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The Worst Credit Repair Companies on the Market
Credit restoration can cost roughly $100 per month and take many months, with no assurance of an improved credit score in the end. It’s important to note that credit repair cannot accomplish anything you can’t do on your own, and it cannot remove bad marks from your credit reports if they are accurate, timely, and verifiable.
Sky Blue Credit, American Credit Repair Centers, The Credit People, and The Credit Pros have all been investigated. Unfortunately, many businesses are not only unethical, but also unprofessional. They sell you free knowledge but do not stand by it.
Sky Blue Credit
If you are looking for a credit repair company to clean up your credit, Sky Blue is an excellent choice. It’s a small company that prides itself on line-by-line scrutiny. It will dispute up to 15 items monthly, more than many other credit repair companies. However, Sky Blue’s aggressive tactics can result in less successful results.
Sky Blue Credit Repair has a guarantee of 90 days. If you’re not satisfied, you can always ask for a refund. The company also calls you to let you know when it’s done. But that’s not the end of the story. There’s nothing worse than contacting a credit repair company only to find out they haven’t helped.
The first step in Sky Blue’s credit repair process is to review your credit reports for mistakes. Next, an experienced agent will identify any derogatory items. This will help them craft an action plan for you. These recommendations will help you improve your credit score. These actions may include opening a new credit card account or using your current accounts more frequently. In addition, Sky Blue Credit will challenge any negative items with the three credit bureaus, giving you real-time feedback.
Another service offered by Sky Blue Credit Repair is a refund policy. It can’t guarantee your credit report will be clean after using their services, but you can get your money back if unsatisfied. The company’s team will review your credit report for any errors and remove them, but you can’t guarantee they won’t return.
Sky Blue Credit Repair is a small but well-established company that offers a guarantee. Although it isn’t BBB accredited, it has an A+ rating. If you’re considering hiring a credit repair service, read the details of your agreement with the company.
Sky Blue Credit offers a single credit repair package that costs $119 per month. It’s flexible and offers a couple’s discount. Their service also includes the services of a debt settlement consultant and a credit analysis. They’re also an excellent value for money. While Sky Blue has a limited guarantee, Lexington Law does offer a guarantee.
American Credit Repair Centers
American Credit Repair Centers are not the worst companies to use when trying to fix your credit. They offer excellent customer service and are available to answer your questions even when they’re outside of regular business hours. In addition, they offer a personalized dashboard to track your progress. As a result, the company has helped hundreds of thousands of clients improve their credit scores. According to their website, they’ve removed 56 million negative items from their client’s credit reports. The average client can expect a few dozen points in their credit score due to the process.
Poor credit history can be highly damaging. It can even hinder your job search because many companies will run a credit check on applicants. Also, it’s essential to have a high score because it is used as a reliable financial indicator. Having a high score makes you more attractive to employers and other potential employers.
A money-back guarantee is a valuable feature to look for when choosing a credit repair company. It ensures you won’t lose your money if you’re unhappy with the results. Most credit repair companies will offer a three-to-six month money-back guarantee.
Before hiring a credit repair company, always check the Better Business Bureau and Consumer Financial Protection Bureau to see what reputation the company has earned. The Better Business Bureau has accredited some credit repair companies, but not all of them. A BBB rating will tell you how the BBB views the company and whether they’ve had complaints filed against them.
Credit Saint has an A+ rating with the Better Business Bureau and has helped thousands of customers improve their credit scores. This company provides free credit consultations and sends challenges to all three credit bureaus to eliminate negative items from your credit. Credit Saint is the best choice if you’re looking for a credit repair company to help improve your credit score. They’ve been around since 2004 and have a proven track record.
You can choose from many credit repair companies to improve your credit score. However, it’s important to remember that fraud is expected in the credit repair industry, so do your research before signing up with any credit repair company. Look for complaints in the Consumer Financial Protection Bureau’s database and interview the companies to determine whether they’re reputable.
The Credit People
Consumers have expressed concerns over The Credit People, a company that provides credit repair services. Unfortunately, their website doesn’t clearly show what each service involves or how much they cost. However, you can look at their Better Business Bureau ratings to learn more about their reputation. The company has a 2.23-star rating and has served the credit repair industry for over 20 years. While there are some negative reviews, most of them are from customers who didn’t see any results, and most customers have given positive feedback.
The Credit People’s website is designed to be easy to navigate. All you need to do to sign up is enter your email address and a few other pieces of information. The Credit People’s resource center also includes articles, videos, and infographics. The content is well-written and informative, but there’s a humorous tone throughout. Despite this, you’ll probably find yourself clicking on a page and never getting any results.
The Credit People offer a wide range of services, including a free credit report and credit score summary. They also offer a six-month satisfaction guarantee and a flat rate membership option. They also offer 24-hour access to your account, toll-free customer service, and credit score discounts.
The Credit People also offer a free trial to evaluate whether the service is worth it. Their monthly fee is only $79. You will also receive a welcome call from a friendly representative. If you’re unhappy with your results, The Credit People will refund your money and offer you a 60-day money-back guarantee. In addition, they offer an online account so you can access your account at any time.
The Credit People’s credit report cleaning service includes a free report. They do this by negotiating deletions with the credit bureaus. Without this information, they can’t clean up your credit report. And unlike many credit repair companies, they also go above and beyond credit reports. They help with all types of credit, including bankruptcy and repossession.
The Credit Pros
While the Better Business Bureau hasn’t filed any legal or regulatory actions against The Credit Pros, there are several complaints filed against them. These complaints generally relate to billing issues or failure to improve customers’ credit scores. Fortunately, most of these complaints have been resolved. In addition, the Better Business Bureau’s profile lists over 250 customer reviews with an average rating of 4.7.
Although The Credit Pros are a popular service with many satisfied customers, there are severe complaints against this company. The company is highly disorganized, leading to billing errors and miscommunication. If you’re considering using The Credit Pros, read their reviews to ensure they’re worth the investment.
The Credit Pros’ primary focus is credit repair programs. They help customers improve their scores by disputing inaccurate negative items on credit reports. However, they cannot remove accurate negative items from a credit report. If you have a complex credit issue, it may take months or years to fix it. However, The Credit Pros can make a difference if you’re patient.
The Credit Pros have several different plans. The most basic package is the Credit Sentry Monitoring Plan, which includes a full credit report and identity theft protection. The other two plans include credit monitoring and specialized credit repair systems. Finally, the Premium package includes all these services and a medical reimbursement program.
In addition to the services provided, the credit repair industry has a bad reputation for misusing customer information. Some companies will try to scam you and take your money without repairing your credit. Red flags include promises that negative items will disappear from your credit report. Others may convince you not to contact credit report companies and won’t explain your rights. You can also check out a company’s file with the Better Business Bureau.
While The Credit Pros aren’t the best credit repair company, they have more benefits than bad. The credit company’s president is a Certified FICO Professional, and its team includes other certified professionals. They also offer free consultations and an ebook on credit restoration. In addition, The Credit Pros remove negative credit items from your credit report.