Best Credit Repair Companies - Top 5 Review

Finding a reputable credit repair company can be hit or miss affair. The reality is there are many credit repair scam companies out their that make unrealistic claims that they can remove accurate information from your credit report to improve your credit score. Such claims are untrue and you are best to avoid companies who make these kinds of claims.

If your credit applications are continually being rejected there is a very high possibility that your credit report is need in repair.

You would be surprised how many errors can be made on your report especially as there is not one but 3 separate credit reports produced by 3 different major credit collection bureaus.

Cleaning your credit report can be done by yourself however, it can be a very time consuming process. If you need results quickly then using reputable credit repair companies is definitely worth considering.

To help you save time on researching we have done the work for you and have listed the top 5 best credit report repair companies:

1. Lexington Law

Who Are They

Lexington Law have been in the credit repair business for over 20 years so they have a lot of experience. They have assisted over half a million people with bad credit problems. They have a huge network of attorneys and paralegals based all over the country.

What They offer

Lexington Law offer 3 credit repair service levels as follows:

Lexington Regular Service - is their basic service that offers you the basic essentials to improve your credit and includes multiple disputes with the credit agencies at no extra charge.

Concord Standard - this offers extra creditor interventions that may help to speed up the time it takes to obtain a satisfactory result. For example, the debt valuation intervention enforces your consumer rights by demanding the creditor to provide a full account of a listing or have it removed completely.

Concord Premier - is Lexington Laws top service that goes beyond just credit disputes. Extra features include monthly score analysis which monitors your credit report frequently against five key factors that have a major impact on your score. The premier service also provides the added protection of identity theft insurance.

Their Fees

Lexington Regular Service - set-up fee $99.95 / monthly fee $49.95
Concord Standard - set-up fee $99.95 / monthly fee $69.95
Concord Premier - set-up fee $99.95 / monthly fee $89.95

Conclusion

Backed up by 20 years of experience and expertise Lexington Law is in the premier league of credit report repair services. The choice of 3 service enables you to choose which level is most appropriate for your personal needs and how much you wish to invest.

You have control of which items that you want to dispute and with their experienced lawyers you have the best minds in the business to help you improve your credit rating. There is also the peace of mind that there is a money back guarantee if their service fails to deliver.

2. Sky Blue Credit

Who Are They

Sky Blue have been helping people clean up their bad credit since 1989. They have also earned a good reputation as credit restoration company who provides a quality service with strong ethnics. You will also have the peace of mind in the knowledge that that are accredited by the Better Business Bureau and apply their business in accordance with the Credit Repair Organizations Act.

What They Offer

The Sky Blue Method is unique because it is tailored to the credit repair needs of each individual. They can identify which entries in your credit file that need to be disputed. They will then write and submit highly crafted dispute letters to the relevant credit bureaus on your behalf. If disputed items are not changed Sky Blue will again send a re-dispute letter to achieve a successful outcome.

Sky Blue provide a consultation service that offers you strategies that will help to improve your credit score. This can involve closing old accounts,establishing new ones and account balance reductions.

Sky Blue are also offering a discount package for married couples who get 50% of the monthly fee.

Their Fees

Sky Blue offer one simple monthly membership that is all inclusive for a monthly fee of $49.

There is a one time set-up fee of $49.

Conclusion

As one of the longest established credit repair companies in the industry Sky Blue are an excellent choice if you want a reputable credit repair service at an affordable price. If you are married it works out even cheaper as you qualify for a 50% discount on the monthly fee.

I would point out that Sky Blue do not accept the free credit reports provided by the FTC site www.annualcredit report.com. You will have to supple them a tri- merge or three bureau report from a credit monitoring service. These you will have to pay for however, Sky Blue can recommend one of their low cost options.

3. Ovation Advantage

This credit restoration company was actually founded by a group of lawyers who noticed a worrying trend that many of their clients had credit files that were either misleading or contained many mistakes. They decided to build a firm that could help these and many other people to fix their credit.

What They Offer

Ovation Advantage offer two types of credit repair services which are the "Essentials" program and the "Essentials Plus" program. Both programs offer personalized and unlimited disputes to all three credit collection bureaus.

Under both programs you will also be assigned your very own personal Case Advisor. You will also have access to a Dispute Manager who will be available online and responsible for managing the progress of your disputes.

The main difference with the "Essential Plus" programs is that it provides added features to speed up the credit repair process. This includes an extensive range of personalized confirmation and good will letters that are used to send to your creditors to dispute any out of date or inaccurate information in order to remove negative items from your report.

Their Fees

Essentials program - monthly fee = $39 / set-up fee $79
Essential Plus program - monthly fee = $59 / set-up fee $79

Conclusion

Ovation Advantage offer one of the best value deals on the market for credit repair services. They have an excellent website that provides a good deal of free information to enable you to gain a better understanding of the credit repair process. They are also accredited with the Better Business Bureau which means that they have good customer service reputation.

As you are assigned a your own case advisor you receive a very personalized service. Overall, Ovation Advantage are a good choice if you want a company that offers a solid service at an affordable price.

4. DSI Solutions

DSI solutions are a relative newcomer to the credit repair industry having been formed in 2001. From the beginning DSI have positioned themselves as a professional agency who provide a service that helps people with bad credit repair at an affordable price. They also offer to obtain your credit reports for you at no cost and this can be useful time saver.

What They Offer

DSI Solutions offer something different to many of the other credit repair service companies. Instead of a monthly membership they offer a 6 month program. They will assign you a Case Manager whose role will be to challenge any questionable and inaccurate negative items on your report that could be damaging your credit rating.

They claim that you will start seeing results within 60 days of starting the program. They also offer a guarantee that if they do not improve your credit rating they will give you $50 including a full refund of your fees.

Their Fees

There are 2 payment options for their 6 month program as follows:

Full payment of $267

In 3 monthly installments of $89.

There is a set- up fee of $19.

Conclusion

DSI Solutions claim that they offer a unique and affordable service however, there are a lot more competitors on the market that are basically offering the same thing. Also, the total cost $267 would put them in the category of one of the more expensive credit repair companies.

DSI are unique in that they are the only company that will obtain all three of your credit reports free of charge which can save you money. Also, they have an excellent guarantee that offers you $50 plus your fees back if you are not satisfied with their performance.

5. Consumer Credit Capital

Consumer Credit Capital (CCC) are a bonded company of credit repair specialists that can fix your credit score and offer you debt management advise and services. They have their own standard operating procedure and credit repair system to deal directly with the credit bureaus, courts and creditors.

What They Offer

Consumer Credit Capital will provide you with a free consultation and evaluation using hundreds of hours of credit repair experience. Your assigned a credit repair specialist who will dispute any questionable entries that includes out of date bankruptcy or liens records on your file and administer your rights under the Fair Credit Reporting Act.

When you have passed their application process you are provided with a credit repair project plan. This plan is tailored to your needs and financial situation. The plan will outline for you the objectives that will need to be achieved and the exact credit repair services that will be implemented to increase your credit score.

Their Fees

A monthly membership fee of $49.

There are no set-up fees.

Conclusion

In terms of price Consumer Credit Capital offer a good price at $49 a month. There is no set-up fee which is a bonus as most credit repair agencies charge this. CCC will only take on clients who they feel they can help and they will assess your suitability by conducting a free evaluation so they are not going to waste your time. This is a no frills service that offers you value for money.

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