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See reviews and testimonials of these Credit Repair Companies on the bottom of this page

All reviews/results are factual and unbiased

We've spent three years testing Credit Repair companies to find the ones that really work!

We are the #1 source on the Internet for reviews of reputable credit repair companies.

Our Top Pick!

Score Cure
One of most commonly asked questions by consumers is how long will it take to clean up my report? This question is not easy to answer because there are so many variables, but the best answer is anywhere from 3 through 8 months (and sometimes longer if they have a lot of derogatories ). Score Cure is at the top of our list because it is one of the only credit restoration  firms that disputes every single negative item from the very first time they dispute to expedite the process. They can usually get the job done within 2-6 months. Score Cure is also at the top of this list because when the items are deleted, they do not return. Great customer service, price point and a quick turnaround is what makes Score Cure stand out from the rest.

Least Expensive

Credit Repair People
One of the best that we have reviewed that WILL produce results is The Credit Repair People (formally DSI Solutions). You can get started with The Credit Repair People for a modest $19 set-up fee and then 3 simple monthly payments of $89. This comes to $286 for a total of 6 months of credit repair. Averages out to about $48 a month. You can continue services or quit at ant time. Even if they only get you 3 deletions in 6 months, it's still worth $286. You cannot put a price on a negative item that is hurting your Fico score.

See page bottom for more actual reviews and testimonials of all these credit repair services

Times are tough but credit repair doesn't have to be

Legit credit repair companies use the laws and fight in your favor to remove negative items legally, whether they are on your credit report because you caused the derogatory or not.


There is only one place to get your real Fico Scores

MyFico.com

Credit repair companies that you can trust

We have spent three + years researching Credit repair companies. Either we have tried the services ourselves or we have had close colleagues report their results. All results and credit repair reviews on this page are verifiable.

Give us your personal feedback

If you have had personal experiences with any of these credit repair companies and would like to voice your opinion, please E-mail us. If you disagree with any of our recommendations, or feel that our reviews are inaccurate in any way, please contact us and we will research your complaints and post our findings and results on this page.

Biggest credit repair myth

It is impossible to remove negative items that are on my credit report because I truly did default on the item and it really was my fault. False

Although it may seem corrupt, it is completely legal to have anything that is unverifiable
removed from your credit report. Whether you defaulted on a derogatory item or not, every item on your credit report must be verified. Legit Credit repair companies follow the due process of law and simply protect your rights and exercise the rights that the laws govern you. This process may seem unethical but the laws are there for your protection. If the credit bureau or credit issuer cannot verify a debt, it is your right to have the negative item removed.

CREDIT REPAIR IS POSSIBLE NO MATTER WHAT SITUATION YOU MAY BE IN

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BEST CREDIT REPAIR SERVICES WITH THE BEST RESULTS

Best Legal
Credit Repair

Best Legal Credit Repair is our choice for the #2 overall best credit restoration company that will get you the best results legally. We used Best Legal Credit Repair for 4 months and they got 22 quick deletions in those 4 months. You will get great personalized service with Best Legal Credit Repair. You can quit the program at any time as you go along. Best Legal Credit Repair is a real reputable credit repair service that will work hard for you each and every round of disputes. This is one of the best choices if you are looking for fast results. Best Legal Credit Repair can get stubborn items removed and is only the second company that we know of or have reviewed that has realized a bankruptcy deletion. Stubborn tax liens and collection accounts are also no match for Best Legal Credit Repair! One of the best advantages is that they charge only $69 a month and you can quit at any time!

Sky Blue
10 great reasons to try Sky Blue...1. They are one of the least expensive credit repair business out there (Only $49 set up then $49 per month... 2. They have an awesome half-price couples discount... 3. They have an unconditional guarantee... 4. They know all about the federal and state laws... 5. They are a very honest and legit company... 6. They believe in 100% customer satisfaction... 7. They'll do anything legally possible to force compliance and get negatives removed... 8. They customize their dispute letters for the best results... 9. They dispute directly with creditors banks and CRA'S individually...1 0. They answer all correspondence with clients.

