SPONSORED: 8 Best Credit Repair Companies of 2022: Raise Your Score Fast
Nobody wants a situation where they get a golden investment opportunity, only to be rejected by creditors because of a poor credit score. Even worse, getting a financial emergency, only for poor credit to stand in your way. The thing is we can’t control financial needs, but we can control how prepared we are when…
The post SPONSORED: 8 Best Credit Repair Companies of 2022: Raise Your Score Fast appeared first on WND.
Nobody wants a situation where they get a golden investment opportunity, only to be rejected by creditors because of a poor credit score.
Even worse, getting a financial emergency, only for poor credit to stand in your way.
The thing is we can’t control financial needs, but we can control how prepared we are when they arise.
How do you prepare? With the best credit repair companies!
And, we want to see you choose the highest-rated credit repair companies, so we did all the shortlisting for you.
Ranked on factors like reputation, turnaround times, user-friendliness, customer support, and affordability, we made sure these credit repair agencies have what it takes to help you comfortably resolve your credit issues and have a pleasant appeal before lenders.
This review breaks down all you need to know about choosing the right credit repair service for you. That being said, we believe that Lexington Law is one of the top services out there based on customer ratings and its excellent finance tools.
Let’s check out the rest!
Best Credit Repair Companies:
- Lexington Law: Best overall credit repair company
- CreditRepair: Top credit repair agency in progress tracking
- Credit Saint: Most personalized plans
- Experian: Top affordable credit fixer
- The Credit People: Offers money-back assurance
- Ovation: Unmatched credit repair company discounts
- Sky Blue: Fast creditor disputes
- The Credit Pros: Fastest growing credit repair company
Disclaimer: This is not a financial advice article. Please contact a financial advisor if you need financial assistance. Investors should do their own research on products and services and contact a financial advisor before opening accounts or moving money.
1. Lexington Law - Best Credit Repair Company Overall
Pros
- Lawyer-driven
- 77M+ removals
- High customer ratings
- Amazing personal finance tools
- Flexible plans
Cons
- Premium price
Everyone wants to know that their credit issues are being handled by professionals.
It doesn’t get more assuring than knowing that Lexington Law is led by a team of dedicated attorneys experienced in credit repair.
Lexington Law has been around since 2004 and has done over 77M removals from credit reports, demonstrating just how seasoned it is.
Moreover, the credit repair service has an illustrious record too, and their excellent 4.4/5 Trustpilot customer rating tells you everything you need to know.
Usability: 5/5
Curing your credit problem on Lexington Law follows an easy credit repair process;
- Setup and Discovery
- Challenge and Dispute
- Manage and Monitor
You get two options for signing up. You can choose to sign up on the site, or you can choose to call customer support instead if you desire some assistance.
Furthermore, a credit consultation is absolutely free, and with it you get;
- Free credit score
- Free credit history summary
- Repair plan recommendation
You don’t have to be super knowledgeable about credit to fix your credit with Lexington Law.
A credit expert will break down everything for you, and point out negative items that may be harming your credit score.
After this, the credit professionals will challenge the items to your creditors and all 3 major credit bureaus for removal.
Features: 5/5
You’ll love to know that 89% of Lexington Law clients see their credit score improve by 40 points.
Additionally, the service also gives you personal finance tools and guides that can help you nurture sustainable and healthy financial habits.
Better yet, there are iOS and Android mobile apps, which make it a lot easier to track and receive updates on your credit repair.
Pricing: 4.8/5
- Concord Standard - $95.95/m (Bureau challenges and Creditor Intervention)
- Concord Premier - $119.95/m (Concord Standard + Credit score analysis, TransUnion alerts, Report Watch, InquiryAssist
- Premier Plus - $139.95/m (Concord Premier + Cease and desist letters, FICO Score tracker, Identity monitoring, personal finance tools
Lexington Law might not be the cheapest credit repairing company, but because its plans are extensive, it goes a long way to giving you bang for your buck.
Moreover, if you go with the highest plan you get identity monitoring, a good measure to keep identity thieves from hurting your credit score.
Free Consultation With Lexington Law
2. CreditRepair - Offers Convenient Updates
Pros
- Informative education resources
- 26M+ disputes
- 4.3/5 Trustpilot score
- Sends text and email alerts
Cons
- Relatively high initial fees
CreditRepair strives to help you and your credit build a healthier relationship. Moreover, with a Trustpilot score of 4.3/5 - CreditRepair illustrates how satisfied its clients are.
