BEST CREDIT REPAIR COMPANIES
Reviews of the best Credit Repair Services: Can credit repair companies get deletions from the three major credit bureaus? You bet they can! If you have Credit debt and need Credit report repair, simply read our reviews of the best Credit repair services. Find the best credit repair companies that are sure to get results! We are your definitive guide to a higher credit score!
TOP 10 CREDIT REPAIR SERVICES
1. Best overall credit repair service - Score Cure - Score Cure Review
Score Cure Best Credit repair company!
Score Cure receives our #1 spot for a number of reasons we will discuss, but the top reason is simply: They have the best customer service we have ever encountered and they get negative items removed quickly and efficiently.
Score Cure is backed by top attorneys in the industry. Their attorneys quickly check if the creditors, credit card companies or credit bureaus are involved in illegal credit reporting activities. If they are, Score Cure will also sue them on your behalf.
Aside from getting the discrepancies removed, Score Cure is one of the only companies that provides advanced financial services and no additional charge. One of the advanced services they offer is looking for, and fighting against any FCRA and FDPA violations. If they find any violations, they will sue on your behalf and get you a monetary reward. Score Cure also effectively helps consumers to get their credit re-established by helping them get new credit cards as well as showing them advanced techniques to how they can go about rebuilding their credit quickly.
Score Cure has over 15 years of experience with credit card companies. If you use Score Cure, you could have all the negative items stricken from your credit report while at the same time rebuilding your credit. They make sure that those negative items get deleted quickly and that they do not re-appear. Unlike many other credit repair services, Score Cure disputes EACH AND EVERY
negative item every single time they dispute. Other companies dispute 4-6 from each bureau in each round. Thus Score Cure can clean your negative items up quicker. According to their CEO, their average client only needs to stay in the program on an average of 3.6 months.
This utilization of deletions and rebuilding of credit is what sets Score Cure apart from the competitors! We used Score Cure for 2 months (2 rounds of disputing) and they got 15 negative items removed for us. Each and every client has their own personal credit repair expert assigned to them to answer any questions. Another great feature that makes Score Cure
stand out from the others is that each client will have online access where they can log onto their account 24/7 to monitor their progress. Allowing their clients interactivity with the process is what we loved most about them. The 'small' things about them that we like are that you deal with an actual human being each and every time. Nothing is ever automated. While that can be construed as a small feature, it shows that they care among all other things about the client. Get started with Score Cure
Pro's: One of the lowest costs for the amazing services they perform. Fast credit repair. (They get the job done quickly). They are run by real lawyers with many years of experience. Their staff is comprised of professional credit repair experts and real attorneys. Score Cure has 15+ years of experience in the credit repair industry.
They have, by far, the best customer service we have ever had the pleasure of experiencing. They get deletions quickly, usually within the first month. They offer advanced services at no extra charge. You aren't locked into any kind of contract for an extended period of time. They are extremely knowledgeable in all areas of credit restoration. Additionally, they offer their services in all 50 States.
Cons: No cons that we have seen or heard of yet!
Our Results: We used Score Cure for 2
months and they got 15
negative items removed for us.
Proof: See actual Score Cure Deletions
Pricing: Just $79.95 per month - Customers can quit at any time
See the Score Cure Website
2. Most reputable established credit repair company
- Sky Blue Credit - Sky Blue Review
Sky Blue Credit Repair A Top credit repair service!
Very Reliable Established Credit Repair company
Sky Blue is a top well known branded company. After three years of researching and trying different companies, we feel Sky Blue is the best overall credit repair business in the industry. Sky Blue is a very reputable credit restoration service that many of the baby boomer's have role-modeled and emulated. They have a clean record with the Better business bureau and they offer terrific customer support. A close colleague of ours has used Sky Blue with great results. After 7 months his Fico went from 601 to 733 with 17 deletions of negative items (4 of which were charge-offs). Our colleague said that the Sky Blue representatives were very courteous and extremely professional! Sky Blue definitely combines exceptional
personal customer service with a total mastery of the laws that govern the credit reporting industry to show you results! Sky Blue also has 20 years experience in the industry.