Best NJ Credit Repair Companies

Debt Negotiation

Score Cure- (Best) #1

Best NJ Credit Counseling service

Best Debt Management company

Best Legal Credit Repair - #2

Best Debt Settlement Companies

Get your free credit Score

Sky Blue - #3

BEST CREDIT REPAIR COMPANIES
TOP 10 CREDIT REPORT REPAIR SERVICES

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!

#1

Best overall credit repair service
Score Cure
Score Cure Review

Score Cure - Best credit repair company
See Website

Their staff is comprised of professional credit repair experts and real attorneys

We used Score Cure for 2 months and they got 15 negative items removed for us.

Score Cure has 15+ years of experience in the credit repair industry

See actual Score Cure deletions

Score Cure Best credit repair companies 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 today!

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. 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 thier services in all 50 States.
Cons: No cons that we have seen or heard of yet!
Pricing: Just $79.95 per month - Customers can quit at any time

See the Score Cure Website


#2

Second best credit repair service
Best Legal Credit Repair
Best legal credit repair review

Best Legal Credit Repair - Best credit repair company
See Website

What they did for us when we tried their service...

We used Best Legal Credit Repair for 4 months and they got 22 negative items removed for us.

Actual Best Legal Credit Repair Experian Deletions

Best Legal Credit Repair has years of experience in the debt collection and credit repair industry

Best Legal Credit Repair Best credit repair companies 3rd Best Credit repair company!
100% legal credit repair that works! Best Legal Credit Repair is one of the best restoration services because: They remove negative items easily and effectively and they do it legally. Best Legal Credit Repair is affiliated with a top attorney that has many years of experience in the collections and credit industry. Each client will have real attorneys handling and overseeing their case. This is one of the most complete Credit Repair Services in the industry - Period!

Besides getting deletions removed effectively, Best Legal Credit Repair goes way above and beyond for their clients. Credit repair is just one small part of the entire process as they will also help you establish new credit as well. They have years of experience with credit card companies and they can easily establish new credit trade lines and have them added to your credit reports. Imagine having all your negative items removed while at the same time having a new $5,000 credit line added to your report. This will help utilization and your credit score will rise dramatically! We used this professional firm for 4 months and they got 22 negative items removed for us. During the four months, they got 13 negative items deleted from Experian (including 11 Experian deletions in just one round!). Our Fico score on Experian went from 586 to 714 in just 4 months! Each client will get a personal credit coach that will always be there to answer any questions. Another great feature that makes Best Legal Credit Repair stand out from the other services on this list is that each client will have online access where they can log onto their account 24/7 to monitor their progress. The customer service and professionalism of this company is by far the best that we have ever seen. They offer a money back guarantee and you can quit at any time with no penalties or fees. They are also one of the least expensive credit repair companies at just $69 per month. No start up fees! Get started with Best Legal Credit Repair today!

Pro's: A1 communication. A- score on the BBB. They get the job done legally so negative items will never reappear. Run by real lawyers with many years experience. Some of the best customer service that we have ever encountered. They get deletions quickly. They help rebuild credit. You can quit at any time. Offers money back guarantee. Very experienced with all facets of credit restoration and repair. Offers credit restoration in all 50 States.
Cons: No cons that we have seen or heard of yet!
Pricing:Just $69 per month - Customers can quit at any time

See the Best Legal Credit Repair Website


#3

Most reputable established credit repair company
Sky Blue
Sky Blue Review

Sky Blue Credit Repair
See Website

See actual Sky Blue Creditor Deletion

See actual Tax Lien removed from Sky Blue Credit Repair

17 Deletions in 7 months!

Setup fee is just $59!

100% Money Back Guarantee!

Sky Blue Credit
888-968-6257


 

Sky Blue Credit Repair Our Editorial pick for best 
overall credit repair service! A Top credit repair service!
888-968-6257
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 boomers 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 website for more information. Sky Blue just recently lowered their set up fee from $79 to $59.

Pro's: 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.
Pricing: $59 Setup fee. $59 per month


See the Sky Blue Credit Repair Website

#4

Least expensive Credit Repair!
The Credit People - Cheap set up fee at just $19!

