Credit Saint
Credit Saint works by disputing inaccurate or incomplete information on your credit report affecting your score. Its team looks at misleading or biased claims hurting your credit rating and challenges them on your behalf. It offers a free credit consultation to evaluate and determine if you are a perfect fit for their services. Like other credit restoration firms, Credit Saint has several credit repair packages varying in features at different price points and operating on a monthly fee and a once-off fee. These packages operate on a 45-day cycle and give regular progress reports on your online dashboard to monitor your progress. Credit Saint offers three packages:- Credit Polish
- Credit Remodel
- Clean Slate
Each of these varies in aggressiveness and price, all with the same one-off setup fee. Credit Saint has a 90-day money-back guarantee to solve your issue within 90 days.
Lexington Law
This law firm serves as a reliable credit repair firm and has the most experience helping users improve credit history. Lexington Law uses three major credit bureaus to remove incorrect or misleading items from your credit report using cease and desist letters and official disputes to challenge these inaccuracies. However, this does not cover removing legitimate late payments and hard checks. Lexington Law offers three packages, with Concord Standard being the most affordable. Others include Concord Premier and Premier Plus as the most expensive. Its most appealing feature is a 24/7 helpline that gives you access to advisors whenever you need them. They offer family discounts where two members of the same household sign up within 72 hours of each other for 50% off the once-off first work fee.Credit Repair
Credit Repair is an online repair company offering extended plans to help clients repair and maintain their credit scores. It is best for fast repairs and uses a three-step repair process: check, challenge, and change.Credit Repair offers three plans:
- Direct Plan is the basic plan
- Standard
- Advanced is the most aggressive
All of them have a monthly fee and a one-off setup fee. It offers free credit score analysis and a personal online dashboard to help you monitor progress in real-time. The service has a simple to use mobile Credit Repair app to track your financial situation on the go. It is an active government action for allegedly violating consumer protection laws, notably billing issues, thus trustworthy.
The Credit Pros
Credit Pros provide free credit reports and stand-alone monitoring services to help clients maintain their credit scores. It offers three credit repair packages with various services at different monthly fees, all with a one-time setup fee. The Money Management plan allows for one dispute of credit reporting errors in total. The Prosperity Package provides an unlimited number of credit disputes. The Success Package is top tier and includes all services as well as a credit line from National Credit Direct. There is also Credit Pros plan standard credit monitoring, with access to live chats and a 90-day money-back guarantee.Sky Blue Credit
Sky Blue Credit provides the cheapest repair service. Founded in 1989, it serves as a robust competitor among other credit repair corporations. It offers a free credit consultation before you sign up and lets you know if they can assist. Like all authentic credit repair companies, Sky Blue Credit aids in boosting your credit score by scrutinizing wrong or ambiguous items on your credit report, which means they cannot repair damaging credit behaviours such as late payment and multiple hard pulls within a short duration.Unlike other credit restoration agencies, Sky Blue has one plan for all customers with a set monthly fee, which includes 5 disputes for every credit bureau every 35-day credit dispute phase. The package also comprises goodwill, cease-and-desist, among others. However, it does not include any financial management apparatuses. It offers coaching on building and maintaining a good credit score, has a 90-day money-back guarantee, and 25% of the total amount couples discount.