This really is an awesome program. Everything is included for a single low monthly fee and they get fantastic results. Their set-up fee is just $59
. Sky Blue could easily be a #1 pick on this list and fully deserves to be one of the best top ten credit repair companies. If you would like more information, please call Sky Blue at 888-968-6257 for a quick free evaluation or to sign up and get started today, you can also visit their
for more information. Sky Blue just recently lowered their set up fee from $79 to $59.
Their set-up fee is just $59!
A+ rating with the better business bureau.
Shows great results with all of
their clients. 20 years experience in the industry. Not an automated
dispute service. Cancel anytime. Best customer service that we have seen
yet. Name branded recognition. Gets tough items deleted like tax liens
Very simple sign-up. 100% Money back guarantee that they will stand fully behind. Follows and understands all of the regulations and laws. Offers their services in all 50 States.
Cons: No cons that we know of.
Our Results: We used Sky Blue Credit Repair for 7 months and they got 17 negative items removed for us.
Proof: See actual Sky Blue Creditor Deletion. See actual Tax Lien removed from Sky Blue Credit Repair
Pricing: $59 Setup fee then $59 per month
3. Least Expensive Credit Repair company - The Credit People - The Credit People Review
The Credit People Great Credit repair service!
For the price, - nothing comes close to The Credit People (Formally DSI Solutions) for reliable credit repair. We can attest that The Credit People's unique credit repair program is the fastest, best and most affordable restoration service available online. One of our colleagues tried the program (When it was DSI) with amazing results. DSI realized 18 deletions in total, including a Bankruptcy! This is one of only two credit repair services where we have personal experience with a bankruptcy deletion. His Fico score went from a dismal 528 to a 704 on Equifax within 6 months.
They also deal directly with creditors to get deletions! When it comes to the price, The Credit People is by far one of the cheapest credit repair services. For the low prices that they charge, they are easily one of the best choices on this list. The Credit People only charges a $19 Set-up fee and then pricing is and then pricing is just $59 per month with no long term commitments. Clients can quit the program at any time. The Credit People offers affordable full service credit repair so that all consumers now have the chance to use a professional service without breaking their wallets. Discover how The Credit People can easily repair your credit...guaranteed! If you have bad credit and you're looking for a second chance, The Credit People can legally repair your credit, and raise your credit score.
Pro's: Lowest price in the credit repair service industry. They show excellent results. They get results with Experian! They can get bankruptcies removed. Great guarantee where they will give you your money back... plus $50 if there is not a definite improvement to your credit reports! Only a $19 set-up fee. Offers credit repair in all 50 States.
Guarantee: Check out this Guarantee. If you try their service, and after your program is complete there isn't a definite improvement in your credit report or score, then they will give you $50 for wasting your time on top of your money back!
Cons: Short term allows for only 4 rounds of disputes, but then again that may be all you need, because they dispute all items quickly. If happy and need be, you can still continue!
Our Results: One of our constituents used The Credit People for 6 months and had 8 deletions including a stubborn bankruptcy deletion!
Proof: See actual very rare The Credit People Deletions! See more deletions here. Lastly, see an actual creditor deletion from Discover.
Pricing: $19 setup fee and then $59 per month. Clients can quit at any time.
See The Credit People Website
4. Most Reliable Credit Repair company - Lexington Law - Lexington Law Review
Lexington Law Reliable Credit repair service!
Lexington Law was the very first company that we tried. We used Lexington Law for 9 months with great results. In the 9 month period using Lexington Law, we saw 19 negative items deleted from our credit reports! (4 of them were inquiries). Lexington Law is one of the oldest and largest credit report repair services around, and it is still one the best. Lexington Law was basically the founder of credit repair as we know it today and is still the #1 company that ALL of the other baby boomer companies emulated.