The Credit Repair People Credit repair
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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!

See actual The Credit People Deletions

See actual very rare The Credit People Deletions!

See actual The Credit People Deletion

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 six-month program is the fastest, best and most affordable restoration service available online. One of our colleagues tried the 6 month 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 the best choices on this list. They only charge a $19 Set-up fee and then 3 easy payments of $89. (If you pay for the entire package up front, they'll even waive the set-up fee!) This pricing is for 6 months of full service credit repair. 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.
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!
Pricing: $19 Setup fee and then 3 easy payments of $99

See The Credit People Website


#5

Credit Repair Company with the best service
Attractive Credit Review - Every client is important

Attractive Credit - Credit repair
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What they accomplished for us
We used Attractive Credit for 3 months and they got 12 deletions in those 3 months. They also helped us by dealing directly with a stubborn collection agency and got them to stop going after us for payment and got them deleted from all 3 bureaus! This extra service is unheard of in the credit repair industry!

Attractive Credit is certified with the Fair Credit Reporting Act

Attractive Credit A top credit repair performer!
If you want your reports cleaned up and are serious about getting your credit rating restored as quickly as possible, then Attractive Credit is a great choice as an organic clean and legit service. Attractive Credit takes the extra time to advise, consult and educate each client along the way to a better credit score. Attractive Credit applies legal methods, techniques and strategies to increase credit scores quickly through their program. Bottom line, they will do everything in their power to lead their clients in the right direction. Attractive Credit is a hard working company that really cares about the consumers and truly deserves to be on our list of the top ten best credit repair companies.

What really sets Attractive Credit apart is that they take a little different approach to the way they handle their clients' accounts. They do not just simply "dispute all negative items", which is an approach that most other firms focus on. Instead, they focus on working closely with you while fixing and improving your credit scores, and they go above and beyond by helping you with disputing to collection agencies and disputing to original creditors. They will do whatever it takes to get the job done for each and every client. They take pride in providing you the tools that you need to control your credit and finances from the moment you join until even after you are a client. Attractive Credit believes in long term, permanent solutions to your credit issues.

Your program will include unlimited credit report disputes, corrections, and removals with Equifax, Experian, and TransUnion, They are also specialists in creating customized collection interventions that focus on Fair Debt Collections Act guidelines (FDCAPA). Credit interventions that assist in eliminating bad credit are excellent for late payments, charge-offs, and collections.

Pro's: They realized 12 deletions in 3 short months for us! Clients have piece of mind with their no-risk refund policy. Cancel at any time! Exceptional one on one customer service. They do the little extras that other companies simply do not address. Very professional customer service staff that goes above and beyond for each and every single client. Offers full restoration services in all 50 States.
Cons: No cons that we have seen or heard of yet!
Pricing: $99.97 setup fee and then $79.97 per month

See the Attractive Credit Website


#6

Most reliable Credit repair company - Lexington Law
Lexington Law Review

Lexington Law Credit repair review
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See actual Lexington Law Deletions

See more actual Lexington Law Deletions

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


 

Lexington 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. Thats 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

Pro's: They always 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.
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.
Pricing: $99 Setup fee. 3 different plans $59.95 - $79.95 - $99.95 per month.

See the Lexington Law Website

#7

Credit repair that works! - Fowler and Fowler
Fowlerandfowler.net review

FowlerandFowler.Net Credit repair service review
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See actual Fowler & Fowler Deletions #1

See actual Fowler& Fowler Deletions #2

Fowler and Fowler gets great results very quickly. You will be very happy with this credit repair company.

Fowler and Fowler A top Credit repair service!
OK you've made a few mistakes. You've made a few poor financial decisions. Maybe you didn't have the right amount of money to pay off a particular card when the payment was due. It happens to all of us at some point and time. Even if we caused the negative item to appear, it can still be removed. Fowler and Fowler is very experienced at just that. Whether the negative item was your fault or not, Fowler and Fowler can get it removed from the slate! We used Fowler and Fowler for 10 months and we saw some of the best overall results than what we saw most other competitors on this list. Over the 10 month period, Fowler and Fowler realizes 21 deletions for us. Out of the 21 deletions, 5 were tax liens, 5 were collection accounts, 10 were public record judgements and 1 was a 90 day late deletion. And yes most of the negatives were caused from me (us). They were my own fault. Out of the 21 total deletions, 11 were from Equifax, 6 were from TransUnion and 4 deletions were from Experian. The most positive attribute to the way Fowler does business is that they dispute all negative accounts on all three bureaus on the very first step. It takes other on-line companies a little longer to complete what they do in the first 60 days! Each dispute letter is hand written and is not computerized. Fowler and Fowler has a 90% removal/correction rate!

