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8 Things To Look For In A Credit Repair Company

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How Is Your Credit Score Determined?

National Credit Advisor

National Credit Advisor

Pricing



First Work Fee$9.95
Monthly Fee$89.95

Features



Month-to-Month Contract
Identity Theft Protection
Licensed
Bonded
Registered with the Attorney General
Refund Policy

Services



Credit Score Analysis
Couple’s Discount
Dedicated Account Manager
Privacy Protection
Payoff Resolution

Help & Support



Email Support
Phone Support
FAQs
Online Registration
Telephone Registration
Online Account Management
Online Chat

National Credit Advisor is a trusted leader in the credit repair industry for a number of reasons. They are affordable, effective, highly trusted, and have a pricing model that is easy to understand. With National Credit Advisor’s personalized account dashboard you can stay up to date with your credit repair process 24 hours a day, 7 days a week. You can also pick up helpful tips and general credit education along the way. For a small additional charge you can choose to expedite your service, putting you on the fast track to better credit. For those who are looking for an even cheaper rate than standard, National Credit Advisor offer a range of discounts, including couples discounts, a veterans discount, a family discount, and even a friends discount. You don’t even need to be married to qualify for the couples’s discount which is the best part!

For National Credit Advisor’s low starting price you get a credit consultation with a certified analyst who will go over your lender report with you and create a personalized plan in order to dispute any negative items that could be affecting your score. Consultations like this with a certified professional would normally cost hundreds of dollars per hour, but you can pick the brains of the National Credit Advisor reps for nothing, and move forward for just $9.95.

All of the National Credit Advisor staff are located at the head office in California, meaning the credit experts on staff provide a service unparalleled by anyone in the industry. If you don’t feel like picking up the phone, there is email support 24/7 with US based staff to answer your queries and help you with your credit concerns. If you prefer a good old fashioned phone call, National Credit Advisor experts are available 12 hours a day, plus additional shortened hours on the weekend.

With transparent, easy pricing at $9.95 to get started with your 3-bureau credit report and credit consultation, then $89.95 per month for as long as you need them, National Credit Advisor make it easy for every consumer in the US to understand their credit situation, and gives consumers the chance to improve their credit and put them in a better financial situation.


Get In Touch:

If you’d like to speak to a National Credit Advisor Representative and see why they are one of the best credit repair companies, please go to:

National Credit Advisor

or Call (888) 459-7701

Pros

+ National Credit Advisor offers simple, transparent pricing at a price to rival any credit repair company. Couple this with exceptional, expert service and you have a powerhouse in the credit repair industry

+ With National Credit Advisor you have the opportunity to speed up the service and get started right away, allowing you to get results even faster!

+ Each and every client is given a dedicated account manager to look after your credit case, who you can call for advice, help and support at any time.

+ As a client you will be given access to your online dashboard, which is updated with your credit repair process and you progress through the program.

+ National Credit Advisor offer a range of discounts on an already low price, ensuring you only pay what you need to in order to boost your credit score.

+ Round the clock email support, and 12 hour phone support during the week with extra weekend phone support is a real positive.

Cons

– There is no phone support on Sundays

– National Credit Advisor only offer 1 simple pricing plan, whereas others have tiered pricing models giving the user more choice.

Contact Information

National Credit Advisor is located in California.

https://www.facebook.com/ncreditadvisor/

Hours of Operation

Monday – 9:00 am – 5:00 pm
Tuesday – 9:00 am – 5:00 pm
Wednesday – 9:00 am – 5:00 pm
Thursday – 9:00 am – 5:00 pm
Friday – 9:00 am – 5:00 pm
Saturday 9:00 am – 5:00 pm
Sunday Closed

Steps & Necessary Information


1. Get Your FREE Consultation

Give National Credit Advisor a call on 888-459-7701 and have a chat with one of their credit experts about how they can help you. This is an important stage for you to learn more about credit in general, or if you’re ready to get started and you know what’s on your credit file, you can go ahead and get started.

2. Let National Credit Advisor Pull Your Reports

Once you’ve decided it’s the right decision to boost your credit score, National Credit Advisor will pull your 3-bureau credit report and go through it with you for just $9.95. Here you will get a full insight into everything on your credit file. Everything is on the same phone call – no scheduling to be done.

3. Sit Back and Let the Experts Do Their Job

That’s it – you’ve done the hard (easy) work and provided National Credit Advisor with everything they need to work on your behalf to boost your credit up to where it deserves to be. You will have dashboard logins to check your progress, and the direct line of your personal case manager who will be available to help with anything you can think of throughout the process!

Summary


It is not often you find a company which couples exemplary, personal customer service at an affordable rate – especially in the credit repair industry! National Credit Advisor does just that – with personal credit case managers for each and every client, simple and transparent pricing and outstanding results, you shouldn’t look past National Credit Advisor.

With National Credit Advisor you’re treated like a valued client, as opposed to just another customer like with some other companies.

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The Credit People

The Credit People

Pricing



First Work Fee$19
Monthly Fee$59
Flat Fee (6 months)$299

Features



Month-to-Month Contract
Identity Theft Protection
Licensed
Bonded
Registered with the Attorney General
Refund Policy

Services



Credit Score Analysis
Couple’s Discount
Dedicated Account Manager
Privacy Protection
Payoff Resolution

Help & Support



Email Support
Phone Support
FAQs
Online Registration
Telephone Registration
Online Account Management
Online Chat


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When you’re looking forward to repairing your credit reports, simplicity is something that you would want from whichever credit repair company you choose to work with. And that’s something The Credit People can definitely credit themselves for, because working with this young yet experienced company is as easy and effective as it gets.