With Lexington Law there is a bit more work on your part to go into the Client Login area and update what you want to dispute, but it doesn't take that long and it puts you in full control and is well worth it. They did a lot for us within 9 months by getting 19 deletions and their customer service was exceptional. If you have credit debt and need a company that knows what they are doing, then Lexington Law is one of the best credit repair services on this list that you could choose. Lexington Law claims to have served over 1/2 million clients since 1991. That's over five thousand clients per year. Lexington Law is a true pioneer in the industry that is only getting bigger and stronger over time. Go for the $79.95 or the $99.95 per month plan if you can afford it. Get Started now! Lexington Law Sign-Up Page
get results. Very experienced. Time tested techniques that work. They answer the phone. A very branded and trusted name for credit restoration. We have not heard of one single client that we know, who hasn't seen at least 1 deletion! A founder in the industry that is still the best out there and is certainly the most reliable. Realized 19 deletions of negative items in 9 months for us! Offers credit restoration in all 50 States.
Lexington Law is one of the oldest and most reputable companies that basically started it all,... and to this day, it remains one of the best overall and most reliable credit repair services in the entire industry.
Cons: A little more work on your part to update your control panel (client login area) but it is worth it because you get to control what is being disputed.
Our Results: After using Lexington for 9 months, we saw 19 negative items removed!
Proof: See actual Lexington Law deletions. See more actual Lexington Law deletions.
$99.95 Setup fee. 2 different plans $79.95 for the Concord Standard service and - $99.95 per month for the Concord Premier service.
See the Lexington Law Website
5. Quickly becoming one of the biggest and most reputable credit repair firms - CreditRepair.com - Credit Repair.com Review
CreditRepair.com One of the top in Credit repair! - Quickly becoming an industry leader
CreditRepair.com is one of the most branded credit repair companies online. They could easily be in the top 3 credit repair companies on this list if not number one. CreditRepair.com has removed over 1.4 million negative items for their clients and their website is filled with some awesome success stories from some of their members that are truly worthwhile to watch.
CreditRepair.com on average has deleted 11.6 items in the first 4 months for their clients. They have done better for us than their averages show however. In 4 rounds of disputes, (about 6 months), they deleted 17 negative items for us. CreditRepair.com offers top level customer service and one of the best online personal dashboards where clients can keep tract of progress and get alerts that we have seen yet. Unlike other underdeveloped companies, clients also have the luxury of a credit score tracker, credit monitoring, text & email alerts and an awesome mobile app. These advanced features combined with an awesome customer service team and an advanced system that works in getting deletions makes CreditRepair.com an easy choice as one of the best online credit repair companies.
Oh yeah. Did we mention that CreditRepair.com can get stubborn items like tax liens, judgments, charge offs and bankruptcies removed? They most certainly can and they have statistical proof to prove it.
Pro's: Well known branded credit repair company. They get tough items like liens and bankruptcies removed. Awesome customer service and online tools to track your success.
Cons: None that we've seen yet!
Our Results: We used CreditRepair.com Lexington for 6 months (four actual rounds), and we saw 17 negative items fall off of our credit files!
Pricing: (One time credit report processing fee of $12.99 then just $89.95 per month. No long term commitments.
6. Credit Repair company with strong history - Credit Assistance Network Review
There are many reasons to like the Credit Assistance Network but one of the top reasons is that they have been in business since 2004. They have been rated with the BBB since they day they opened their doors and they have an impeccable A+ rating (with zero complaints) with the Better Business Bureau. They are also accredited with a five star rating from TrustLink as well as being NACSO members.
Their 100% personalized service will accommodate clients in an expedited manner with disputing up to 45 items per round compared to the 5-15 that most credit repair companies dispute in an effort to keep you in their programs longer. If you want your reports cleaned up and are serious about getting your credit rating restored as quickly as possible, then the Credit Assistance Network is a great choice as an organic clean and legit service. Credit Assistance Network takes the extra time to advise, consult and educate each client along the way to a better credit score.
The Credit assistance Network is one of the only companies in the industry that we know of where we have actual personal hands on knowledge of several bankruptcies deleted for their clients. They know the law, are persistent and they can truly get the job done. If you are looking for a credit repair company that can actually get bankruptcies removed from your credit reports, then we highly recommend using The Credit assistance Network. Don't just take our word for it. Call them and ask their team for actual results and what you can expect. Ask their track record and history and then as always use your due diligence and make an informed decision.