Pro's: They have shown us some of the best results of them all. They have a unique technique where they dispute all negatives at once with great results. They don't string you along to have to pay each month. They always answer the phone to answer questions. Very professional staff. They will certainly get the job done.
Cons: No real cons except maybe not as many Experian deletions as we would have liked. (But we can't really complain with the 4 that they did realize) A bit more work on your part to sign up with, paperwork wise. (but well worth it)
Pricing: $59 Setup fee. $59 per month

See the Fowler and Fowler Website


#8

Most improved Credit repair Business - Ovation Law
Ovation law Review

Ovation Law Credit Repair Review
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See actual Ovation Law Deletions

We got 9 Deletions in 6 months with Ovation!

Ovation Law Experienced service!
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 it are. 

Regardless of their pricing model that we wish they would update, 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 derogatories 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.
Pricing:
$85 Setup fee (They call it a first work fee). They then offer 2 different monthly plans of $45 ($45 is for their "Essentials Program") or $65 ($65 per month is for their "Essentials Plus Program"). Ovation has just recenetly raised these prices from the old pricing of $39 or $59 per month for the two respective programs mentioned above)

See the Ovation Law Website

#9

Fastest growing Credit Repair company - Veracity
Veracity review

Veracity Credit Consultants
See Website

7 Deletions in 4 months!
Highly recommended

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.

Pro's: 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.
Cons: 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)
Pricing: 2 plans - The SELECT plan is $69 setup and $49 monthly or the PLATINUM plan is $99 setup $79 monthly.

See the Veracity Website


#10

A great credit repair business with a refund policy
Academy Credit - Credit Repair review

AcademyCredit Repair Service Review
See Website

Academy Credit: Credit Repair Great Credit repair!
A great credit repair business with a refund policy
Academy Credit - Credit Repair review

Academy Credit just made it at #10 on our top 10 list. They are very strong association and has always been 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.

Academy 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!

Pro's: Very 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. WHynot have just oneprice point?
Pricing: (Platinum Plan) $199 Membership - $69 monthly (Gold Plan) $179 Membership - $49 Monthly (Silver Plan) $159 Membership - $29 Monthly

See the Academy Credit Website



We feel that these top 10 credit repair companies 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.

BEST CREDIT REPAIR COMPANIES 2014 -THANK YOU FOR VISITING OUR TOP TEN LIST OF REPUTABLE CREDIT REPAIR SERVICES FOR BAD CREDIT REPORT REPAIR

SEE TOP 10 CREDIT REPAIR COMPANY REVIEWS BELOW

BEST CREDIT REPAIR COMPANY REVIEWS

THE BEST OVERALL CREDIT REPAIR COMPANY

Score Scure Credit Repair - Score Cure Repair Reviews

Score Cure Credit Repair Reviews
See Website

Actual Score Cure Credit Repair reviews and testimonials

"Hey Mike, I cannot to this day believe how quick, easy and painless this process was with you guys! It did cost me around $350-$400 overall during the 4 to 5 month period that I was enrolled, but what Jeff, Edwin and Michael did for me during this time was absolutely amazing. One or two baddies (negative items) dropped off of my credit reports every single month I was in the program. I recently stopped the program because I just lost my job and really cannot afford the fee right now, and I still have two pretty bad stubborn items left that are still appearing on my reports but Jeff said he would enroll me again at no charge when I have the funds to clear my negatives up completely. Please reach out to me so I can set up my account again. Thanks Jeff, Michael, Liz, Edwin and Matthew in customer service for everything. Forever grateful to you Mike!, Tom; "
- Tom N., Monroe, NJ