Once you first contact the company they immediately start working within 48 hours or less, and one of the first (if not the first) thing they do is to make you feel sure that you and your credit will receive fair treatment, after they finished their work. Even a personal online account will be provided to you, to allow you to follow every step of the progress done with the repairing of your credit. On top of that they provide you, for free, with 3 credit scores and reviews for free, but we will get on to that later on.

Some of the advantages of The Credit People are not just plain advantages, but more like characteristics that make them unique; for instance, they are known as the company that focuses on score-driven results. This is a perfect way of ensuring yourself the best results possible when it comes to improving your credit score and let’s face it, that’s why you came here, right?

Going online with your personal account is also a great plus, since you get to follow the track of the progress that your credit is making for yourself and you can also find lots of handy resources in it. They provide you with an easy method to keep track of your progress and your results will be mailed directly to you from all 3 credit bureaus.

The Credit People has been around solving people’s trouble since the year 2001 although this doesn’t make them the oldest company in business, but they do offer a strong and effective service that surpasses other companies with a longer history. Actually their satisfaction guarantee or your money back is a fine way of assuring yourself that you’ll be satisfied with the look, and the effects, of your credit reports by the time they finished cleaning it.

Credit Repair services are, speaking from a strictly objective point of view, the only, best and most effective way of being able to repair your credit. This basically means to be able to be able to get loans, credit or debit cards and sometimes even maybe being able to getting a job you might want to consider getting your credit reports worked on by an effective company like The Credit People. So when you’re looking forward to dealing with a credit repair company you want them to work as fast as they can at the same time as easy and effective. All these three attributes can (and will) be found in The Credit People.

While it might at first seem like a complicated and tedious path (also because you are feeling frustrated by the imminent chance of not being able to achieve an important goal) repairing your credit with The Credit People is not tedious like you’d expect it to be when working with the credit bureaus. The process is quite simple, actually; it begins with you simply calling or getting online and signing up.

Careful analysis and thorough review is the second, and also very important, step. A team of qualified professionals will immediately get to work on your case and begin to set a strategy to make your reports get to look nice and clean, free from questionable items and whatsoever; you will also be able to follow up the progress of the whole process, simply by login in to your account with the provided username and password, chosen by you.

Once the strategy is designed everything that’s possible to build a strong credit reports its start to be done; improvements will begin to be seen monthly, until your report looks as good as possible. Some sensitive information might be needed, such as social security numbers, credit or debit card information or your date of birth and you shouldn’t be afraid of giving it, since it will be secure, and it’s definitely crucial for obtaining your goal.

Pros

+ All 3 credit reports, and credit scores are provided for free

+ Discount for couples

+ 14+ years experience

+ 24 hour online account access

+ 100% satisfaction guarantee

+ Simple and affordable pricing plans

+ Very easy to work with due to exceptional customer service support

Cons

– Other competitors have been in business longer

– Not accreditation with the Better Business Bureau

Contact Information

The Credit People Credit Repair is located in Florida at:

Corporate Headquarters:
7380 Sand Lake Road
5th Floor PMB 5225
Orlando, FL 32819

Website: TheCreditPeople.com

(855) 997-7111

Hours of Operation

Monday – 9:00 am – 5:00 pm
Tuesday – 9:00 am – 5:00 pm
Wednesday – 9:00 am – 5:00 pm
Thursday – 9:00 am – 5:00 pm
Friday – 9:00 am – 5:00 pm
Saturday Closed
Sunday Closed

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Better Business Bureau


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Security


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The Credit People Review

Credit repair review from Bryan in New York City, NY.



Steps & Necessary Information


Step 1: Sign up.

They will begin by obtaining your credit reports for you, which can be acquired for free by law. From there, your online account will be created so you can log on and keep track of your work.

Step 2: Analysis of your Credit Reports & Review

After you sign up and gain access to your account, you’ll see that all 3 of your credit bureau reports have been uploaded and available to you. A The Credit People representative will then get started on analyzing your 3 credit bureau reports and completing a full review so they can determine how to best help you through the process. Right from the start they’ll begin with a strategy and a plan. The strategy will focus on how to challenge and remove questionable items from your credit reports in the most effective and expeditious manner.

Step 3: The Credit Repair Process Then Starts

Disputes are sent and this starts the steps towards rebuilding your credit. Good credit is not just about having good and up to date accounts, it’s also about having no derogatory and rareness accounts. As The Credit People complete their work and the proper steps are taken, you’ll begin seeing improvements in your credit reports each month once those negative items are updated or removed. This process of repairing your credit will continue until they’ve accomplished the best results possible for you. One very important thing to note is that you can always cancel at any time. So if you feel as if nothing is happening and you want to give it some time you wont be penalized for it.

What Sensitive Information Is Needed:

Some of the information The Credit People need to complete an order are:

  1. Date of Birth
  2. Social Security Numbers
  3. Credit or Debit Card information

Words from The Credit People


“We stand behind our work, and that’s why over 100,000 people have trusted us to repair their credit in the first place. We’ve made our service risk-free. We completely guarantee your satisfaction.  When you’re paying month by month as you go, you’re assured that you’ll never pay for anything that you aren’t happy with. You can cancel at any time and you will not be charged for that month of service.  If you chose our flat-fee pricing, you have a full six-month satisfaction guarantee.  Our goal is to make you one of our thousands of satisfied customers and we’re willing to go the extra mile for it. That’s our promise to you.”

Summary


The Credit People maintains an exceptional  track record that is full of relatively positive reviews and appreciations compared to most of its competitors. The Credit People is well received among their customers and industry professionals often refer clients to them for they simple pricing and exceptional customer service. We like The Credit People because they seem to offer a simple and straight-forward solution.