The Credit assistance Network is also experienced with eliminating debt, business credit funding as well as customized collection interventions that focus on Fair Debt Collections Act guidelines (FDCAPA).
Pro's: Money back guarantee.Licensed Attorneys on staff. They realized 16 deletions injust 5 rounds of disputes for us! Free consultations. They offer toll free, live phone support, identity theft resolution, escalated information requests as well as settlement offer assistance! Exceptional one on one customer service. They do the little extras that other companies simply do not address.
The Credit Assistance Network has an A+ rating with the BBB and is certified with the Fair Credit Reporting Act as well as the National Association of Credit Services organization Cancel at any time! Offers full restoration services in all 50 States.
Cons: No cons that we have seen or heard of yet!
Our Results: We used The Credit Assistance Network quite a few years back for a total of 5 disputes and they realized 16 deletions within that time.
7. Most Improved Credit Repair Service - Ovation Law Review
We used Ovation Law for 6 months with very good results. We saw 9 deletions disappear within the 6 months with Ovation Law. Ovation Law seems to have role modeled Lexington with their business ethic and techniques. They have been growing of late and are becoming a top player for reputable credit repair. They have recently re-vamped their website to portray a much more professional look and feel but we still feel that the website is a little bit confusing especially finding pricing and their two different pricing models.
In our opinion, they should offer their premium service only and keep one price to avoid confusion. We've never understood a choice of two different pricing models in the credit repair industry. It's like saying, you can pay less but you are not getting our "top service" that the clients that can afford our top service are.
Ovation Law is truly an up and coming firm that has grown by leaps and bounds over the last few years. Ovation offers above average customer service and has a good system of keeping their clients in the loop in between the rounds of disputing with timely email updates. Having great communication with the customer is a simple idea but one that many firms believe it or not fail to do.
We have actually used firms that do not let you know your status and if or when your next round of disputes was sent out. Ovation is not one of them. Ovation law is a very a reputable branded credit repair company that gets results! We've seen the results ourselves! They are one of the most improved professional credit repair businesses in the industry as of late and can get great results relatively quickly. (They are also a little cheaper than Lexington)
Pro's: They answer the phone. Good communication. They show results. Getting bigger and better all the time. Very similar service as Lexington but a little more affordable (cheaper). Offers credit repair in all 50 States.
Cons: Not really a con but they only dispute 4 or 5 derogatory items at a time per bureau like many other credit repair companies. They do this so the bureau's won't think the disputes are frivolous but it can stretch out the time of cleaning your slate a little bit.
Our Results: We saw 9
deletions in 6
months with Ovation Law! Proof: See actual Ovation Law deletions.
Pricing: $85 Setup fee (They call it a first work fee). They then offer 2 different monthly plans of $49 ($49 is for their "Essentials Program") or $69 ($69 per month is for their "Essentials Plus Program").
8. Most Improved Credit Repair Service - Fowler and Fowler - Very good smaller credit repair company
9. Fastest growing credit repair company - Veracity Credit Repair review
Veracity Credit Repair Expedited Credit repair!
This may actually be one of the best underdog choices for a credit repair in this top 10 list! They are very experienced when it comes to credit debt and bad credit repair. Combine Veracity's relatively low monthly rates (we paid $49 per month) with their specifically tailored credit repair and consultative strategies and you get a winning combination. Their system is designed to quickly
and effectively raise your credit score within a relatively short amount of time. They are known for their expedited results (getting deletions fast). So if you need quick results with credit repair, Veracity is a great choice. It worked for us!
We tried for Veracity for 4 months and saw 7 deletions (although 3 of them were inquiries). In all fairness to Veracity though, we used them after using 3 other credit repair companies for a length of time, so they surely had a tougher time getting deletions after the bureau's had previously verified the items.
We think that a client using them as their first credit repair company choice, will yield considerably better results than we did. We must also note that we tried the SELECT plan (the less expensive plan), and we feel that you may get better results going for their PLATINUM plan. Veracity is one of the top Credit Repair companies online today.
Shows expedited results. Reasonably priced. A branded name in the industry. Will improve your Fico score quickly. (Raised ours 44 points on TransUnion). If you need quick results, this is your choice. Cancel at any time. Offers credit repair in all 50 States.