"First off, I would like to express my sincere gratitude for your services. You did a terrific job with getting the credit bureaus to address my credit issues. You customer service team did a terrific job at always answering my emails and addressing my issues - they get an A++ from me. I will definitely recommend your company to anyone who may need their credit repaired. Again, thank you for all your time and dedication with my credit repair." — Jennifer Guevara, Client. "
- Jennifer Guevara., Philadelphia, PA

"I needed my score raised and I needed it fast. Michael, you saved my life! I love you! Everything you told me to do worked and what you did for me well, was like a miracle. You told me it would not happen overnight and I was a bit skeptical but it happened and I thank you from the bottom of my heart. Thanks Micheal and staff."
- Darla J., Cheshire, PA

"The most professional no nonsense company I've ever worked with."
- G. Kimble., LA, California

"By far the most pleasurable experience I have ever had with any type of financial firm. (including banks and creditors)."
- C. Alexander., Newark, New Jersey

View more Score Cure testimonials here - See actual deletions


SECOND BEST OVERALL CREDIT REPAIR COMPANY

Best Legal Credit Repair - Best Legal Credit Repair Reviews

Best Legal Credit Repair Reviews
See Website

Actual Best Legal Credit Repair reviews and testimonials

"Initially I had a few reservations but what convinced me was knowing that my credit repair program was in the hands of a real attorney. Thanks to a recommendation from a close friend (to try this credit repair company) Best Legal credit repair realized 12 deletions for me within the first two months and my Transunion Fico score went up 86 points! Their team was absolutely wonderful and was always there for me with any questions that I had. I was of course a little worried in the beginning but the overall experience turned out fantastic. They also helped my mother in law get two charge-offs removed that no other company could. Thank you Best Legal credit repair...from the bottom of my heart!"
- Jerald S.,South Williamsport, PA

I have never written a company about their service but my experience with you guys has been so impressive that I just had to take a moment to send you this. Your customer service is nothing short of impeccable and the results that I have seen after just a short stint is the most amazing thing I have ever seen. I look forward every month to opening my letters from the credit bureaus to see what else has been removed. I am also confident that because you legally removed the items, that they will never reappear. I promise to keep my spending under control now and not be late ever again on a credit card payment. Sincerely James R. "
- James R., Blanchard, LA

"I ran into some serious trouble and your amazing company got every single negative item removed from all three of my credit reports. You changed my life in every single way! And if it wasn't for you Michael, I would have been lost with no direction to turn to. (thank you for the one on one coaching) I can now, once and for all, feel comfortable applying for credit anywhere, anytime (just got a citibank mastercard witha $10,000 limit!). Thank you soooo much Best Legal credit repair!"

- Kathy W., LA, California

"Best Legal Credit Repair saved my life! What more can I possibly say to your entire staff. You guys got over 25 baddies deleted forever from my credit files and I am finally getting great credit card offers in the mail again. (It's been over 10 years since I got a credit card offer in the mail). The prices you charged me were ridiculous for what you gave me. Thank you to your staff and a special personal thank you to Mary for convincing me to join."
- Mark L., LA, Connecticut

"I just want to say thank you to the guys at Best Legal Credit Repair and especially Irene. After only one round of disputes they were able to get a total of 8 negative items removed raising my score almost 50 points! I am excited to continue the process and see how many more that we can get deleted. Great Job guys I appreciate your help"
- Jeff
 
"Was the most refreshing experience to have a company come in and clean my slate like you guys did. I am a different person on paper and can finally swim with the big fish again! Thank you from the bottom of my heart"
- Tal R., New Jersey

View more best Legal Credit Repair testimonials here


MOST ESTABLISHED CREDIT REPAIR SERVICE - CREDIT DEBT REPAIR PROFESSIONALS

Sky Blue Credit Repair - Sky Blue Reviews

Sky Blue Credit Repair
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Actual Sky Blue Credit Repair reviews and testimonials

"An absolutely fantastic experience from the start, brilliant and friendly. I recommend Sky Blue Credit Repair to anyone with credit issues."
- Robert B

I've been so impressed with everything - from the customer service to the awesome results. Sky Blue is the gold standard for credit repair. "
- Russell H.