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Pyramid Credit Repair

Pyramid Credit Repair

Pricing



First Work Fee$39
Monthly Fee$59

Features



Month-to-Month Contract
Identity Theft Protection
Licensed
Bonded
Registered with the Attorney General
Refund Policy

Services



Credit Score Analysis
Couple’s Discount
Dedicated Account Manager
Privacy Protection
Payoff Resolution

Help & Support



Email Support
Phone Support
FAQs
Online Registration
Telephone Registration
Online Account Management
Online Chat

Pyramid Credit Repair is an innovative credit repair service which has been a leader in the industry for many years. They are known for constantly improving and innovating new systems to help their system and process be more transparent for the consumer, in hopes of eliminating all guess work when it comes to knowing where you are in the credit repair process. One of the things that set them apart from other credit restoration companies is that they constantly communicate with their clients to ensure that they’re getting the results and outcome they are seeking.

Pyramid Credit Repair adopts a software-based approach to credit restoration. This allows for quick and efficient delivery of services. This software is so easy to use, that within a few minutes, a consumer can establish a portal registration and gain access to their personalized dashboard via cloud. Moreover, the software is cloud-based so all the updates regarding the disputes are available for you at all times and you can access them from anywhere. A personal account manager will be assigned upon sign-up to help orchestrate a plan of action upon looking into your credit situation. Subsequently, your personal account manager will help come up with a personalized solutions for fixing your credit issues. These account managers are very experienced and are aware of the technical aspects of the credit industry. You will find them very helpful in mapping out your road to credit recovery.

Another aspect which makes the company stand out from other credit repair services is the quick results they promise. With their software-based approach, they are able to process the credit reports within a few minutes, give the consumer the ability to flag the items they would like to dispute with a click of a button. This in turn helps them in filing disputes with the creditors quickly too. Because of this fast-tracked nature of their services, you can expect to see significant changes in your credit score within 30-45 days.

With no long-term commitments for using their services, Pyramid Credit Repair stands behind their pay-as-you-go policy, which means you can cancel the subscription of their services whenever you want. Besides this, Pyramid Credit Repair is among one of the few companies that offers a 100% money back guarantee to you for its services. If you are not satisfied with the results produced by them, just reach out to support and request for your money back. It’s that easy!

Getting started with Pyramid Credit Repair is easy too. You just have to order the “Pyramid Kit” and run the installation wizard, which streamlines the registration and profile setup process. Once your profile is setup, you can start rebuilding your credit within 24 hours.


Get In Touch:

If you’d like to speak to a Pyramid Credit Repair Representative and see why they are one of the best credit repair companies, please go to:

Pyramid Credit Repair

or Call (888) 522-5517

Pros

+ Pyramid Credit Repair great track record and customer support makes the company a safe and wise choice.

+ Online Dashboard that updates your with status changes 24/7 and a great way to keep track and monitor your credit repair progress.

+ They offer Live Account Managers who are always available to help via chat, email, and phone.

+ An additional plus is the affordable cost of the program. Pyramid Credit Repair has a very affordable program and it also offers substantial discounts for couples.

+ Pyramid Credit Repair provides clients with a very easy and quick sign up process. They understand efficiency and the value consumer’s time hence everything from their website to their service and online dashboard is super easy.

+ Pyramid Credit Repair doesn’t commit customers to long-term contracts. Their pay-as-you-go structure allows customers to easily cancel their plan whenever and for whatever reason with no questions asked.

+ Pyramid Credit Repair is popular for their superior customer support through their highly trained and expert team of credit specialists.

Cons

– The results aren’t immediate- takes roughly 45 days. However, this is the case for every credit repair company out there. Results do not happen overnight and credit repair requires meticulous labor and knowledge.

– To take advantage of most of their features, their Pyramid Starter Kit requires internet access and some sort of computer device, whether it be a personal computer, iPad, or a smartphone with capabilities of accessing the online dashboard where customers can monitor, communicate, and educate themselves of their credit recovery process.

Contact Information

Pyramid Credit Repair is located in New York at:

17 State Street Suite 4000
New York, NY 10004

Hours of Operation

Monday – 9:00 am – 6:00 pm PST
Tuesday – 9:00 am – 6:00 pm PST
Wednesday – 9:00 am – 6:00 pm PST
Thursday – 9:00 am – 6:00 pm PST
Friday – 9:00 am – 6:00 pm PST
Saturday 9:00 am – 6:00 pm PST
Sunday 9:00 am – 6:00 pm PST

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Better Business Bureau


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Security


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Steps & Necessary Information


1. First Step

Using the Easy Online Form, place order for Pyramid Starter Kit. Within minutes you will receive a welcome email and tracking information for the welcome kit.

2. Review and Setup

Upon receipt of your Pyramid Starter Kit via mail delivery – within 1-2 business days – the secure setup wizard will guide you through obtaining a credit report, establish a secure profile on a cloud based online dashboard, and email you the confirmation of registration and access to your customized back-end portal.

3. The Dispute Process

Pyramid Credit Repair will challenge your erroneous items with creditors and 3-major credit bureaus and customers will have the ability to monitor and keep track of progress right through their secure cloud-based online dashboard virtually from anywhere.

Necessary Information:

  1. Social Security Numbers
  2. Government/State Issued ID
  3. Utility Bill
  4. Credit/Debit Card
  5. 3-Bureau Credit Report

Summary


Pyramid Credit Repair requires no long-term contracts and clients could easily cancel their services anytime. Some concern however, is price which can be a considerable investment to start the program at $99. But again, for that price you get an online dashboard, live account manager, a team of credit specialists that handle the process, and many other cool features to help sustain and maintain your improved credit score. This means that your credit report receives the full attention that it needs until it is successfully resolved in your favor.

