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Best Credit Repair Companies 2023 – Honest Credit Repair Reviews and Actual
Results | Our Top 7 Choices
Best credit repair reviews – Are you interested in hiring a credit repair
company to raise your credit score? Choosing the right credit repair company can
mean the difference between thousands of dollars and hours of wasted time. There
are endless amounts of credit repair companies out there, and they all claim to
offer the same thing: a higher credit score at a low cost. But which of these
credit repair companies truly do offer what they say they do? We have the
answers. After conducting extensive research on all of the top credit repair
companies out there, we have compiled a list of which ones are the best. Instead
of doing a top ten list, we decided that we could only affirm, vouch for and
endorse seven of the best credit repair services . Each service that we feature,
we have actually used first-hand by our founder , someone in our company or by
someone we know and the results have been documented. Disclaimer: If you sign up
with one of these services through our site we may earn a commission (but not on
all). It is more important that we are ethical, upfront, and transparent in our
findings and that you can trust our reviews to help you make the right decision
about which credit repair company to choose.
#1 Sky Blue Credit
#1 – Sky Blue Credit – Sky Blue Credit is a reputable trusted company that has
been repairing credit for many years. It is, from our hands-on trials and
findings, the #1 overall best credit repair company. We have also chosen them as
#1 for fast credit repair.
No-Nonsense | No-Pressure Courteous Team
They are comprised of a team of credit specialists that are extremely courteous
and professional. If you’re looking for a credit repair company that has
repeatedly shown successful results for years and years, then Sky Blue is a
great option!
How Do We Know That They Work?
Because we’ve used them and we have proof of the results.
That is why they are our #1 choice for credit repair. See actual deletions that
they have acquired for us
Also, see our in-depth review of Sky Blue Credit.
A+ BBB Rating and a 90 Day Money-back Guarantee
To add to your confidence level, it doesn’t hurt that Sky Blue has an A+ BBB
rating after 25-plus years of being in business!
And you want to use a company that backs up their service with a full 90-day (no
questions asked) 90-day money-back guarantee.
A Case Study
Our Founder of this site CreditRepairReviews.co, Charlie, used Sky Blue and had
over 30 deletions
See more of Charlie’s story here.
Another close colleague of ours used Sky Blue with great results. After 7
months, his Fico Score went from 601 to 733 with 17 deletions of negative items
(4 of which were charge-offs).
They have also helped other members of our team. See more of what Sky Blue has
done for us! Visit their website for more information.
Sky Blue is a very trusted name in the industry. You can move forward with them
to repair your credit with confidence!
Here’s Why Sky Blue is the Best Credit Repair Company
Sky Blue offers THE ONLY 90-day condition free refund policy in the industry –
You have 90 days from the date of enrollment to request a refund. It is that
simple and that clear.
Sky Blue has an A+ Rating with the BBB – An A+ rating after 31 years in the
industry. Need we say more?
Sky Blue is the ONLY all-inclusive service – Professional credit report
analysis, faster disputes, custom disputes, statute of limitation research,
score assistance, credit rebuilding, debt validation, goodwill letters, cease &
desist letters, and debt settlement/negotiation consultations. Everything is
included. No upgrades are ever needed.
The ONLY 35-day dispute cycle – Most credit repair companies have 45-day cycles
in-between disputes. With Sky Blue Credit your turnaround is much faster.
The ONLY flexible payment program – Need a little time to get some funds
together? You can temporarily pause your service with a click of a button!
One of the largest credit repair education centers online – Over 500 + pages of
tutorials and tips.
Best support – They do not have pushy salespeople. NO ONE at Sky Blue makes a
commission. When they are done with your account, they will let you know. They
will never drag you along.
You can quit at any time – There are no long-term commitments. You can quit at
any time with no penalty.
Take action now!
Sign up at Sky Blue
#2 The Credit People
Phone: 407-349-8847
Our #2 Overall Pick | The Credit People
Affordable Experienced Professionals
With years of credit repair success under their belts, the Credit People are up
for the challenge to help you raise your score, and in turn, raise your status.
The Credit People  are true professionals and they are one of the least
expensive companies on our list. Get into their program for a low monthly fee,
and boost your score today.
You can even receive a free report and a free credit score through their
website!
How The Credit People Helped one of our Colleagues
We can attest that The Credit People’s unique program is one of the fastest,
best, and most affordable restoration services available online.
One of our colleagues tried the program (When their company name was DSI) with
amazing results.
They realized 18 deletions in total, including a bankruptcy ! See our full
testament of The Credit People on their company profile
Call 407-349-8847 today to get started!
Credit People Review
Credit People Website
Credit People Deletions
#3 The Credit Pros
Phone: 844-694-0646
Our #4 Overall Pick | The Credit Pros
Link
Customer support that is second to none
The one thing that you can be sure of is that The Credit Pros will treat you in
a courteous and professional manner. You will have full transparency on your
account and you will know exactly what has been done each step along the process
and your private information will always be 100% secure.
A true boutique company
You will also get the best customer support. Someone will always be there to
help you or to answer your questions. Trust us, this is not extremely common
with other companies. You will also get fully customized handwritten letters
They do not print out generic letter campaigns as most of their competitors do.
Advanced technology
The Credit Pros are also ahead of their time with advanced AI technology
(CreditRepair.ai™), and CreditSentry™ where your credit reports will be
monitored in real-time by Transunion.
Learn more about their advanced features here.
What The Credit Pros Accomplished for two of our Colleagues
We have a great testimonial from a colleague where The Credit Pros realized 15
deletions in five rounds of disputing. Her score went from 601 to 721.
Another colleague had 9 deletions in just two rounds with their “success
package” which cleaned up his reports across all three bureaus (Transunion,
Equifax, and Experian) and helped him to get approved for a mortgage. The Credit
Pros were able to get a tax lien and three collection accounts removed because
of inaccurate reporting.
The Credit Pros Review
The Credit Pros Website
The Credit Pros Deletions
# 4 Lexington Law
Our #4 Pick | Lexington Law
Established as a leader in credit repair in the United States, Lexington Law
provides professional services and proven results. What sets Lexington Law apart
from most other credit repair services is the fact that they are a law firm.
With 22 lawyers working in 16 different states, Lexington Law has helped over
500,000 clients fix their credit over the past 20 years.