Did not get any deletions for us from Experian and only one deletion from Equifax. (In all fairness though, we only used them for 4 months and used them after using two other credit repair companies)
We tried Veracity for 4 months and saw 7 deletions within that time
2 plans - The SELECT plan is $69 setup and $49 monthly or the PLATINUM plan is $99 setup $79 monthly.
Visit the Veracity website
10. A great credit repair business with a good refund policy
- Academy Credit review
A great credit repair business with a refund policy
Credit just made it at #10 on our top 10 list. They are very strong
association and has always been trying to become a contender in the industry. Academy
Credit is truly dedicated to improving your credit. Their firm will
fight to eliminate negative, misleading or inaccurate items from your
credit report and help you establish a positive credit history.
offers a refund policy where they will refund your monthly payments, if
they cannot produce results! We saw 6 negatives fall off our credit
reports in 3 months time with Academy Credit. The only reason we didn't
stay longer was so we could try other credit cleaning services so we
could provide the reviews on this page. We were very happy with Academy
credit and would not have left them at all if we were not on a mission
to try as many as we could!
reliable outfit. They get deletions! Quit at any time. They are serious
about helping you with achieving your financial goals.
Cons: Did not get us any Experian Deletions for us.
(but we only used them for 3 months). They are a tad on the expensive
side as they just recently raised their prices. Too many options. Why
not have just one price point?
Our Results: We used the Veracity service for 3 months and they helped us remove 6 negative items during that time
Pricing: (Platinum Plan) $199 Membership - $69 monthly (Gold Plan) $179 Membership - $49 Monthly (Silver Plan) $159 Membership - $29 Monthly
We feel that these top 10 credit repair companies are reputable and are all worthy of being listed on this top 10 list. After reviewing and trying over 75 companies, we have found that these 10 are the absolute best, are reputable and really work. Thank you for viewing our best credit repair companies for 2015- 2016. See the top 10 credit repair company reviews below
BEST CREDIT REPAIR COMPANY REVIEWS
THE BEST OVERALL CREDIT REPAIR COMPANY
"Trusting a company with your credit future can be a little scary. My goal was to get just a few items changed and updated with accurate information. After my initial consultation, I decided to give it a go and I am glad I did. Score Cure found an additional old outdated lien (that I had no idea about) that was still existing on my Equifax report and disputed it straight away. The lien was removed and all of my information and accounts were updated successfully. Thank you to the Score Cure team for the keen eyes while going through my reports. The service was well worth the few hundred dollars that I paid."
- H. Serio., Baltimore, MD
MOST ESTABLISHED CREDIT REPAIR SERVICE - CREDIT DEBT REPAIR PROFESSIONALS
BEST CREDIT REPORT REPAIR COMPANY - CHEAPEST CREDIT REPAIR
The Credit People - The Credit People Reviews
Actual The Credit People reviews and testimonials
credit was such an embarrassing mess, that I pretty much just gave up
on the idea of ever having good credit. I searched high and low for a
service like yours and you guys just seemed to make it easy. I still
can't even believe where I am now after your service. I never thought
I'd have a chance like this again, and I couldn't be more thankful."
- Becky Wilshire, CA
was exactly like you said, I was taking three steps back for every one I
took forward. But worse yet, I was totally accepting it. What a wake up
call. Now life is good, and so is my credit. I hope this testimonial
helps you get the word out. Your website was a lifesaver. Thanks again!"
- Ken & Cathy Bowser, Lockport, IL
still can't believe that every time I either pull my credit report or
have the next round sent to me free from the three bureaus, (after you
guys do your disputing), I see another deletion of some sort come off my
reports. I have heard that making negative items disappear off you
credit report was impossible until you guys (The Credit Repair People -
Formally DSI Solutions) keep proving it to me month after month. You
just recently removed a charge-off account that was haunting my score
for a long time. Thank you so much! "
- Thomas Canterbury, NY, NY
exactly what they say they will do. Deserves to be on this best credit
repair companies. An extremely reliable company that stands behind its
guarantee. Expedited Credit repair at an extremely reasonable price. Top
notch service in the credit repair industry"
MOST RELIABLE CREDIT REPAIR SERVICE - OLDEST AND MOST EXPERIENCED CREDIT REPAIR SERVICE
Lexington - Lexington Law Reviews
Actual Lexington law reviews and testimonials
experience with the Lexington Law Firm has been wonderful from
beginning to end and the results you achieved are remarkable. It is also
noteworthy, that the fee I paid for such superior professional service
must be one of the truly great bargains of all time. My warmest best
wishes to you all.