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CreditRepair.com

CreditRepair.com

Pricing



First Work Fee$12.99 to obtain your credit reports.
Monthly Fee$89.95

Features



Month-to-Month Contract
Identity Theft Protection
Licensed
Bonded
Registered with the Attorney General
Refund Policy

Services



Credit Score Analysis
Couple’s Discount
Dedicated Account Manager
Privacy Protection
Payoff Resolution

Help & Support



Email Support
Phone Support
FAQs
Online Registration
Telephone Registration
Online Account Management
Online Chat


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Creditrepair.com is a company that specializes in fixing credit ratings and FICO scores on your credit reports. For the majority of people, figuring out how credit reports work is something that they aren’t able to handle themselves. The reason for this is that there isn’t a straight forward guide that they can rely on. In addition, many credit ratings are sub-par due to things like wrong information, unauthorized transactions and identity theft. The credit bureaus, which are in charge of credit ratings, are not interested in providing each person with the best possible report. They simply synthesize the information they have.

Creditrepair.com can help its clients by providing the bureaus with additional positive information, and disputing some of the negative information that they are using. The way Creditrepair.com works is simple and effective. The company discusses with their clients the credit information, and decides what can be challenged and what can be improved. After this, it creates a personalized strategy for improving the credit rating. A person can have a 24/7 access to his or her status thanks to the mobile app, dashboard and notifications of change.

There are two ways that Creditrepair.com can be contacted. The first one is via their website, and the second one is by phone. Both ways are quick and easy, so it really only comes down to a personal preferences of technology.

Those who want to improve their credit scores can seek the help of professionals like Creditrepair.com. But how can someone be sure that Creditrepair.com is the right choice for him or her? Making a Pros and Cons list always helps with tough decisions.

Creditrepair.com have been in business for over 15 years. This makes them a reliable candidate for repairing and improving credit scores. The longer a company stays in business the more experience it gains and the better it becomes at providing customers with exactly what they need. Such long experience means that they are familiar with even the toughest and rarest cases.

The company provides people with an affordable way to enhance their credit rating and start receiving better credit card offers and loan options.

Creditrepair.com has an excellent BBB rating of A+. This makes the company a solid option for credit repair. Companies that do not provide quality services quickly begin to accumulate bad reviews, and their BBB score drops low.

Another positive aspect of Creditrepair.com is that there are no long-term contracts, and the service is provided entirely on monthly subscriptions. Once a person decides he or she doesn’t need their services anymore, he or she can easily cancel their account.

There are family/household discounts. When two people sign up together, both receive a discount of $50 for the first month.

Creditrepair.com provides exceptional results for its clients. When clients try to improve their credit scores on their own, it usually takes over a year. With the help of Creditrepair.com things move much quicker. On average, over 11 bad items are removed from credit reports in just four months. It takes about three months for 20% of the bad credit items to be successfully disputed.

Pros

+ CreditRepair.com has had a good amount of history behind them as well. They have not been in business for as long as other companies, but they have been in business since 2004.

+ They have A+ rating with the BBB, which is exceptional given their size.

+ CreditRepair.com also has a wonderful website design and a simple process to sign up and get started right away.

+ A key point is that they have professionals helping you through the process on a constant basis.

+ Fantastic customer support.

+ They have been know to get results more effectively than other companies. The speed is not exceptionally quick, but it’s as quick as anyone else would be able to get the credit repair done in.

+ CreditRepair.com is a bit more affordable than it’s partner company Lexington Law and they offer a couples discount.

Cons

– The main drawback with CreditRepair.com is that they have one set pricing. This can hinder the individuals looking for more flexibility and affordability in getting their credit repaired.

Contact Information

CreditRepair.com is located in Washington at:

CreditRepair.com Headquarters

600 Stewart St STE 1100,
Seattle, WA 98101

CreditRepair.com

844-259-3603

Hours of Operation

Monday – 7:00 am – 12:00 pm
Tuesday – 7:00 am – 12:00 pm
Wednesday – 7:00 am – 12:00 pm
Thursday – 7:00 am – 12:00 pm
Friday – 7:00 am – 12:00 pm
Saturday 9:00 am – 11:00 pm
Sunday 9:00 am – 10:00 pm

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Better Business Bureau


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Words from CreditRepair.com


“CreditRepair.com works to ensure that your credit scores and credit reports are in your own hands. By law, information reported about you to credit bureaus must be fair, accurate, relevant, substantiated and verifiable. Through our simple but powerful 3-step process, we help to ensure that credit companies can’t abuse these standards. Check, Challenge, Change.
Since 1997, CreditRepair.com has assisted thousands of consumers in finding effective, credible solutions to their credit problems. CreditRepair.com puts industry-leading experience and technology to work, providing its members with in-depth online services, mobile apps, and a team of consumer credit experts who help them every step of the way.

Callers can receive a free credit consultation, which includes a free credit report and credit score.

Throughout the past 15 years, we’ve identified, reviewed and worked with several credit report repair processes and now we’ve bundled the best process into one powerful service. In addition, two of the nation’s largest credit bureaus, TransUnion and Equifax, have elected to join us in a strategic alliance to ensure that what’s being reported about you on your credit reports is fair and accurate.

Using our strategies, members have seen an average 11.6 negative items removals in just 4 months. Past CreditRepair.com members have seen 7% of their questionable credit report negatives removed per month, and typically see over 20% of their questionable credit report negatives removed within 90 days. (Member results will vary)

For a low monthly fee of $89.95, you get a credit reports and score, a personal credit advisor and credit repair game plan, tools to track your success 24/7, credit monitoring and more. There are no contracts or hidden fees.

Each member will work with our team of experts to receive a game plan for their specific situation. This includes working to repair potential problems such as: inaccurate information; charge offs, bankruptcies and late payments; judgments and liens; identity theft; unauthorized inquiries; credit information such as balances, limits, etc.

We offer a family and household discount, sign up together and receive $50 off the first service fee for both household members.”

