"When I called CreditRepair.com my credit was really bad from being young and not knowing the value of good credit and paying bills on-time. I started to research how to fix it and came across their website so I decided to call. My credit score when I called was a 513 and is now in the 650 range. They have gotten 32 out of 40 negative items removed and I couldn’t be happier. Hopefully when the last 8 are removed it will be over 720! That’s my goal!"
If you get denied for a major credit card, try applying for a retail store credit card. They have a reputation for approving applicants with bad or limited credit history. Still no luck? Consider getting a secured credit card which requires you to make a security deposit to get a credit limit. In some ways, a secured credit card is more useful than a retail credit card because it can be used in more places. Certain subprime credit cards are geared toward helping customers who wish to rebuild their credit; however, make sure you choose legitimate offers and compare the fees and interest rates before applying.
"I just can’t explain the way you guys are making me feel every single day. My life has changed tremendously and I have you to thank for it. Thank you CreditRepair.com for making me become a better human. Without your help an support I don't know where I would be! I’m so excited that I have chosen you guys to help me restore my credit. Thank you Sincerely"

Now that you know how to begin the process of starting your credit repair business, you must now take the correct actions to certify that your credit repair business will have endurance and maintain all the legal and ethical standards as issued by law. Most credit repair businesses start because of the business connections with other realtors, mortgage lenders, auto dealers, and finance companies, but leads will only progress you so far. Education and training are keys to a successful credit repair business, so we encourage you to take classes and seminars, and surround yourself with credit repair advisors that have the experience and knowledge to guide you down the right path.
"I like that you are helping me to improve my credit, even though the price is a little high but it's worth doing it for my future. I just wish it would improve a little faster and also get rid or lower the interest rate on the federal loan, hopefully I can see a better score next month or so. I do plan on getting a new car some time next year or so depending on the status of my credit."
"I trust CreditRepair.com and I stand by them with everything I have. I have not been disappointed and I believe that they work each case/customer with the professionalism and knowledge of getting the job done. I recommend CreditRepair.com to anyone who needs fast and great results with all seriousness. Thank you CreditRepair.com, I owe you so much more with what you have done so far."

Unfortunately, Credit Repair has lost some credibility within the industry. Why? According to the Better Business Bureau, the company was asked to prove their claims that the average customer sees progress every month while using their services - even seeing improvements in the neighborhood of 7% of questionable credit report negatives being taken off their credit reports every 30 days. As of the date of our review, the BBB was still reporting that they had not received proof of those advertising claims. Those claims are still prominently featured on the Credit Repair website.
"My credit before I found CreditRepair.com on a TV commercial was way low - like in the 300’s. I had liens and 12 yr. old stuff. When I talked to a consultant they explained why they were still on my credit report, & I liked the answer. Since then my credit has doubled & I was able to get a Visa & a gas card, which I couldn’t before so thank you CreditRepair.com"
Sky Blue is legendary when it comes to their costs - in a good way. First, you won't pay a dime until you complete an initial review and setup with one of their representatives. If that review shows that SkyBlue can't help you, they'll tell you so - at no cost. We found many customer reviews that confirmed that's the case; people were pleasantly stunned to get great advice with actionable items that improved their credit even though they didn't wind up paying for the service. If the review does show that Sky Blue is a good partner in your pursuit of credit repair and you choose to work with them, you'll then pay a one-time setup fee of $69. Your monthly fee - $69/month as an individual or $99/month as a couple - isn't charged until a month later.
Amber Brooks is a Contributing Editor at Digital Brands. She spends her days consulting with financial experts to bring readers the best recommendations and tips on the web. She's interviewed financial leaders from all around the world. With a background in writing, she's uniquely suited to diluting complex financial jargon into terms that are easily understood. When not obsessively budgeting out her days, Amber can often be found with her nose in a book.
"I'm very happy with my results, and I'm a new member. I have seen results with my first month with CreditRepair.com. I'm very pleased with the customer service, they are friendly, and they make sure I understand the steps, and how important it is to have good credit. I want to thank you for your service, and assisting me with questions and concerns."
*Ranking information is based on a compilation of reviews from the following third-party review sites: Bestcompany.com, Credible.com, BadCredit.org, and TheCreditReview.com. Credit.com has examined each review on the third-party sites listed and compared those sites' findings with the individual credit repair services' websites to derive the Credit.com reviews shown here.
Essentials: for a one-time fee of $69 and monthly fees of $69, you'll get the basics of a personal case advisor, personalized dispute options, and an online dispute manager for tracking everything you submit to the various bureaus, agencies, and so forth. You'll also get access to financial management tools to help you budget for savings and paying down your debts.
If the company's credit repair specialists identify errors on your credit reports, they dispute those errors on your behalf. A credit repair company handles everything from drafting letters to managing correspondence with credit reporting agencies, creditors and debt collectors. You might need to supply documentation to support disputes. Some credit repair companies also offer credit counseling and debt management to help clients improve and maintain credit standing.
"My experience with CreditRepair.com is the best experience I’ve ever had. You all are truthful, you’re not phonies like most credit cleaning companies are. You all keep me posted and keep all my information accurate; I always receive updates on my credit report – what’s been deleted or any changes at all. The world should come to this company; I would assure them that this is the best cleaning company in the world that anyone could ever want to come to!"