In fact, they’ve helped over 850,000 clients since 2012, seeing more than 8.2 million removals during that time.
Usability: 4.9/5
Your credit repair ship will set off with a free credit consultation, and with it, a credit expert will;
- Gather your information
- Review your credit history and negative items
- Recommend a credit plan solution
Even more, the credit expert will help you understand your credit history, and all you have to do is sign up and watch. Pretty convenient?
Also, during the consultation, you’ll receive a free credit score, a credit report summary, and a negative item breakdown to help you know what needs to be challenged.
Features: 4.8/5
When the actual repair begins, you’ll have a customized online dashboard to easily monitor progress. Better yet, the service has great mobile apps to allow for a seamless on-the-go experience.
Additionally, you too can take active steps in building your credit reputation, e.g. with the company’s credit education tools to help you learn personal ways to boost your credit score.
Pricing: 4.9/5
- Direct - $69.95/m + $69.95 initial fee (Credit score updates, monthly 24/7 credit monitoring, goodwill assistance, inquiry assist)
- Standard -$99.95/m + $99.95 initial fee (Direct plan + FICO score and inquiry assist)
- Advanced - $119.95/m + $119.95 initial fee (Standard plan + unlimited bureau, credit challenges, cease and desist letters, monthly credit score updates)
CreditRepair offers credit monitoring with all its plans, which makes it easier to catch negative items as they appear on your credit report.
To cap off, if you select their highest plan, the company gives you unlimited bureau and creditor challenges.
Besides, it also includes creditor intervention to ease the pressure that debt collectors might pile on.
Free Credit Consultation With CreditRepair
3. Credit Saint - Excellent Credit Repair Tailored Plans
Pros
- 90-day money-back guarantee
- A+ BBB rated
- Personalized plans
- Results in 90 days
Cons
- Not available in a few states
Ranked as a credit repair industry leader by top sites like Observer, ConsumerAffairs, and Money - Credit Saint has the repute to justify its popularity.
Furthermore, the reputable credit repair company is accredited by the Better Business Bureau with an A+ rating, showing it's committed to the best practices.
Usability: 4.8/5
We have to mention that Credit Saint isn’t available in about 5 states, including Georgia and Kansas.
Apart from that - you’ll like the company’s straightforwardness.
Simply, you’ll tell a credit professional your credit grievances, and they’ll help you pick out potential inaccuracies on your credit report for free. After which, they’ll dispute the records to your creditors and the major credit reporting agencies.
Moreover, you’ll be provided with a personal dashboard, from which the company will keep you in the loop of your credit fixing progress.
Features: 4.7/5
Credit Saint states that its customers start seeing results in 90 days, and that’s impressive.
Additionally, it holds its own by giving you a 90-day money-back guarantee, to give you some confidence in them.
Besides, it’s not just about bad credit. Credit Saint also looks for the positives in your credit report and advises you on how you can leverage things like timely bills to improve your credit score. Amazing, right?
Pricing: 4.8/5
- Credit Polish - Medium Aggressiveness - $79.00/m + $99.00 setup fee
- Credit Remodel - High Aggressiveness - $99.99/m + $99.00 setup fee
- Clean Slate - Very High Aggressiveness - $119.99/m + $195.00 setup fee
The best thing about Credit Saint’s plans is that there’s a package for every budget and credit need.
The two highest plans even add inquiry targeting, with the Clean Slate plan giving you the robustness of unlimited challenges to cover your credit issues all through your plan’s lifetime.
Results In 90 Days With Credit Saint
4. Experian - Cheap Credit Repair Services
Pros
- Free dark web scan
- Free instant credit boost
- Toll-free support
- Great ID protection services
Cons
- Not so beginner-friendly
Being one of the three major credit bureaus in the US, Experian’s national credit agency status lends it all credibility.
Moreover, if you’re on a budget, this is one of the best services for you, and you’ll see why.
Usability: 4.7/5
As a consumer credit reporting agency, you can approach Experian with your credit report errors, and they will approach your creditors on your behalf and challenge them to prove those additions.
If your lenders can’t justify themselves, the faults will be erased from your credit report and your credit score will increase.
Still, you’ll have to figure out your credit report flaws on your own before making a dispute with Experian.
Features: 4.7/5
Additionally, Experian has a free Experian Boost feature that can instantly boost your FICO Score by 13 points.
