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Credit Repair Companies Vs. Credit Claim Attorneys: Pros And Cons In Boston
Credit Repair Services and Reputation, Repair Your Credit Quickly & Effectively in 2022 18 min 20 May 2022, 02:07 PM IST HT Brand Studio
How To Identify Credit Repair Scams
Conveniently turn around your credit score and even get into better financial habits with these easy-to-use, legitimate best credit repair companies. Check out our in-depth review where we outline the pros and cons of each service and how they can help fix your credit today!
With this assessment of reputable credit repair companies, you can escape the obstacles of unpleasant credit records and make significant progress towards financial wellness.
It can be so frustrating to be stuck with a negative credit score, and it doesn’t help that not all credit repair companies are worth their salt.
The good news is; We are here to help you find the best credit repair companies right off the bat, to effectively turn that bad or fair credit score into one that will give you better financial deals.
Creditrepair.com Credit Repair Review
DISCLAIMER: Make sure to use credit repair services responsibly to avoid heavy debt. The opinions expressed in the content are solely those of the authors. It is not advice.
Regarding legitimacy, Credit Saint has consistently maintained an A+ BBB rating since receiving accreditation from the Better Business Bureau (BBB) in 2007.
In addition to this, its watery reputation still runs deep. The service has been recognized as the best credit repair company by reputable financial sites such as ConsumerAffairs, Money.com, The Credit Repair, and many others.
It all starts with a free credit consultation, where you’ll interact with credit professionals who will create a personalized strategy for you – to boost that credit score.
Credit Repair Reviews & Bbb Ratings (sep. 2023)
What’s more, you’ll be covered in case you need extra help, as the customer support on Credit Saint is excellent, and there are plenty of user reviews to back this up.
To proceed, you will need to create a credit monitoring account, and a credit expert will analyze the report while you point out items on your credit report that you do not agree with.
After that, the credit recovery company then goes on to do custom disputes for creditors and all the major credit bureaus. Even better, you get an online dashboard or simply an online account to conveniently know how much progress is being made.
Again, it’s not just about negative items on your report, Credit Saint experts also help you see your positive credit and advise you on how you can leverage it to further boost your credit score.
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The plans here are quite flexible, which is a big plus – as you’re likely to find the right package for you. The only thing is that the initial work charges are a bit expensive.
The Credit Remodeling and Credit Clean Slates package includes inquiry targeting, the latter posing unlimited challenges to the credit reporting agencies. However, the Credit Polish package could work perfectly if you don’t have too bad a credit record.
Overall, Credit Saint provides one of the smoothest credit repair experiences, and they are also quite fast as you can expect a significant improvement in credit score within a few months.
You also get a 90-day refund policy, which fully demonstrates how well they believe in their credit repair service!
Best Credit Repair Services (sep. 2023)
By virtue of being one of the three major credit bureaus, Experian naturally establishes its legitimacy. In addition, they are very seasoned in the credit repair industry, having been around since 1996, and collecting credit information on more than 235 million people in the US.
Catering to people who want a more DIY approach to repairing their credit, Experian helps you get the most out of it by submitting any inaccurate items on your credit history to your creditors. In addition, the service is easy to understand, even for beginners.
Still, you should be aware that the responsibility lies with you, as you will need to identify these bad records on your credit so that they can contact your creditors.
On a positive note, the dispute process is quick, and in as little as 30 days, a negative item can be removed from your credit record if your creditor is unable to justify their actions.
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As previously mentioned, Experian acts as a bridge between you and your creditors. But it is more than that.
The credit adjuster also helps you maintain healthy credit habits by advising you on tips, and a wide range of financial tools you could use to take better control of what affects your credit.
These financial tools come with a free Experian boost that helps you get more out of your regular utilities to improve your credit score. Even better, the platform says the free boost could help improve your FICO Score of 8 points by up to 13 points.
Plus, you get a free Experian credit report, credit score, and credit monitoring – with alerts to keep you informed of any changes to your credit history.
How Much Does Credit Repair Cost? (is It Worth It?)
Experian does not bind you to a monthly membership. This is a good thing since its premium credit repair services are based on a one-time fee, while the basic ones are free.
We like Experian because they encourage you to take a proactive approach to fixing your credit score. Even more, they also offer credit lock services to protect your credit files from identity theft and potential fraud.
Not to mention their 17-year reputation, Lexington Law is run by experienced lawyers who handle credit disputes on your behalf based on legalities and more.
In addition to this, they have overseen 70M+ transfers, and claim that 89% of their clients see an average of 40 point growth in their FICO score.
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Although the company does the heavy lifting during the dispute process, they keep you engaged throughout, even alerting you of any progress.
The benefit of this is that the credit repair service also has an Android and iOS mobile app to help you check in anytime.
They then challenge the three credit bureaus and creditors of these items, and since they know their way around the law they could easily assess whether an addition to your record is correct or not.
All of this is done while the credit repair company monitors your credit record, keeping you informed of how much ground is covered to change your credit score.
Free Credit Repair Instructions Infographic
Although Lexington Law’s monthly subscriptions may seem high, they do not charge any set-up fees, making them a great value company with the company’s high success rates.
Not many credit repair companies are as professional as Lexington Law, and this is the main factor as to why they sit among the best credit repair companies.
Combining simplicity and speed, The Credit People is one of the simplest credit adjusters, and promises results in less than 60 days.
It’s not just talk, the company has apparently removed over 1.4M negative items from customers’ credit records, and they’ve been working on it for over 15 years now.
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After the free consultation, The Credit People handles almost everything for you. And, they give you a personal online account 24/7 so you can see how everything is going hourly.
By analyzing your credit records from all three credit bureaus, the Credit People define and dispute possible unfair records on your credit history.
In addition, their credit experts are said to be certified by the Fair Credit Reporting Act (FCRA), which implies that they can really help you with your credit arrangement.
To take more responsibility, the site has an extensive credit education center with useful guides to help you increase your credit score by cultivating good financial behavior.
The High Cost Of Bad Credit
You could choose from two credit repair options; monthly plan, or commit to the 6 month flat rate.
While Credit People’s satisfaction policy doesn’t cover the monthly plan, the industry-leading 6-month satisfaction policy protects you long-term with the flat rate option.
What makes Credit People stand out to us is the fact that basically anyone can use it, especially people who don’t know much about how credit repair works.
Having served 830, 000+ clients since 2012 alone, and with 23+ M challenges and disputes made – CreditRepair shows you that you can trust them, especially if you have a bad credit score.
Texas Credit Attorneys
Unlike many credit repair sites, CreditRepair can establish misleading records on your credit history for you, which may be a better option if you have a lock on credit records.
Again, they give you an online dashboard to track the progress of repairs, and send development emails and alerts to keep you informed.
The free consultation and credit score analysis here is one of the best. They help you easily
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