, foreclosures, judgments, and hard inquiries.

How It Works

Credit Saint starts off with a free consultation, where one of their credit experts will help you recover your credit file. They will work with you to identify harmful or inaccurate items that are impacting your credit score.

Credit Saint will then dispute the negative items with the 3 major credit reporting agencies, as well as your creditors. During this period, Credit Saint will also help you implement a plan for building the necessary credit to boost your credit score.

As harmful items are removed from your credit file, Credit Saint will update your online dashboard so that you can see the progress in real-time.

Credit Saint offers an effective, reliable credit repair system that has helped thousands of customers improve their credit scores. By disputing inaccuracies and teaching you about healthy credit repair techniques, you can increase your score quickly and effectively.

Plan Options

Credit Saint offers three membership tiers with varying benefits and services.

First, the Credit Polish package includes:

• Challenges to the three major credit bureaus
• Access to a score tracker
• A professional score analysis
• Creditor interventions

This package is $79.99 per month with a $99 initial work fee.

Meanwhile, the Credit Remodel package includes all of the above services and inquiry targeting. This package is $99.99 monthly with a $99 initial work fee.

Finally, the Clean Slate package features all of the above with unlimited credit bureau challenges. This package costs $119.99 per month on top of a $195 initial work fee.

What We Like Most

Credit Saint goes above and beyond other credit repair companies to deliver an effective experience for customers.

Free Consultation – Credit Saint offers all potential clients a free consultation with one of their credit repair experts. They will help you recover your credit file, go over specific details of your credit history, and identify negative items that are hurting your credit score. This consultation is completely free and doesn’t come with any obligation, unless you hire them to move forward with the credit repair process.

90-Day Money Back Guarantee – Credit Saint provides a 90-day money-back guarantee for all customers. If you become a Credit Saint customer and the company fails to remove any questionable items from your credit report within 90 days, you can receive a full refund.

Online Dashboard to Track Progress – Your Credit Saint membership also gives you access to a private dashboard where you can track your credit score and see changes to your report in real-time. This dashboard gives you a convenient location to stay up to date on your credit.

Outstanding Reputation – Credit Saint has one of the best reputations in the credit repair industry. They have an A rating with the Better Business Bureau and are consistently ranked as one of the top credit repair companies across the internet.

Altogether, Credit Saint is an excellent credit repair company offering the comprehensive tools and services you need to get your credit back on track.

• Credit disputes with all 3 credit bureaus (Experian, Equifax, and TransUnion)
  
• Reasonable setup fee
  
• Many positive credit repair reviews from past clients
  
• Three different package options to choose from
  
• Each credit repair plan comes with a credit score tracker
  
• Free credit evaluation with a personal case advisor
  
• Excellent customer service
  
• 90-day satisfaction guarantee
  

Click Here to Learn More About Credit Saint

#2. Lexington Law: Top Rated Credit Repair Service with Years of Experience

Lexington Law is a popular credit repair company that has been helping consumers improve their credit since 2004. Since its inception, the company has helped remove over 77 million inaccuracies from credit reports, assisting 450,000 clients in the past five years.

How It Works

Lexington Law follows a three-step process to help you improve your credit score:

Setup & Discovery: The company will create your account and analyze your credit closely to find items that could be hurting your credit score unnecessarily.

Challenge & Dispute: Next, Lexington Law will contact the credit bureaus and your creditors asking them to provide evidence of the questionable items in your credit history. If they cannot confirm these items, they must eliminate them.

Manage & Monitor: Then, the company will continue monitoring your credit and addressing new inaccuracies as they arise.

Plan Options

Lexington Law offers three service packages.

The first package is Concord Standard, which features:

• Bureau challenges and disputes
• Inquiry assist
• Creditor interventions
• DebtHandler services
• ID theft insurance

Next, the Concord Premier tier includes all of the above, along with report watch alerts.

