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.
When shopping around for the perfect credit repair company, start with the basics: fees and reputation. As in any market, the price of credit repair services will vary by company and features. Checking the company’s reputation with the BBB and industry associations is a good way to determine their legitimacy, and ensure you’re not about to throw your money away.
Digging around a little more, though, we were left with some question marks. First, several places on the site refer to a 6-month, prepaid package plan that comes with a 6-month guarantee but this isn't listed on the Pricing page. Then, we were happy to see lots of informative articles on the Credit Resource Section - but disappointed to find that the Regulations page was totally blank.
The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.
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.
For the most part, Credit Saint's reputation is good: accreditation and an "A+" rating with the Better Business Bureau is strong evidence that they're helping people repair their credit in a way that is trustworthy and effective. There are also almost no negative reviews registered at the BBB for this company, which is impressive for a business that has been around for over 14 years. We found a few reviews that expressed frustration with Credit Saint's higher-than-average fees for credit repair services, but the company is very transparent with what you'll pay. We would like to see a clearer explanation of all of their services, particularly the "dispute avalanche".
"CreditRepair.com is about the only email I look forward to receiving weekly. I am so grateful and amazed how CreditRepair.com has made an impact not only on my credit but also in my life, I can breathe again, and the past mistakes are behind me. Thank you to all the Staff that works hard to accomplish the results I was hoping for! P.S. I love the online chat, quick and easy."
"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."
Security and protection is a natural and rational fear especially when it comes to confidential data as administered in the world of credit repair. Downloadable credit repair software companies bash web-based software, accusing it of being less secure, which has proven to be false. TurboDispute has the same level of security as when you log into your bank account online, and has invested in more safety and security technology than about 99% of other credit repair software companies around the world. While all walls are able to be invaded, it is more likely that someone would break into a home or office and access files from the computer than to break through the advanced security that is safeguarding your files through the credit repair software. With TurboDispute, users have a piece of mind knowing that no matter what happens to their computers or hard drives, their data is completely safe and stored through the credit repair software online. Since the data is owned by each credit repair company, businesses can download and backup their files as often as they want.
The payment history of the individual can be a significant factor on their credit standing. Taking steps to make sure payments are up to date or improve the payment schedule for outstanding credit can beneficially affect their credit score. Furthermore, the amount of credit used by the individual can also play a role. For instance, if an individual is actively using large portions of the credit available to them, even if they are maintaining minimum payments on time, the size of the debt they are carrying can negatively affect their credit rating. The issue is that their liquidity may be pressured by the overall debt against them. By taking measures to reduce their overall debt load, they may see improvements to their credit profile.
Credit repair services: Credit repair services to help dispute and remove collections, late payments, bankruptcies, repossessions, duplicated accounts, junk debt buyers, short sale and foreclosures, incorrect personal info, inflated/expired debts, outdated information, judgments and charge-offs. In addition to credit repair services, Credit Assistance Network offers identity theft resolution and public records disputes.
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.
There are no overnight fixes when it comes to your credit, and repair is no exception. Depending on the type, and number, of items on your report you wish to dispute, repair can take anywhere from six weeks to more than a year. No credit repair agency can give you a “30-day guarantee” to solve all of your problems — not only is it unlikely, it’s illegal.
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.
"My experience with CreditRepair.com is the best choice ever, I’m happy I am seeing good results on my credit report. I’m so happy debts are being removed from my credit. My score is rising daily, an I am receiving letters from the creditors that confirm the removals, I can’t believe it. All I had to do was become a member with CreditRepair.com, and let them handle everything. Customer service is awesome! Someone is always available to you, they contact me according to any alert to my credit, and I will recommend any one to join CreditRepair.com. The best results, thanks!"
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.
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.
For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. We show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of the product as stated by the issuer itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.