"You provided a completely satisfying experience from day one. And now, six months later, I can tell you that your credit repair service was a life saver."

- James R.

"I was absolutely terrified when I had to approach the fact that I had horrible credit. I did not know where to turn first. I searched Google and found hundreds of results and was confused beyond comprehension. Then I found funnewjersey.com and read their reviews. I emailed funnewjersey.com support several times before I made a great discovery. funnewjersey.com said to call the owner of SKy Blue Jim Kemish and speak with him personally before I made any decisions which I did and boy am I glad I did! Jim put me at ease, got me into the program and cleaned my credit almost effortlessly. I was approved for my mortgage almost 7 months later (could have been sooner) but my first dream deal (house) was swept from under me which was ok because in the interim of fixing my credit, I found an even better house that was almost $32,000 cheaper! Things must happen for a reason. Thanks to Sky Blue and funnewjersey.com, my fico score jumped from a 611 to a 704."
- Terry L., Lake Champlain NY


BEST CREDIT REPORT REPAIR COMPANY - CHEAPEST CREDIT REPAIR

The Credit People - The Credit People Reviews

DSI Solutions Credit repair
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Actual The Credit People reviews and testimonials

"My 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

"...it 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


"I 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

"Does 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"
- FunNewJersey.com


CREDIT REPAIR THAT IS ABOVE AND BEYOND - TREATS EVERY CLIENT WITH EXCEPTIONAL SERVICE

Attractive Credit- Attractive Credit - Credit Repair Reviews

Attractive Credit - Credit repair
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Actual Attractive Credit reviews and testimonials

"My credit scores went from the low 500's to the mid 600's in 2 months. Nice!"
-
Carmen D., California

"Thanks for the updates and helping me with my credit. I got approved for a mortgage loan"
-
Mr. C. Reyez., Texas

"I can't say enough for how responsive they have been to my emails. Their web site is very user friendly and I work directly with the person repairing my credit, No middle man like other credit repair agencies... Been with them for about a month now and I'm quite pleased so far.. Thank you"
-Terry W., Alabama


MOST RELIABLE CREDIT REPORT REPAIR SERVICE - OLDEST AND MOST EXPERIENCED CREDIT REPAIR SERVICE

Lexington - Lexington Law Reviews

Lexington Law Credit repair review
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Actual Lexington law reviews and testimonials

My 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

I 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

Lexington 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.
- FunNewJersey.com


CREDIT REPAIR COMPANY THAT HAS SHOWN US THE BEST RESULTS - FOWLER AND FOWLER

Fowler and Fowler- Fowler and Fowler Credit Repair Reviews

FowlerandFowler.Net Credit repair service review
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Actual Fowler and Fowler reviews and testimonials

"I just wanted say what a great job your company is doing with our credit reports. When we started, my credit rating was 525......my credit is now 687 and my wife's is 668. We just bought a million dollar house at a decent interest rate and we have 4 new credit cards with limits over $5k each which is important because I travel so much in my business. Please keep up the good work! Thank you,"
B. Jarrett, Fenton, MI

"Thank you Fowler and Fowler for getting such quick expedited results for me and my wife. We were able to relocate and buy a home in the San Francisco Bay area , which had been our dream for the last six years. My score went up 70 points and my wife's 123 points in just 3 months. These fico score increases helped us secure a mortgage together. Thank you Michael for helping make our family dream come true. Words in this mere letter could never have enough weight to say the enormous thank you that is and will always be in our hearts"
- Jim and Sandy F., Ridgecrest, CA

"I have used Fowler and Fowler personally and I still truly can't believe the results I have seen with this great credit repair company. Fowler and Fowler achieved 21 deletions in 10 months for me. I had a lot of negatives so it took a little longer than the average person might take. They get the job done very quickly and will not string you along month to month. This is by far one of the best credit repair services out there today. If you had to choose only one company on this top 10 list, Fowler and Fowler would be a great choice. Try this company and then please
E-mail us at FunNewJersey.com with your experience and I will add it to these testimonials. I give Fowler and Fowler my personal endorsement as one of the best overall Credit repair companies in existence"
- Charles Daidone - Owner FunNewJersey.com


