Credit counselors go over your finances with you and help create a plan to tackle financial issues such as budgeting, managing money and paying off debt. The Credit Pros’ lowest-level Money Management plan doesn’t include credit repair. For that, you need either the Prosperity plan, which requires a $119 monthly fee and $119 first work fee, or the Success Plus, which requires a $149 monthly fee and $149 first work fee. Unless you’re also planning to apply for a credit builder loan, the Prosperity plan should suffice.

Here’s what you should know about the 15/3 credit card payment hack, including how it works and whether you should use … The Money Management package includes some basic services but does not address credit repair. The Prosperity package moves up to actual credit repair, while the Success package, the most expensive, adds only a few features that may not be worth the added cost. Sky Blue will dispute up to 15 records (five per credit bureau) each month. This is lower than some competitors, but the lower cost makes Sky Blue a great choice for people with a limited number of disputable records.

Clients get personalized dispute strategies, debt validation, goodwill interventions, and access to friendly customer support. Plus, they offer special pricing for couples, making it easy for partners to repair their credit together. Their flat monthly fee covers all services—no confusing packages or upsells. Take the reins of your financial journey with CreditDIY, a personalized credit repair solution crafted for those aiming to address credit challenges independently. Our platform equips you with innovative tools and a straightforward approach, eliminating complexity and guesswork.

How Do I Know What’s In My Credit Report?

You’ll end up paying around $99 monthly for premium features compared to the Standard plan. The credit card offers that appear on this site are from companies from which FinanceBuzz receives compensation such as banks or CardRatings.com. It’s important to know what red flags to look for when dealing with credit repair companies. While the law has cracked down on them, there are always those that sneak through. In determining our ranking of the best credit repair companies, we looked at popular companies and ranked them according to a series of weighted factors that we consider critical to the consumer. Log in and check your progress from your mobile device or  desktop platform.

The credit reporting agencies must investigate within 30 days and delete the item from your report if its incorrect. They must also send you the results of their investigation within five business days of completing it. Having bad credit can really affect your ability to have any creditor or lender approve you for a loan.

However, its Trustpilot page was shut down recently because it didn’t follow the site’s guidelines. Trustpilot indicates that it “removed a number of fake reviews for this company.” This could call its reviews on other sites into question too. Despite its past track record, Lexington Law has had some recent legal troubles. The company and affiliated credit repair firms were sued by the CFPB in 2023 for shady business practices. To resolve all of your disputes, you can expect credit repair to take anywhere from three to six months. If you only have a few minor blemishes to fix, it might take less time.

They can also work with banks, debt collectors and other financial institutions. Credit repair companies may offer to remove negative information from your credit reports. However, their services can be costly, and accurate information on your reports cannot be removed.

What Is A Credit Repair Company?

Credit repair is the process of correcting inaccurate or dated information on your credit report. Credit repair companies cannot remove accurate and current information. You know your credit report is important, but the information that credit reporting companies use to create that report is just as important—and you have a right to see that data. Use our list of credit reporting companies to request and review each of your reports.

Credit Saint offers a free consultation to evaluate your particular situation and identify the next steps you should take. Once you sign up, you’re assigned an advisory team that schedules calls to keep you informed. This typically requires you to send in documentation, like a receipt or canceled check, to prove the report has an error. We will not issue the Certificate of Registration until the Secretary of State acknowledges that the bond or deposit has been properly filed.

We looked at the mean score each company received, as well as the ratio of positive to negative reviews. We also looked for patterns among the complaints left in unfavorable reviews and any lawsuits that these companies are or were involved in. We considered numerous factors in our evaluations of credit repair companies.

Opened in 2014, Fast Credit Repair Chicago works with clients that need credit repair services in Chicago. With phone consultations available, the company works with clients to devise customized plans to increase credit report scores, evaluate financial risks, and plan for future purchasing goals. Fast Credit Repair contacts creditors and the three major credit bureaus to dispute any discrepancies regarding negative items, such as foreclosures, collections, judgments, or late payments. The Financial Counseling Center credit repair company in Los Angeles has been helping businesses and individuals to improve their credit scores for over 32 years. The firm conducts in-depth credit report evaluations and works to have foreclosures, tax issues, mortgage assistance, bankruptcies, student loans, and late payments removed from records.

Before engaging in credit repair, we provide free consultation on your credit situation. Upon getting started with us, we design a full-proof strategy for the success of your credit repair campaign. Our credit repair team takes action and begins correcting errors on your report using our proprietary system and team of industry insiders. And they offer some of the most affordable credit repair packages, starting at $49.99 per month. creditrepair can get a $20 discount for registering together.[9] The Premium Flat Rate plan offers greater value for your money.

Some clients see results within a few months, especially if the issues are straightforward. Unfortunately, credit repair scams are common, so it’s important to be on the lookout for red flags. Avoid credit repair companies that demand upfront fees before providing service, refuse to explain your rights, or tell you not to contact credit reporting companies directly. Above all, avoid companies that promise to remove negative information from your credit report, even if it’s accurate. Bright Credit LLC is a credit repair company serving clients throughout the Las Vegas metro area.