Moreover, the credit repair agency has a line of free services that you can take advantage of, and they include;
- Free credit report
- Free credit score
- Free credit monitoring
Better yet, Experian offers the best identity protection services here. This includes 24/7 credit monitoring to stave off fraudsters from hurting your credit reputation.
Along with this is an Experian credit lock feature that can help you stop unauthorized access to your credit file.
Lastly, Experian also has an Experian GO service with insightful financial management tools that can help you make great strides towards your financial goals.
Pricing: 4.8/5
- CreditWorks - Experian credit record and credit score - Free
- CreditWorks Premium - 3-bureau credit records and credit scores - One time $39.99 fee
Free Instant Credit Boost With Experian
5. The Credit People - Market-leading Credit Clean Up Guarantee
Pros
- 6-month satisfaction guarantee
- 15+ years of experience
- 24/7 personal account access
- 53-187 estimated points increase
Cons
- No money-back with monthly plan
With over 15 years in the credit repair industry, The Credit People seeks to give people a hassle-free experience in transforming their credit.
Better yet, the company estimates it could increase your credit score by 53-187 points, which is an incredible margin to help you climb up the credit tiers.
Usability: 4.6/5
From a completely free consultation, an experienced credit agent will pull your three credit bureau reports and credit scores and challenge wrongful additions on your report to creditors and credit bureaus.
To add on, you’ll be provided with an online account to give you 24/7 access to view all actions taken by the company regarding your case.
Features: 4.5/5
It’s great that The Credit People are speedy too. Matter of fact, the service promises you’ll begin to see results within 60 days.
Above all is the platform’s unmatched risk-free 6-month money-back guarantee, which wholesomely protects your trust in the company.
Pricing: 4.6/5
- Monthly plan - $19 setup fee + $79/m
- 6-month plan - $419 flat rate
The monthly plan doesn’t come with a money-back guarantee, still, if you choose to opt-out you’ll be refunded for that month.
The flat-rate option on the other hand offers you full protection, and with it, you get to save about $74.
6-Month Satisfaction Guarantee With The Credit People
6. Ovation - Excellent Credit Repair Agency Discounts
Pros
- A+ BBB rating
- Amazing discounts
- Customized plan additions
- Access to personal case advisors
Cons
- No money-back assurance
Credit repair can be challenging, but Ovation Credit Services aims to see that you clean up your credit reports without breaking a sweat.
Also, because of its great service, the company has attracted an A+ Better Business Bureau rating - to solidify its upstanding credit repair services.
Usability: 4.5/5
Mainly, Ovation Credit Services helps you review all your credit reports for inaccurate items, and afterward dispute them with your creditors and the credit reporting agencies.
Best of all is that you’ll have a personal case advisor to keep you informed and to also suggest other active measures you can take to increase your credit score.
Features: 4.3/5
On average, Ovation can raise your credit score by 19 points, a decent increase to raise your credit status.
To complement the credit repair, you could also tap into the credit education and financial tools and learn about more ways to build your credit health.
Pricing: 4.4/5
- Essential Plus - $89 first fees + $79/m
- Essential Plus - $89 first fees + $109/m
Ovation’s plans don’t have a money-back guarantee, but it’s interesting that the plans are customizable enough that you can choose to add more repair services.
Again, Ovation has perhaps the best credit repair industry discounts today to make credit repair more accessible for you.
The discounts are;
- 20% couple’s discount
- 10% military or senior discount
- $30 or $50 discount for referrals
- $50 discount if you switch from another credit repair company
20% Couple’s Discount With Ovation
7. Sky Blue - Top Credit Repair Company for Faster Dispute
Pros
- 90-day guarantee
- Started in 1989
- Faster dispute cycles
Cons
- Single plan
- No credit monitoring
For over 30 years now, Sky Blue Credit has built its forte giving consumers an easy and fast-tracked path to better credit.
Also, the service lauds itself in smarter disputes, as they can pick and challenge even the slightest negative records on your credit history to maximize your credit restoration chances.
Usability: 4.3/5
Once you register, Sky Blue Credit will review your credit reports in a free consultation.
The company will then get back to you with a summary of potential errors and a solution recommendation.
Features: 3.9/5
We like that Sky Blue understands the importance of urgency.
The service touts fast 35-day dispute cycles, in which as many as 15 wrongful credit report items can be disputed to creditors.
What’s better, you get a 90-day guarantee to cover your trust in them. So, if you’re not happy within the first 90 days you can pull the plug and get a refund.