- R.S., Lexington client
have to admit I was a little skeptical at first, but after seeing what
you were able to do with my credit after only a few months, it is very
reassuring. Thank you for everything that you are doing for me and
please pass on to your staff my appreciation for all of the hard work.
- T.B., Lexington client
Law showed us results from the very first dispute. They got 19 negative
items deleted in the 9 months time period that we spent with them.
We've done it first hand with them and fully endorse Lexington Law as a
reliable Credit repair service that really works. See 3 actual deletions that they got from TransUnion on one dispute.
A TOP 5 CREDITE REPAIR SERVICE
Credit Assistance Network- Credit Assistance Network - Credit Repair Reviews
Actual Credit Assistance Network reviews and testimonials
recommend this company enough. Corey was amazing to deal with and the
entire staff worked hard to get my score over 720. For the price, you
will not believe their attention to detail, follow-up, service and
overall what you get to get back into the credit card ballgame!"
-Gerry M., Mississippi
experience was nothing short of spectacular. I just sat back, made my
monthly payments and watched as the disputes results came to my mailbox
with deletions every single month. I had over 20 bad marks when I
started and The Credit Assistance removed them all but 3. One was a
state tax lien but we are still working on it. Use this company, you'll
be glad you did."
- Mr. J. Knowles., NJ
haven't had much luck in the past with two other companies that I
tried. I saw that the Credit Network had a strong history with the BBB
and that they have been around for 10 plus years, and I saw them on this
website, so I decided to try them. Although this website is New Jersey
based and I am in Florida, I still decided to try because the Credit
Assistance Network is also in Florida. And boy am I glad I did! The
results were unreal! I never thought that I could legally clean up my
credit report but now I know that not only can I clean up my report but I
can get credit cards with healthy credit lines again thanks to the help
of the Credit Network. I now know that it is a reality and not just a
pipe dream anymore. Thank you, thank you, thank you."
-Carole Pugh., Miami, Florida
- Veracity reviews
Actual Veracity reviews
you very much for the superb service provided. Veracity has done
everything that it promised and more! I am aware that I may resume my
lifetime membership in the future and look forward to working with you
again soon. Thanks again and kind regards."
- Kevin (Taken from the Veracity Website)
MOST COMPLETE CREDIT REPAIR SERVICE
Academy Credit Full service credit repair!
Actual Academy Credit reviews and testimonials
"Thank you guys, You have helped me get
through a very difficult time in my life. The coaching that you
provided helped me keep my head up and after six months my credit score
went up like magic. Your team is very sharp and I can't thank all of you
enough for what you have done for me. Thank you!"
- Time W., Kent Michigan
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.
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 credit repair companies that really work. We of course cannot
fully guarantee what your credit repair results will be, but we assure
you that all of the credit repair companies on this list are 100%
reputable and will show you positive results.
Below is a synopsis of
what you can expect when you sign up with one of the companies on this
list. There are many websites online that claim that getting deletions
is impossible. There are of course scam companies in any industry, but
getting deletions is surely 100% possible. In most cases, the deletion
of an item off of your credit report does not remove the debt attached
to it (if it was say a charge-off and you still owed money on the credit
card) but in many cases the item that was removed does not return and
the the debt could go beyond the statue of limitations in your state so
you would not owe the debt anymore. In some cases, if the item was
removed and their was a debt attached to it, it can return on your
credit report again if a collection agency buys up the debt and reports
it to one of the major credit bureaus again. But in most cases however,
when an item is deleted it does not return.
