If you want something more, you may consider the two premium plans, of which the largest difference is the number of disputes you get. The Clean Slate plan includes an unlimited number of disputes, whereas the Credit Remodel plan doesn’t, but they aren’t transparent in the number of disputes included. Credit Saint offers simple packages and straightforward results. They have an A- rating with the Better Business Bureau, which I take into high consideration, especially when dealing with something as important as credit repair. Even older debts can lower your score, especially if they’re recent collections or charge-offs. If you’re maxed out, start by paying down cards with the highest balances or highest interest rates.

How To Request Debt Validation

It just means that you can fix your credit on your own if you’re willing to do the required research and complete all the work yourself. With years of knowledge and experience in the field of credit repair, we can help you to resolve questionable items related to collections, late payments, inquiries, foreclosures, judgments, charge offs, and inquiries. Our customizable and comprehensive solutions allow you to repair your credit easily and effectively. Unfortunately, there are no quick fixes to a spotty credit history.

The credit repair process usually involves a combination of tools, including credit counseling, debt settlement, credit monitoring and account dispute resolution. Sometimes, repairing credit can also involve personal bankruptcy. If you feel overwhelmed by the credit repair process, The Phenix Group can help–reach out today to schedule a credit repair consultation, and we’ll do the heavy lifting for you to help get your credit back in good shape. The more information you have, the better equipped you are to improve your credit history.

We are a company composed of a skilled team of professionals with backgrounds in the Mortgage Industry, Debt Negotiation, and Automotive Finance. CreditRepair.com has been in operation since 2012, and in 2022 they had over 56,000 sign ups on all products. Credit Saint was originally founded in 2004, and the company boasts a rating of A with the Better Business Bureau (BBB) and excellent rankings from third parties, including Consumers Advocate and Consumer Affairs. Our expert reviewers review our articles and recommend changes to ensure we are upholding our high standards for accuracy and professionalism. With experience as both a journalist and a marketing professional, his most recent focus has been in the area of consumer finance and credit scoring. The use of this website means that you accept the confidentiality regulations and the conditions of service.

Impeccable Credit Services specializes in restoring your credit options. Our restoration program focuses on disputing the negative, inaccurate accounts from your report, along with establishing the positive trade lines to rebuild your credit score. Sometimes we are forced into a loan with significantly higher interest rates.

You may wind up losing time and money, and it may even have legal consequences. Improving your credit takes time, but it’s doable — and absolutely worth it. Start by reviewing your reports, correcting any errors and building healthy financial habits like on-time payments and low balances.

Additional Financial Wellness Resources

If a friend or family member has a credit card with a long history and low balance, ask if they’ll add you as an authorized user. Their payment history and credit limit get added to your credit report, which can help boost your score—especially if your own credit file is thin. Your payment history is an important factor affecting both FICO® Score and VantageScore® credit scores, so setting up a system that helps you avoid missing payments is a key piece of the credit repair puzzle. You’re entitled to a free copy of your credit report from each bureau at AnnualCreditReport.com. If you discover any inaccuracies, you have the right to file a dispute with the relevant credit bureau to get the record corrected.

Removing collections from your credit report is also impossible if the information is correct. The Credit People was originally founded in 2001, so they have had more than 20 years to fine-tune their credit repair service s. With plenty of experience under their belts, this company promises meaningful results with your credit within the first 60 days.

This company offers assistance from attorneys that concentrate on credit repair. You can get started with a free online credit report assessment. Credit counselors are typically much more affordable over the long haul than for-profit companies that promote credit repair—and some even offer services for free or on a sliding scale for clients with tight budgets. You can search for a credit counselor through the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA) to find certified agencies by state.

No matter how you paid a scammer, the sooner you act, the better. Too many inquiries in a short time can drop your score and signal risk to lenders. It might seem faster, but online disputes often limit your rights. Always mail your disputes with certified mail so you have a record and full legal protection. Make a list of the accounts and specific details you plan to dispute.