It’s also good that your membership includes a Coaches on Call service, where you can get any information you might need involving the service.
Pricing: 4/5
- Individuals - $79 setup fee + $79/m
- Couples - $119 setup fee + $119/m
Sky Blue Credit doesn’t have the plan flexibility of most credit fixers here, even so, their couple’s plan saves you about $39 each month.
Lastly, the plans include score assistance and creditor intervention to assist you in self-improving your credit score and holding off debt collector communication for a while.
90-Day Guarantee With Sky Blue
8. The Credit Pros - Fast Growing Company To Help Fix Credit
Pros
- 90-day money-back guarantee
- Free credit monitoring
- Unlimited challenges on all plans
Cons
- Not available in all states
- High initial fees
The Credit Pros believes everyone deserves a fair shot at a good credit score, and that it is currently one of the fastest-growing credit fixing companies shows it's worth its salt.
Usability: 4/5
A credit repair specialist will help you identify damaging inclusions in your credit report.
Not only that, the specialist will as well also educate you on your credit report and help you make fewer credit mistakes.
Equally important, you’ll have a client portal for regular updates on how your credit repair is moving along.
Features: 3.8/5
You’d want to go for a credit restoring service knowing they’re trustworthy, right?
Good, The Credit Pros gives you a 90-day money-back guarantee. If nothing comes out of the disputes in the first 90 days, the company will fully refund your money.
In addition, the company adds free credit monitoring, which can help you prevent possible identity theft from injuring your credit score.
With credit monitoring also comes a dark web monitoring feature to get wind of any personal data breach on the dark web.
Pricing: 3.9/5
- Money Management - $69/m + $119 initial fee
- Prosperity - $119/m + $119 initial fee
- Success Plan - $149/m + $149 initial fee
High initial work fee casts a shadow on The Credit Pros credit repair packages, but the fact that you receive unlimited credit bureau challenges helps you cover as much ground as possible in reforming your credit score.
Finally, the two highest plans come with cease and desist letters and goodwill creditor intervention to temporarily calm down creditors as you work on your credit score.
Free Credit Monitoring With The Credit Pros
How We Picked the Best Credit Repair Companies
User-friendliness
To provide clients with the most seamless user experience, we made sure to choose reputable credit repair services that were easy to use.
All the sites we selected have user-friendly interfaces to give clients an easy time navigating the site. Better still, most credit repair companies have mobile apps to give you a smooth on-the-go experience.
Moreover, all these companies will provide you with a credit specialist who’ll review your credit report and clearly understand what might be affecting your credit score.
Affordability
Credit repair services can get highly expensive, thus we sought to select legitimate credit repair companies that offer some of the lowest prices.
For those that weren't necessarily cheap, we were keen to ensure that each plan offered very extensive credit repair and additional credit services to make it worthwhile for customers.
Complimentary Repair Services
To supplement the credit repairs, we wanted to see that consumers get additional benefits that would improve their financial well-being.
The companies we chose offer a host of other services like credit education, financial management tools, credit monitoring, and more tools that can help users protect and even raise their financial status.
Transparency
The most reputable credit services are honest with their service, and we were intentional in selecting sites that hold their own.
First, we checked user reviews and chose those with tons of high credit repair reviews.
We also ensured that these services offered a straightforward cancellation so that clients are trapped in monthly payments.
Additionally, many credit repair companies here give a satisfaction guarantee to refund unhappy customers.
Top Credit Repair Companies: FAQs
What Is the Best Company To Use To Fix Your Credit?
The best company to use to fix your credit is Lexington Law.
Lexington Law has done over 77 million negative item removals from consumer credit reports, which is the most we’ve seen yet.
Additionally, the company offers wide credit repair services, from credit repair to credit monitoring to credit education, and more.
How Do Credit Repair Companies Work?
Credit repair companies work by challenging potential inaccurate records on your credit reports to your lenders, credit bureaus, or both.
When your lender can’t justify the records within 30 days, the credit bureau will remove the negative record from your credit history and your credit score will increase.
What Is the Fastest Way to Repair Your Credit?
The fastest way to repair your credit is to repay large credit debt.
However, most people don’t have the finances to make a large debt payment. Thus, to repair your credit relatively fast, it would be thoughtful to challenge credit report inaccuracies with the help of credit repair agencies.
Is Paying Someone To Fix Your Credit Worth It?
