Credit Analyst and Founder Corey Gray has over a decade of experience improving credit reports and personally assists clients in reaching their goals regardless of their credit situation.

They don’t have multiple levels of service, aggressive salespeople, fine print or false promises because they believe in honesty and integrity.

Features:

Family owned business

Individualized attention

Hand typed personalized letters to the credit bureaus, not form letters like the big credit mills.

Refund policy: Nothing mentioned on their website about a refund policy.

Pros: Family owned business with individualized attention. They don’t send form letters to the credit bureaus which is probably why they get excellent results with Experian. No complaints from the BBB.

Cons: The setup fee is high and the $95.00 per month charge is a little high compared to other credit repair companies but if they didn’t have a setup fee then they would be in line with everyone else.

Cost: They’ve got a One-time setup fee of $145.00 and  a $95.00 monthly fee.

Technorati Tags: Credit Assistance Network

With over 30,000 satisfied clients, proven results, and 7+ years of experience, DSI Credit Repair is one of the most powerful and affordable solutions online to date.

Features:

• Great Price.
• Excellent results with all three major credit bureaus.
• Great results at getting bankruptcies removed.
• Great Guarantee.
• Very reputable company.

Refund policy: Try the DSI Credit Repair restoration service. After your program is complete determine if  there isn’t a definite improvement in your credit score.  If not,  they will give you $50 for wasting your time—on top of your money back.

Pros: Best credit repair company for the money. Great credit repair results with all three credit bureaus. They get bankruptcies removed.

Cons: Short dispute cycle but excellent results.

Cost: A one-time setup fee of only $19 and 3 payments of $89.

Or you can pay all three of your payments from the start, and they’ll waive your setup fee.

DSI Credit Repair Website

Technorati Tags: a credit report, a good credit score, bad credit reports, bad credit score, credit improvement, credit problems, credit rating, dsi credit

Sky Blue Credit Repair has our vote for the best credit repair program available. It is our opinion that they have taken the business to a whole new level. This is far more than just a dispute factory. Sky Blue focuses on making sure you are left with truly usable credit – credit that meets prospective lender guidelines so you can really benefit in a tangible way.

We especially appreciate the Sky Blue Credit Repair focus on personalized customer service. The one-on-one attention is part of a comprehensive approach that makes them so attractive. They include unlimited credit bureau disputes, debt validations, credit score consultation, guidance with building new credit, and even assist with rehabilitation of student loans if needed.

We also really like the fact that Sky Blue Credit Repair only charges a single low monthly fee without requiring any upgrades. One price covers everything needed to clean up and restore your credit. They also offer a great 50% discount for spouses if you sign up together.

Sky Blue Highlights:

Credit repair services offered since 1989.
A focus on the highest ethical standards.
One-on-one customer service.
A unique approach designed to build truly usable credit.
$49 setup fee followed by $49 per month – half price for spouse.
All inclusive – No confusing program options or costly upgrades needed.

Features:
Unlimited Credit Bureau Disputes.
All Inclusive. No Upgrades Needed!
Great refund policy.
Unlimited Debt Validations.
Cancel Anytime. No Pre-Set Obligation!

Refund Policy: If you are not satisfied with them, they will refund your money in full. No questions asked.
Pros: Excellent customer service, risk free, and great refund policy.

Cons: None.

Cost: $49.00 setup and $49.00 monthly starting after the first month of service.

Technorati Tags: blue sky credit repair, credit card credit rating, credit disputes, credit report from, credit rescore, credit score tip, credit score tips, increase your credit, rescore credit, Sky Blue Credit, sky blue credit repair, sky blue credit services, skybluecredit

Ovation was co-founded by and is currently managed by Terry D. Cordell. Mr. Cordell was awarded a Juris Doctor, cum laude, from the University of Miami School of Law, Coral Gables, Florida, and is a member in good standing of the Florida Bar. He received a Bachelor of Business Administration Degree from the University of North Florida, and a Masters in Business Administration in Finance, Decision Sciences and Corporate Strategy from the Kellogg Graduate School of Management at Northwestern University, Evanston, Illinois.

Mr. Cordell’s legal experience is focused in bankruptcy, complex commercial litigation and consumer credit rights. Mr. Cordell has litigated complex bankruptcy issues involving ponzi schemes, fraud, breaches of fiduciary duty, and the Florida Deceptive and Unfair Trade Practices Act, and has managed and/or administered numerous receiverships and bankruptcy estates.

Mr. Speranzella, also cofounder of Ovation received his Juris Doctor from the University of Baltimore School of Law and was admitted to practice in the State of Maryland in 1981. Mr. Speranzella brings over 23 years experience specializing in corporate law, corporate governance, international corporate transactions, and in directing complex commercial litigation.

