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credit repair companies

Choosing Credit Repair Companies

 

As detailed in the preceding article, here are further lists of credit repair agencies you can choose from to fix your credit repair reports and challenges.

 

Best for Transparent Pricing: Sky Blue

Sky Blue Credit has been in operation since 1989, so it boasts of strong strands in the industry and is one of the oldest in our ranking. Credit repair companies

They offer a transparent affordable pricing system with a monthly fee of $79 for individuals or $119 per month for couples. Note that like Credit Saint, Sky Blue Credit charges a one-time first work fee which is equal to the monthly charges on your account.

Sky Blue Credit helps you monitor your credit score while they file credit disputes that can repair any damaging information in your credit history.

They also offer debt validation, goodwill letters, cease and desist letters, and more at no additional cost. They operate money-back guarantees as well, so you can be refunded should they couldn’t get your signed contract done.

 

PROS

  • Free consultation to discuss your options
  • Affordable, transparent pricing
  • 90-day money-back guarantee on all plans

 

CONS

  • Credit repair packages require a one-time setup fee
  • No mobile app

 

List of Services:

  • Credit disputes (up to 15 items every 35 days)
  • Credit score rebuilding services
  • Statute of limitation research
  • Debt validation
  • Goodwill letters
  • Cease & desist letters

 

 

Best for Fast Results: The Credit People

The Credit People have been in existence since 2001, so they have over 20 years of experience to address every aspect of your credit repair services.

With their vast experience, the company promises to deliver meaningful results with your credit within the first 60 days.

This makes them faster in delivery than other credit repair companies on our list claim they can perform.

 

They offer the same basic credit repair services as other companies, but their price is quite different.

With $19 you can get started and pay only $79 per month, while they have the space to prepay $419 for six months of service. This brings their total monthly for six months down to $70 per month.

 

PROS

  • Free consultation to discuss your options
  • Results promised in as little as 60 days
  • Free credit reports and credit scores from all three credit bureaus
  • The mobile app lets you track your credit repair progress on the go
  • Customer service offered via live chat, phone, or email
  • Cancel at any time and get your last payment returned

 

CONS

No information on company experts or their credentials is offered online

 

List of Services:

  • Credit report disputes
  • Free credit score from all three credit bureaus
  • Free credit report from all three credit bureaus
  • Debt validation
  • Inquiry validation
  • Creditor communication included

 

 

Best Phone Support: Pyramid

Pyramid Credit Repair started operation in 2011, before 2011, they first operated s a software company that aimed to help consumers repair their credit on their own.

However, they expanded their business by adding their credit repair services to their packages and now operate as a full-service credit repair company.

The pyramid stands managed to climb the ladder because of their money-back guarantee, their 24/7 customer support phone options, and the transparent pricing that applies to their plans.

Their singles credit plan is only $119 per month, but you’ll pay $198 per month as a couple. Also, on the plans, you can pay $25 per month for 24/7 identity theft protection, credit monitoring including dark web monitoring, and $25,000 in identity theft insurance.

 

PROS

  • Unlimited 24/7 phone support
  • Unlimited credit disputes
  • Free personalized credit assessment
  • 90-day money-back guarantee on their credit repair plans
  • No upfront fees required

 

CONS

  • Credit monitoring requires an extra monthly fee
  • No mobile app
  • No online dashboard for clients

 

List of Services:

  • Unlimited credit report disputes
  • Personal finance tools
  • Debt validation
  • Inquiry validation

 

 

Best for Personalized Service: Ovation

Ovation Credit Repair is a Lending Tree company that offers a free consultation and an in-depth look at your credit situation and score.

They also provide personalized credit support from a case advisor who will become engrossed with your case, along with personalized dispute resolution and same-day service in some cases.

Plans from Ovation cost either $79 or $109 per month depending on the level of service you require. However, you’ll also need to pay an upfront fee of $89 to get started with either credit monitoring plan.

 

PROS

  • Free consultation to discuss your options
  • The online dashboard lets clients monitor their credit repair progress 24/7
  • A dedicated case manager oversees your case
  • You can cancel your plan at any time

 

CONS

  • No money-back guarantee
  • No mobile app
  • Upfront “first work free” of $89 is required to get started

 

List of Services:

  • Credit disputes
  • Debt validation
  • Goodwill letters
  • Personalized recommendation letters
  • TransUnion credit monitoring
  • Financial management tools

 

With this information, you should be able to pick a good credit repair agency based on your exceptional credit need. Click the link below to see the rest of the companies on our list.