Best Credit Repair Companies in 2020

Are you looking for professional assistance to repair your credit? Then you must take a look at the services offered by the best credit repair companies out there. They will provide all the support and assistance that you need with repairing your credit. You just need to stick to the services and experience the positive returns that come along with them.

The results that you get with credit repair would vary based on the exact credit repair company you contact. This is the main reason on why we thought about letting you know about 5 of the best credit repair companies. All you have to do is to go through the reviews and pick the best credit repair service provider out of them. Then you can handover your credit repair job and end up with receiving positive returns that come along with the service.

  1. Blue Water Credit

Blue Water Credit is a credit repair company that is known to deliver amazing returns to people with legitimate credit repair techniques. Due to the same reason, you can proceed with the solutions offered by Blue Water Credit without keeping any doubts or second thoughts in mind. They will make sure that you receive outstanding returns with improving your credit.

Price

You will have to spend a monthly retainer fee of $149 to obtain the services offered by Blue Water Credit. There is no initial processing fee. Therefore, you can make sure that you are spending money only on the services that you receive along with time. This is one of the most prominent reasons available to include Blue Water Credit in the list of top credit repair companies. Any person who wants to find a credit repair near me company can take a look at Blue Water Credit as well.

Reputation

Blue Water Credit is a family owned small business. The company has been able to maintain a strong reputation throughout the past. This is mainly because the credit repair experts who work along with Blue Water Credit are in a position to help the people to save time and make their lives easy when going through credit repair process. Hence, no person needs to keep doubts or second thoughts in mind while obtaining the services offered by Blue Water Credit. The credit repair service offered by Blue Water Credit is three times faster when compared to the other services. Therefore, all the clients will be able to save a considerable amount of time. However, it is also important to keep in mind that such a speedy service is offered while adhering to legitimate credit repair practices at all times.

Features

One of the best features that you can find in the services offered by Blue Water Credit is that the team is in a position to provide a great support to you with saving your time. You just need to provide some basic information to the experts who work for Blue Water Credit. Then you will be provided with all the support needed to improve your credit. That’s because a credit repair specialist will attend to all your accounts and work on repairing your credit. In fact, the specialist will work along with all the three bureaus once in every three months to help you with repairing your credit.

Blue Water Credit is a credit restoration company that can provide you with comprehensive credit education as well. Therefore, you will never come across the need to contact Blue Water Credit in the future. You will be provided with education and tools, which you can use to maintain your credit score at a healthy level in the future. All you have to do is to stick to it and enjoy the benefits that would come on your way.

It is important to notice that credit repair will not be able to deliver the best returns to everyone. However, the scam companies will tell that any person can improve credit. That’s because such companies are capable of getting more customers to pay for them. Blue Water Credit does not follow any such shady practices while offering services for the people in need. If there is no possibility to help a person with repairing credit, Blue Water Credit will clearly mention about that. In fact, 30% of the clients who come across the services offered by Blue Water Credit don’t tend to proceed to the next step of hiring them. That’s because Blue Water Credit is not capable of providing any assistance to them with improving the credit score.

Once a person handover a credit repair task to Blue Water Credit, a dedicated case manager will be assigned to him. Hence, the client will be able to discuss matters with the dedicated case manager and end up with a positive outcome.

In the meantime, the credit repair coach will keep on sharing useful and valuable information about the different components that are associated with the credit score. This can also contribute heavily towards the positive experience that a person can receive while working along with the credit repair specialists.

Cancellation

Blue Water Credit is offering no risk cancellation to all the clients as well. It is possible for any person to easily access to refund policy on official website. This can help a lot for a person who wants to cancel receiving the services.

Reviews

Blue Water Credit is maintaining five star reviews on all the leading third party online review platforms. They include Yelp, Facebook and Google as well. It is never an easy task for a credit repair company to earn gleaming five star reviews. However, the team behind Blue Water Credit has been able to achieve the job perfectly well. Therefore, you can trust on the services offered by Blue Water Credit and go ahead with them. You will never get disappointed with the service that you are receiving at the end of the day. A client who works with Blue Water Credit just need to go ahead and work with the credit coach, who will provide all the support needed to improve the credit score. This will help the clients to save money and get the best loan rates as well.