Another Real Case Study
We signed up with the Lexington Law program for 9 months , and during that
period we saw 19 negative items removed from our credit reports (4 of them were
inquiries). See a more in-depth close-up picture of our case study (look in the
results section). We have recommended them to our peers as well as to consumers
that reached out to us and weren’t sure where to turn for help. Visit the
Lexington Law Website

Lexington Profile
Visit Website
See actual deletions
CreditRepair.com
Our #5 Pick | CreditRepair.com
Comprised of a team of credit repair experts, CreditRepair.com is a modern and
proven-to-work credit repair company. Their advanced credit repair techniques
and state-of-the-art technology will prove to provide one of the most successful
credit repair programs out there. Their interactive website will 24/7 client
access is sure to impress!


Why they helped us
In 4 rounds of disputes, (about 6 months ), they deleted 17 negative items for
us. We did not use the service that long and we still got really great results.
See more of what they have done for our close constituents as well as how they
have helped other clients.

Company Profile
Visit Website
See actual deletions
Ovation
Our #6 Pick | Ovation
Simple, fast, and effective: those are the three entities that Ovation promises
to every client. Offering professional credit report repair, two different
credit repair programs, and proven results, Ovation is definitely a top ten
credit repair company in the United States.


what they did for us
We used Ovation Law for 6 months with better than average results. They did not
produce as well as some of the other companies but we still saw 9 deletions
disappear within the 6 months with Ovation Law. They realized a bankruptcy
deletion for one of our friends’ uncle. The deletion wasn’t for us but we did
recommend them to Ovation when he ran into debt issues and had to,
unfortunately, file for bankruptcy. See our full review

Company Profile
Visit Website
See actual deletions
Criteria of How We Rank the Best Credit Repair Companies
Real Results
We use the services firsthand. We then compile the data to see who has helped us
obtain actual credit repair deletions from our reports. We cross-analyze to see
which companies deliver on what they advertise.
Experience
The amount of time a company has been in business is a huge determinant of how
reputable they are, so “experience” is one of our top ranking factors. We also
look to see if they are experts in their field.
BBB Rating
Since the Better Business Bureau is a respected rating system, we take each
company’s BBB rating into consideration. This is not the top metric in our
algorithm, but we do put some weight on it.
Turnaround Time
Getting the job done in a timely fashion is very important for consumers and it
is a big concern of ours. We dismiss companies that have a reputation to keep
clients in the program for lengthy periods of time.
Guarantees & Warranties

It is very important for consumers to be able to feel secure about their
investment or purchase, so guarantees are another factor in our reviews. We make
sure our recommended services are trusted.
Customer Reviews

There is no better source of valuable information about a company than from its
past or present customers. So we have compiled a large amount of REAL verified
reviews from REAL customers.

Reputation

A company’s reputation is very important, so we take everything that we hear or
read about a company into consideration. We also have reached out and spoken
with every one of these company owners.

Price

Above all other factors, we are aware that price can be a huge deal-breaker for
people who may be struggling. We have analyzed which companies offer the
absolute best services for the most affordable price.

Learn More
Credit Repair
Credit Repair is your right
Making sure that your credit information which is being reported about you by
third-party agencies is your right under the law. Although many people think
that credit repair is not possible or that using an online credit repair company
is illegal or may be a scam, the fact remains that hiring one of these online
credit repair companies is completely 100% legal, and is your right under the
Fair Credit Reporting Act (FCRA). Many consumers do not know but the FCRA
actually supports your ability to dispute negative erroneous items on your
credit report.
Credit repair is possible

