Consultation services are provided to every potential client to help them assess their options. Since 2009, the Las Vegas-based firm Strat Credit has been assisting consumers in restoring their creditworthiness. During consultations with clients, its service providers look for errors in the credit report. They provide mail-in or direct creditor dispute options for correcting these items. In addition to credit repair, they offer information security and assurance, debt elimination, and settlement solutions.

Credit Saint offers three different plans, allowing you to select the one that best fits your credit repair needs. You’ll get a free consultation, where you can review your situation and discuss the pros and cons of the different plans. Credit repair companies will identify and challenge errors and problematic accounts. They may be able to get legitimate accounts removed from your record if the credit bureau is unable to verify the account information or the creditor does not provide it.

Credit Repair Company Reviews

You can also get a free credit consultation and advice from credit services on how to better manage your money and maintain a good credit score. Avenues to Move Forward is a Chicago-based firm that serves people in Hammond and the surrounding areas. It offers credit repair services as well as examines and disputes unfavorable items on clients’ credit reports.

Is A Credit Repair Company Worth It?

While the company’s reviews are positive overall, some dissatisfied customers complain about a lack of results. Basic packages sometimes don’t include filing disputes with all three credit bureaus, or the number of disputes per month may be limited. Research the credit repair company’s process to know what to expect. Ensure you understand how long it may take to see a difference in your credit score. The offers that appear on this site are from companies that compensate us. But this compensation does not influence the

Life Wisdom partners with SmartCredit, a credit monitoring company that offers interactive credit reports accessible through a mobile app. Long Beach Credit Repair serves clients in Los Angeles and the surrounding areas. The company helps improve credit scores by removing inaccurate information, including bankruptcy, late payments, collections, and judgments. Clients also receive assistance on matters such as student loans, identity theft, and debt settlement. The credit restoration company’s team of credit experts also educates clients on managing and maintaining their scores.

Credit repair services may offer to dispute information on your credit reports if you’re willing to pay fees and monthly subscription costs. However, there’s nothing a credit repair company can do that you can’t do on your own for free. 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.

But for those with significant credit issues, working with a credit repair service could save you time and potential headaches. Credit Saint offers unlimited challenges to the credit bureaus with its Clean Slate plan, which costs $139.99 per month, plus a $195 initial work fee. More challenges can mean more opportunities to dispute negative credit report items and a faster process overall. The company indicates it offers challenges to the three credit bureaus with its less expensive plans, but it doesn’t disclose its monthly limits. Any type of credit repair you choose can potentially help you identify and fix inaccuracies in your credit report.

Credit repair companies can contact the three main credit bureaus on your behalf to remove inaccurate or outdated negative information from your credit reports. They can also work with banks, debt collectors and other financial institutions. If you’re working to rebuild your credit, you may find legitimate companies that exist to help. They can offer credit counseling or help you dispute errors on your credit reports. It can also involve smaller actions like identifying inaccurate information or other negative items on your credit reports, like late payments and charge-offs. If derogatory marks on your credit report are accurate, they generally won’t fall off for about 7-10 years.

Take full ownership of your credit improvement journey with CreditDIY. Our online service allows you to oversee your credit directly, free from delays caused by intermediaries. The Credit People doesn’t offer a percentage-off discount for its plans, though you can get a reduction in price when you sign up for six months of its premium plan.