Steps & Necessary Information


1. Signing Up and Opening Your Online Account

When you sign up with CreditRepair.com, your credit reports will automatically be pulled for review. Then, immediately, one of their professional representatives will provide you with an analysis and a specific plan that will be designed for your needs. Once the analysis is complete and they have determined the erroneous and negative items on your credit reports, the next step begins.

2. The Dispute Process

The dispute process begins here. CreditRepair.com will send the disputes for each negative item on all 3 of your credit reports. The disputes are customized to ensure the maximum response from all 3 credit bureaus. From your online Account, you’ll be able to see the process and decide if you want to stay with them each month.

3. Your Results Are In The Mail

Once your about a month into the dispute process, you should start seeing your results in the mail. Because your credit repair updates are mailed to you directly, you’ll be able to see the process and the effects right away.

What Sensitive Information Is Needed:

  1. Credit Reports
  2. Social Security Numbers
  3. Date of Birth
  4. IDs
  5. Debit Card or Credit Card

Summary


Getting your credit repair and removing negative and erroneous items can greatly improve your credit rating, CreditRepair.com is exceptional at this. They have helped thousands of customers remove negative items off of their credit reports and they have implemented a simple and straightforward process. Although, if you do not have many negative items on your credit reports, improving your credit rating might be hard to do with CreditRepair.com.

With their innovative technology, Creditrepair.com offers a secure and professional process to resolving negative items and removing them off of your credit reports. Historically, customers of Creditrepair.com have seen an average of 7% of the questionable negative line items removed from their reports each month.

In summary, CreditRepair.com is an exceptional company over all and they make it easy for the consumer to sign up and get their credit repair with them. With their online access and ability to check your account from anywhere, they make it easy to stay up to date with the results of your credit repair work.

Although their pricing is very limited, you can potentially get a discount. Call CreditRepair.com or go to their website to get more information.

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Sky Blue Credit Repair

SkyBlue Credit Repair

Pricing



First Work Fee$59
Monthly Fee$59

Features



Month-to-Month Contract
Identity Theft Protection
Licensed
Bonded
Registered with the Attorney General
Refund Policy

Services



Credit Score Analysis
Couple’s Discount
Dedicated Account Manager
Privacy Protection
Payoff Resolution

Help & Support



Email Support
Phone Support
FAQs
Online Registration
Telephone Registration
Online Account Management
Online Chat

Approach to dealing with bad credit scores

Credit scores and FICO ratings are things that almost every person will have to deal with in his or her lifetime. Sky Blue Credit Repair specializes in improving its clients’ credit scores, and through the long years it has become a company with great reputation and expertise. It is able to provide people with top-of-the-line customer support and an extensive and in-depth analysis of their credit standings.

One of the ways that Sky Blue Credit Repair can repair credit scores is by helping client’s dispute items and by teaching them which items can be disputed. This is something that the majority of other companies neglect to do, and it is the reason why their customers are not getting the best possible results.

The Sky Blue Credit Repair Company uses a simple way to deal with disputes. A person can send his or her credit reports to them by email. The experts in the company will then analyze the data and design a strategy. Any information that they uncover will be sent back to the client by email. If the client approves their strategy, the experts at Sky Blue will quickly begin the disputing process within a five day timeframe. This quick response ensures that all the deadlines will be kept and none of the disputes will be terminated due to late cancelation policies.

One of the easiest ways to learn more about a certain company is to get in touch with it directly. This is true for Sky Blue Credit Repair as well. There are two ways that a person can quickly receive more information about what it can do about their credit score and how it can help improve their FICO rating. The first way is to contact them online through their website. The second is to call them on the phone and talk with a representative.

How can a person know if Sky Blue Credit Repair is the right choice? Making a Pros and Cons list will definitely help out.


Get In Touch:

If you’d like to speak to a Sky Blue Credit Repair Representative and see why they are one of the best credit repair companies, please go to:

Sky Blue Credit Repair

or Call 855-566-4380

Pros

+ One of the biggest Pros of Sky Blue Credit Repair is its standing with the BBB. The A+ rating makes the company a safe and wise choice.

+ Another thing that adds to the company’s reliability is that they have been in business since 1989. This means that Sky Blue has been in business for over 25 years.

+ An additional aspect that shouldn’t be neglected is the final cost. Sky Blue Credit Repair has a very affordable program and it also offers discounts for couples.

+ Sky Blue Credit Repair provides clients with a very easy and quick sign up process. People value their time, and they do not want to spend hours trying to figure out complicated sign up forms.

+ Another one of the top Pros about Sky Blue Credit Repair is that it doesn’t lock its customers in with a long-term contract. A person can easily cancel their plan whenever and for whatever reason they want.

+ Last but not least is the customer support. Sky Blue provides its clients with very good customer support, which is included in the price. Many companies today provide customer support for an additional price. This is something that Sky Blue Credit Repair hasn’t done and will not do, since every customer needs to have access to the best possible customer support.

Cons

– One of the Cons of Sky Blue Credit Repair is that it doesn’t provide clients with an online account. Instead, they send clients emails with information about their credit ratings and standings. This isn’t a deal breaker for several reasons. First, credit ratings aren’t changed on a daily basis, so there’s no need for an account. And second, a person will not become obsessed with checking the account five times a day to see if something has happened.

– The results aren’t immediate. However, this is true for every credit repair company out there. Whether a person is waiting for a dispute result or is waiting for their FICO score to get updated – results take time.

– Unfortunately, a person can’t easily repair his or her own credit score. A FICO score can be quite confusing and obscure for those who don’t have experience with credit ratings. Sky Blue Credit Repair can provide its clients with the expertise they need to improve their credit rating and benefit from all the perks that come with a good FICO score.