Chances are that by now if you’ve been searching on the Internet, you have seen
many articles and discussions that state that credit repair is simply not
possible. Many of these articles state that only time and paying bills
responsibly is the only way to repair your credit score.
This is of course very sound advice and is of course also very true, but it is
not the only way to raise your credit score. You are allowed by law, to dispute
any and all items on your credit report. This is your right. It is the right of
every consumer, and this law was created for your protection.
Wouldn’t you want the fair chance to remove items that really arent yours?
Let’s think about this for a moment. If an erroneous item was appearing on your
credit report and it truly was not yours, wouldn’t you want the chance to have
that item removed? Of course, you would, and, it’s only fair. And thanks to the
laws that are in place to protect you as a consumer, you have the full right to
do this and act upon this on your own. All you would have to do is dispute the
negative item with the credit bureau. You would write a letter that simply
states that this particular negative item is not mine.
The credit bureau then must take action and research your dispute. If they
cannot find any evidence of this negative item truly being yours, then by law,
they must delete the item from your credit report.
The credit bureaus do not know whether or not your dispute is frivolous. They
have to determine that by doing their research. Now I am by no means suggesting
that you send in frivolous dispute letters. You do not need to make up crazy
stories or lie. You simply need to have the credit bureaus prove that every
single negative item appearing on your credit report is actually yours.
You have the right to double-check any information at all, that you feel is
inaccurate, which is showing up on your credit reports. Remember that the three
major credit bureaus are independent companies that are buying and reselling
information about you to creditors, lenders, and banks. You did not ask for this
credit information to be compiled about you but it is and the laws are in your
favor to ensure the accuracy of this information.
Believe it or not, it is up to you and you alone to make sure that the
information provided about you is accurate. If you feel that anything at all is
not accurate, or looks even remotely fishy on your credit reports, you should
dispute them with the three major credit bureaus immediately. If you don’t
recognize a particular item or a particular creditor; or even if your reported
available credit line is not accurate, you should dispute it straight away.
Your credit report changes every single month. Every month your creditors update
specific information about you and report it to the credit agencies. They update
everything that they know about you including your account balances, inquiries,
your recent payments, and existing credit lines, so you should be checking your
credit report all the time to make sure that all of the information is 100%
accurate. We would suggest checking the information reported about you at least
once every two months at the very least.
Remember repairing your credit is your right by the law
This is your right. Why not take advantage of it. By law, your creditors (and
the credit reporting agencies) must prove that everything appearing on your
credit report is actually yours. You can dispute items on your own or you can
choose from one of our recommended online credit repair services to do the work
for you. Our recommendations are backed by real results where you can see
previous actual deletion letters. The advantage of hiring a credit repair
service is that they know the laws in each and every state and are able to
expedite this matter for a small fee.
To really keep on top of what is going on, you have 2 simple choices…
Choice 1: You do it yourself . You 100% most certainly can tackle this on your
own. And if you have the means, the time, and the know-how, we urge you to do it
yourself. No one will know your history better than you.  You would simply need
to pull your current credit reports and go over each of them very closely and
look for any incorrect information. You would then dispute all of the erroneous
information that you found by writing letters to the respective creditors as
well as to the credit bureaus. You have the right to do it on your own and/or
hire a credit repair company. If you have the time and patience, by all means,
