We hire only the best, brightest and award-winning credit analysts that have the same morals and integrity that our company believes in. A unique feature they offer is couples pricing which is basically a discount if you both sign up versus one person.

Carefully review services offered and packages — if applicable — to find the best fit. The Experian Smart Money™ Debit Card is issued by Community Federal Savings Bank (CFSB), pursuant to a license from Mastercard International. Use Experian Boost® to get credit for the bills you already pay like utilities, mobile phone, video streaming services and now rent. Lexington Law has a deep and detailed information section on its website.

Repair companies help clients remove negative items from credit reports. The goal of credit services is to increase your credit score so you can qualify for better interest rates on loans, credit cards, and other forms of credit. The credit repair process usually involves a combination of tools, including credit counseling, debt settlement, credit monitoring and account dispute resolution.

We trust them to provide the highest level of service complimentary to the service The Phenix Group provides to our consumers. Phenix Group is hands down the best credit repair company for anyone looking to improve their credit to buy a home, car, etc. As a lending professional, I can attest that they are head and shoulders above other credit restoration outfits.

For example, CreditRepair.com does not share their pricing or details on the services included in each package. But with Credit Saint, you know upfront what you’ll get with each package, and they offer a 90-day money-back guarantee. Understanding what accounts to pay largely depends on the credit goal in mind. We recommend requesting a free credit analysis to determine the best course of action to improve your score. Our credit repair specialists will create recommended credit repair actions that can help you get your score back on track with your personal financial goals.

Safeport Law

You can also get a free credit consultation and advice from credit services on how to better manage your money and maintain a good credit score. Avenues to Move Forward is a Chicago-based firm that serves people in Hammond and the surrounding areas. It offers credit repair services as well as examines and disputes unfavorable items on clients’ credit reports.

Some consumers with complaints were validated when Lexington Law and Creditrepair.com entered into $2.7 billion settlement agreement with CFPB in 2023. The CFPB accused the two companies of taking illegal advance fees from their clients through telemarketing, which violates federal law. Credit Saint is a long-standing credit repair service that has been helping customers with their credit since 2007. No credit repair service can guarantee a score increase as the outcome varies depending on your credit situation.

Best For Additional Features: The Credit Pros

We offer the most efficient credit repair services and experienced credit repair experts to handle your credit report. Not only do we have a most successful track record of helping residents of New Jersey fix their credit, but we also average the highest gains in credit scores achieved per customer. You can also find the names of anyone who has obtained a copy of your credit report. Credit bureaus do not gather data about race, religion, medical history, sexual orientation, political affiliation, criminal record or any other information that is unrelated to credit.

We help you achieve your goals by customizing a plan to fit your needs. Banks today worry about mitigating their risk when it comes to lending. Schedule a Free Consultation today to to create a professional strategy to repair inaccuracies, build positive credit, and give you the confidence you need to take control of your credit. We take our job very seriously and understand that you trust us to bring you results. [newline]We will continue to work on your credit and implement results-oriented strategy as long as it takes to get your score where you want it to be.

Credit repair companies can contact the three main credit bureaus on your behalf to remove inaccurate or outdated negative information from your credit reports. They can also work with banks, debt collectors and other financial institutions. If you’re working to rebuild your credit, you may find legitimate companies that exist to help. They can offer credit counseling or help you dispute errors on your credit reports. It can also involve smaller actions like identifying inaccurate information or other negative items on your credit reports, like late payments and charge-offs. If derogatory marks on your credit report are accurate, they generally won’t fall off for about 7-10 years.