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Credit Repair Report Company Reviews |
Our goal is to
provide facts, profiles, pricing, and an unbiased consumer credit repair report.
Also, we include feedback (including complaints) of
the major online credit repair companies. We do
this so that you can make better choices when choosing a credit repair company.
We do all the work so you can decide which credit repair
company to use. All of the information you need to clean up your bad credit
report and/or increase your credit score is presented here in these reviews.
The companies listed here are all legal and ethical
businesses. They provide a valuable service to many people. Most of the
businesses that we reviewed provide similar services. The difference is that some provide different
levels of customer service and extra features. Each company is unique in
providing its own set
of services and features. From the information presented here you should
be able to make a rational decision in choosing a reputable credit repair
report company with the
services you need at the price you can afford.
You can always contact us by email at:
manager@creditrepairreport.org.
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DSI Credit Solutions |
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DSI Credit Repair is one of the best credit repair companies
in the credit restoration industry. They are very reputable. If
you want to learn how to improve your credit score and erase bad
credit, then DSI credit repair can help. They get great credit
restoration results
with all three of the major credit bureaus and they are able to get bankruptcies removed.
When it comes to low prices and
excellent results, these guys are hard to beat.
DSI Credit Repair is located in Aurora, IL
DSI Website |
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Lexington Law Firm |
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Lexington Law Firm is is a general service consumer advocacy law firm. This is the
place to get a good credit repair attorney. They have helped over
300,000 Americans erase bad credit by removing inaccurate, misleading,
and unverifiable information.
Lexington law has the largest network of credit repair attorneys
with 22 attorneys in 16 states. They also claim to have over 400
paralegals and agents to ensure a high quality of customer service.
Lexington Law is based in Salt Lake City, UT.
Lexington Law Website |
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Sky Blue |
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Sky Blue Credit Repair is a reputable
online credit
repair company that has been doing business for over 20 years.
As of the report, they have a clean record with the Better Business Bureau.
They have excellent customer service and low
monthly rates. If you want to find how to improve your credit
score, Sky Blue can help.
Sky Blue credit repair is located in Delray Beach, FL.
Sky Blue Credit Repair Website |
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Veracity Credit Consultants |
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Veracity is one of the fastest-growing credit repair services in
America. Veracity's credit consultation services are geared
towards consumers (USA) who are in the process of financing a
new home, refinancing their mortgage or trying to buy a new car.
They are known for getting fast results.
Veracity is located
in Denver, CO
Veracity Website |
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Academy Credit |
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Academy provides one on one
personal customer service for credit repair by assigning a personal credit mentor to
each of their clients.
Academy will fight to eliminate
negative, misleading or inaccurate items from your credit report
and help you establish a positive credit history.
Academy has a
95 % success rate in
improving people’s credit ratings.
Academy is located in
Farmington, UT
Academy Website |
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Ovation Credit Services |
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Ovation Law's unique selling position is that
they optimize credit profiles by making the credit repair
process convenient, personal, and effective.
Ovation's specialized credit repair processes,
legal expertise, and guaranteed customer service make them one of the best in the industry.
Ovation Law is located in Jacksonville, Florida.
Ovation Website
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Credit Assistance Network |
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Credit Assistance Network is a family owned
business who is licensed to do business in all 50 states.
They are 100% compliant with regulations under
the Credit Repair Organizations Act (CROA) and the Florida
Credit Service Organizations Act (FCSOA). Credit Assistance
Network has been an accredited business and member of the Better
Business Bureau for over four years and has maintained an
excellent rating throughout.
Credit Assistance Network credit repair is
located in Palm Beach County Florida.
Credit Assistance Network
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| Legal Credit
Repair Methods |
Before we talk about
legal credit report repair, let's take a look at different types of illegal
credit repair:
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Illegal:
You can't change your social security
number to obtain new credit.
If any company should suggest this type of credit repair, report them to the
authorities.
