A bad credit rating can keep you from buying a house or car because lenders won't extend you credit. Property owners who check credit reports might turn you down for an apartment rental; potential employers who check your credit report might not consider you for a job. If you've found yourself in any of these situations, credit repair services can help. With these services, you can overcome bad credit and boost low credit scores.
Credit repair experts can counsel you and improve your credit score by finding and disputing errors on your credit report. Reputable credit repair companies will also teach you to improve your credit scores and keep your credit record free of liens, collections, judgments, late payments, foreclosures and repossessions. It doesn't happen overnight, but with the proper documentation of errors and the self-discipline to adhere to positive spending and saving habits, you can fix your credit with the help of these services.
Most credit repair service companies admit that individuals can handle this process on their own, but that the service's lawyers, paralegals and experts have the expertise to handle the process for you and save you time and frustration. For the best credit repair service, we recommend Lexington Law, Sky Blue Credit Repair and MyCreditGroup. Read our articles on credit repair services to learn more about how these services work to improve your score.
In our research, we looked for companies with respectable reputations and good business practices. We ranked companies on the qualities our research showed to be most important:
Credit repair companies we reviewed set themselves apart with company accreditations, licensing, privacy protection, refund policies and other consumer-oriented benefits. We also looked for any available discounts and at the length of time the credit repair companies had been in business.
Help & Support
A good customer support team can make or break a credit repair service. We scored companies on the various ways they can help you and answer your questions. Representatives should be able to clearly describe the services a credit repair company provides. We evaluated responsiveness to emails; those that responded the same day and addressed our few questions received top scores. Companies that responded the same day but didn't address our questions received fewer points, as did those that responded later. Credit repair companies that failed to respond to emails scored zero in the Email Responsiveness category.
Ease of Use
This section of our reviews rates the user friendliness of a credit repair service's website and account management system. If you're putting your trust, time and money into a company to help improve your credit score, your online interactions with that company should be smooth, easy and effective. With a user-friendly system, you can find the information you want and enroll easily in a credit repair program.
Credit repair services can offer knowledge, experience and results to people with poor credit scores. These services can teach you how to fix your credit, counsel you on maintaining good credit in your daily life, and save you precious time in repairing your score. Our rankings will help you choose the credit repair company with the most responsive customer service, the simplest interface and the most comprehensive features.
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