Best Credit Repair Services
Anyone with a low credit score can tell you that bad credit sucks. Fortunately, it is possible to fix your credit with credit repair.
Thousands of people have been able to improve their credit score by repairing their credit reports. 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 repair your credit yourself or you can get help from a credit repair expert. This is a top ten list of the best credit repair companies out there. Don't agree with the list? Place your vote or if you are a logged in, add a new item for others to vote on.
“Lexington helped me raise my credit score 70 points in 60 days. This gave me the credit I needed to refinance my house to consolidate my debt, buy a new car at a good rate, and have more options to support my growing family. I love these guys.”
“The leader in the credit repair space and the law firm with the most experience. They let you choose which items on your credit report you want to dispute and dispute them for you with no questions asked.”
“Lexington Law is the largest credit repair law firm and the clear leader in the credit repair industry. They charge slightly more than some bargain credit repair companies but their results are well worth the cost. Lexington Law offers three service levels depending on your needs. The basic program includes disputing your credit reports with the credit bureaus, the next level also includes disputing bad credit directly with creditors, and the highest level includes things like credit report monitoring.”
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. The Sky Blue program includes expert credit bureau disputes, debt validation, and comprehensive counseling services. The Sky Blue program is ideal for anyone interested in real and lasting credit improvement. ”
“I am a Sky Blue customer right now. I have been in their program for 3 months. I just wanted to say that they have been really great to deal with from the start. They have removed more than a dozen derogatory issues from my credit. They also got me started on a rehabilitation program for my student loans which is turning out to be a life saver. Great customer service is hard to find these days, but these guys really have their act together! I recommend them very strongly.”
“I recommend Sky Blue Credit Repair highly. I was consistently impressed with them and the results have been far more than I anticipated. They stayed in touch with me during the course of the program. That made a big difference to me. The program really worked and the counseling they offered has been extremely helpful. My scores are over 700 now! Two thumbs up!”
“Did what they said they would and actually had customer support. I spent about $1,800.00 but, it 90 days I went from a 507 to a 647. This was good enough to get my mortgage. Money well spent in my opinion. I’ll go back to get them to help me to re-finance in a few years.
Good people.”
“Apex Credit Services, LLC is a fair and honest company. They almost scared me off when they said that getting to a 650 was the best I could do. However, when I was starting from a 510 I knew at least they were being honest. Can I buy the world on credit? No but, at least they did what they said. I suppose this is why they have a good reputation.
I would recommend them.”
“ACS, LLC is a good firm. I don’t know about other people but, I liked the fact that they were small and I could talk with the same guy everytime I called. They don’t blow you off and they do what they say.
Did they remove everything, nope. They told me that going in though. The did raise my scores by about 120 points and it cost me just at $1,000.00. They added a tradeline as well and it reported as they said it would. That is another thing, they know credit repair to the extent that they know it takes addition of positive credit as well as the removal of bad credit.
They are very knowledgable about the FCRA and FDCPA. They can answer questions and are professional. I doubt you get that at other big firms.”
“"Great Service, Fantastic interaction with clients"”
“Was happy with the results of their credit repair system, their customer service however was very weak. I called several times to get a better idea of what they were doing and what the next steps were and was brushed off repeatedly. Would probably recommend a different service to a friend.”
“I used Veracity for 6 months they increased my score more then 100 points.I’VE USED OTHER AGENCIES AND PAID TWICE AS MUCH.iT COST ME 400$ AND SAVED 2$20,000 IN INTEREST RATES”
5)
American Financial Credit Repair
“Thank you American Financial for all your great effort and support in helping me pump up my credit score. I now have been able to save over $400 simply by having my interest rates lowered. I don’t know how you guys did it. But I am so thankful that my friend refered me to your great company. I am eternally greatful! Life is now great, and it’s only gonna get better!”
“I cannot tell you how happy I am with the folks at American Credit Repair. I didn’t think it was possible to repair my credit. In other words it was Totaled! But over a short time they straightened it out and gave me my life back. I am so thankful to them. I tried other companies with very poor results. They always had excuses and ONE MORE THING to check. American credit is the most competent company Ive ever come across.”
“I’m the type of person who never follows through with things. I’m a procrastinator. Getting started was so easy and I didn’t have to pull my own report either. I am so glad that I hired American Finacial because they followed up with me, and made sure I did my part. I saw a huge change in my score. Soon I’m looking to refinance. I can’t thank you guys enough for all your wonderful advice and A+ Service! Again, thanks so much! You all are really making a difference in lives, especially in mine! ”
6)
Ovation Law
“Like most of the popular credit repair law firms, Ovation Law is a knockoff of Lexington Law but they do have some good credit repair features, even if their site is turning into an SEO mess. Distinguishes itself by providing la carte credit repair services.”
“Ovation Law may not be the oldest credit repair law firm, but they still work. Plus, they don’t make you choose between 2 or 3 credit repair packages. You get to mix and match the services you want. ”
“These guys were upfront with me about what to expect and sure enough, they delivered exactly what they said they would. I’ve recommended them to several friends.”
7)
Academy Law
“Another Lexington Law follower. Academy Law does not do anything unique but they are still capable of providing expert credit repair services.”
“My Credit Group has done a pretty good job for us. They get my vote”
“After hours or research and calling these various companies on the phone, I have found that My Credit Group is the most dedicated to educating their client and not just taking their money. For the money, they are your best bet.”
“The biggest benefit I got out of my credit group was the knowledge
I feel like I know so much more now. Give a man a fish and feed him for a day - teach him to fish and you feed him for life”
“I have used Trinity Credit Services. They pride themselves in customer satisfaction and any time you need anything they are very prompt in answering any questions. They increased my credit score almost 200 points in 6 months. Truly an invaluable experience and well worth they money. You truly get what you pay for. They did a great job for me. Highly recommendable.”