  1. CreditRepair.com

CreditRepair.com is a credit repair company that offers numerous extra features for the clients. Usually the clients who wish to purchase services available to them with credit repair companies are keen to take a look at the extra features available and move forward with them. This fact has helped CreditRepair.com to get into the list of best credit repair companies. For example, clients who go ahead with the services offered by CreditRepair.com can receive comprehensive identity theft protection services.

Price

The services offered by CreditRepair.com are marked at a price tag of $99.95 per month. At this price, you can expect to receive all the top tier services offered by the company, which include credit report monitoring and identity theft protection. However, you will have to make an extra payment for $14.99 to get the credit reports.

Reputation

CreditRepair.com is a company that was established back in the year 1997. This is one of the oldest credit repair companies. Therefore, it has a decent reputation when compared to other services.

Features

All the basic credit repair services offered by other companies are available to people with CreditRepair.com as well. When a person makes a decision to proceed with obtaining the credit repair services offered by CreditRepair.com, it is possible to get assistance with fixing mistakes in the credit report and sending out good faith letters. On top of that, the credit repair experts can also help the clients to use the loopholes to content on the items that are mentioned in the credit report as well.

CreditRepair.com is capable of communicating along with the furnishers directly. Along with these communications, it is possible to get a better service when compared to other service providers. In addition to that, CreditRepair.com is providing access to a comprehensive dashboard. This dashboard is personalized. You will be able to take a look at this dashboard and get a visual representation of the credit score. The dashboard will get updated as you move forward with your credit repair process. Therefore, you will be able to visually see how you are making progress along with time.

Cancellation

You will have to renew your subscription with CreditRepair.com on a monthly basis. In other words, you have to pay money at the beginning of the month and receive the services that are available. If you don’t wish to continue with the services, you can refrain from making a payment. Then you will be able to cancel the contract.

Reviews

CreditRepair.com has some good reviews on the internet, but they are not the best. On average, you can find 4 out of 5 stars in the reviews that CreditRepair.com has been able to receive in the past. You will also notice that CreditRepair.com is capable of helping the clients to remove around 7% of the questionable negative items from credit report on a monthly basis. Even though this is not the best, clients can still expect to receive some positive returns.

  1. Lexington Law

Lexington Law is a popular credit repair company out there. When you go through a list of best credit repair companies 2020, you will be able to see the name of Lexington Law. Likewise, you can even find the name of Lexington Law in the list of best credit repair companies 2018 list as well. In other words, Lexington Law has been able to maintain a strong reputation throughout the recent past while delivering an excellent service to the clients. Most of the credit repair companies are not in a position to match the services that Lexington Law is offering.

Price

Lexington Law offers services under three different tiers. They are marked at $89.95 per month, $109.95 per month and $129.95 per month. The services offered to you would vary in between these different tiers. It is up to you to take a look at the services and subscribe to the best one accordingly. However, this can be quite confusing for the beginners. Therefore, we often see how the clients of Lexington Law end up with purchasing the incorrect package. There is no proper guidance available for the clients to follow and pick the best package out of them. Apart from the monthly fee, clients will have to pay an initial fee of $99.95. Moreover, $14.99 should be paid to get the credit reports.

Reputation

Lexington Law was established back in the year 2004. It has existed as a credit repair service provider for many years as well. However, it is important to notice that Lexington Law is not an accredited credit repair agency with Better Business Bureau. Therefore, you need to be a bit mindful when you are going for a deal with the service provider.

Features

Lexington Law offers all the basic services that you can expect to receive out of a credit repair company. For example, you can ask the experts who work along with Lexington Law to fix the mistakes that are present in your credit report. In addition to that, good faith letters will be sent out to the lenders to provide a helping hand to you with improving your credit scores as well. If there are any loopholes that can help a client with boosting the credit score, Lexington Law will take a look at it and provide all the support needed.

If a client subscribes to the second tier package, he will be able to get additional assistance. For example, the second tier package comes along with credit score improvement analysis and monthly credit analysis. The top tier package offers personal finance tools and identity fraud alerts while helping a client to monitor finances effectively.