Prior to co-founding Ovation Credit Services, Mr. Speranzella has held senior management and legal positions with major, public, multinational corporations, including Lockheed Martin Corporation, the Lagardere Group, and Breed Technologies, Inc. Additionally, Mr. Speranzella spent seven years as the Supervisor of Data Processing for the credit card operations of Citicorp Financial, Inc.

Ovations’ 100% Service Quality Guarantee is effective from day one.

Programs were designed by attorneys with a complete understanding of consumer legal rights under applicable Federal Statutes.

Ovation Law is an Accredited Business and maintain a pristine record with the Better Business Bureau.

Ovation Law stays current on consumer law as it pertains to credit repair and credit bureaus to make sure that our clients receive the best possible results.

Ovation guarantees your privacy and confidentiality (especially in regards to your social security number, credit card information and credit reports) are protected by state-of-the-art encryption technology.

They are comparable to Lexington yet their prices are less. Ovation has good phone support.

Cost: They have two different credit repair programs to choose from:

The Essentials program costs $87.00 for the initial payment then $37.00 each month for services completed for the previous month.

The Essentials Plus program. Initial cost is $87.00 then $57.00 per month for services completed for the previous month.

Ovation Law Firm also has a couple’s discount. Both persons receive a 20% monthly discount when they sign up together.  They also have a competitive upgrade discount. If you have been with another credit repair company in the last six months, they will give you a $50.00 discount when you join Ovation. And they have a “Tell a friend” discount.

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You will have a real attorney working on your case.

This company provides its customers with more than credit report repair. Need to establish new credit? Best Legal Credit Repair will help you with that too. Using their extensive relationship with credit card companies, they are able to setup new credit lines for you and have the new accounts reported positively on your credit report.

Clients also have 24/7 access to their accounts online so they can check the progress of their account.

At $69.00 per month starting at the end of the first month and with a $99 first work fee., they are one of the more affordable credit repair companies.

Best Legal Credit Repair accepts clients for credit repair from all 50 States.

Technorati Tags: Best Legal Credit Repair, credit report repair

THE FAIR CREDIT REPORTING ACT (FCRA)
THE FAIR CREDIT BILLING ACT (FCBA)
THE FAIR AND ACCURATE CREDIT TRANSACTIONS ACT (FACTA)
HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT (HIPPA)
DISCLAIMER [Legal Stuff]

Features:

Excellent guarantee.

Refund policy

One on one personal service

They offer a self help credit repair eCourse

Refund policy: No-Risk Refund Policy – 100% Service Satisfaction Guarantee

Pros: Excellent guarantee. Personalized service.

Cons: They are relatively new.

Cost: $69.97 set up and only $69.97 a month cancel anytime. 50% off on spouse discounts.

Attractive Credit Website

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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

Features:
Low monthly charges
Your own person mentor
Great refund policy
Gets results
Cancel anytime

Refund Policy

If all of following are true, Academy will refund your monthly fees.

1) Our Firm cannot demonstrate any progress with your case.

2) You have forwarded to Academy on a timely basis, all of the necessary documents which enables Academy to perform work on your case.

3) You have been on our service for a minimum of 12 months.

4) You send in a new copy of your credit report for analysis after 12 months of service.

Pros: Great company that works hard for its clients. Gets results. Has a good refund policy. You can cancel anytime.

Cons: They are comparable to Lexington where neither gets many results with Experian.

Cost: Three different pricing structures.

• Silver ($199 setup, $29.95 monthly)
• Gold ($129 setup, $49.95 monthly)
• Platinum ($129 setup, $69.95 monthly)

With Academy Credit, you can upgrade, downgrade or cancel your service at any time. There are no hidden fees and no long term contracts.

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Veracity will personalize an action plan according to your needs such as purchasing a new home or car, or if you need to get a credit card.

Refund policy: Veracity agrees only to perform the services specifically described in the Client Services Agreement. To the extent that Veracity does not perform the promised services, Client shall be entitled to a full refund of the Other Services Fee paid for the Term in which the failure occurred.

Additionally, as a client, you have the right to cancel your membership with us at any time.

Features:

They get results fast

Personalized service

Best report analysis

Ongoing updates

Low monthly charges

Pros: Fast results and personalized service.

Cons: Refund policy is weak but their service is so excellent that they rarely get asked for a refund.

Cost: Credit Advisor: $29 Signup / $19 Monthly
Select: $69 Signup / $49 Monthly
Platinum: $99 Signup / $79 Monthly

You get a Free credit report when you signup with Veracity.

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Lexington law has the largest network of credit repair / correction 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.

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Our opinion of what this rating means:

The Better Business Bureau claims that “Complaints contain a pattern of serious allegations that the company does not provide the credit repair services paid for.”

Also, complaints include serious problems when trying to get a refund.

Four out of six complaints go completely unanswered.

See it here: BBB -eCreditAttorney

The use of eCreditAttorney is currently not recommended.

Technorati Tags: eCreditAttorney