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You're also entitled to a free credit report if you've been turned down for credit because of something on your credit report, if you're currently receiving government assistance, if you're unemployed and plan to look for a job soon, or if you think you've been a victim of credit card fraud or identity theft. Some states even have laws that let you get an additional free credit report each year. All these free credit reports should be ordered directly through the credit bureaus.
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.
Looking at MSI's "C" grade with the Better Business Bureau, you may be surprised to find them ranked where they are in our review. Here's what we found: across hundreds of independently-verified reviews on other sites, MSI proved to be extremely responsive to their customers, both those that were extremely satisfied with their credit repair results and those who gave one-star reviews. And, most of the low reviews appeared to have been written in error or maliciously, even by customers who had no record of ever being paying clients of MSI. From our vantage point, MSI Credit Solutions stands by their service, issues refunds when they can't deliver, and takes the time to personally respond to each client. You won't find that kind of mom-and-pop service with any other credit repair company we examined.
It involves identifying questionable negative information on your credit reports and challenging the negative items in question. But, it can also require following up with the credit bureaus and to get the negative items from your credit reports removed. If you have been a victim of identity theft, it is highly likely that you have multiple accounts that need to be disputed.
"I must say that even though I had signed up with the service, at first there was slight skepticism as to whether or not they would provide the level of service promised. They have a believer out of me. In less than three months I have seen my credit score jump from 638 to 708. This is due to their dogged persistence in having negatives removed from my credit report. I initially decided that I would cancel my subscription in three months if I was not satisfied. I will recommend their service to any and everyone I know. THANK YOU CREDITREPAIR.COM!!!"
Credit Saint offers a money-back guarantee that is above-average: if you don't see any negative items deleted from your credit history in the first 90 days of service, you are eligible to request a full refund of any fees paid. Customers should expect it to take up to two months for those deletions to start appearing in their online portal, and the terms of the guarantee require the client to send in any requested documentation or other updates in a timely fashion.
In an industry like credit repair, reputation is everything when choosing which service to use. In that regard, Pyramid comes up short. To find out their track record with the BBB, we had to find them under their alternate business name, Credit Concierge Services LLC. The BBB lists that business as "NR" (No Rating) status until more data comes in; when we found that listing, there was only one review posted and it was negative. We found just over four dozen mostly-positive reviews specifically for Pyramid around the web, but in an age where we know that customer reviews can be faked (unlike what you find on TopConsumerReviews.com!), it's hard to know which ones are truthful without trusted validation like the BBB.
Avoid at all costs! Do not use them, use one of their competitors. Any of their competitors, frankly. From the get-go, everything took forever to on-board. It took them two months to set up my account, even after badgering them about it (daily) for a month, via chat. In the 6 months that I used them, they removed but a single negative remark off of my credit. 1 out of the 20 (across the three major credit bureaus). Terrible execution on their part, from their membership correspondence to their ambiguously phrased chat responses. "We're sorry, we really are..." or "Bear with us, we are trying hard for you...: Blah, blah, blah, blah, blah... They removed ONE SINGLE NEGATIVE REMARK IN 6 MONTHS!!! I spent over $1K using them and they did virtually nothing for me. Save your money and go elsewhere or call the credit bureaus yourself, as ALL THEY DO is challenge negative remarks. Their service is pointless and costly. I'm absolutely positive you'll get some bureaucratic, bull crap answer from them below my review, but know this. THEY DON'T DO THEIR JOB AND THEY MAKE UP EXCUSES and their software barely functions. I complained to their IT department 10+ times and they still didn't fix it on the 6th month of service. Just rubbish!

All plans include 1-on-1 consultations with a certified FICO professional, unlimited disputes, letters to creditors, and pulling your credit report. You should expect it to take up to 60 days to receive your credit report - which also means that you may not see any changes to your credit history for the first two months that you're a client. Keep that in mind as you decide whether you want to be a per-month or pay-as-you-go customer

How much you spend on credit repair depends on how involved you want to be in the process. If you hire a credit repair company, expect to pay a setup fee of up to $100 and monthly service fees of up to $150 for as long as six months. If you invest the time to repair your credit on your own, the credit repair process is free. Credit repair software that costs between $30 and $400 can help you draft letters to creditors and credit bureaus.
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.
Credit repair services: Trinity Credit Services helps clients with credit issues ranging from a quick fix to total restoration. The process begins with a free credit report evaluation. Next, they develop a customized credit repair plan. Credit repair services include filing letters to remove inaccurate information from credit reports, such as late payments, bankruptcies and other harmful information.
"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."

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Who has the best Tax Relief? What can you do if you owe more taxes than you can possibly pay in a reasonable amount of time? That's a question many Americans are struggling to answer. As inflation rises and tax burdens increase, more people have tax debts owed to the US government and to state/local tax authorities. It goes without saying that having wages garnished and assets seized only adds to the stress felt in that situation.

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