Cancellation

You can get monthly renewals on the credit repair services offered by Lexington Law as well. If you don’t wish to continue with the service, you can simply cancel it. In other words, you have the freedom to cancel the service at any given time.

Reviews

Lexington Law is a reputed credit repair agency. However, you can find many negative reviews about them because of the confusing packages. Most of the people end up with purchasing the incorrect credit repair package offered by the experts.

  1. Pyramid Credit Repair

Any person who wants to discover an alternative credit repair service will be able to take a look at what comes along with Pyramid Credit Repair. It is a great company. However, it is not in a position to compete with the other companies that are presented in this list. That’s why we thought of recommending it to you as an alternative credit repair company available out there to consider.

Price

You will have to spend $99 per month to obtain the credit repair services offered by Pyramid Credit Repair. You can also find a couples plan available on Pyramid Credit Repair, which is marked at a price of $198. This plan offers services to two people. When you go for it, you will be able to get a 50% discount on the very first month.

Reputation

Pyramid Credit Repair is a relatively new credit repair company. As a result, they are still going through trial and error methods to figure out some of the aspects. This is the main reason on why you don’t find a large number of gleaming reviews available online about the services that are offered by Pyramid Credit Repair.

Features

The basic credit repair assistance offered by other credit repair companies are available to you with Pyramid Credit Repair as well. When you handover a credit repair task to Pyramid Credit Repair, you will be assigned with a dedicated account manager. You will find it as an easy task to work along with this dedicated account manager and get all the support that you need with improving your credit score. The account manager will provide regular feedback to you and keep you informed about the progress as well.

It is also worthy to notice that Pyramid Credit Repair has got licensed in-house attorneys. This is something that you don’t commonly see in the credit repair companies out there. You will therefore be able to get the services offered by attorneys as well.

Cancellation

Since the services offered by Pyramid Credit Repair are available to you on a monthly basis, you have the freedom to cancel the services at any given time. This can provide added flexibility and freedom to you while getting the services offered by Pyramid Credit Repair.

Reviews

You can find 3 starts out of 5 among the reviews available for Pyramid Credit Repair on the internet. This is mainly because Pyramid Credit Repair is still a relatively new company to offer credit repair services. You will be able to find numerous new services offered by Pyramid Credit Repair in the future.

  1. The Credit People

The Credit People is among top 10 credit repair companies as well. If you are looking forward to go ahead with a trial run, this is a good service available to pick. Not all credit repair companies offer trial periods for the clients who are keen to test the services. However, it is possible to get such a trial period from The Credit People. As a result, you can call it as a great credit Repair Company available to consider. However, this is not a free trial. You will need to make a payment of $19 for the 7-day trial period.

Price

The trial period offered by The Credit People is good for the people who are trying out the services offered by a credit repair company for the very first time. All you have to do is to spend just $19 out of your pocket for the trial. After the trial period, you can subscribe to a monthly plan, which is marked at a price of $79 per month. Apart from the monthly subscription fee, there is no initial set up fee that you have to pay. Hence, The Credit People is quite an affordable company as well.

Reputation

The Credit People was established back in the year 2001. Even though this is an old credit repair company, you will not be able to find a large number of positive reviews. Instead, you will see lots of mixed reviews about the service available online. Hence, it is worthy to go through these reviews and make a better decision when you are obtaining the services that are available.

Features

The Credit People is pretty straightforward with the services that are offered to the clients. In other words, you will be able to get your hands on straightforward credit repair services by these experts. They include sending good faith letters for the lenders, fixing the mistakes that can be found on your credit report and searching for the legal loopholes, which are in a position to provide a helping hand to you with increasing your credit score. If you don’t want to receive any fancy value added services, but you are just keen to get basic credit repair services, you should take a look at what comes to you along with The Credit People.

Cancellation

Since The Credit People offers a trial period, you will find it as an easy task to test the service. After that, you will have to renew the service on a monthly basis. No matter what, you will have the freedom to cancel your subscription along with The Credit People at any given time as well. Therefore, you can receive freedom with cancellation and proceed with obtaining the services that are available to consider.

