Real Credit Repair - The way professionals do it! (1)

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When I chatted via live internet chat and told them about things getting slower and nothing seems to be moving.

What Do Credit Repair Companies Do?

They said they needed my permission to send out escalation letters. So there are those moments where I question if they are just doing their job and not really on a personal level. Maybe its time to give Sky blue a try after 1 yr with Lexington Law.

Credit Repair Business: Become a Credit Repair Specialist Today 2017: 1-888-959-1462

Let someone else get in there with fresh eyes. I have 17 removed and 8 remaining. Some will have better results than others.

Credit Repair: How to Help Yourself | FTC Consumer Information

I received Four 4 letters that they send to creditors that had the wrong address. Two of the letters went to the wrong address of credit reporting agencies. They are extremely slow and will send out 2 or 3 challenges after they have collected thier monthly fee. I saw that my challenges went out the day after my account was debited. I can go on and on about about Lexington Law money only service. I found the agents at Sky Blue to be much more helpful and in tune with my needs and emotions!

Save my name, email, and website in this browser for the next time I comment. Credit Repair. By Mary Beth Eastman.

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In this article What does a credit repair service do? Who is the best credit repair company? Are credit repair and credit restoration the same thing? How does credit repair work? What work from the credit repair services can I expect to see? How do I know the right service for me? Is using a credit repair agency better than doing it yourself? Credit repair services and the stigma of credit repair How long will it take to repair my credit history? Known for: Bang for your buck. Sky Blue offers one of the least expensive credit repair companies that also produces positive results and offers 5-star customer service. Price: Sky Blue has one of the lowest prices among credit repair services. They do give you straightforward credit repair services, including fixing mistakes on your credit report, sending good faith letters to your lenders and looking for legal loopholes to get your credit score back to where it should be. Then you can just restart it when you are ready to go again.

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  8. The service is transparent in what they offer and has 20 years of experience in the industry. Here is a full Sky Blue review. Lexington Law Review Lexington Law website. Known for: Cadillac of credit repair. With decades of credit repair experience, Lexington Law is known for offering features and services that other credit repair companies cannot match. Features: The first tier of service, Concord Standard, offers the repair fundamentals, including fixing mistakes on your credit report, sending good faith letters to your lenders and looking for legal loopholes to get your credit score back to where it should be.

    The second tier, Concord Premier, adds a second level of assistance, as well as monthly credit monitoring and a credit score improvement analysis. The third tier, PremierPlus, adds identity fraud alerts and personal finance tools to help you monitor your finances. You do need to call Lexington Law to inquire about this option. Reputation: If you want the greatest service on the books, Lexington Law is a good bet.

    Here is a full Lexington Law review. Customer service: Lexington Law has a comprehensive customer service network which can be very helpful, including phone, email and chat. Free Consultation: It can be easier to call CreditRepair. Known for: Popularity. This is one of the most popular credit repair companies, partly because of its name and many CreditRepair. This tier of service offers the basics of credit repair credit bureau challenges, good interventions, etc. Features: This company offers the basics of credit repair, including good faith letters, fixing mistakes on your report and using loopholes to contest items on your report.

    It also communicates directly with furnishers and the credit bureaus to make sure changes have been made. In addition, they offer a personalized dashboard like many online investment sites and visual representation of your credit score to help you track your credit repair progress. On average, it reports a 7 percent decrease in the number of questionable negative items for its clients each month. See our full CreditRepair. Guarantee: Just like Lexington Law, they will only charge you for the month once they have completed the work you agreed upon.

    What is Credit Repair?

    Customer service: It has a sleek user interface, which makes the need for customer service less, but their customer service is still solid. Known for: 7-day trial. The Credit People is one of the only credit repair companies that offers a trial so you can try out the service before committing. Features: The Credit People is much like SkyBlue in that they only offer straightforward credit repair services, including fixing mistakes on your credit report, sending good faith letters to your lenders and looking for legal loopholes to get your credit score back to where it should be.

    We know a thing or two about credit repair.

    Cancellation: If you go with the lump-sum option, you can still cancel at any time if you are dissatisfied, or go with the month-to-month option which also allows you to cancel at any time. Reputation: Reviews are mixed on The Credit People. It has several reviews on the BBB website, which average out to about an A- rating. Some online reviews rave about the services, some were disappointed, but everyone agrees that the money-back guarantee is a great perk. Guarantee: The Credit People has a percent money back guarantee if at any point during the six months you are not satisfied.

    Customer service: There is limited customer service, with phone hours only between 8 a. Pyramid Credit Repair Review Pyramid website. Known for: No initial fee. Features: In addition to the credit repair fundamentals, Pyramid offers a dedicated personal account manager that walks you through everything to do with improving bad credit through credit help and monitors the progress of your credit repair.

    Pyramid also has in-house licensed attorneys, which is unusual for a credit repair company. Only Lexington Law offers the same service. Customer service: Pyramid is known for its excellent customer service. Pyramid offers you a personal account manager to deal with your issues, but also has a complete support center as well as phone service available Monday through Saturday. What does a credit repair service do? Credit Card Debt Even the top services do not help you with your credit card debt.

    Under the law, the credit repair company is required to disclose the Consumer Credit File Rights Under State and Federal Law, which briefly explains your rights, though we recommend looking over the CROA in its entirety before hiring a credit repair company. Credit monitoring will allow you to see how the changes affect your overall report and credit score over time. Know how your credit report is changing is an important step in your journey toward better credit.

    Most accurate derogatory marks stay on your credit report for seven to 10 years, but with corrective behaviors, after a year or two the marks have less impact on your report. Most of the credit repair companies we recommend, including Lexington Law and CreditRepair. In our evaluations, we found most credit repair companies either assign a specific individual to work your case or divvy the work up between a team of people. We preferred companies that assign an individual case adviser, as it lets that person become more familiar with your case and establishes a single point of contact if you have questions or want to check on your progress.

    A personal case adviser is also generally better for customer comfort, as talking about sensitive personal information is uncomfortable, and trust is important. First, know your rights. As mentioned above, the CROA mandates that credit repair services inform you of your rights prior to making any contract or agreement.

    Common signs of a credit repair scam include high upfront costs, no explanation of your legal rights, too-good-to-be-true guarantees and encouragement to lie about your credit history, credit-worthiness or identity.

    FAQ & What You Need to Know

    All of this is illegal and can create even more trouble than you started with. For example, some credit repair scams claim to procure a new credit identity for you, giving you a nine-digit number to use in place of your social security number. This is always fraud and is often identity theft. Another common tactic for credit repair scams is to dispute all derogatory marks on your credit report, regardless of accuracy.

    If a credit repair service is acting illegally, file a complaint with your state Attorney General and the FTC. Professionals who know the ins and outs of the process can make the experience less stressful and more effective. For example, if you have one or two inaccuracies and a bit of spare time, you can dispute these lines on your credit reports yourself.