With so many credit repair companies offering different tools to consumers, choosing the best company for you can be very challenging. To make your work easier, here are 5 of the best credit restoration agencies reviewed by AAACreditGuide.
Lexington Law is a licensed and bonded law firm that was established in 1991. With more than 25 years of experience in credit repair, the company has served over 500,000 clients to date. Here’s a detailed review about it.
Time Frame –The company takes about 4 months to repair your credit. However, this may vary based on the number of items on your credit report that you need to dispute. Lexington Law promises to remove a total of 10 items on your credit report per month.
Cost – The company does not charge an initial setup fee, but you need to pay $ 79.95 per month to use their services. Note the company can pull your credit reports for you.
Reputation – The company’s BBB rating may only be A-, but they still offer one of the best services in the credit repair industry.
Guarantee – Lexington Law does not offer a money back guarantee. However, they will charge you till they finish all the work they agreed to do for you.
Customer Service and Support – The company boasts has the best customer support. Their friendly representatives are available 24/7 to answer your questions and concerns.
Program Details – Lexington Law offer free credit score and credit report summary to both new and current subscribers. In addition, it does not lock its customers into a contract, which allows you can cancel their service at any time. They also provide monthly identity theft protection and credit monitoring, and work with 3 credit bureaus and your creditors.
Free credit score and credit report summary More than 25 years of experience You can cancel the service any time The company offers $50 discount in the first month to couples who sign for the service at the same time No set up fee required
There’s no money back guarantee provided.
Overall, the expertise, excellent customer support, good reputation and flexibility of Lexington Law makes it is a top choice for those who are in need credit repair.
Sky Blue Credit
Having been in business since 1989, Sky Blue Credit has over 20 years of experience in the credit repair industry. The company promises to restore your credit within 6 months. Here’s a detailed review of Sky Blue Credit:
Time Frame – The company works to restore your credit within an average of 6 months. However, the time frame can be shorter or longer depending on your specific situation. It disputes 15 items at once on your credit report across 3 credit bureaus.
Cost and Fees – Using Sky Blue Credit Repair services costs only $59 per month. When you enroll with the program, you’re also charged $59 set up fee. Couples also get a 17% couples discount off their monthly and setup fees when they sign up together.
Reputation – The company has a A+ BBB rating (Better Business Bureau), a sign of its excellent reputation.
Guarantee – Sky Blue provides a full 90-day money back guarantee that entitles you to a full refund of your money in case you are not satisfied with the results you get.
Customer Service and Support – The company’s customer service representatives are very friendly and responsive to phone call and emails. In addition, they take their time to explain to you what their service is all about without hard-selling.
Program Details – The company doesn’t provide clients with all the fancy features other companies offer. For instance, you won’t be able to track your progress or monitor your credit. However, they work with several credit bureaus that will provide you with these services at a small monthly fee. Pros · You can cancel the service at any time · The provide a 90-day money back guarantee · The company has over 20 years of experience and A+ BBB rating · It has excellent customer service and affordable prices. Cons · It depends on third-party companies for credit pull and monitoring, which you need to pay for separately. · It does not work with your creditors in clearing your credit disputes. Overall, the quality customer service, competitive prices, money-back guarantee and good couple’s discount of Sky Blue Credit Repair make it one of the best credit repair companies to consider.
Creditrepair.com is increasingly becoming popular with those who have bad credit. They provide several useful features and good quality educational resources on topics related to finance and credit.
Time Frame – The company works to restore your credit within an average of 4 months. However, this may vary based on your situation. It is important to note that the company disputes all the items on your credit report that you want to challenge
Cost and Fees – Using the services of this company costs $99.95 per month. However, there is no setup fees charged. Your credit report is pulled by the company for a one-time fee of $14.99, after which there are no extra charges. And if you sign with your partner, each of you gets a $50 discount off your first payment.
Reputation – The company has a BBB rating of A+.
Guarantee – Creditrepair.com does not offer a money back guarantee.
Customer Service and Support – Creditrepair.com provides several useful features as well as good educational resources on topics related to finance and credit on their website. However, their customer service representatives are not responsive to emails from customers.
Program Details – The company works together with credit bureaus and your creditors and provides monthly identity theft protection and credit monitoring. In addition, They obtain your credit report for you, but at a small fee. If you are not happy with the service, you can cancel anytime without being penalized.
The company offers a discount of $50 in the first month to couples who sign together It provides great educational resources on finance and credit on its website You can cancel the service any time you want The company obtains your credit report on your behalf
They lack in customer service. They don’ provide money back guarantee.
Overall, Creditrepair.com is a great choice for those who want both credit repair and monthly credit monitoring.
The Credit People
The Credit People has skilled workforce dedicated in helping you improve your credit score. It provides competitive prices, money-back guarantee, educational materials and much more. Here’s a detailed review:
This company takes about 6-7 months working with clients to restore their credit. However, this may change based on the items you want disputed and your specific situation. In addition, the total number of items removed on your credit report per month varies depending on the plan you’ll create together with them during free consultation they provide.
Cost – The company charges an initial setup fee of $19 and a monthly fee of $59. In addition, pulls your credit report for you for free. Couples who sign up together also receive a total of $40 discount off their first month’s payment.
Reputation – The company’s BBB rating may only be C-.
Guarantee – The Credit People offers a full money back guarantee on its services, which entitles you to a full refund if you’re not satisfied.
Customer Service and Support – Their customer service representatives are very willing to provide any information you ask accurately. They respond well to phone calls but don’t reply emails.
Program Details – The service lacks some features you’d expect in a credit repair company for instance, identity theft protection, monthly credit monitoring. However, it works with your creditors to ensure all the negative items are permanently removed from your credit report. They also allow you to cancel the service whenever you want.
They provide money back guarantee You can cancel the service at any time without penalty They provide great educational materials They offer a total couples discount of $40 in the first month. They have friendly and helpful customer representatives. They pull your credit card report for you.
They don’t respond to emails. They lack some advanced features.
Overall, The Credit People may not have many program features, but their prices are competitive, and representatives are helpful. In addition, they allow you to cancel the service without penalty, and provide a money back guarantee. For these reasons, they are highly recommended.
After reading the above credit repair companies reviews, it should be much easier for you to choose the right company that will provide you with the best services.