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.
"I am proud to have CreditRepair.com working on my behalf. Every person I’ve talked to has been very helpful as well as courteous and goes the extra mile to answer any and every question or concern that I have. CreditRepair.com has done a 5 star job at training their associates and they do their job well. This makes me glad to have joined with you in helping me get my life back on track. THANK YOU AND BEAUTIFUL JOB!"
With what they charge, is Lexington Law effective at helping people improve their credit history? As you'd expect with such a large business, the reviews are mixed. Most credit repair services are criticized for not making noticeable improvements in less than two months, but that's to be expected. But, Lexington seems to have a higher-than-average number of people who say that they didn't get prompt responses from company reps, not just that their reports didn't improve quickly. On the other hand, we found numerous people saying that their credit scores improved dramatically as they stayed with the service, usually for six months on average.
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.
A good credit repair company first pulls your credit reports from each of the three major credit bureaus in order to pinpoint your credit issues. Why all three? Because each credit reporting agency has its own “data furnishers” (aka lenders, credit card companies, debt collectors, etc.), that report your credit information to them. And there may be errors that appear on one of your credit reports, but don’t appear on the others
"I had virtually had nowhere to turn as I tried to reconstruct this area of my life until I began to search the net for solutions. I spoke with a representative of CreditRepair.com and was immediately assured that this was the safest and legal approach to resolving my credit issues. What I really like is the daily update and the activity being reported."
Brittney Mayer is a credit strategist and contributing editor for BadCredit.org, where she uses her extensive research background to write comprehensive consumer guides aimed at helping readers make educated financial decisions on the path to building better credit. Leveraging her vast knowledge of the financial industry, Brittney’s work can be found on a variety of websites, including the National Foundation for Credit Counseling, US News & World Report, NBC News,TheSimpleDollar.com, CreditRepair.com, Lexington Law, CardRates.com, and CreditCards.com, among others.
"I originally called just to get information, which I did receive plenty of. However, after speaking with a professional my mind was blown on what can, and should be done, and how creditors just don’t do what they are suppose to. So I immediately hired CreditRepair.com for credit repair services and in just a month they increased my score drastically. We still have a long way to go but I’m confident that it’ll get it resolved the rest of the way."
After you download your credit reports, it takes several hours to review them for errors. Then, you must gather documentation and draft dispute letters, which could take up to a week or more if you aren’t already familiar with your records. Depending on the item and the reason it's in your credit history, this could involve writing a short letter or performing significant amounts of research.
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"I like that some things are coming off but I don't like the fact that sometimes only one negative item is being challenged at a time. I also don't like that some of the things that are being disputed are not showing as being challenged and show as pending and the rep can't explain why or fix it. I will do this only for a few more months and see if anything changes. I have several family and friends waiting for my feedback before using this service so we will see how it goes."
With the customer Activity Feed feature you and your staff can post updates or notes on the work performed which will show chronological notes, comments or to do for that customer. Also, separate appointment calendar system, you can track your tasks and to do’s with ease. The user task management feature gives you and your employees the ability to delegate tasks.
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.
"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."
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.
"I tried buying a new car a few months ago but I could barely get approved for a loan and if I did get approved the interest rate was above 20%. I decided to give CreditRepair.com a few months to work on my credit. I re-visited the dealerships this week and thanks to CreditRepair.com my score drastically improved and I was able to qualify for a very reasonable rate. Thank you CreditRepair.com, you literally improved my way of life."
The honest answer? Yes, and no. Credit repair is a great way to improve your credit score, if the problem is caused by a disputable error. If your credit score is poor because of a giant pile of debt — debt that you legitimately owe — then credit repair may not be the right solution. Determining which path to take will be based upon those considerations as well as any other factors that may be unique to your situation — and this is something only you can decide.
Advanced customer management tool allows for your company to work together as a team to manage every single customer. You can add new customers and leads within seconds—once again, just a few clicks is all it takes. In addition, you can capture online leads directly from your site or blog by simply pasting a web form code onto your site using our “Web Lead Form” feature. The sign ups will be sent directly to you as new leads table, where your staff can follow up with future customers.
"I’ve been with credit repair for 3 months and I’m truly amazed of what they have done by far. I still have some challenges but by far I’m impressed and satisfied as to what they have done now. I promised to be more responsible when this road is over and I’m so happy that I’m getting a second chance to prove I’m credit worthy instead of a flake. Thank you CreditRepair.com."
In order to analyze credit files, identify credit reporting errors, and evaluate credit scoring, credit repair advisors must be highly trained and have some level of experience. To understand the credit scoring models and how they differ from each other, one can review the most popular credit scoring model, FICO. Known as Fair Isaac and Company, FICO can help you understand the complexities of credit scoring and the credit scoring process, including identifying potential inaccuracies, duplications, merged files, unverifiable data, and outdated data.
"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!"
Here’s a good example of when a reputable credit repair service can help you do something you may not be able to accomplish yourself. If you have a collection account that’s been sold to a few different debt collectors, it can appear on your credit report multiple times. That information is accurate but having that one debt dinging your credit score multiple times doesn't meet the “fair” standard that Padawer mentioned.