Remember it is against the law and it is illegal for a credit repair
company to charge you any upfront fees for their services unless they
start to perform some sort of work on your account. They are allowed to
charge you a set up fee or first work fee only and if they actually
start performing some kind of work on your file. Examples would be if
they were to take your information from you and enter your information
into their database or back office, analyze your credit situation and
start preparing your initial dispute letters.
If a credit restoration firm tries to charge you up front for their
services before they perform work on your case, beware. In most cases, a
firm might take your credit card information up front, but when you are
purchasing their product (either online or over the phone) they will
tell you (they should anyway as its the law) the actual date that you
will actually be charged. In many cases when you sign up online, they
will collect your credit card information but not charge you for around 5
days. This gives them time to set up your file and start working on
your case. You will see this information clearly presented on the Score
Cure and Sky Blue online sign up form.
You will need to provide the company with recent copies of your
credit reports across the three credit bureaus. You will also need to
provide them with some pertinent information including a copy of your
drivers license and a copy of your social security card. This is needed
so when they send dispute letters on your behalf, it will look like it
is you who is actually writing the dispute letter.
The company will then look through your credit reports and find all
the negative items to dispute for you. Depending on the firm, they will
usually add your negative items into an online portal that you the
client can sign into to see your progress.
They start disputing on your behalf. They simply write letters asking
the creditors and/or credit bureaus to confirm your information and
that the negative items are actually yours.
The creditors and/or credit bureaus start their investigation of the
disputes that were sent on your behalf. Remember it is your right by law
to dispute any items on your credit report for any reason as the credit
bureaus are third party companies selling information about your credit
history to potential creditors and lenders. You have the right to
demand that the information that they are selling about you is accurate.
EVEN if you did cause the negative item to appear on your credit
report, it does not matter. If they cannot prove that the your account
is yours and that the information is 100% accurate. They MUST remove the
item from your report.
After the credit bureau investigates your disputes, they will mail
their findings and a copy of your recent updated credit report to your
You will need to forward the copies of your updated reports that the
credit bureaus sent you you to your credit restoration firm so that they
can update the status in your client portal.
The credit repair firm will re-dispute again on your behalf. If they
were not successful in getting a deletion of an item or if they did in
fact get a couple of deletions, they will still dispute again against
the remaining negative items that are still appearing on your reports.
This is very common and again is your right. If they disputed an item
and the credit bureaus verified it and said it was truly yours and they
would not remove it, your credit repair service will dispute the item
again with a a different angle of dispute (a different reason of why
the item is not accurate) and make the creditors or credit agencies
verify the item(s) again.
This repeated disputing and persistence does
pay off because what happens is that your file keeps going into
different peoples hands and eventually gets lost in the red tape. The
credit bureaus have only 30 days to investigate the dispute. If they
have no time to get to yours, they (by law) must delete the item from
your credit report. Of course if a negative item that really was not
yours was appearing and was showing up erroneously on your reports, they
will be removed as well. The process works whether the item was really
yours or not. That is the true beauty of the system.
How long does credit repair take?
It depends on how many negative items you have on your three major
credit reports. Getting stubborn items removed can take anywhere from 2
to 6 disputes or longer. The persistence will pay off. The major
advantage of outsourcing this task for you is that the firm that is
trying to clean up your credit for you will keep disputing until the
desired results are achieved and you won't have to worry about following
up all the time. You can do this entire process by yourself as well.
Can I do it myself - Can I repair my own credit?
This is a question that we hear all the time. The answer is
absolutely yes. Anyone can repair their own credit and at any time. It
is wise to check your credit periodically to see if any of the
information is out of date or if any new blemishes have been posted to
your credit report. It is actually very easy to get the ball rolling
with repairing your own credit in this new technology age that we live
in. If you simply create an account on the one of three major credit
bureaus online websites', they all actually have a very convenient
section where you can dispute online in real time right from the
convenience of their website. You sometimes have to send them some
information, like proof of residency and your social security number,
but it is very easy to do.
