“A good credit repair company will scrub questionable credit report items against other laws—like the Fair Credit Billing Act, which regulates original creditors; the Fair Debt Collection Practices Act, which oversees collection agencies; and others that address medical illness, military service, student status and other life events,” Padawer said.
"I started using this program 11 months ago and the results have been amazing! The small monthly fee is worth the work CreditRepair.com does and their customer service is always great! My 503 score 11 months ago is now 647 and only getting better! If you are having issues with your credit don’t stress and use CreditRepair.com, I highly recommend it!"
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.
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.
The credit bureau usually has 30 days after receiving your dispute to investigate and verify information. Typically, the credit bureau will reach out to the company that provided the information and ask them to investigate. The credit bureau is required to send you the results of the investigation within five business days of the completion of the investigation.
"CreditRepair.com does a wonderful job on following through with promised tasks. I have been with CreditRepair.com for less than 3 months and have received better results than I have with any other credit repair services. The service representatives are well trained in customer service and it shows through their abilities to be patient and in answering questions thoroughly. Thank You!"
Other than updating their website, Credit Firm could rank higher among credit repair companies by offering a satisfaction guarantee. While $49/month is affordable and the service is easy to cancel, this provider could take it a step further by letting customers know that they're committed to achieving a specific level of results within a given timeframe.
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.
Fixing your credit history can seem like a tall order, especially given the number of creditors and credit bureaus you might have to deal with to get your credit issues fully squared away. Fortunately, credit repair services make this process an easy one. Below is a summary of our trusted services, along with basic facts and ratings for each. To get a consultation for your credit situation, click the name of the repair service you prefer to visit its confidential online signup.
Personalize the software to fit your company’s branding instead of keeping it under the TurboDispute name. Your clients will be oblivious to the fact that your business doesn’t actually own the software. On-site logins allow both customers and referrals access their dashboards by logging in through a domain name other than TurboDispute.com customized with your own company logo and contact information that match your website so that your customers will be unaware that you are using TurboDispute software.
Either way, you should always remove any errors or outdated information from your credit report — regardless of the actual effect on your score — as soon as you discover them. A clean credit report can give you peace of mind the next time you apply for a loan; you’ll know that an inaccurate credit score isn’t holding you back from qualifying for a better interest rate, saving you time and money in the long run.
You have the right to dispute any information in your credit report that's inaccurate, incomplete, or you believe can't be verified. When you order your credit report, you'll receive instructions on how to dispute credit report information. Credit reports ordered online typically come with instructions for making disputes online, but you can also make disputes over the phone and through the mail.
Credit card consolidation - is it right for you? If you're carrying a high interest rate across multiple cards, you may benefit from such services. With more and more Americans facing large medical bills, job loss, and other financial setbacks, credit card debt is higher than ever. And, with interest rates and late fees, it's not unusual for people to get in over their heads. Credit card consolidation helps consumers to better manage their debt and get back on solid financial footing once more.
Even though it lacks some online information regarding its credit repair service options and does not provide services to a few states, CreditRepair.com's innovative technology and ability to remove negative items in a timely manner, combined with consumer repair reviews, allows members to receive faster, good credit results as well as evaluate their credit 24/7 with a peace of mind.
"My experience was initially great until I had a medical emergency and had to cancel my account. I cancelled my account and was told that the following payment would still be drafted of $89. As of the date that I cancelled I was unable to access my account although I was being charged another $89. I would not recommend any company that does not have a fair cancellation policy. I cancelled my account with Equifax and was still able to access my account and was not charged any extra fees."
One major difference between the two plans Ovation offers: you'll be in charge of submitting disputes on their lower-priced package. They'll guide you through the process of determining what to send and to whom, but you'll be responsible for making it happen. If you prefer that your credit repair service submit those dispute letters on your behalf, you'll want to choose the Essentials Plus package.