You’ll have to decide whether the experience and the superior tools outweigh the recent history of legal problems. Lexington Law has filed for Chapter 11 bankruptcy protection, laid credit repair services off 900 employees, and shut down 80% of its operations. It is not clear how much of the fine will be paid or whether Lexington Law, CreditRepair.com, and their related companies will remain in business. Ovation offers discounts of up to 20% for couples, members of the military, and senior citizens. We’ll present a summary of review results, but please read them critically. They are a useful tool but may not always give an accurate impression.
Credit Score: 794 647
Reviews on BBB seem authentic, with some past customers praising the company’s customer service team and positive results. That said, a few reviewers mentioned that they didn’t see their credit improve after working with Sky Blue. If you decide to move forward, expect a monthly fee of $50 to $150. However, fees vary by credit repair company and the level of service provided.
Many people who report negative experiences had unrealistic expectations or did not fully understand the service. Our credit repair team takes action and begins correcting errors on your report using our proprietary system and team of industry insiders. And they offer some of the most affordable credit repair packages, starting at $49.99 per month.
Compare Our Top Credit Repair Companies
It’s important to understand the specific factors that are contributing to your low credit score so that you can take steps to improve it. Credit repair is the process a person goes through to improve their credit. Repairing credit and improving credit scores is important because credit scores reflect a person’s creditworthiness—something lenders look at when deciding whether to offer loans.
Our dedicated credit repair experts offer personalized client services and review the credit reports to help you find the answers to all your queries. UCES Protection Plan offers professional credit repair services in Los Angeles to help people rebuild their credit. Its credit experts use a proven system to have the credit bureaus eliminate any inaccurate, obsolete, or erroneous account entries. When necessary, its credit attorneys legally fight abusive debt collectors to achieve a quick and fair settlement. USES Protection Plan also offers a wide variety of educational services, credit tips, and resources to help clients maximize their credit score. Working with a credit repair company could provide some much-needed relief if you’re struggling with significant credit issues.
We ranked them based on fees including monthly rates, setup fees, money back guarantees, and available discounts. Average time to see results (53%) – When it comes to repairing credit, time is money. The sooner your credit score improves, the sooner you can get better rates on loans and credit cards. Sky Blue Credit provides credit bureau disputes with both of its plans, but it doesn’t disclose how many monthly disputes it offers. In the past, it seems this company has limited disputes to 15 a month—five for each of the major credit bureaus.
However, in our experience, most individuals who are not savvy with consumer and credit laws typically do not have much success in their endeavors to repair their personal credit. It is tedious, time consuming, confusing, and overall frustrating to repair your credit. We have had to help numerous individuals repair damage they caused by disputing their own credit woes with the credit bureau. Engaging with a legitimate credit repair company will save you time and the headache of dealing with bad credit on your own. Working with a professional credit service can boost your confidence and help fix your credit score. Simply put, credit repair companies repair credit; although, a good credit repair company will provide more than just that.
Evaluate the services offered thoroughly — items like credit score monitoring may already be available through your bank. There is no reason to have bad credit, all it takes is a bit of time and a bit of work. The fastest solution will be to go with a credit repair company and let them do their magic. After gathering all the necessary reports, our evaluation will determine what steps we need to take to correct your report and fix your bad credit score.
This is why we strive to create a strong and healthy relationship with our customers. ANG Credit Repair Solutions will provide you with all legal support and assistance every step of the way. For a one-time fee of $299, followed by $59 monthly, you unlock access with no hidden costs or fine print.
Pay a one-time subscription fee of $299, along with a $59 charge for each monthly repair cycle. This gives you full access to CreditDIY’s AI tools, dispute generator, and real-time bureau syncing—everything you need to fix your credit on your terms, with no surprise costs along the way. Strengthen your financial foundation with ease using CreditDIY’s streamlined services.
In short, we want to help you achieve your goals towards financial success. Having public records against you is hard enough, it is even worse when they are impacting your credit scores. We can help remove public records that are inaccurate and unverifiable from your credit. Better pricing and better rates go to those people with better credit scores. We strive to provide up-to-date information, but make no warranties regarding the accuracy of our information.
To find the best credit repair company, check the company’s name on the CFPB’s Consumer Complaint Database and see if there are any cases opened against it by the FTC. It’s equally important to know that credit repair companies are legally prohibited from collecting payment for services upfront. Our customizable and comprehensive solutions allow you to repair your credit easily and effectively. For this list, we selected credit repair companies with over a decade of experience in the industry, ensuring a solid track record of successful disputes and removals for their clients. But others may require all three to get to their ideal credit score.
Its credit specialist also assists clients in picking loans and credit cards to aid in the development and maintenance of their improved credit scores. Clients can view the status of their credit scores in real time by logging into their online accounts. Credit Glory is an independent company that has been providing results-driven solutions to clients across the country, including Washington, D.C., for more than two decades.
Terms of service must be outlined in a written contract, which has to include payment structures, an estimated time frame to complete the credit repair services, and any performance guarantees. The Credit Repair Organizations Act also forbids credit repair companies from using deceptive advertising practices, such as making false promises. It’s also a great choice if you have a limited budget and are seeking a credit repair service that offers low initial work fees. These fees can be costly, so the fact that The Credit People charges $19 sets it apart from competitors. While this company doesn’t offer a money-back guarantee, it does let you cancel at any time, and you won’t be charged for that particular month of service. Costs (15%) – Many credit repair companies have developed a poor reputation of charging high fees while delivering little-to-no results.
Most credit repair companies will charge an initial review or set-up fee as well, and this is oftentimes the same price as the monthly fee. If your financial situation means you need some flexibility from your credit repair company, then Sky Blue Credit Repair could be the best fit for you. Sky Blue has an A+ rating from the BBB and offers a 90-day satisfaction guarantee that it will refund your money in full if you’re not satisfied with its service.