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.
Under the Fair Credit Reporting Act (FCRA), credit bureaus have 30 to 45 days to investigate a disputed claim. If they can’t verify it within that time, they must remove the entry. For example, if you file a dispute with a credit bureau over a late payment and your creditor can’t verify the information, the bureau must remove that late payment from your credit report. For payments less than 90 days late, you can request a goodwill adjustment from your creditor and set up payments to prevent further damage to your credit history.
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.
Where is the best place to monitor your credit? In order to purchase a home, buy a car, or obtain almost any kind of loan, you need good credit and history. Falling behind on credit card payments, making too many expensive purchases, opening multiple credit card accounts, filing for bankruptcy, not paying monthly bills, and other factors may cause your credit score to drop significantly. On the flip side, staying on top of credit card payments, paying bills right away, and paying off loans are a few of the ways you can build a fantastic credit score.
"When I first started with CreditRepair.com my credit was in poor shape with a few collection accounts that I was not aware of. I was looking for a home mortgage loan and was sure it would never get it approved based on my scores, but in less than 3 months, and with the help of CreditRepair.com, almost all of the negative items were removed and I was able to get my loan. Thanks for the help."
My Credit Group is a credit repair company staffed by credit experts, loan officers, collection agents and debt negotiators. The company has been employed by numerous organizations, including the United States of Defense and Chase Manhattan. They will develop a personalized plan to repair your credit, tailored to your credit history and needs. They can also employ debt settlement negotiation services while working on repairing your credit.
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).
It takes time as a business owner to reach maximum efficiency, but one thing you can do right away is to have the right software in place. The software lets you automate certain tasks, especially time-consuming jobs like entering data or searching for specific credit information. As a credit repair professional, the right software will save you time and allow you to maximize the profits from every client.
Will you get effective credit repair services from Credit Assistance Network? Their reputation is puzzling. On the one hand, they've been in the industry for more than 10 years and have only positive reviews on the Better Business Bureau website - and yet, their rating with the BBB is only a mediocre "C+". We also felt misled by the CAN website, which said that their rating was a flawless "A+". Can you trust a company to repair your credit if, from the very start, they're not fully honest with their own reputation?
You'll find a lot of helpful information under the Credit Education tab. Ovation keeps their blog updated regularly on topics ranging from Bankruptcy to Payday Loans and much more; if you feel a little lost just browsing through the most recent posts, you can click on any of the topic categories on the right side of the page, underneath the Recent Posts header.
But, if you're looking for straightforward pricing - $49.99/month, with no setup fees, cancel anytime - with a company that maintains an A+ rating at the Better Business Bureau, Credit Firm could be what you want. Although you'll have to provide a credit report (or possibly pay Credit Firm to get it for you), your credit repair program is all covered by the monthly fee. Your monthly service includes the following:
"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."
"To be 100% honest, right now I feel like I'm on the bottom of the totem pole. After talking with CreditRepair.com I feel so much better. Anybody could do this stuff but when you're working as much as I am, you don't have the time to do it, and it's just peace of mind throughout the day to know you are helping me and that eventually I'm going to overcome by bad credit situation."
While we did find quite a few customer reviews that said their credit scores improved reliably over time using the Credit Repair service, it's hard to recommend a business that has an "F" grade at the BBB because they didn't take the time to prove that their advertised claims were legitimate. If those facts are accurate, it should be a simple process to report them and clear up the concern at the BBB. If that happens in the future, Credit Repair will probably move up in the rankings among the services we reviewed; until then, we suggest you look at some of the higher-rated companies for your credit history improvement plan.
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.
Unfortunately, when your credit history is less than fantastic - because of making payments after the due date, having too many credit inquiries, or even having mistaken information associated with your identity - you'll have fewer options when you need to make a major purchase. You may even have to pay higher than average rates on your car insurance or your mortgage.
Yes they have military pricing for families as a courtesy. I used them before. Reliant has some kind of discount thing going as well, which is good because after they charge you and limit you, you get some $ off which is a relief. The dislikes on this are probably them or their fans. They don't seem to like competition which is understandable since they don't know how to compete anyway. Hope that helps.
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The cloud-based credit repair software is simply more productive and affordable. Downloadable software can be expensive, unreliable and the prices will only increase as your business grows. But with this cloud-based online software, your company can continue to grow, and you will simply continue the routine of opening a browser and logging in. Aside from its competitive price, you can rest assured you will never experience crashes with 99.9% uptime. You don’t want software that starts bugging out every few days. This program has 99.9% uptime, which means you don’t need to worry about losing time and money. In addition, your data will be backed up on a secure backup server as you work.
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.