You will have to lose lots of dollars throughout the life if you have bad credit score. Your bad credit will compel you to pay a higher insurance premium or interest rates on loans every time. It can also restrain you from achieving your goals like completing your education, buying a home, planning your retirement and enjoying your dream vacation etc. But you should not worry much about it as there are several credit repair companies which can help you out of this problematic situation. But before finding the best credit repair company for you, it is necessary to have some basic knowledge advice about credit repair.
What Is Credit Repair?
If you have bad credit report then there can be several reasons behind it. It can be due to your habits to spend money or some error in your credit report.
Most probable chances of your bad credit can be your spending habits. You may have too high debt levels or you may have missed some of the payment which has caused this blot on your credit report. You can repair it yourself by improving your credit score by changing your spending habits. As it takes nearly seven years for negative information to affect your credit score similarly its effect lessens with time unless you make some more mistakes.
If your bad credit is due to some error in your credit report then some credit repair company can help you in correcting your record with all the three credit bureaus. Suppose some old payment is standing unpaid in your credit record for long. In such case, your credit record can be rectified by deleting wrong information from it. You will have to pursue this dispute with all the three credit bureaus which involve lots of documentation and legal formalities. All such things may not be possible for you unless you are familiar with them. In such condition, you will have to find out the best credit repair company for you.
Finding the best credit repair companies
A company that can help you in removing negativities from your credit report along with improving your FICO score can be considered the best. It will help you in fulfilling your dreams like buying a vehicle, home, insurance or mortgage easily. But due to several scam credit repair services, it becomes difficult to find the best and most reliable one. A brief review of some popular credit repair companies, provided hereunder, will help in this regard.
SkyBlue Credit Repair: It is one of the best credit repair services due to its lowest initial price of $59 per month. They offer simple and effective credit repair services to their clients by fixing the error in your credit report without complicating the situation. You can cancel its services anytime as they offer service son monthly basis. Their A+ rating from the Better Business Bureau also makes them the best service provider in this class. They offer 90 days money back guarantee if they could not repair your credit, due to any reason, otherwise, they are always helpful for their clients.
The Credit People: they offer trail for 7 days for $19 only before you buy their services for $59 per month or $299 for 6 months. Hey also fix the mistakes in your credit report in the simple and uncomplicated manner by addressing legal loopholes in your case. You can cancel their monthly services any time if you are not satisfied. Though their average rating on the BBB is B still they are considered one of the best and most reliable credit repair services. They are reliable because they offer 100% no satisfaction money back guarantee for 6 months. They offer limited customer service. You can contact them between 8am and 5pm on phone or email to get their response within 24 hours.
Lexington law credit repair: They charge a monthly fee for $79.95, $99.95 or $119.95, as per the quality of service you expect from them. At an initial fee, they offer basic credit repair services like other companies. At second level they monitor the monthly credit and analyze improvement in credit score of their client along with repairing their bad credit. At the third level, they include alerts for identity frauds and monitor your finances by using personalized financial tools. You can cancel their monthly services anytime. Their BBB rating of A- provide them a strong reputation in the market. They charge their fee only after completing their work. You can contact them by phone, chat or email anytime.
Thus you can find the best credit repair companies for you.