Credit Saint provides credit repair and guidance to clients in Los Angeles. It evaluates a consumer’s credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These items may involve credit repair services collections, judgments, charge-offs, and foreclosures. It counsels clients on the impact of credit scores on their financial activities and assists them in optimizing a positive report when paying bills or opening credit. Credit Saint, in operation for over a decade, also offers a credit monitoring system during its intervention. The actual costs vary from a one-time fee to a per-item fee for every negative mark the company removes from your credit report.
US Debt Relief has been featured in The New York Times and Wall Street Journal. Alternatively, you can also do most of what credit repair companies do independently. If you notice inaccuracies or incomplete information on your credit report, it’s possible to contact the three major credit bureaus or your creditors directly to resolve the issue.
Some previous customers report that Credit Saint offered $15 off its first working fee in the past, although there’s no information about this discount on the company’s site. But Credit Saint gives any family member added to your plan a free first working fee for one month. However, their services can be expensive, especially if it takes several months to accomplish your objectives. What’s more, you can do anything that a credit repair organization can do free of charge.
The company has an A+ BBB rating, though its customer reviews are mixed. Those seeking additional money management features beyond credit repair might find what they’re looking for with The Credit Pros. That said, The Credit Pros isn’t the cheapest option around, so it may not be the best choice if you’re on a tight budget and prioritizing affordability. Sky Blue Credit is our top pick for those looking to repair their credit.
Reviews on BBB seem authentic, with some past customers praising the company’s customer service team and positive results. That said, a few reviewers mentioned that they didn’t see their credit improve after working with Sky Blue. If you decide to move forward, expect a monthly fee of $50 to $150. However, fees vary by credit repair company and the level of service provided.
In most cases, it only makes sense to retain a credit repair company if you have a significant number of negative entries on your credit report. If a few accounts are doing the damage, a DIY approach might serve you better. We work with the credit bureaus and your creditors to challenge the negative report items that affect your credit score. 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.
Life Wisdom partners with SmartCredit, a credit monitoring company that offers interactive credit reports accessible through a mobile app. Long Beach Credit Repair serves clients in Los Angeles and the surrounding areas. The company helps improve credit scores by removing inaccurate information, including bankruptcy, late payments, collections, and judgments. Clients also receive assistance on matters such as student loans, identity theft, and debt settlement. The credit restoration company’s team of credit experts also educates clients on managing and maintaining their scores.
Why Do You Need Credit Repair?
Its services also include unlimited disputes, credit score tracking, monthly credit scores and reports, and higher-level interventions and disputes for premium account holders. Crew 800 Funding Solutions helps both business owners and individuals in Las Vegas obtain financial freedom through repairing and monitoring their credit reports. The firm offers a variety of services, such as contacting creditors on the customers’ behalf, one on one coaching, private assessment, and sending documentation to bureaus.
How Much Do Credit Repair Companies Cost?
To find the best credit repair company, check the company’s name on the CFPB’s Consumer Complaint Database and see if there are any cases opened against it by the FTC. It’s equally important to know that credit repair companies are legally prohibited from collecting payment for services upfront. Our customizable and comprehensive solutions allow you to repair your credit easily and effectively. For this list, we selected credit repair companies with over a decade of experience in the industry, ensuring a solid track record of successful disputes and removals for their clients. But others may require all three to get to their ideal credit score.
The Credit People: Money-back Guarantee
The best part is you don’t need to be a Capital One cardholder to use CreditWise. Plus, the built-in CreditWise Simulator can help you see the possible effects of several financial choices, like paying off a credit card or taking out a personal loan. When it comes to maintaining or improving your credit scores, your payment history is an important credit-scoring factor. So catching up on missed and late payments can be an important step. Setting up calendar reminders or automatic payments is one way to make sure you don’t miss payment dates.
Upon getting started with us, we design a full-proof strategy for the success of your credit repair campaign. Not all lenders use Experian® credit files, and not all lenders use scores impacted by Experian Boost®. The credit card offers that appear on this site are from companies from which FinanceBuzz receives compensation such as banks or CardRatings.com. Credit card interest rates are usually higher, car insurance premiums can be more expensive, and even utility bills can be pricier if you have not-so-great credit. Paying a professional to help clean up your credit could be the difference between costing or saving tons of cash. It’s important to know what red flags to look for when dealing with credit repair companies.
I’ve compared companies based on their offerings, pricing, and reputation to help you get started. Some, like Credit Saint, offer several packages to choose from, while others, like Credit Glory, only have one package. It’s no secret, credit repair as it relates to home buying is our jam; but that doesn’t mean we can’t help the everyday consumer improve their credit score, too. Even if you may not currently be in any other category listed above, your credit is no less important.
While Credit Saint isn’t the lowest-price service around, its industry reputation, array of features, and 90-day money-back guarantee make it worth considering. The process can cost you money or require additional commitments, depending on your chosen approach. Factor in your free time, disposable income and other financial goals when weighing your options. The credit repair industry is full of scams, so be sure to vet a company’s track record before signing up for any services or sharing sensitive information.
With a straightforward process and continuous credit bureau updates, you maintain control, making credit improvement both effective and manageable for a brighter financial future. Credit counseling is a free service for anyone struggling with debt who wants to know more about their options. Some good options include the National Foundation for Credit Counseling and the Financial Counseling Association of America. You can also check the Justice Department website, where you can find a list of approved credit counseling services in every state. If a credit repair company sounds right for your situation, here’s what to compare as you research companies.