The company has an A+ Better Business Bureau (BBB) rating, and it offers affordable pricing, a $0 set-up fee, and a 90-day money-back guarantee. According to Sky Blue Credit, the average time it takes to see results in our reports is 45 days. Additionally, Sky Blue Credit offers a special discount for couples. This makes it a great option if you want to work as a team to better your financial situation in general or in advance of a home purchase. creditrepair has been helping its clients rebuild their credit since 1989. It specializes in offering credit help to couples at a discounted rate, whether they want to improve their credit before getting a mortgage or for another purpose.
We also recommend looking for credit repair companies that offer free credit consultations to go over your report and explain what they can do to help. Headed by attorney Rae Kaplan, the firm assists clients that need to improve their credit scores, including those who have filed for Chapter 7 or Chapter 13 bankruptcies. The firm recommends credit repair programs that are reputable and effective. Kaplan Law Firm educates clients and helps them develop strategies to change their financial habits and reduce the burden of debt. Credit Level has more than 14 years of experience in helping consumers in and around the Chicago area restore their credit. Its team removes and questions outdated, unverifiable, and inaccurate items that are impacting clients’ scores.
Can Credit Repair Companies Remove Bankruptcies?
The agency’s founder, Derek Angelo Serrano, is a Series 7 financial advisor and a life and health insurance advisor. Every person’s credit file is unique to them and so should the cost of their individualized credit repair action plan. The credit repair cost will vary based on the company and the credit repair program available. The Phenix Group does not do up front pricing for our credit support, nor should you settle for any credit repair specialist that does charge an upfront payment fee for their credit services. We do not provide a cookie cutter credit program; therefore, we can’t give a definitive work fee until a proper analysis has been conducted and an action plan written out by a credit repair analyst.
Dispute Rounds
The Federal Trade Commission (FTC) advises consumers to avoid companies that guarantee results, demand upfront fees, or encourage dishonest practices. Not all credit repair companies operate the same way, and it’s important to know what to expect before signing up. Some companies limit the number of disputes they file per month, which can slow down progress.
Credit Saint provides credit repair and guidance to clients in Los Angeles. It evaluates a consumer’s credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These items may involve collections, judgments, charge-offs, and foreclosures.
But with credit repair in Miami, FL, there is hope for your credit score. Accredited Debt Relief works with consumers who have at least $10,000 in unsecured debt from credit cards, personal loans, collection accounts, medical debt and private student loans. If you’re completely overwhelmed with your credit situation, hiring a company can relieve some of the stress of dealing with creditors and the credit bureaus. But even then, it could make sense to first get a free consultation with a credit counselor who can advise you on how to deal with debt and improve your credit situation. This Act, Title IV of the Consumer Credit Protection Act, prohibits untrue or misleading representations and requires certain affirmative disclosures in the offering or sale of “credit repair” services.
Check with your bank to see if it offers counseling, or get in touch with a nonprofit such as American Consumer Credit Counseling, Money Management International or InCharge Solutions. These laws prohibit many deceptive practices by credit repair organizations. Most negative information will stay on your report for seven years, and bankruptcy information will stay on for 10 years. We handle escalated disputes with an experienced team of credit repair specialists who have the knowledge and expertise to resolve your credit issues quickly and effectively. Best Credit Repair’s toll-free support provides assistance with any questions or concerns you may have regarding their credit repair services.