Finally, Premier Plus includes all of the above and:

• TransUnion FICO credit socre
• Lost wallet protection
• Personal finance tools
• Junk mail reducer

Lexington Law also offers several “Focus Tracks,” including the following:

• Medical bills
• National emergency
• Divorce
• Identity theft
• Student loans
• Military service

If you believe that your credit report inaccuracies fall into any of these specific categories, you can choose that track to receive more tailored assistance from Lexington Law. Selecting a focus track can also allow you to receive guidance and advice to maximize your lender accommodations based on these topics.

What We Like Most

If you’re new to the credit repair business, you may not know where to begin in improving your credit. Thankfully, the Lexington Law webpage includes a “Credit Help” tab with numerous resources about fixing credit, negative items, understanding credit, and the credit industry.

The Lexington Law site also includes a loan calculator that can help you understand how a low credit score is affecting your finances. This calculator can show you the estimated mortgage loan costs when your credit score falls in the fair or very good credit range.

You can also receive a free consultation, credit score check, credit report summary, and credit repair recommendation when you sign up for Lexington Law. This service can help you determine whether Lexington Law’s services are necessary to repair your credit.

Overall, Lexington Law is a reputable credit repair service with plenty of experience to support its claims.

• Credit repair app available for Android and iOS
  
• Identity theft insurance included in all three plans
  
• Law firm consists of attorneys and paralegals with expertise in credit restoration
  
• Personal finance tools included with the Premier Plan
  
• Free credit report evaluation
  
• Three different package options to choose from
  

Click Here to Visit the Lexington Law Website

#3. CreditRepair.com: Fast Credit Repair Company with Free Credit Score Analysis

CreditRepair.com is a popular credit repair company. This company has successfully removed over 8.2 million items from credit reports since its launch in 2012. In addition, it sent over 800,000 interventions in 2021 alone, showcasing its dedication to its members’ success.

How It Works

CreditRepair.com can help improve your credit score by challenging negative items and inaccuracies on your report, and inviting credit bureaus to verify these items.

Initially, the company will follow a three-step sign-up process:

1. Help you create your account and verify your identity.
2. Conduct a free consultation and break down the negative items on your report
3. Recommend the best credit service level for your financial situation.

Then, CreditRepair.com will follow these steps:

1. Analyze your negative items more closely.
2. Challenge and dispute questionable items with the three credit bureaus.
3. Monitor your credit continually and address issues as they occur.

Plan Options

CreditRepair.com offers three membership tiers: Basic, Moderate, and Aggressive. These tiers have varying monthly fees.

The Basic tier is the most affordable and is best for consumers with only a few items to dispute. The Moderate tier is suitable for consumers with several negative items, and the Aggressive tier is best for people with many negative items.

When you initially sign up for CreditRepair.com, the company can help you choose the right membership tier based on your credit report. Many members see a 40-point average increase in their credit scores after six months of CreditRepair.com’s services.

What We Like Most

CreditRepair.com offers a free online consultation before you begin paying for its services. This consultation includes a credit score check, negative item summary, and recommended credit solution.

Additionally, anyone can reference CreditRepair.com’s credit education resources. Through the CreditRepair.com website, you can learn more about:

• How to understand a credit report
• Why credit is important
• The Fair Credit Reporting Act
• How to check your credit score

You can also use a savings calculator on the CreditRepair.com website to calculate how much you could save once you meet your credit goals. You can view your estimated interest rates, monthly payments, and 30-year savings for various loan options based on your credit score.

Altogether, CreditRepair.com is one of the top credit repair companies in the industry.

Click Here to Learn More About CreditRepair.com

#4. Sky Blue Credit: Best Value

Sky Blue Credit is an affordable credit repair company that has been helping clients improve their credit scores since 1989. The company’s impressive industry reputation and cost-effective packages make it the best credit repair company for consumers on a budget.

How It Works

Sky Blue Credit Repair uses an effective process to repair credit for consumers. The company uses these steps during its reputable credit repair services:

Enrollment: Once you create your account with Sky Blue Credit, the company will send you free credit reports that you can review to learn your exact credit situation.