do it on your own because you will save money. Here is a quick 10 step credit
repair guide that should prove useful on your journey of DIY credit repair.
Choice 2: Hire a credit restoration service . The problem with this approach and
strategy is that (in the past) it has been very difficult for consumers to weed
out the potential bad credit repair companies from the good ones on the
Internet. But by doing some research and by using due diligence, you can
certainly search on the Internet and find some very reputable credit repair
companies.
And that is where we come in. Our reviews show the actual results achieved for
previous clients by the companies that we are recommending.
Which do we feel is the best overall credit repair company?
Our #1 pick of the best credit repair company is Sky Blue Credit. You can read
our full review of Sky Blue Credit to learn more about this company.
There are advantages to using a legit credit repair service if you do not have
the time or know-how to do it yourself. Some advantages are that they know the
laws in each state. They know how to effectively write dispute letters that
force the credit agencies to take action and lastly that they will work on your
file residually and keep up on the process until the desired results are
achieved. This list of the best credit repair companies was created to help
consumers that don’t have the time to work on their own cases and so that they
can find reputable agencies that can perform the legal services that really
work. We of course cannot fully guarantee what your own individual or personal
results will be, but we assure you that all the services on this list are 100%
reputable and will show you positive results.
The bottom line
The bottom line is that you should take action in accordance with the laws that
are on your side.  Whether you do it yourself and submit your disputes one by
one or hire a reputable credit repair service, you will see that it is possible
to get negative items deleted off of your credit reports permanently and that
expedited credit repair is truly 100% possible.
We Have Been Providing Credit Repair Company Reviews for over 15 Years
So we know a thing or two! (That sounds like the Farmers commercial). :)
But seriously, we realize that having bad credit is a consequential problem and
that there are many consumers out there that are not sure which road to travel
on, and they are not sure how to deal with and fix it. Should they try to do it
themselves or should they look for a reputable company that will genuinely have
their best interests in mind?
Both options are viable and we aim to help you to do either or.
If you want to repair your credit yourself, we are here for you with plenty of
resources . All you have to do is learn the laws and then learn how to write a
dispute letter
If you don’t have the time or the know-how, we want you to trust have in us with
the unbiased and factual reviews that we have backed up with real evidence.
Take a look at our case studies and in-depth reviews. Check out who we have
determined as the best credit repair companies
We are your #1 trusted resource in repair for finding legit companies that
provide commendable credit repair services.
We are not just another top ten credit repair companies website.
Please take the time to look around and we think you’ll agree.
Navigating Our Credit Repair Resources and Reviews
What’s new on our site? (Updated 1-13-23)
Welcome to CreditRepairReviews.co! We are always updating our site with fresh
relevant content for our visitors. We want you to trust in us so that you can
rely on the accuracy of our information. We are always here to help you with
repairing your credit and getting out of debt. Thank you for visiting!
Here it is! The unbound utmost conclusive lest ever created of the best
marketing tools . There are tools that digital business owners cannot live
without!
It’s finally here. Our all-new 130+ ways to get out of debt blog post. Included
are some amazing tips on eliminating debt while learning how to save money.
There is also a section on ingenious ways to make money fast. We’ve worked hard
on this material and we think you’re really going to like it! Check it out here
We’ve just updated CreditRepair.com’s  new pricing model.
We have just fully updated our 10 Step credit repair guide with more in-depth
information to give you a better understanding of how to repair your credit,
whether doing it on your own or by utilizing a credit restoration program or
service.

