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Having a bad credit report is not a good situation. If you have a bad credit report, then you cannot apply for a loan or mortgage. If you even get one, your interest rate will be higher than usual. And, it is not easy to convert bad credit to a good one. This is where a credit repair company can help you. They have the essential knowledge and experience to fix the credit.
Let me inform you that you can also learn to turn your bad credit report into a better one. But the credit repair companies are professional in their work. So, working with a credit repair company will be a better option.
Unfortunately, not all companies are trustable. It is even harder to believe such companies since Federal Trade Commission (FTC) claimed that the credit repair industry is full of frauds. Most companies claim something they cannot fulfill, for instance they can remove bad credit.
Luckily, we have gathered some of the most trustable credit repair companies in this article. Read on to know about their work and charges.
1. CreditRepair
CreditRepair.com is working in the credit repair industry since 2012. They have successfully removed bad credit from more than 100,000 credits. They have established them as one of the best in the industry.
Visit their site and sign in. As soon as you sign in, they will take your credit card detail and analyze it to search for bad items. You will also get a personalized plan which will help you to remove bad items which are affecting your credit. They use different methods to improve your credit.
They have three different credit repair offers. You can choose one according to your need. The first offer is called direct, which starts from $69.95 monthly. It covers 15 negative items and 3 creditor disputes each month.
The second package is standard, and their monthly fee for this offer is $99.95. This offer includes almost everything, that is
- Letters to creditors
- Quarterly credit score analysis
- Hard inquiry challenging
- 24/7 credit monitoring
The last package is called advanced. This offer covers all of the credit repair needs. In this offer, they will 19 negative items and 6 creditor disputes. Moreover, you will also get a FICO credit score. Identity protection with a $1 million dollars insurance. And you will also get to use personal finance tools. The monthly charge for this offer is $119.95.
2. Lexington Law
Lexington Law is one of the oldest credit repair companies. They are in business since 1991. This old age also makes them most trustable in the industry. Before you can ask them to do your work, they will give a free 10 minutes consultation. This consultation will explore your current credit situation and which
options you can use to improve it.
They are serving in all states except for North Carolina and Oregon. This company deals with all credit repairs. It can be either dispute information, bankruptcies, foreclosures, or any other issue.
Within a month, you can three credit repairs by spending 89.85 dollars for the basic plan. The fee rises to $129.95, which can include more services in the offer.
3. Credit Saint
Credit Saint was established in 2004. So, it is also one of the oldest companies in the credit repair industry. Credit Saint stands in the A+ category with Better Business Bureau. And also has excellent reviews from third parties like Consumers Advocate.
Credit Saint claims to give money back within 90 days if you don’t get the exact results. They also offer free consultation on the phone. Their fee ranges from $79.99 to $119.99 per month. They also charge a first work fee of $99 to $195, which depends on the offer you choose.
Credit Saint has a drawback in that you will have to pay an upfront fee to start the work. And the monthly fee is separate.
4. Sky Blue Credit
Sky Blue Credit is another old company. They are repairing credit since 1989. And it is a trustworthy company. Their best service is transparent pricing. Their monthly is $79 for individuals and $119 for couples. Just like Credit Saint, they also charge an upfront fee which is equal to the monthly charge on the account.
They can monitor your credit score and dispute damaging items. Moreover, they are also offering:
- Debt Validation
- Goodwill letters
- Cease
- Desist letters
They do have confidence in their service. Thus, they give a money-back guaranty. If you are not satisfied with their work, you can go and ask for a refund.
5. The Credit People
Credit People also has good experience in the industry. They are repairing credit for more than 15 years. Furthermore, they give fast output. They claim to repair your credit within 60 days.
Like any other credit repair company, they have the same general principle of work. But their pricing is a little bit different. You can get their offer for $19 and pay only $79 monthly. You can also pay $419 to hire them for 6 months. This subscription can save you some extra bucks.
You can trust them as they have many satisfied clients. Also, they have great reviews from third parties like best company.
6. Pyramid Credit repair
Pyramid Credit Repair is in the business for the last decade. And they also have a money-back guarantee. You may have certain credit issues or odd working hours. In this case, you can contact their 24/7 customer support to seek guidance.
They work with a simple pricing scheme. For individuals, they only charge $99 per month, and the monthly charge for couples is $198. And to secure your identity, you can pay an extra fee of $25. This security includes credit monitoring and dark web monitoring.
If you wish to inquire more, you can see their positive reviews on Trustpilot. And they are also available 24/7 for a call interview.
7. Supermoney
Supermoney is not a credit repair company. It is a platform, and you can use it to compare different credit repair companies. So, if the above-given list was not good enough, you can go on the site of Supermoney and search for more companies.
On the site, you can see the exact difference between several credit repair companies. Supermoney shows their monthly fees, initial fees, and method of reporting credit in an organized way.
On this site, you can also seek help for loans, credit cards, mortgages, and banking. Thus, it is a completely free package. All you need to do is find the services which suit your needs.
Alternatives for credit repair companies
You can trust the working of the credit repair companies as they are professionals. But what if you are looking to save money? In this case, we have some free alternatives for you. You can use them to remove bad credit and cross your hurdles.
8. Credit Sesame
For good credit, the credit score is the most important factor. You do need to keep it in the positive zone to apply for different loans or mortgages. Using Credit Sesame, you can get your free credit score each month. They are using TransUnion to send a score. This score will help you not to cross a certain limit.
So, to get your free score, you need to create an account on this site. And provide necessary details to calculate the score. On the site, you will also get tips to manage credit and loans according to your profile. Moreover, their tips will help you to save money.
9. Credit Karma
Credit Karma is another free site that can help you to plan your financial life. But they will send you the credit report and score on a weekly basis. They use TransUnion and Equifax to transfer Credit scores. If you think that you do use credit a lot, you can use Credit Karma as it gives the report quicker.
The Credit Karma team will help you to take steps that can save money. These recommendations are based on your credit score. Moreover, you can use their tools to do better financial planning.
If you think that their services are good enough, then go and enjoy them as they are completely free.
Conclusion
Having a bad credit score is not good. If you have one, you cannot ask for any loan, mortgage and it can even affect your job situation. You can still get a loan, but it will have higher interest rate. Thus, you should avoid bad credit score.
There are many companies that can help you to remove bad credit. And in our list, there were names of some best companies in the credit industry. They can help you to remove bad credit with ease. Just choose the company that suits your needs and financial situation. And if you are looking to save money, you can use the above given free options like Credit Karma.
We hope that the article was useful for you. If you have any queries, you can leave them in the comment section below.