Review and Setup: Sky Blue Credit will review credit reports line by line and track any issues. Then, it will provide a list of items it believes it could challenge on your behalf. The company will also give you practical tips to help you rebuild your credit.

The Dispute Process: Sky Blue Credit will send challenge letters to the credit bureaus asking them to verify the questionable items on your credit reports. If the credit bureaus do not initially correct these items, the company will automatically sned follow-up letters to the three credit bureaus.

Enjoy Your Membership: You can continue benefiting from your Sky Blue Credit Repair membership even after the initial dispute. You can track your progress on the Sky Blue Credit website, view your credit monitoring reports, and ask the team for assistance when you need it.

Plan Options

Sky Blue Credit has one membership tier at an affordable price. The company’s membership follows this pricing structure:

• Initial sign-up fee: $0
• Review/ setup fee (due six days from enrolment): $79
• Monthly fee (due one month from enrollment): $79

These prices are more affordable than even the cheapest credit repair packages among other credit repair agencies. Additionally, you can pause or cancel your service at any time with no penalties.

If you and a spouse or family member are both looking to repair your credit, you can add an additional member to your service package for a $40 monthly fee.

What We Like Most

Sky Blue Credit works hard to go above and beyond most credit repair companies in the industry. First, this company uses a smarter dispute process than many companies. It identifies and challenges even the most subtle disputes, increasing your chances of boosting your score.

This company also works faster than most credit repair companies. The company has an average dispute cycle of just 35 days, which is ten days faster than the average credit repair company.

Finally, the company’s low monthly fee makes it accessible for consumers who may not have much expendable income. This affordable credit repair package includes all the services you need to boost your credit.

Sky Blue Credit also provides a 90-day money-back guarantee to help you feel confident in your membership. The company will happily refund your membership costs if you request it within the first 90 days of your enrollment.

Altogether, Sky Blue Credit is an affordable, reputable credit repair company.

Click Here to Learn More About Sky Blue Credit

#5. The Credit Pros: Reputable Credit Repair Agency with Credit Monitoring Included

The Credit Pros is a credit repair company that offers a unique approach to boosting credit scores. This company has been around since 2009 and has helped over 100,000 consumers improve their credit since then.

How It Works

The Credit Pros offers traditional credit repair services along with a unique AI-driven personal credit monitoring system. Both of these solutions can help you increase your credit score and gain new financial opportunities.

When you sign up with this company, it will analyze your credit reports from the three major credit bureaus and note any potential inaccuracies or discrepancies. It will then send unlimited dispute letters to the credit bureaus until it has rectified the issues on your report.

However, this company offers other services to help your credit get back on track. The Credit Pros will:

• Send cease and desist letters to debt collection agencies
• Provide a one-on-one action plan
• Send goodwill letters to creditors
• Provide ID theft restoration and insurance

As a member of The Credit Pros, you’ll also gain access to an AI-driven personal credit monitoring system. This system allows you to view your credit scores in real-time, analyze any changes to your credit reports, use credit builder tools, and track your credit more intelligently.

Plan Options

The Credit Pros sells three credit repair packages.

First, the Money Management plan has a $69 monthly fee with a $119 first work fee. This plan includes:

• One credit bureau report
• Darkweb monitoring
• Real-time account sync
• TransUnion alerts
• Bill reminder
• Budgeting system

Next, the Prosperity plan costs $119 per month with a $119 first work fee. This package includes all of the above along with:

• Credit bureau challenges
• Creditor interventions
• A letter of reference
• Cease and desist letters

Finally, the Success Plus package costs $149 per month with a $149 first work fee. This plan includes all of the above and:

• A credit builder loan
• Three bureau reports and scores

What We Like Most

The Credit Pros provides a 90-day money-back guarantee that can help you feel confident purchasing a membership. You can receive a full refund within 90 days of your enrollment if the company cannot delete any questionable items from your credit reports. This guarantee also promises that:

• You can cancel your membership at any time
• Your private information will remain secure
• The Credit Pros will treat you courteously and professionally
• No one will guarantee a specific outcome
• The Credit Pros will respond to your requests promptly

Altogether, The Credit Pros is one of the best credit repair companies in the U.S.