The problem with the online portal system is
that you usually cannot send a detailed letter or a detailed explanation
of your dispute and what happened with the particular account, you can
only choose from a few limited choices from quick drop down menu that
they provide of what and why your disputing and it really is only
touching the surface of what is involved with making a real dispute. We
have never had luck disputing online. When you dispute your own credit
the best way is to send a letter in detail about what and why you are
disputing. This method is much more effective. The problem with this
method is that you have to keep up on it all the time to get the desired
There are many websites that claim that credit repair services that
you sign up for are a rip off and that it is impossible to remove items
from your reports. The first half of that statement could be true if
the company you choose does not dispute effectively but the second half
of that statement is completely false. First of all, the credit agencies
do not know if you yourself or the credit repair service is sending the
dispute because the credit repair service disputes the items on your
behalf (as if they were you). They send a copy of your drivers license
and social security card and send the letter signed form you.
100% completely legal and is your right for anyone to act as power of
attorney on your behalf if you grant them the permission by the way.
Disputing is your right under the Fair Credit Reporting Act. You have
the right to dispute incomplete or inaccurate information. The federal
Fair Credit Reporting Act (FCRA) promotes the fairness, accuracy and
privacy of information in the files that third party consumer reporting
agencies are reporting about you. Under the act, you must be told if
information in your file has been used against you and you have the
right to know what is in your credit file.
Most importantly as a consumer, you have the right to dispute any
and all inaccurate, false or incomplete information that may be
displaying on your reports. The consumer reporting agencies have a 30
day time table to verify the items that are challenging and they must
correct, update or delete the inaccurate, incomplete, or unverifiable
information immediately. Lastly, by law, the consumer reporting agencies
may not report outdated negative information that may be showing up in
If unverifiable outdated or negative information remains on
your reports, you are entitled to seek damages from the violators. If a
consumer reporting agency, or any furnisher of information to a consumer
reporting agency violates your Fair Credit Reporting Act Rights, you
can sue them in state or federal court. The advantage of using a service
that is reputable is that they know these laws and will be persistent
in acting on your behalf until your negative items are removed.
When it comes to do-it-yourself credit repair, we have found that
consumers are either un-knowledgeable about the process, don't have the
time to follow up immediately on results, procrastinate or are simply
lazy and ultimately do not get the job done.
Keeping our information up-to-date
Although the credit repair laws, prices and terms of the services
change all the time, FunNewJersey.com strives to update our information
at least once a week for any major changes as sometimes these companies
change their pricing or have other significant changes. Some of the
companies that we know of as completely reputable, also update us from
time to time with any pertinent or important updates or changes.
The most recent addition to this list of the top 10 credit repair
companies is CreditRepair.com. After much research and after trying
their service we've deemed them highly worthy of being in the top ten
The Credit People have added a flat-rate membership as an
alternative to their monthly pricing plan. On the flat-rate membership,
clients can get 6 months of credit repair for $299. Their monthly
membership consists of a $19 fee where you can try their service for 7
days, then the price is just $59 per month. The pricing models are
similar if you break down the math but the $299 flat rate comes out to
be $72 cheaper if you stayed in the monthly plan for 6 months.
According to The Credit People, they are continuing to have
the recurring monthly payment model which is consistent with the rest of
the industry but they are also adding on the flate-rate for clients
that have more than just a few bad items on their credit reports. They
say that because the industry has become saturated, and with marketplace
saturation comes increased costs and competition, so they are simply
trying to adjust to cater to their clients with a different option.
Credit People were innovators in their market space and were (and still
are) one of the only companies to charge a small set up fee of $19 and
then just $59 per month thereafter. The Credit People still has some
unique features that other companies cannot compete with. They are still
one of the only companies that will actually obtain all three credit
reports for their clients, included for free. They are also still one of
the most affordable credit repair companies with one of the smallest
set up fees in the industry at just $19.
Ovation Credit also
recently updated their pricing from an $85 first work fee for their
Essentials Program package then $45 per month to the same $85 first work
fee to $49 per month. This is essentially a small increase of just $4
Similarly for their Essentials Plus Program, the first work fee
remains the same and the monthly residual fee goes from $65 per month
to $69 per month. Again just a small $4 hike in the monthly price. In
both programs, their is no long term commitments and clients can quit
the programs at any time.
This page was just checked for accuracy and last updated on 11-23-15.
See New Jersey Credit Repair Companies
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