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Illegal:
You can't dispute every item on your
credit report, regardless of nature.
The Fair Credit Reporting Act specifically states that only items that are
unverifiable, inaccurate or misleading should be disputed. Any negative items that
really are
yours, and are a true reflection of your credit history should not be disputed.
- Illegal:
You can't be charged for services that have
not yet been completed.
This is to protect the consumer from fraudulent companies that charge "Up Front"
fees for
services that never get completed (for instance if you paid them money before
they performed any service then you never heard from them again.)
So, What
the Heck
is Legal Credit Repair?
Legal
Credit Repair involves removing negative items on a credit report. These are
items that
are inaccurate or unverified. There are a many different ways of doing this. Here are some of the most common and effective ways:
Goodwill Negotiation
This
approach deals with negotiating
directly with creditors. They are sent a written letter asking them to "please" remove negative items from
your bad credit reports. This an effective method of credit repair for mild late-pay
accounts. There are no laws that require that negative items stay on your
reports for any specific period of time. Creditors have the choice of simply removing
these items from your credit report.
Credit Disputation
The Fair Credit
Reporting Act gives you the right to contact credit bureaus by directly. You can
do this by
writing credit repair letters and dispute
items on your credit reports. Just as in a court of law, you have the right to
plead "not guilty" to negative information on your credit reports. You leave the
burden of proof to the credit bureaus. You can dispute any and all items on your
credit reports that you feel classify as inaccurate, unverifiable, or
misleading. If the bureaus can not verify that the information on your reports
is indeed correct, then those items must be deleted.
Despite all the controversy surrounding the
credit repair report industry, credit repair is perfectly legal. That point is solidified by the
creation of the
CROA.
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How to Deal With an Interview When You Have a Low Credit Score
Because today's jobless rate is almost 10%,
of borrowers are not paying their obligations on time. This is typically
what happens: You don't have revenue coming in so you depend more on borrowing from credit cards. When
you get behind on making payments, bill collectors increase the interest rate and decrease the amount
you can borrow. Consequently that causes your credit rating to decline. The end effect is that it is very difficult to get a job.
The reason credit checks are done is that businesses want to identify any security risks before they make a hiring decision. For example, the reasoning is that an individual who is financially unstable may be at a higher risk of stealing money from the company.
Companies evaluate FICO scores using this scale: lower than 700 = warning, underneath 650 = concern, and lower than than 600 is a red flag warning.
Several businesses try to ignore credit ratings but some places like banks and other financial institutions are not so open-minded. If you are trying to get a city, state, or federal job, you can expect to have a credit and background check done.
What can you do when you have a low credit score?
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Learn what your rights are.
Businesses are legally bound to get your consent to do a credit or background investigation. And they have to tell you if you were not given the job because of your bad credit score. They also have to tell you which credit reporting agency they contacted to check your credit.
The Government introduced H.R. 3149 in July of 2009 which is a bill meant to stop companies from doing credit investigations on possible employees. You can find updates on this bill at
www.govtrack.us.
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Before you send in a resume for a job get a copy of your credit report. Make
sure you check your credit report for inaccurate or erroneous information.
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Be
sincere and truthful with possible employers. When the subject comes up, advise
the interviewer what you have done to improve your credit score. That proves
that you are responsible and a "get it done" kind of person.
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Do
what it takes to fix your credit report as quickly as possible. Question any
erroneous or derogatory remarks with the appropriate credit reporting agency.
There are legal
Credit Repair Report businesses that can do
credit repair for you.
Here are some things you can do to improve your credit rating:
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Get your payments current.
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If you are already behind on obligations, call your banker and negotiate some kind of repayment plan.
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Don't stop paying your bills -- make the ones in collection your priority.
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If you make your payments on time for two months in a row, you can increase your credit score by 20 or 30 points.
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Use a
reputable credit repair company. You can usually see negative and derogative
remarks start coming off of your credit report and an improved credit score
within 45 days.
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