Reviews

As mentioned earlier, The Credit People has mixed reviews. When you take a look at the reviews that The Credit People has been able to achieve in the past, you will be able to see both positive reviews as well as negative reviews. In the meantime, it is important to notice that The Credit People is not a service that is accredited with BBB.

In the third party platforms such as Google, Yelp and Facebook, you can find 4 star ratings for The Credit People instead of 5 star ratings. The customer support is not available for the clients of The Credit People throughout 24 hours of the day as well. Therefore, you cannot really call this as a credit repair service that can help you to save your time while improving the credit score.

Credit Repair FAQ

Here are answers to some of the frequently asked questions about selecting the services that are offered to you out of a credit repair company. If you don’t want to pick a credit repair company by keeping any doubts in mind, you should go through these questions and figure out the solutions accordingly.

 

What is the credit score?

Your credit score is an indication of your financial responsibility. This is calculated based on the overall credit history that you have. This includes the payments that you have made to the loans, mortgage, credit cards and other similar financial obligations. The credit score will be indicated in a ratio in between 330 to 850. If the credit score is low, you are not doing well with your finances. Therefore, you will have a difficult time when you are trying to obtain a new loan. Therefore, it is important to make sure that you are pushing your credit score to at least 660.

What are the three credit bureaus?

The three credit bureaus represent the three prominent credit reporting agencies. They include Experian, Transunion and Equifax.

What is the fair credit reporting act?

According to the credit reporting act, it is important to make sure that credit reporting agencies should remain accurate, private and fair when dealing with customer information and providing assistance to them with improving the credit score along with time.

How to obtain a credit report?

There are numerous sources available online for you to go ahead and obtain your credit report. Instead of requesting for a copy of the credit report on your own, it is better to seek the assistance of your credit report agency to work on that. Then you can expect to receive your credit report in the best possible way. This can deliver an excellent experience to you with getting hold of the credit report as well.

What is a credit repair service?

A credit repair service will be able to deliver much-needed assistance to you with improving your credit score. All you have to do is to get in touch with the credit repair company and provide the basic information to them about your credit status. Then the experts who work for the credit repair service will work on your request and deliver the assistance that you need to improve the credit score. However, it is important to make sure that you only follow legitimate methods that are available for improving the credit score. The legitimate credit repair companies will be able to deliver assistance to you with that.

Will credit repair work for you?

Not all people can get the best results with credit repair. However, it is worthy to give it a try at least. Then you will be able to remove the negative items from your credit history removed. If there is an entry in the credit history, which is not completely verifiable or accurate, you have the possibility to get that removed. The credit repair agency that helps you will be able to follow the process and deliver the assistance you want. If you can pick one of the best credit repair agencies, you will be able to receive an excellent level of assistance with this.

Are you a good candidate for credit repair?

Not all people are good candidates for credit repair. Therefore, you need to double check and verify whether you are a good candidate to proceed with credit repair or not. If you have successfully come out of personal recession, you will be a good candidate to proceed with credit repair. That’s because you will be in a position to afford your lifestyle and make the bill payments in a timely manner. Therefore, you can get the assistance of a credit repair specialist and move forward with your life, such as to buy a new car or a new home.

How can I know whether credit repair is working for me or not?

The credit repair agency you work with will provide you with regular updates you about the progress. A quick timeline of when you can expect the results will be provided to you during the initial stages. Then you will be able to receive the regular updates as per the timeline. Based on that, you can see how the inaccurate entries of your credit history are getting removed and how you will be able to increase the overall credit score in a convenient manner along with time.

Can a credit repair company help me to refrain from the calls from my creditors?

When you are under debt, you will have to get non-stop calls from the creditors. This can be a frustrating situation to deal with. If you don’t want to deal with this situation on your own, you just need to make sure that you are obtaining the services offered by a credit repair specialist. The credit repair specialist will work directly with the creditors and keep them away from calling you.

Is my personal information confidential?

Yes, the personal information that you share with the credit repair agency will not be shared anymore. In other words, the credit repair agency will respect your privacy and provide you with the service accordingly. You just need to make sure that you submit accurate information to the credit repair agency, so that you will be able to receive an effective service at the end of the day.