Click Here to Learn More About The Credit Pros

#6. The Credit People: Best Guarantee

The Credit People has been a trusted credit repair company for over 20 years. This company has processed over 310,000 credit reports and helped numerous consumers across the U.S. increase their credit scores.

How It Works

The Credit People begins its services with a free credit consultation. This free consultation can help you understand how The Credit People can help you boost your credit.

Once you sign up with The Credit People, the company will obtain copies of your credit reports for you to view. It will examine these reports to identify discrepancies that may be unfairly lowering your score. Then, The Credit People will send dispute letters to the three major credit reporting agencies to attempt to remove these items.

You can review the company’s activity through your online account. When the credit repair agency successfully changes your credit report, you will receive email updates and real-time notices on your account dashboard.

Customers typically see credit score increases between 53 and 187 points after 60 days of membership with The Credit People. However, you can continue your membership as long as you need to reach your ideal credit score.

Plan Options

The Credit People offers two service packages: a monthly package and a flat-rate package.

The monthly package is a pay-as-you-go plan that costs $70 per month. Meanwhile, the flat-rate plan costs $419 and includes six months of service.

Both plans include unlimited credit issue challenges from the three credit bureaus. They also feature:

• A credit score analysis
• Monthly credit score updates
• Credit monitoring
• Creditor interventions

What We Like Most

The Credit People provides an impressive money-back guarantee. When you sign up with this credit repair company, you will never need to pay for anything you aren’t satisfied with.

If you choose the flat-rate plan, you will gain a six-month money-back guarantee. Meanwhile, when you become a monthly member, you can cancel at any time and not need to pay for that month of service.

The Credit People also has a high success rate within the credit repair industry. After working with customers, 81% gain approval for new credit, and 74% get approved for refinancing.

Altogether, The Credit People is a legitimate credit repair company with fair, straightforward pricing.

Click Here to Learn More About The Credit People

What is Credit Repair?

Credit repair is the process of increasing your credit score. This process involves two primary steps: Removing inaccuracies from your credit report and following positive financial practices to improve your score over time.

Your credit report consists of all of the financial activities that contribute to your credit score. These activities can include loan payments, credit card payments, hard credit checks, new credit accounts, and more.

Your credit score decreases when you make late payments or other mistakes in your financial activity. Bankruptcies, short sales, and foreclosures can also significantly reduce your score. However, credit bureaus sometimes place these negative items on your report by mistake, lowering your credit score for no reason.

The Fair Credit Reporting Act helps ensure the accuracy and privacy of consumer credit bureau files. More specifically, this act allows consumers to dispute information on their credit reports that they believe is inaccurate. Disputing these inaccuracies can sometimes convince the credit bureaus to remove them altogether, instantly raising your credit score.

However, if your credit report is already accurate, you can take other measures to repair your credit. For example, you can:

• Avoid making late payments
• Pay off any debts or loans
• Lower your credit utilization ratio

Working with a credit repair service can help you effectively dispute inaccuracies on your credit report and identify ways to raise your credit, allowing you to improve your credit score quickly.

How Do Credit Repair Companies Work?

Credit repair companies must follow specific processes in their credit restoration services to remain compliant with the Consumer Financial Protection Bureau and adequately repair customers’ credit. Here are the steps most credit score repair companies follow:

Free Consultation

Many credit repair companies begin their services with a free consultation. During this consultation, a company will provide a free credit score analysis and obtain free credit reports for you to view. This free consultation can help you understand the exact processes a credit repair company will use to improve your credit.

According to the Credit Repair Organizations Act, credit repair companies legally cannot charge you until they have completed their stated services. As a result, these initial consultations must be free.