Yes, paying someone to fix your credit is worth it.
The convenience that comes with paying someone else - an expert - to do it for you is better. And, because of an expert’s credit knowledge, you’ll have a higher success rate in cleaning your credit record.
How Can I Fix My Credit Quickly To Buy a House?
To fix your credit quickly and by a house, here are actions you can take;
- Assess your credit reports
- Challenge credit report mistakes to your creditors
- Make debt payments, especially big ones
- Pay your bills on time
- Ask a friend or family member with good credit to be an authorized user on their credit card
- Keep off credit purchases if you can
By fixing your credit quickly and effectively raising your score - you could even apply to loan services to get the funds you need, fast.
Can Credit Repair Companies Remove Paid Collections?
Yes, credit repair companies can remove paid collections.
Usually, it may take as much as 7 years for a paid collection to be taken off your credit history. Nonetheless, a credit repair company can write a Goodwill letter to your creditor and convince them with good reason to remove the paid collection from your report.
Can a Credit Repair Company Erase a Poor Credit History?
Yeah, a credit repair company can erase a poor credit history if it's wrongfully added.
If you have a poor credit history because of an erroneous addition by your lender, a credit repair service can dispute the records to your lender and if they can’t prove them, they will take it off your credit history.
Free Consultation With Lexington Law
How To Choose the Best Credit Repair Service for You?
To choose the best credit repair service for yourself, you first need to ensure that the company is reputable and that they have a proven track record.
You generally want to go for experienced companies, then you can check their online customer reviews to gauge how good they are with their clients.
Additionally, you should review the credit repair packages that a service offers to see that they fully cover your credit needs.
What Are the Warning Signs of Credit Repair Scams?
The biggest warning sign of a credit repair scam is a company that asks you to pay for your credit repair upfront.
Credit repair companies are bound by the federal Credit Repair Organizations Act to seek payment only after they provide the services.
Other warning signs to look for are;
- Asking you not to contact a credit bureau
- Guaranteeing a credit score increase
- Not honest with their cancellation policy
- Being unable to answer your questions
Best Credit Repair Companies - The Top 5 Summarized
1. Lexington Law
Pros
- Lawyer-driven
- Over 77M removals
- High customer ratings
- Amazing personal finance tools
- Flexible plans
Get your credit repaired by a lawyer-led credit repair process that sees most people increase their credit scores by 40 points.
Additionally, you’ll also access a range of financial tools to help you make better finance and credit-related future decisions.
2. CreditRepair
Pros
- Informative credit education resources
- 26M+ disputes
- 4.3/5 Trustpilot score
- Sends update texts and alerts
Conveniently work on fixing your credit while also learning from a collection of educational resources to help you avoid common credit mistakes.
Moreover, you’ll enjoy credit monitoring with any plan, and stave off identity thieves.
3. Credit Saint
Pros
- 90-day money-back guarantee
- A+ Better Business Bureau rating
- Personalized plans
- Results in 90 days
Have your credit repaired and begin to see changes in less than 90 days.
Also, the company will help you look at your positive credit and advise you on how to use them to raise your credit score.
4. Experian
Pros
- Free dark web scan
- Free instant credit boost
- Toll-free support
- Great ID protection services
Dispute errors on your credit report with a national credit agency and also use wide financial tools to build good credit habits.
Again, Experian offers 24/7 credit monitoring to protect your credit info from hackers and fraudsters.
5. The Credit People
Pros
- 6-month satisfaction guarantee
- 15+ year experience
- 24/7 personal account access
- 53-187 estimated points increase
You can start seeing results on your credit score in less than 60-days and many customers get to raise their scores by 53-187 points.
All, as your investment is protected by a leading 6-month guarantee.
Best Credit Repair Companies - Conclusion
Your journey to a better credit reputation is more at reach than ever before.
And, with the above reputable credit recovery companies, you can improve your credit from your device and watch the credit experts handle everything for you.
As a start, Lexington Law has the biggest credit fixing reputation. Add that with its high customer and comprehensive plans and the company snatches it as our best service.
Even so, CreditRepair and Credit Saint are close competitors, and they have amazing personalized credit repair plans.
All in all, just make sure to choose the best legitimate credit repair company for your credit needs.
DISCLAIMER: Use these credit score repair companies to tunes you can afford to avoid accumulating heavy debt.
The post SPONSORED: 8 Best Credit Repair Companies of 2022: Raise Your Score Fast appeared first on WND.