If you have been considering starting your own credit repair business, check out
our fully updated review of the best Credit Repair Cloud software. We have added
all of their options including their free 30-day trial of the software and their
free training class. This is a must-read if you want to start your own business.
Credit Repair Cloud has just launched a brand new robust version of their
software with tons of upgraded features. See our in-depth breakdown of the
all-new Credit Repair Cloud 2.0 software. There are a lot of really cool new
features in the 2.0 release. You’re going to love it!

We just recently updated our Facebook page with some truly helpful information
when it comes to
repairing credit. We hope you find a lot of value in the content.


Here are our 15 latest blog posts:


How often can you get a free credit report – You can get a free credit report
from the three
major credit bureaus once a year. Learn how in this quick blog post!


Raise your credit score 100+ points overnight – See our latest blog post on how
you can raise
your credit practically overnight. There are seven great tips on how to get the
job done quickly. If
 you need a quick boost in your credit score then you’re definitely going to
want to read this post.
We truly hope it helps you in your endeavors to raise your credit score!


Money affirmations that really work – Learn how to use the power of positive
affirmation to
manifest money and success into your life.


Inc Authority reviews – Calling all entrepreneurs! Get your LLC or Corporation
set up for free!
 Read our in-depth review to see everything that you can if you sign up with
this company to get your business entity off of the ground.


If you want the real truth about credit repair, we’ve got answers to the most
common misconceptions. See our latest record release :) credit repair myths
exposed.


How to remove paid collections from your credit report – See 4 sound strategies
on how to get stubborn paid (or unpaid ) collection accounts removed from your
credit reports.


Does requesting a credit line hurt your score? In this latest article, you will
learn whether or not requesting a credit line increase will hurt your fico
score. You will also learn how to utilize and leverage a simple strategy to
raise your credit score overnight!


If you’re looking to start a successful freelance affiliate marketing business,
or if you want to build an affiliate downline for your credit repair business,
you’ll want to check out this amazing 15-day course from Legendary Marketer. The
course is just $7. And trust us it’s well worth it. Founder Dave Sharpe has done
a really great job by over-delivering with value with this one!


Here is an amazing offer that we just love promoting because it helps consumers
to pay off their mortgage and all their other debts in as little as 5 to 7
years! The Software is called the Money Max Account. See how you can get out of
debt in 5 to 7 years and build wealth at the same time.


If you are a small business or a start-up entity and you need business credit,
we have great news for you! We’ve partnered with Fund and Grow, a company that
will help you to get uncollateralized business credit cards at 0% interest with
no tax returns or financials required. See our full review of Fund and Grow and
learn how it works. Trust us, you’re gonna like this!


We have put together some really clever goodwill letter templates that you can
use to get late payments removed from your credit reports. We explain some of
the best strategies so you have a better chance of successfully getting the late
marks removed.


Here is our brand new resource of where to find the best online education.
Included are our hand-picked recommendations of the best courses and training to
help you become an expert in your field.