Ask For Limited Power of Attorney

Once you begin a membership with a credit repair service, it will ask you to provide limited power of attorney. This process is necessary to allow a credit repair company to contact the credit reporting agencies on your behalf.

Limited power of attorney only allows credit repair companies to act in specific situations. As a result, you can feel confident that reputable credit repair companies will only use this authorization in relation to your credit repair activities.

Send Dispute Letters to the 3 Major Bureaus, Challenging Negative Items

The main way credit improvement services help repair your credit is by disputing inaccuracies on your credit reports. These companies will analyze your credit report and note any suspicious or glaringly inaccurate items. They will then discuss them with you to understand whether you believe they are accurate.

Credit reporting agencies must be able to verify every item in a consumer’s credit history. As a result, if a credit reporting agency does not have evidence of the negative item on your report, it will need to delete that item.

The best credit repair companies send several letters to the credit bureaus detailing these inaccuracies and requesting the bureaus verify suspicious items. If the creditors do not immediately resolve these issues, many credit repair services will automatically send follow-up letters.

Monitor Progress via Credit Repair App or Dashboard

After a credit repair agency has disputed inaccurate items on your credit report, it will continue monitoring your credit history until you end your service. You can also take advantage of credit monitoring tools on your company’s website or undergo credit counseling with an agent.

Credit monitoring tools can give you a clear, easy way to view your credit report and track changes to your credit score. You can see exactly what actions increase and lower your score, allowing you to understand the activities that impact credit.

How We Ranked The Best Credit Repair Services

Credit repair companies don’t have the best reputation in the consumer market. Some of these companies use unlawful business practices and effectively scam consumers out of their money. As a result, if you’re considering working with a credit repair agency, you should do your due diligence to ensure that it is trustworthy, reputable, and legitimate.

When we developed this list of the best credit repair companies, we ensured that each company excels in the following essential areas.

Company Reputation and Reviews

Examining a credit repair company’s reputation is essential before beginning a membership. If other customers have had poor experiences with a company, you can assume your experience will be negative as well. In contrast, positive reviews indicate that you will receive legitimate assistance.

When we developed this list of the top credit repair services, we read numerous credit repair reviews from consumers and financial experts. We found that the six organizations on our list have positive reviews overall, and most customers are satisfied with their services.

Additionally, all of the companies on our list have been in the credit repair industry for at least several years, and many for over 20 years. This industry experience has allowed these companies to develop positive reputations overall.

Number of Credit Disputes Per Billing Cycle

The best credit repair services perform enough credit disputes to wipe away all inaccuracies on your credit reports. Meanwhile, the least effective companies only provide one or two disputes each month,

Many of the best credit repair services offer unlimited disputes through their highest membership tiers. However, all the companies above provide ample disputes to raise your credit score quickly.

Costs and Fees

Many people struggling with their credit are also in the midst of financial hardships. As a result, not everyone requiring credit repair services has the expendable income to pay for these services. Meanwhile, others are willing to pay whatever it takes to receive effective credit repair through these companies.

When we developed this list of the best credit repair companies, we included options with varying monthly fees and first work fees. The most affordable companies charge monthly fees under $90, while some companies offer more aggressive credit repair services for upwards of $150 per month.

Additional Services Offered

The best credit repair companies don’t simply dispute inaccuracies on your credit report and call it a day. Instead, they also provide other services to help get your credit back on track.

All of the companies on our list offer additional services that can boost your credit. For example, many of the companies above provide credit monitoring with every membership. Credit monitoring can help you stay on top of your credit score and remain aware of any changes as they occur.

Several credit repair options on our list also offer personal finance tools and credit counseling to help your credit stay in a good range.

Service Guarantee

Many credit repair companies offer a 90-day money-back guarantee. This money-back guarantee can allow you to get a full refund within 90 days of your enrollment.