Credit restoration specialists have the experience and expertise to navigate even the most complicated credit situations. For example, a credit repair agency can help victims of identity theft remove derogatory marks on their credit reports that resulted from fraud. However, a legitimate credit repair company can’t remove accurate marks just because they are negative.
There are a lot of reasons that your credit may be in rough shape. Most are related to your spending habits. And, if you missed a few payments or your debt levels are too high—think over 30% of your total available credit limits—disputing errors won’t help you. You’ll have to make some changes to improve your credit scores instead. And you may have to wait a bit to see an uptick.
Though numerous companies claim they can clean up bad credit reports, correcting erroneous information that may appear on credit reports takes time and effort. The details cited to credit reporting agencies cannot be removed by a third party. Rather the details, if misrepresented or inaccurate, can be disputed. Credit repair companies may investigate such information, but so can the individual the report is assessing. Individuals are entitled to free credit reports every 12 months from credit reporting agencies, as well as when an adverse action is taken against them, such as being denied credit based on information in the report.
"Without a doubt I was at the end of my rope and profoundly desperate to turn my credit score around. I was tempted to consult with individuals who were promising and guaranteeing quick results for an astronomical fee. After speaking with a CreditRepair.com representative, I felt comfortable and was willing to give them the opportunity to assist me and I have been exceptionally satisfied with their service."
Credit restoration specialists have the experience and expertise to navigate even the most complicated credit situations. For example, a credit repair agency can help victims of identity theft remove derogatory marks on their credit reports that resulted from fraud. However, a legitimate credit repair company can’t remove accurate marks just because they are negative.

eCreditAttorney's pricing is simple: $29 per month. For that fee, your credit repair service should include addressing late payments, collections, bankruptcies, tax liens, repossessions, judgments, foreclosures, charge-offs, garnishment, even identity theft/fraud. You're expected to provide a current copy of your most recent, updated credit report; it's not included with the fees that you pay. Side note: the link provided by eCreditAttorney for their "preferred credit score provider" took us to an invalid page - not very encouraging.
Since 1991, Lexington Law has been the trusted leader in credit repair. They offer a complimentary credit report evaluation with no obligation, including your credit score at no cost. Monthly plans start at $89.95 with no contract allowing you to cancel at any time with a 50% discount available for couples, family, household members, and active military members.

Who wouldn't love to get paid to shop, eat out, or go to the movies? That may sound too good to be true, but thousands of mystery shoppers across the US and Canada are doing just that: getting paid to visit restaurants, retail stores, and even theme parks in order to provide a customer's perspective on the cleanliness, service, and overall experience at the location.
For the most part, Credit Saint's reputation is good: accreditation and an "A+" rating with the Better Business Bureau is strong evidence that they're helping people repair their credit in a way that is trustworthy and effective. There are also almost no negative reviews registered at the BBB for this company, which is impressive for a business that has been around for over 14 years. We found a few reviews that expressed frustration with Credit Saint's higher-than-average fees for credit repair services, but the company is very transparent with what you'll pay. We would like to see a clearer explanation of all of their services, particularly the "dispute avalanche".

TurboDispute has opened a gateway in the credit repair business, allowing companies the opportunity to work from any part of the world without bulky networking fees. With a web-based online credit repair software program, there are no maintenance fees or hardware costs, so you can focus on running your credit repair business without the stress and worry of overage charges. Since all you need is internet access, credit repair businesses can now offer their employees at home positions and allow for a flexible work environment within the company. In addition to the affordability of online credit repair software, web-based programs like TurboDispute’s, offers free updates that occur instantly over the web without interruption to your credit repair business.


