Some or all of the offers that appear on this page are from third party advertisers from which FinanceBuzz receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Just remember that you too can learn what to look for and if you have the time, discipline, and patience to stay on top of the process, you can do it yourself at no cost. Considering how time-consuming the entire process is, you may not see results for months — if you see results at all. They also offer information on the most common collection agencies and phone numbers that may call you.

We will continue to work on your credit and implement results-oriented strategy as long as it takes to get your score where you want it to be. We hire only the best, brightest and award-winning credit analysts that have the same morals and integrity that our company believes in. You can weigh extra features and other offers to ensure they meet your preferences and needs. Meaning all listed features above, such as disputes, challenges, or verifications, are unlimited. So you’ll get recommendations from the same credit specialists measuring your FICO score. You’ll need to wait for business hours to get in touch with Sky Blue Credit professionals.

Credit repair companies often find ways to target individuals who are struggling with debt, offering promises of easy financial freedom. But the services offered by these companies come at a significant cost that can send folks with existing financial problems even further into debt. And there’s creditrepair can actually improve your credit score. Premium packages may provide more comprehensive dispute services that include multiple or unlimited credit disputes each month across all three main credit bureaus.

If your credit report suffers from discrepancies or inaccuracies, Safeport Law has the expertise to address these issues. Credit Saint has established itself in the credit repair industry over the past 17 years, earning a solid reputation. It offers a free initial consultation for new customers and manages all interactions with credit bureaus once a customer selects one of its service packages. These packages begin at $79.99 per month with a setup fee starting at $99.

In addition to filing disputes, many of these firms also market services such as credit monitoring, identity theft protection, debt validation, and educational resources. If you check your credit reports and find errors, you have a legal right to dispute them. Under the Fair Credit Reporting Act (FRCA), you can send a dispute letter to the three major credit bureaus about errors in their report(s).

How Do Credit Repair Services Work?

Their process begins once you complete the sign-up form, at which point they review your credit report to identify disputable items. Sky Blue also offers personalized tips to help you start rebuilding your credit. Safeport Law employs a distinctive approach to improving consumers’ credit scores, leveraging a team of experienced attorneys and consumer advocates well-versed in credit reporting laws.

One of the main ways to repair credit is to immediately start and continue to make on time payments to your current credit obligations. If you have several credit cards, be sure to make each personal loan payment on time. Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer’s credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions.

Ovation Credit

With over 13 years in business and a team that includes in-house licensed attorneys, they offer a well-rounded approach for people looking to fix credit issues and keep an eye on future problems. With more than 30 years in business and an A+ rating from the Better Business Bureau, they offer a stress-free credit repair process backed by a 90-day money-back guarantee. Strengthen your disputes by uploading key documents like billing statements, ID proof, or payment receipts. These files are stored with bank-level encryption and linked to specific dispute claims, helping ensure accuracy, compliance, and a higher chance of successful outcomes during the credit repair process.

Plus, they support their service with a no-conditions 90-day refund policy. If no deletions occur from Equifax, Experian, or TransUnion within 90 days, clients are entitled to a refund of the amounts paid during that period. For those opting to work with The Credit Pros, a one-time setup fee starting at $119 is required. Subsequently, a monthly fee beginning at $69 applies, depending on the chosen package from the three available.

This transparent pricing model provides a complete set of tools for those looking to improve their credit status. An introductory assessment at no cost will help determine the best fit for their needs. Package prices range from $69.95 to $119.95, with a first payment equal to the monthly rate for each tier. This prevents us from working with outdated or incomplete data, and allows us to analyze, monitor, and work on your credit history quickly and accurately.

In the past, it seems this company has limited disputes to 15 a month—five for each of the major credit bureaus. To help you find a reputable credit repair service, we’ve researched over a dozen companies, analyzing their services provided, pricing, transparency, time it takes to see results, and company reputation. Their fees are subject to change, but all figures on our list are current as of July 22, 2024.

Accredited Debt Relief works by negotiating with your creditors to settle your debts for less than you owe. Ben Luthi has worked in financial planning, banking and auto finance, and writes about all aspects of money. His work has appeared in Time, Success, USA Today, Credit Karma, NerdWallet, Wirecutter and more. Learn about the status of FTC online services and website information updates during the lapse in funding. The CreditWise Simulator provides an estimate of your score change and does not guarantee how your score may change. A credit privacy number (CPN) is a nine-digit number that’s formatted like a Social Security number (SSN).

We are not a debt consolidation agency; we are a credit repair company. While some credit repair agencies may handle debt consolidation, our company focuses on credit services rather than debt consolidation. Paying debts off, credit cards, or other debts, on your credit report does NOT guarantee the account will then be deleted or removed from your credit history. Our credit score specialists can help you create a healthy, handcuff-free financial future. By evaluating your credit, we are able to unmask the specific items that are damaging your credit score.

A payment that’s 60, 90 or 120 days late will hurt your credit score more than one that’s 30 days late. This includes the range of potential fees and how transparently they are disclosed in advance. We also looked at the number of years a company has been in operation, guarantees, and cancellation policies.