Consider looking for a credit repair company that also offers credit monitoring with fraud protection and identity theft alerts. Identity theft can happen at any time, and many credit repair companies recommend ongoing credit monitoring services to catch problems early. Monitoring credit for inaccuracies makes it easier to address problems before they damage your credit profile.
A dependable credit repair company, Credit-Aid claims its software can raise credit scores by up to 250 points, backing this promise with a 100% money-back guarantee. Customers get access to great features such as free credit reports, identity theft rescue tools, a financial diary, and other helpful tech. All this can be yours for a one-time payment.
This provider offers a "performance-based refund policy": after you've been a client in good standing for 6 months, you can request a full evaluation of any progress they've made in repairing your credit. For every improvement or deletion they've made, eCreditAttorney will count it as a $95 value. If the total of monthly fees you've paid exceeds the value of $95 per improved/deleted item, you'll get a refund of the difference. Do the math, because that's not a fantastic deal: at $29/month, eCreditAttorney would only have to make two improvements or deletions over the course of 6 months to demonstrate adequate "performance".
"Other than a simple misunderstanding with a recommendation to scoresense.com, my overall experience has been very good. This website helped my score immensely. Being a firefighter, I was embarrassed when trying to get a loan with such a poor credit score when it should have been much higher. Now I am much more confident when I walk into the bank for any reason. CreditRepair.com truly put credit monitoring and evaluation on my personal radar. Thank-you."
The Credit People offer a simple way to check out their services: pay an initial fee of $19, which includes your credit report (a service often not provided by credit repair services) and see what you think for the next 7 days. If you choose to continue using their credit repair plan, you'll pay a flat fee of $79 per month. The service can be cancelled at any time, and an "Unbeatable Satisfaction Guarantee" allows you to get a refund for one month's service fees (this is assuming you cancel as soon as you're unhappy, not months after the fact).
"My credit had been bad for a while because of bad decisions. I just came to the point where I said this can be better. I heard your radio commercial and your customer service walked me through the whole process and explained and answered all my questions. I am very thank you for you helping me raise my scores to a respectful. It’s been such a journey. Thank you"
Disclaimer: TurboDispute has no affiliation with the credit bureaus. TurboDispute LLC is not a Credit Repair Organization and does not provide credit repair services or financial or legal advice. TurboDispute’s intended use is to help you automate the time-consuming process of creating dispute letters to help you communicate with credit bureaus, original creditors, collection agencies, chexsystems, telecheck and provide you with educational materials. You may use the software to challenge credit items identified as inaccurate, misleading, or unverifiable, but no consumer has the right to have accurate, current, and verifiable information removed from a Credit Report. Further, you must make sure that you do not send any dispute letter or form, which contains any untrue statement of fact about your customer’s situation. This product provides certain information about the law. But legal information is not the same as legal advice -- the application of law to an individual's specific circumstances. We recommend you consult a lawyer if you want legal advice applicable to your situation or how the Software and this information may apply to you.
"I don't usually believe in all I see on TV or listen in the radio but this credit repair is the truth, I was all by my self with no idea what to do, working 6 days per week and making good money but with an awful credit score. There were bums with better credit than me, until I came in contact with this wonderful CreditRepair.com. In just 2 months I started to see great results, thanks CreditRepair.com."
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Scoring models consider how much you owe and across how many different accounts. If you have debt across a large number of accounts, it may be beneficial to pay off some of the accounts, if you can. Paying down your debt is the goal of many who've accrued debt in the past, but even after you pay the balance down to zero, consider keeping that account open. Keeping paid-off accounts open can be a plus in your overall credit mix since they're aged accounts in good (paid-off) standing. You may also consider debt consolidation.