"All I have to say is WOW. I was leery about using you at first. I was thinking there was no way things can come off of my credit report and thought the price was to much. Now after the year is over, it was worth every penny and I think even more. I seen a foreclosure, repossession and a bankruptcy and bunch of credit card bad debt come off. Things due to a bad divorce. Now I have been able to purchase a vehicle with financing from my local bank, bought a house at a good rate and have a couple emergency credit cards with limits I never though I could get. I would recommend this to anyone who want to clean up there credit. Whenever I had to call in and talk to customer service or my case worker, my service was outstanding and if I had to leave a message, it was returned promptly. I want to thank you ALL for your help and the things you have done. Thank-you so much,"
J. Frueh, North Pole, Alaska

MOST IMPROVED CREDIT REPAIR SERVICE

Ovation Law - Ovation Law Solutions Reviews

Ovation Law Credit Repair Review
See Website

Actual Ovation reviews and testimonials

"Does exactly what Lexington Law does but with a little more personalized service and is a little cheaper than Lexington also."
- FunNewJersey.com

"We average 19 improvements per client! So what is an improvement? An improvement consists of deletions, falloffs, or a more positive status for an account. Our programs are designed to focus on core reporting issues. Our team works to make sure that your credit report reflects accurate, complete and correct information. This goes well beyond simply seeking a deletion; if an item is yours, are all components of the item reported correctly and accurately? Our approach has generated tremendous results. Our clients find, on average, 19 improvements to their combined credit reports. These improvements generally lead to higher scores and better borrowing opportunities.
- Ovation law Website

"Dear FunNewJersey.com. I just wanted to touch base with you about your credit reviews on your website. Although I have only tried one on your list (Ovation) and not through your recommendation because this was prior to finding your page..., I wanted to give you feedback that I had 12 deletions in a 5 month period with Ovation. This company gets the job done! I can't say enough about Ovation Law and their team. Thank you for your reviews. Being that you have Ovation as your #9 choice, do you think I should try the suggestions you have in the #1 or #2 spot just to get a different company with different techniques to try and tack a whack at it? Or which on your list do think i should try next. Please email me with a recommendation!"
- Emailed to FunNewJersey.com

BEST UP AND COMING CREDIT REPAIR BUSINESS SHOWING QUICK RESULTS

Veracity Credit Consultants Credit Repair
- Veracity reviews

Veracity Credit Consultants
See Website

Actual Veracity reviews

"Thank 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)

"I have seen a great increase in my credit score and believe I am now on the right track. Thank you so much as I have just bought my first home! I will be contacting you to begin consulting with my fiance as he needs some help with his credit as well. Thanks again,"

- Torria (Taken from the Veracity Website)

MOST COMPLETE CREDIT REPAIR SERVICE

Academy Credit Full service credit repair!

Academy Credit Repair
See Website

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

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.

Believe 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 lnes, 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.
 
The Process


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.

By Law, a credit restoration firm is not allowed to charge you for their services before they perform work on your case. If you are charged up-front and did not receive any services, 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 online sign up form.

Step 1

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.

Step 2

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.

Step 3

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.

Step 4

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.

Step 5

After the credit bureau investigates your disputes, they will mail their findings and a copy of your recent updated credit report to your house.

Step 6

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.

Step 7

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 it 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 result.
 
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. This is 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, 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  within 30 days to verify what you 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 your file. 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 moset recent update that we have to report is that Sky Blue Credit Repair just changed their pricing from a $49 set up fee to $59 and their monthly program price also jumped from $49 to $50 per month in March of 2014.
 
This page was just checked for accuracy and last updated on 3-30-14.


TOP CREDIT MONITORING COMPANIES
CREDIT MONITORING SERVICES

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TrueCredit.com
They provide Fako's (scores that are not real fico's) but they offer a great monthly service that notifies you with any changes or updates to your credit reports. We use it in conjunction with Myfico. It is well worth the $14.95 per month fee.

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