A legitimate credit repair service will analyze your credit report and identify any errors. They will then send dispute letters to the credit bureaus and the creditors that provided the information.
They can also help you negotiate with your creditors to remove negative information from your report. However, they cannot guarantee your score will improve.
The Credit People
With a focus on helping clients improve their credit report repair services and scores, The Credit People works with the three credit bureaus to identify errors and negotiate them for deletion. The company also helps clients to escalate disputes when their initial requests aren’t successful.
The service includes a free trial that lets clients try the company for seven days. After that, they can pay a monthly fee or choose to pay a flat rate. Both options come with a satisfaction guarantee.
The Credit People’s team of experts focuses on disputing errors with the credit bureaus, and the company says it has helped remove more than one million items for its clients. It also offers a variety of educational materials and articles to help clients improve their credit. The company also provides clients with a clear pricing structure that doesn’t include any hidden fees or charges for accessing their credit reports or scores. It can, however, be difficult to work with when dealing with more complicated issues such as foreclosures and bankruptcies.
The Credit Pros
This credit repair company offers a free consultation and several package options. The company’s experts help clients dispute questionable information on their credit reports. It also offers financial planning tools, identity theft monitoring, and debt management services. It also provides a mobile app that allows customers to stay in contact with their credit counselors.
Its entry-level plan is fairly pricey, but it includes unlimited credit report disputes. It also helps consumers improve their credit scores by helping them pay bills on time and lowering their credit utilization. It also sends debt validation letters to creditors and collection agencies on behalf of its clients.
The company offers a free consultation and an easy-to-navigate website. Clients can track the progress of their repair on their dashboard, which displays the number of erroneous items removed from their credit report and how many different agencies have disputed them. It also features educational blogs that address a variety of topics, including credit score improvement and identity protection.
Sky Blue Credit Repair
Since 1989, Sky Blue Credit Repair has provided clients with quick, legal, and affordable credit repair services. Their team of credit specialists works to remove erroneous items from credit reports, such as late payments, charge-offs, liens, judgments, repossessions, identity theft, and foreclosures. They also offer mortgage lender assistance and can send cease and desist letters to creditors.
After completing a simple online signup process, customers can track their progress on a user-friendly portal and communicate with company professionals. They can also pause their service and choose their billing date at any time.
Unlike most competitors, Sky Blue does not charge upfront fees for their services and offers a 90-day money back guarantee. Additionally, they have a 35-day dispute cycle, which is 10 days faster than the average for their competition. This faster cycle can save clients on monthly service costs. It also means that results are seen much sooner than with other agencies.
Credit Saint is a credit repair company that provides an aggressive approach to disputing inaccurate items on your credit report. Its service includes a free credit evaluation, an online account page with three different features, and a 90-day warranty.
The company uses custom disputes to challenge information reported to the credit bureaus, creditors, and lenders. It also advises clients on steps they can take to improve their credit score, such as paying bills on time and reducing debt utilization.
The company is based in the United States and has been in business since 2004. It is one of the top-rated services in the industry and offers a 90-day money-back guarantee. Its website provides clear and detailed information about its services, terms of service, credit laws, pricing, and other important details. Its client base is largely comprised of consumers looking to improve their credit scores. Many of them are facing challenges due to errors or identity theft.