When we created our list of good credit repair companies, we included several that offer this money-back guarantee. Choosing one of these companies can allow you to try credit repair before making a monetary commitment.

How to Choose a Good Credit Repair Company

All of the legitimate credit repair companies on our list offer effective, reliable services to increase your credit score. However, if you decide to choose a company outside this list, you should know how to distinguish the high-quality companies from the credit repair scams.

Here are a few tips to help you choose the right credit repair company.

Check for CROA (Credit Repair Organizations Act) Compliance

The Credit Repair Organizations Act from the Federal Trade Commission prohibits credit repair companies from making misleading claims.

This act also bars credit repair companies from demanding payment before providing any services. Finally, consumers must have cancellation rights when working with credit repair specialists.

Meeting these requirements is the bare minimum qualification for a credit repair company to operate in the U.S. As a result, checking for a company’s compliance with the CROA can help you narrow your options.

Read Better Business Bureau Rating and Reviews

The Better Business Bureau evaluates companies and organizations throughout the U.S. An A+ Better Business Bureau rating indicates that a company has a positive reputation amongst consumers and uses reliable business practices. Meanwhile, an F rating shows that you should steer clear of the company.

You can check a company’s Better Business Bureau rating on the BBB website. You can also read customer complaints through the BBB. If a credit restoration company you’re considering has many complaints on the BBB, you may want to look for a different option.

You can also look for complaints about a company on the Consumer Financial Protection Bureau. The Consumer Financial Protection Bureau is a government agency responsible for regulating consumer protection in the financial sector.

Compare Costs

You’ll probably need to work with a credit repair service for at least three months to see the best results through its services. As a result, you should choose a company with fees you can afford.

Most credit repair agencies charge a monthly fee and a setup or first-work fee. The monthly fee will remain the same each month and can be anywhere from $50 to $150. Typically, the first-work fee is the same as the monthly fee.

We recommend comparing the total cost you will pay for several credit repair agencies before choosing one. You can assume you will work with a company for a minimum of three months, so multiply the monthly fee by three, then add the first-work fee.

Satisfaction Guarantee

We also recommend working with a credit repair company that offers a money-back guarantee. For example, many of the credit repair companies on our list provide a 90-day money-back guarantee. This offer gives you plenty of time to try a company’s services and determine whether they’re helpful for you.

Choosing a company with a 90-day money-back guarantee can help you avoid wasting money on a credit repair scam.

Additional Features

In addition to credit repair, some companies offer features such as credit monitoring, budgeting software, etc. If any of these services would benefit you, you may receive more value by choosing a company that offers them.

Things You Should Know Before Hiring a Credit Repair Company

Understanding the credit repair process and how these companies boost your credit can help you maintain realistic expectations during your services. Additionally, knowing what to expect can help you avoid credit repair scams, which are rampant in the credit repair industry.

Here’s what you should know before working with credit repair firms.

Credit Repair Takes Time

First, increasing your credit score can be a slow-going process — even with the assistance of the best credit repair company. Sometimes, credit reporting agencies take several weeks to respond to disputes. Additionally, your creditors may take a while to acknowledge your request for debt validation letters.

Overall, you should understand that even the best credit repair options take time. Make sure to allocate several months to credit repair before determining a company’s value and effectiveness.

Not All Negative Information Can Be Removed

Next, remember that not every negative item on your credit reports can be removed. Realistically, only credit reporting errors have the potential for removal. The majority of the items on your report are supposed to be there, and you’ll need to wait the designated amount of time before they stop impacting your credit.

Most Companies Have Setup Fees

When you sign up for a credit repair service, you may be surprised to find that you owe a setup fee on top of your monthly fee. However, this setup fee is customary.

Even legitimate credit repair services charge these setup fees as part of their overall pricing structures. However, if you’re trying to save money, you can search for a company with a low setup fee or a flat-rate charge.

Credit Repair Companies Can’t Charge You in Advance for Services

Credit repair companies cannot legally charge you before providing their stated services. As a result, many companies delay their charges until six days after you enroll in their services. Others offer a free consultation or credit report analysis before they begin charging you.

