The company has an A+ Better Business Bureau (BBB) rating, and it offers affordable pricing, a $0 set-up fee, and a 90-day money-back guarantee. According to Sky Blue Credit, the average time it takes to see results in our reports is 45 days. Additionally, Sky Blue Credit offers a special discount for couples. This makes it a great option if you want to work as a team to better your financial situation in general or in advance of a home purchase. Offer pros and cons are determined by our editorial team, based on independent research.

But as you’ll see, there are plenty of better ways to rebuild your credit. Credit repair is a credit repair company’s business — all day, every day. These companies can spot what is disputable, and with teams of trained professionals, there’s a good chance they’ll catch the things you may have otherwise missed. If you don’t have any experience dealing with creditors, bureaus, and potential legal issues — or don’t want to figure it out on your own — a credit repair company can be a wise option. Some of the most common reasons include missed or late payments, high credit card balances, collections and charge-offs, bankruptcies, and foreclosures.

What Is A Credit Repair Company?

Couples can get a $20 discount for registering together.[9] The Premium Flat Rate plan offers greater value for your money. You’ll end up paying around $99 monthly for premium features compared to the Standard plan. Before engaging in credit repair, we provide free consultation on your credit situation.

Some consumers with complaints were validated when Lexington Law and Creditrepair.com entered into $2.7 billion settlement agreement with CFPB in 2023. The CFPB accused the two companies of taking illegal advance fees from their clients through telemarketing, which violates federal law. Credit Saint is a long-standing credit repair service that has been helping customers with their credit since 2007. No credit repair service can guarantee a score increase as the outcome varies depending on your credit situation.

It helps clients repair their credit scores through credit education and correction. It covers different types of credits, such as consumer, mortgage, and business credit. It analyzes the client’s current credit status and collaborates with creditors and credit bureaus to work on the negative items in the clients’ credit report.

You’ll have to weigh the cost of hiring a credit repair company and how likely you’ll get results against what you could end up spending as a price for having bad credit. The Credit Pros are a one-stop shop for credit repair and credit building, which in my opinion go hand-in-hand. You can repair your credit with disputes, but if you don’t do anything to improve your credit moving forward, you’ll be stuck.

Why Should I Choose Creditdiy Over Other Services?

The credit repair company will contact the major bureaus and financial creditors to dispute any errors. Paying your credit card balances in full every billing cycle can help you pay less in credit card interest than if you carry over your balance month after month. And it can ensure that you stay below your credit limits and avoid adding to credit card debt. Ultimately, the healthier a borrower’s credit reports and scores are, the more attractive the borrower may be to lenders.

Take Charge Of Your Credit Score

In some cases we will file separate charges with the Federal Trade Commission and Bureau of Financial Protection against each  Credit Bureau and each individual creditor. Credit repair services can’t remove legitimate and current information from your credit history, like unpaid balances, defaulted loans or bankruptcies. They work to ensure the information in your credit report is accurate. One way to stay on top of your credit is with CreditWise from Capital One. With CreditWise, you can access your credit report and credit score as often as you like without hurting your score.

We offer expert-driven advice and resources to help you earn, save and grow your money. On the other hand, some companies have been known to seed inauthentic positive reviews on popular review sites. Steve Rogers has been a professional writer and editor for over 30 years, specializing in personal finance, investment, and the impact of political trends on financial markets and personal finances. If you have been wondering how to repair your credit, then you have come to the right place. We will work with you from the very beginning to assess your credit needs and get to the root of your credit issues.

In most cases, it only makes sense to retain a credit repair company if you have a significant number of negative entries on your credit report. If a few accounts are doing the damage, a DIY approach might serve you better. We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score. Impeccable Credit Services specializes in restoring your credit options. Our restoration program focuses on disputing the negative, inaccurate accounts from your report, along with establishing the positive trade lines to rebuild your credit score.

Working with a credit repair company can be costly, unlike partnering with a credit counseling agency, which typically offers free or low-cost services and places a greater emphasis on education. For one, credit repair companies are for-profit, while credit counseling agencies are typically nonprofit organizations. While the former offers a limited paid service, the latter takes a big-picture approach to your overall financial health. The lower your credit score, the harder it will be to secure a lower interest-rate loan or credit card. A high credit score can help unlock the best available loans, credit cards, and other financial products. While Sky Blue Credit has many pros, feedback from past customers is fairly limited and existing reviews are mixed.