Then clean slate credit consultants in Florida. Branded as the donkey show. Priced at $59 to $25 and some pricing between $40 and $10 depending on who it is. Truly the best prices and the most unconventional website anywhere. Not for everyone. I was shocked but I figured it out. No upfront costs and they don't bill a credit card which I like. Google reviews rank at 200+. Impressive in this day and age.
Unlike some of their competitors, MSI Credit Solutions doesn't expect you to handle any of your disputes or other documents needed to manage your credit repair process. They draft all of the necessary letters and make contact with the credit bureaus, collections agencies, and other creditors on your behalf. And, as part of their credit repair process, they also help you to establish appropriate lines of credit to build your score in a positive direction while removing negative items from your credit history.
© 2019. All Rights Reserved | Legal disclaimer: The information contained on this site and our guides are for educational and informational purposes only. It does not constitute legal advice, nor does it substitute for legal advice. Persons seeking legal advice should consult with legal counsel familiar with their particular situation as consumer credit laws vary by state.
What you don’t deserve is to be penalized for years and years because of financial mistakes made in the past. Your credit doesn’t have to hold you back forever, and the debt that comes along with those mistakes doesn’t have to be scary and stressful. Every month we help thousands of clients get their credit repaired so they can get the job, car, house, loans, and credit cards they need to get on with their life.
"My credit score was 553 (poor) in September 2013. I had given up. I decided to try CreditRepair.com after hearing about it on the radio. The service is so awesome; the App is awesome. They began to systematically remove negative items from my credit report and challenge others. By December 2013 my credit score had risen over 100 points to 655 (good). I am so psyched about this and can’t wait to see what my score looks like over the next two to three months. I’m telling everyone about CreditRepair.com."
Credit Repair Consultants also proudly proclaims that they offer a refund policy on your monthly fees. The catch? You have to be a customer for a full 12 months before you can request an evaluation of your account; if the service has successfully removed or improved your account, you may not get a refund at all. They will claim a credit of $60 for every deleted or improved item on your credit report, and then compare it to the fees you've paid. In other words, if you've paid for 12 months at nearly $60 and they've removed or improved 12 things on your credit report, you're not entitled to anything back.
Digging around a little more, though, we were left with some question marks. First, several places on the site refer to a 6-month, prepaid package plan that comes with a 6-month guarantee but this isn't listed on the Pricing page. Then, we were happy to see lots of informative articles on the Credit Resource Section - but disappointed to find that the Regulations page was totally blank.

This company is bad and I mean BAD in the worst sense. They sent out a letter to one of the creditors I wasn't concerned about, but it ended up in my mail box because it was sent to the wrong address. Yes, my snail mail box. They had sent it as if I was the one who wrote the letter and as if I was only 6yrs old, seriously it was so bad I thought it must be from someone who had hacked my account. The letter was sent to my bank who I have a very good relationship with. I waited a few days and called credit repair and asked if this was from them, I was told it was. I then asked if they had their kid write the letter and was told that's just how they send out the letters because it confuses the creditor, what??? I told them there was only 2 creditors I wanted to rid from my reports but for some reason they decided what I wanted and was paying for was not what they wanted, who is paying the bill here? I am!! You do what I say to do and what you don't do is send letters to wrong addresses so they don't end up in my mail box! I wish there was a way to add an attachment here I'd show the pathetic letter they sent which is the very same they send out for everyone. 1 star is 10 too high for this or any other so called credit repair company. Don't waste money on something you can do yourself. Just look at the pathetic responses they give to the above complaints.
"My experience with CreditRepair.com is the best experience I’ve ever had. You all are truthful, you’re not phonies like most credit cleaning companies are. You all keep me posted and keep all my information accurate; I always receive updates on my credit report – what’s been deleted or any changes at all. The world should come to this company; I would assure them that this is the best cleaning company in the world that anyone could ever want to come to!"
"My experience with CreditRepair.com has been good and effective, considering the bad situation of my credit. What they advertise they will do is true. So far, I'm satisfied. In past years I've worked on credit repair and know how tedious it is & how tenacious you must be. Now, it is almost impossible to keep up with. They changed the rules. CreditRepair.com has taken all that 'work' on and so far, has been worth it."

Many credit repair leads fall flat when too much time is invested trying to acquire the client. Through the ability to digitally sign credit repair agreements, your company can keep a stronger hold on your potential client’s attention. Advanced setting management: TurboDispute software provides separate settings to control different aspects of your business. You have dashboards for Customer Management, Referral Management, Affiliate Management, Account Management and Dispute Letter Management as well as Software Customization.
Credit repair services: Credit Saint’s services are broken up between three different packages: Credit Polish, Credit Remodel and Clean slate. All three packages include help with items such as late payments, identity theft, charge-offs, collections and inquiries. Items like bankruptcies, repossessions and judgments are available on the higher-tier plans. Clean Slate is their most aggressive plan.
Lenders and others usually use your credit report along with additional finance factors to make decisions about the risks they face in lending to you. Having negative information on your credit report or a low credit score could suggest to lenders that you are less likely to pay back your debt as agreed. As a result, they may deny you a loan or charge you higher rates and fees.
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