If a credit repair company requests payment before providing any services, it probably isn’t trustworthy.

Legitimate Credit Repair Companies Should Include a Copy of Consumer Credit File Rights

Understanding your rights under the Consumer Financial Protection Bureau and the Credit Repair Organizations Act can help you avoid scams. That’s why the best credit repair service options give you a copy of your consumer credit file rights upon signing up for their services. You can compare the company’s services to these rights throughout your membership.

Frequently Asked Questions

What Is The Most Aggressive Credit Repair Company?

If you’re looking to raise your credit score by over 100 points, you need the assistance of a hardworking, reliable credit repair company. The best credit repair agency that uses aggressive tactics is Credit Saint. This company goes above and beyond to provide effective credit repair for customers.

How Long Does It Take To Repair Your Credit?

Your credit repair process can take anywhere from 30 days to six months. The amount of time the process will take depends on several factors, such as:

• Your credit history
• The number of credit reporting errors on your report
• The other services the company provides, such as requesting debt validation letters
• Your existing credit score

If you’re trying to boost a poor credit score to a good credit score, the process will take several months. However, if you simply want to raise a good credit score by a few points, you may reach your goal in 30 days.

We recommend dedicating at least a few months to the credit repair process. However, if you haven’t seen any changes to your credit after six months of membership, you may want to cut your losses and end your membership before wasting any more money.

What Is The Average Cost of Credit Repair?

You can attempt to repair your credit for free by sending letters to the creditors yourself and requesting debt validation letters. However, if you don’t know what you’re doing, your efforts may not be very successful.

As a result, if you’re serious about improving your credit, you can gain more effective results from hiring one of the credit repair options above. These services can cost anywhere from $19 to $150 per month. Typically, the more expensive a credit repair package is, the more assistance it will include.

Can Credit Clean Up Companies Guarantee Results?

Credit repair companies legally cannot guarantee that you will receive any specific results from their services. If a company promises to increase your score by a certain number of points, it’s probably a scam.

However, guaranteeing results is different from providing a money-back guarantee. Many of the best credit repair company options offer a 90-day money-back guarantee. This 90-day money-back guarantee simply allows you to request a refund if you’re dissatisfied.

Can Credit Restoration Help With Identity Theft?

When a scammer steals your identity and runs rampant with your credit cards, your credit score can decrease quickly. Sometimes, proving to creditors that you were not responsible for the late payments or debts a scammer racked up on your account can be challenging. However, the best credit repair companies can help you resolve this issue.

Some credit repair companies can help you report the fraud to the government. You’ll need to obtain this official report for the bureaus to remove your incorrect items from your credit reports.

Next, these companies can help you challenge any negative items on your credit report resulting from the identity theft.

Then, the best credit repair companies will provide credit monitoring to keep you privy to any future instances of identity theft. You’ll know immediately when your credit score changes unexpectedly.

Can a Credit Repair Specialist Remove Hard Inquiries?

When you apply for a loan or credit card, the lender will perform a “hard credit check” to review your credit history and score. This credit check will lower your credit score by a few points.

A credit repair company can only remove these inquiries if they are fraudulent. Thankfully, they won’t impact your credit too dramatically. You can also avoid receiving too many hard inquiries by limiting your new credit applications.

Is Hiring A Credit Repair Company Really Worth It?

Hiring one of the best credit repair companies on our list can produce excellent results for your credit and your financial opportunities. If you’re looking to increase your credit as quickly as possible to gain new financial opportunities, these services could be worthwhile.

Additionally, if your credit is in the “poor” range, working with a credit repair company could be necessary to get you out of this range and into a better one. Finally, working with a credit repair company can be helpful if you know your credit report contains inaccuracies.

Otherwise, you may be better off improving your credit yourself. The best credit repair companies do cost money, and you want to make sure their services are worth the cost.