Contact Information

Sky Blue Credit Repair is located in Florida at:

6001 Broken Sound Parkway Suite 300,
Boca Raton, FL 33487

Hours of Operation

Monday – 9:00 am – 5:00 pm
Tuesday – 9:00 am – 5:00 pm
Wednesday – 9:00 am – 5:00 pm
Thursday – 9:00 am – 5:00 pm
Friday – 9:00 am – 5:00 pm
Saturday Closed
Sunday Closed

Get In Touch:

If you’d like to speak to a Sky Blue Credit Repair Representative and see why they are one of the best credit repair companies, please go to: Sky Blue Credit Repair

or Call 855-566-4380

Better Business Bureau


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Security


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Sky Blue Credit Repair Review

Credit repair review from Tony in Santa Fe, NM.



Steps & Necessary Information


1. First Step

Just complete the simple online signup form. Within minutes you will receive an email with easy instructions on getting SkyBlue Credit a 3-bureau credit report.

2. Review and Setup

Upon receipt of your credit report, their staff of professionals will conduct a line-by-line review, note your issues, and email you the list of items identified as dispute candidates for your review.

3. The Dispute Process

SkyBlue Credit will challenge your erroneous items with the credit bureaus. They will send responses directly to you so you can see the results as they occur.

Necessary Information:

  1. Social Security Numbers
  2. Date of Birth
  3. Debit Card or Credit Card
  4. 3-Major Credit Report
  5. ID’s

Summary


The “pay as you go” feature without any termination or penalty fees is definitely an attractive service. Sky Blue Credit Repair has been in business since 1989, longer than any of the other credit company we have knowledge of. The company offers a variety of services, features and customer-support options to identify opportunities for consumers to raise and improve their credit scores. Because of its long history and experience in the industry, and of course professional and thorough service, Sky Blue Credit Repair earns our Credit Securely Gold Award.

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Lexington Law

Lexington Law

Pricing



First Work Fee$99.95
Monthly Fee79.00

Features



Month-to-Month Contract
Identity Theft Protection
Licensed
Bonded
Registered with the Attorney General
Refund Policy

Services



Credit Score Analysis
Couple’s Discount
Dedicated Account Manager
Privacy Protection
Payoff Resolution

Help & Support



Email Support
Phone Support
FAQs
Online Registration
Telephone Registration
Online Account Management
Online Chat


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Credit Repair companies are the best way to help you clean up or improve your credit situation so you can have access to different sorts of credits, such as car loans, mortgages or even to be able to get a job. There a large number of companies who can help you do this and Lexington Law is one of the best and largest credit repair companies you can find across the United States of America.

The truth is that credit is a good way to save up money, since when you don’t have any credit or have a bad credit situation things can end up costing you much more than they do if you have good credit, and sometimes even not being able to do them. Fixing credit is not a simple task for a common consumer, and that’s why it’s important to be backed up with a good credit repair company, such as Lexington Law.

With over 20 years of experience, over twenty-four attorneys and hundreds of agents and paralegals in 19 states of the country, Lexington Law is just a step above the competition firms, achieving the Gold Award in the Credit Repair Services Review of Top Ten Reviews and ranking among the top on other credit repair review sites.

One of the most important things about Lexington Law are the highly qualified professionals that work in Lexington Law and that they really understand consumer credit, consumer rights and consumer’s needs. Every person’s positions and every credit situation are different from each other, and that’s why they do not guarantee any kind of results before hand. This may sound as a negative point, but it’s actually positive that you don’t get promises before having you case studied by an attorney.

The key point of credit is interest: the lower your credit is, the higher are the interest rates that you will get to pay for any kind of loan (cars, mortgages, credit cards, etc.); it may even be the factor that holds you from being able to get the credit. So you want to play with the best players when it comes to defending your credit, since it means defending your ability to have the things you need, and provide your family with a good, comfortable life.

Numbers don’t usually lie, and statistics show that up to 79% of Americans have some kinds of trouble related to mistakes in their credit reports. Clients signed up with Lexington Law have experienced amazing results, such as the improvement of an average of 10 items, or 27% of their presenting negatives removed in 4 months, or less.

Lexington Law has a 3-step process which has been proved and improved with the years and thousands of customers passed by. Technology is as crucial as the experience of every worker of Lexington Law. When you call this company you get a free credit consultation (including free credit report and credit score), which is a great way to start a relationship, since you are certain of where you’re standing. From there on a game plan for your specific situation is designed, which includes making every effort to repair issues such as charge offs, bankruptcies, late payments, inaccurate information, identity theft, judgments and liens, unauthorized inquiries, balances, limits, and just whatever is need to be known and repaired.

Other benefits include the fact that Trans union and Equifax, which are two of the biggest credit bureaus, have joined forces with Lexington Law to guarantee the credibility and results of credit reports.

Money is not going to be an issue for working with Lexington Law, of course, since you get the benefits of a personal credit advisor, a credit repair plan, your credit reports and score, credit monitoring, identity theft and way more, for just $99.95 per month. We are talking about one of the best credit repair companies, if not the best, licensed in all 50 states of the United States, which even offers a family and household discount, or the chance to get $50 off the first service fee if you sign up with somebody else in a similar situation; so we are talking about a great deal here: the first great deal you will make in order to recover your credit credibility.

Pros

Lexington Law has been in business since 1991.

+ They have a secure website sign up process that’s easy and straightforward. At the same time, you can cancel anytime.

+ Free phone support 7 days a week.

+ Professional analysis from their trained paralegals on staff.

+ Free credit report summary

+ Straightforward pricing with a 2 tier plan.

+ Lexington Law also offers same-day consultation so you can get started on getting your credit repaired right away.

Cons

– One of the cons of Lexington Law is that their process can tend to be a little longer than other companies. This is greatly offset by the confidence that you can have in them due to their historic results.