“Trinity is Registered and Bonded so everything they remove is guaranteed to be permanent, when I went through the services my mid score went from a 537 to 678 and I got a great interest rate on my home. They also have an online system so you can check what is being done on your reports at all times. ”
“I went through Trinity’s credit repair recently. They far exceeded my expectations since I started off in the upper 500’s and am over 700 on my credit score. Up front and honest company, and you don’t find that much these days.”
10)
dsiSolutions
“Inexpensive service although they do not appear to operate very professionally.”
“I’ve used DSI’s service, and have been nothing but happy with the results provided. They have been very professional, and were very reasonably priced for all of the work they are providing. If you ask me, some of the other companies are very over-priced, with nothing better to offer. I’m very happy with my experience with DSI.”
“Always professional and was satisfied with results.”
Choices Not In The Top Ten...
11) Credit Attorney
“Basically a Lexington Law clone but you can’t really fault a company for imitating the best.”
12) Good Life Credit
“The very best in credit correction services. I had mistakes on my credit report and was suffering because of someone else’s mistakes. Very happy and no longer financially stressed. Definitely recommend!”
“The big difference between this company and all others is the fact they are managed by consumer lawyers who use all their knowledge and skill to help their clients for a low monthly fee. I recommend them to everybody!”
13) PureCredit
“Good price, simple service, great results”
14) Credit Saint
“Excellent customer service!”
“I truly enjoyed working with Credit Saint, when they fixed my credit. They were very attentive and committed to dealing with my account. I called often with questions or concerns and they were always happy and willing to help.
When I was looking at some different sites to explore credit repair companies I found Credit Saint was a very user friendly site. You can make appointments to speak with representatives or even request to speak live with one.
I would highly recommend Credit Saint to anyone who wants fast, personalized, and committed service.”
“Credit Saint is a company that strives to separate itself from the competition. You can always get a human on the phone but no receptionists, everyone there is a credit specialist who can help you with whatever you need. No getting sent to voice mail or bounced around from department to department.
As far as costs, they are not the cheapest credit repair firm out there but you do get what you pay for and they are very easy to deal with if you need to move a payment back a few weeks or can’t afford to pay your inital fee upfront.
Credit Saint is all about speed speed speed. Some Credit Repair companies limit the number of disputes they will send out per month to drag out the time it takes to get your credit fixed, Credit Saint disputes everything on your report the first day. And then gives you progress reports each month to keep you informed of the status of your repair.
They also offer nice options, like once your credit repair is complete, they will refer you to a mortgage lender who will credit you back every dollar you paid them for credit repair.
I worked with Peter. My repair is complete I have my new house and car and I still call him just for the free credit advice.
I would recommend Credit Saint to anyone who is serious about credit repair.
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“Excellent customer service! Very nice people to work with. The monthly fees are low and you get just as much with their "Fast Track" program as you do with much more expensive programs at other companies. ”
“Legacy Legal really helped me get my credit scores up so i could get my new truck! The customer service was great they were really nice and down to earth and explained everything to me. The best part they help answer all my questions about my credit AND DELETED MY BAD MARKINGS... I send everyone i know to them because they helped me so much!!! Thanks Legacy Legal Services!”
“Legacy was great!!! I had been with Lexington Law Firm with only one deletion in a year in a half. When I canceled Lexington I had five tax liens left on my reports. Then I joined Legacy Legal they removed them in about six months. Where I couldn’t get a hold of anyone at Lexington, I had a great experience with speaking with the paralegals at Legacy. They taught me how to build my credit while they removed the negatives. My scores ended up in the mid 700’s. I would tell everyone to trust their credit to Legacy Legal!”
16) National Consumer Credit Services
“Charges per item so you only pay for results. Good if you only have a few bad credit items but watch out because charges can add up quickly if you have more than a handful of negative items on your credit reports.”
17) Go Clean Credit
“Go Clean Credit helped me raise my score 150 points in 90 days and helped me remove my bankruptcy!”
“These guys definitely should be number one. They even have a guarantee for using the service.”
“Monarch Credit Repair was very helpful and compassionate. Answered all my questions and raised my fico score by 103 points in 2 months.”
“I called Monarch to repair my credit and was very pleased. Honest, friendly and kept on it until my credit was corrected.”
“Excellent Service and value. Fees were very reasonable about $675.00 less then other companies. And my Report is accurate now.”
“People in express credit repair are very helpful and professional, they fixed my ugly credit from 568 to 709 in just 2 months, these people know how to repair credit and get your score up. I defiantly recommend express credit repair.”
20) Global Advantage Credit Solutions
“Global Advantage Credit Solutions is affordable and they got the job done! ”
21) New Age Credit Corporation
“The only business that did not sale sunshine and delivered exactly what I needed.”
23) Equity First
“An honest and up front service. I was very pleased with their service affordable and quick turn around times.”
24) Credit Dusters
25) Macy Legal Credit Repair Services
“I also used these guys and was very happy with the results. I know that my frined ordered their do it your self program as well.”
“Topnotch Credit Services not only educated me on the do’s and don’ts. There program assisted me and my co-workers in building credit for the future. my middle score started at a 513 and ended at 670.”
27) Snyder's Commercial Consulting
“Five out of five stars. Very professional service. I had my own case manager who worked with me, and in roughly six months they had deleted 31 negative items. I tried Lexington Law firm and a few others before, and they made only slow progress because they charge by the month. SCC actually did hand written and typed letters and sent me copies of all of the letters they used so I knew I was getting topnotch service. I went from a 404 middle score to a 620 in just six months. I would say anyone in any situation could benefit from their service.”