– Additionally, the results aren’t immediate but unlike other companies, you will get your results in the mail every month so you can keep up to date with what’s going on on your credit reports.

– Finally, we find that have a 2 tier plan at a higher rate can be limiting to consumers that can’t afford around $100 a month to spend on getting their credit repaired.

Contact Information

LexingtonLaw.com is located in Utah at:

360 N Cutler Dr,
North Salt Lake, UT 84054

LexingtonLaw.com
855-571-5337

Hours of Operation

Monday 6:00 am – 10:00 pm
Tuesday 6:00 am – 10:00 pm
Wednesday 6:00 am – 10:00 pm
Thursday 6:00 am – 10:00 pm
Friday 6:00 am – 10:00 pm
Saturday 7:00 am – 7:00 pm
Sunday Closed

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Better Business Bureau


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Words from Lexington Law


“A person’s credit score is a key factor in determining the interest rates you pay for cars, mortgages, credit cards and other loans – in fact, it may even prevent people from being approved. When you’re dealing with something as important as your credit, you don’t just want someone good on your side, you want the best. That’s what Lexington Law offers.

Our 3-step process has been developed, refined and proven over many years and hundreds of thousands of customers. Our representatives are not only experts in the credit repair field but also experts at helping individuals meet their credit goals. We’re ready to put industry-leading experience and technology to work for you. We can help develop a game plan for your situation.

An estimated 79% of Americans have errors on their credit reports.

Since 1991, Lexington Law has assisted hundreds of thousands of clients in finding effective, credible solutions to their credit problems.

Callers can receive a free credit consultation, which includes a free credit report and credit score.

Over the past 20+ years, we’ve identified, reviewed and worked with several credit report repair processes and now we’ve bundled the best process into one powerful service. In addition, two of the nation’s largest credit bureaus, TransUnion and Equifax, have elected to join us in a strategic alliance to ensure that what’s being reported about you on your credit reports is fair and accurate.

Our clients have seen impressive credit report results, with an average of 10 items, or 27% of their presenting negatives, removed within 4 months. (Client results will vary).

For a low monthly fee of $99.95, you get a credit reports and score, a personal credit advisor and credit repair game plan, tools to track your success 24/7, credit monitoring, identity theft insurance and more. Plus, there are no contracts or hidden fees.

Each client will work with our team of experts to receive a game plan for their specific situation. This includes working to repair potential problems such as: inaccurate information; charge offs, bankruptcies and late payments; judgments and liens; identity theft; unauthorized inquiries; credit information such as balances, limits, etc.

We offer a family and household discount, sign up with someone and you both save $50 off the first service fee.

Lexington Law is licensed in all 50 states of the United States of America.”

LexingtonLaw.com Review

Credit repair review from Christina in Cleveland, OH.



Steps & Necessary Information


1. Obtain Your Credit Reports

At the moment of sign up, a Lexington Law Representative will provide you with assistance right away and they will help you in setting up your Account and getting your case started immediately. The representative will help you obtain your Credit Reports. From there, they will help you understand what items are negative and erroneous on your credit reports and what they can and can’t do for you.

2. Disputes Sent – Legal Action Process

Their experienced legal staff at Lexington Law will begin the dispute process right away for you. Your credit reports are reviewed by one of their paralegals and from there they will come up with a plan of action to begin the dispute process on the items believed to be erroneous and negative on your credit reports.

3. Analysis of Your Credit Reports

When the results start coming in, the paralegal assigned to your case will provide you with updates. An analysis will be completed once again on the updated credit reports and you’ll be able to view it directly on your Account. From your Account screen, you’ll be able to see what items were removed.

4. Next Steps & Follow Ups

Once the analysis of your results are completed, if any items still remain on your credit report that are inaccurate and negative, those items will be escalated and follow ups will occur. At this point, Lexington Law will continue to send more rounds of disputes until the negative and erroneous items are removed.

What Sensitive Information Is Needed:

  1. Social Security Numbers
  2. Credit or Debit Card information
  3. Credit Report Account Numbers (used to generate disputes)
  4. Date of Birth
  5. Bank Account information (if used instead of a Credit or Debit Card)

Summary


Overall, Lexington Law is an exceptional company in the credit repair industry. They have the history behind their service and their customer base to support they $99.95 per month fee. Although this is a bit high as compared to other companies in the industry, it may be worth it to the individual that can afford it and want to feel secure behind a major corporation fighting for them.

Although they have attorneys on retainer, all your work will be handled by a professional paralegal. This is a benefit because unlike an attorney that may not have the time to spend with you, a paralegal is able to take more time and focus on getting the work done right for you. When it comes to getting your credit repaired and deciphering your credit reports that is a very big plus in our book.

Despite Lexington Law not being number 1 in our book, we do find them to be a good company in the credit repair field as they have all their bases covered and provide exceptional customer support.

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Ovation Credit

Ovation Credit

Pricing



First Work Fee$85
Monthly Fee$49 – $69

Features



Month-to-Month Contract
Identity Theft Protection
Licensed
Bonded
Registered with the Attorney General
Refund Policy

Services



Credit Score Analysis
Couple’s Discount
Dedicated Account Manager
Privacy Protection
Payoff Resolution

Help & Support



Email Support
Phone Support
FAQs
Online Registration
Telephone Registration
Online Account Management
Online Chat

Credit ratings can be easily improved with the help of credit repair services and features, like the ones offered by Ovation Credit. A customized plan to attend your specific situation and dispute whatever negative items exist on your credit report will be designed, working along with credit bureaus and creditors.

It usually takes about 7 to 8 months to improve a credit rating, and the good thing is that results are not what expected, you get a full refund and that credit repair services can be cancelled at any moment of the process. There are also available some special discounts for couples offering a lower monthly fee than that of most competitors, though the start-up fee could be a little bit higher.

The first step is that you provide your credit reports, and please note that this is something that you should do yourself and it’s a very simple task to do, since you can get them from a wide range of free credit report online sites. Once you have your credit reports you must mail or fax them to Ovation Credit. Ovation Credit does not give new credit; it allows you to improve the one you already have and it scores, with a variety of tools and qualified assistance.

Once Ovation Credit gets your stats and numbers, a representative will work on your case, studying it and finding the negative aspects of them; then they are sent to credit bureaus, such as Equifax, Trans Union and Experian, but first you get the chance to check those negative aspects of them that could not be accurate.

There are two options of plans with which you can work with Ovation Credit; both are personalized and both allow you to send any dispute you need to solve; but if you work on the higher program you can also get unlimited validation letters, creditor goodwill requests and even a letter of recommendation, which could come in handy when searching for new potential lenders.

After you sign up a representative who will help you out and along the whole process will contact you, and from then on telephone and email support are available at any time.

If you should have any doubts about anything you can always contact your representative, and there’s also a really complete and accurate FAQs page, with detailed information on various tasks.


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Pros

+The variety of plans and the prices offered (based on your specific needs), allows you to send unlimited disputes using the ultimate technology and expertise. The 100% satisfaction guarantee or your money back is also great, plus the special discount of 20% if you sign up as a couple. Speed and direct access to credit bureaus are also positive aspects of Ovation Credit.

+Since the year 2004 Ovation Credit holds an A+ rating with the BBB accreditation, which is also a good thing to know and to rely on. Processes are 100% legally compliant, secure and can be tracked at every moment.

+There are two programs you have to choose from: the Essentials, which is $49 per month, or the Essentials+ program, which is $69 a month (both apply for the 20% discount for couples). So flexibility is also a pro.

Cons

-The initial $89 “extra work fee” is something that might seem negative at first, but it’s a really cheap when compared to those of the competitors.

-You still need to pull up your Experian credit reports and send them to Ovation Credit. But you might even have all your credit reports prior to contacting Ovation Credit and this will definitely simplify the process, and take one of those negative aspects down. So all you have to do is just forward them to Ovation Credit.

Contact Information

Ovation Credit‘s Corporate Office is located in Florida at:
9310 Old Kings South Suite 404,
Jacksonville, FL 32257

Telephone:
888-687-9008

Hours of Operation

Monday – 8:00 am – 8:00 pm
Tuesday – 8:00 am – 8:00 pm
Wednesday – 8:00 am – 8:00 pm
Thursday – 8:00 am – 8:00 pm
Friday – 8:00 am – 8:00 pm
Saturday Closed
Sunday Closed

Words From Ovation


At Ovation, our focus is on results for our clients. Since 2004, we’ve averaged 19 Improvements per client on their combined credit reports.

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 for our clients. These improvements generally lead to higher scores and better borrowing opportunities.

Each case is different, and results will vary based upon the specific issues contained on your credit reports. They will also vary based upon the amount of time you are willing to commit to your credit report repair.

Because our clients may continue to see positive changes on their reports due to our efforts, even after they have concluded their program, our actual number of improvements is most likely much higher than what we publish.

Powerful Results
19 IMPROVEMENTS PER  CUSTOMER ON AVERAGE
11 YEARS OF PROFESSIONAL  CREDIT REPORT REPAIR
Over 100,00 CREDIT PROFILES CORRECTED  BY OVATION AND COUNTING

At Ovation Credit Services, we understand that everyone’s credit report and financial situation are unique. This is why we offer two comprehensive, personalized and proven credit repair programs that simply, Get Results! With our legal strategies and experience, we have been successful in removing such items as:

1. Collections & Medical Bills
2. Repossessions
3. Late Payments
4. Identity Theft/Fraud
5. Bankruptcies
6. Incorrect Personal Information
7. Inquiries
8. Charge Offs
9. Judgments/Liens
10. Foreclosures

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Better Business Bureau


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Ovation Credit Review

Credit repair review from George in Miami, FL.



Steps & Necessary Information


1. Pick Your Program

First of all, you have to decide with plan you’d like to sign up with. The 2 options with Ovation Credit are the Essentials or the Essentials+ Program. One is $59/month and the other is $89/month. If you’re singing up as a couple, you get 20% off but there will be an initial $89 fee from the beginning.

2. Obtain your Credit Reports

This is exceptionally simple and you can even send them a copy of your current credit reports if you have them pulled. Otherwise, you’ll need to pull up your credit reports but they can definitely assist you with that.

3. Analysis

Once you log into your Account that’s when the analysis portion will begin for your credit reports. They will provide you with an action plan to get you results right away and improve your score as much as possible as soon as possible. To send further disputes or check results you’ll be able to access your Account at any time, which is a wonderful feature especially if you need to be updated.

4. Your Results

Your results will be sent to you directly from the credit bureaus. Once you receive them you will need to send them to Ovation. Once they have your results your account can be adjusted and your action plan can be changed to further assist in the removal of negative items. This step, the results step, could potentially be exceptionally quick. Make sure to check your mail for your results.

Necessary Information:

  1. Social Security Numbers
  2. Date of Birth
  3. Debit Card or Credit Card
  4. Credit Reports
  5. IDs

Some of the information Ovation Credit needs to complete an order are:
Please note that this is not a complete list and the exact information needed form Ovation Credit Repair can be found on their site. Please go to Ovation’s site to acquire the full information needed as stated in their own words.

Summary


Of course the best way to prove Ovation Credit’s quality service is to try it out for yourself, and getting in touch with them is very easy and simple. You just log on to Ovation Credit or call 888-687-9008 to contact them and get a representative assigned. Their exceptional technology, tools and human capital will help you be informed and aware of everything that’s happening to the improvements on your credit rating.

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