Do you want to sharpen your digital marketing skills? We’ve got you 100%
covered! We have just created an amazing marketing section where we offer tips
on how to grow and scale your business as quickly as possible.


Moosend – Read our full review of this all-in-one email marketing platform. If
you are not actively working on your email marketing, now is the time to start.
Moosend can get your email marketing off of the ground quickly and easily!


Kartra – Could this be the #1 absolute best all-in-one marketing tool for
running your online business? Read this review and find out! With so many
features under one roof, Kartra is making a run to be one of the best all-in-one
marketing software products ever created!


Our All-New Guide to Getting Out of Debt

We are not just credit repair anymore! We have just launched our all-new debt
help guide!



And we’re not just saying this, you’re going to love it! We have uncovered tried
and true techniques that will help consumers not only just get out of debt but
to build wealth at the same time!


Please take a moment to visit our three latest debt help posts


How to get out of debt – If you’ve been dreaming about finally becoming
debt-free, this is the page that you want to read first! Using our strategies,
you can learn how you can get rid of all of your debt anywhere from 2 to 7
years. By the way, these strategies do really work. So if you have been longing
to get out of debt, make sure you read this post. It can change your life!


How to pay off your mortgage early – How would you like to pay off your mortgage
in 5 years instead of 30 years? Well, now you can do just that! Not only will
you be able to pay down your mortgage but you will also be able to pay off all
of your existing debt including credit cards, personal loans, car loans, you
name it! Get rid of your debt forever with these amazing tried and true
strategies. You can become fully debt-free and you can start building a stream
of wealth well within just 2 to 5 years by following our strategy. Don’t wait.
Now is the time to get of debt entirely, forever, and for good!


Best debt elimination software – We have found an astounding company that offers
a unique proprietary debt elimination software that uses sophisticated
algorithms to get you out of debt in just a couple of years. Please take the
time to fully read our reviews of the best debt trackers and debt elimination
software. Getting out of debt has never need easier thanks to modern technology,
science, and mathematical algorithms.


Hey, debt sometimes happens because of unseen circumstances. Just know that you
can rebuild. We are always here to help you with support on any level. Please
feel free to reach out to us with any questions or comments. We love feedback
and we love helping our visitors to find their way by increasing their credit
scores and completely getting out of debt while building wealth. Don’t worry.
You’ve got this!


Entrepreneurial resources:

How to start a credit repair business from home – For all of you entrepreneurs
out there. Here is the one and only insurmountable guide that will take you by
the hand and walk you through actionable tasks, step-by-step, from A to Z, on
how to start your own credit repair business. You can start your own lucrative
profitable business with very little overhead. Imagine being self-employed while
helping others to improve their credit scores so that they can get the loans,
credit cards, and mortgages that they need! We have just added some great ideas
on how to grow and scale your business very quickly!


Get your business entity formation for free! Learn how to start your business
for free.


Business credit repair software – Get the lowdown on the best credit repair
software to use to manage your credit repair business.


Credit Repair Laws and Loopholes – See the loopholes and laws that you can use
to fix your credit legally, efficiently, and quickly. There are no tricks here,
just some really good treats that you can use to repair your credit, and they
(these loopholes) are backed by the law.


Start your very own debt-to-wealth business – Get paid anywhere from $500 to
$1,500 per sale just by sharing award-winning debt-elimination software! You can
finally become your own boss and build up a big team! This is an amazing
lucrative opportunity. You can show people how to completely eliminate their
debt and turn that previous debt into instant wealth. This may very well be one
of the best businesses of the 21st century.


Check out our complete guide for entrepreneurs. This guide was created
specifically for entrepreneurs that are looking to get into the credit repair
business. If you are serious about starting a business, we highly recommend that
you take the time to go through this section of our site. You will find a lot of
useful start-up ideas and marketing tips.


Credit repair reviews | Credit repair resources reviews


See our top picks of the best credit repair companies. Also see a list list of
all credit repair companies in order from best to well, not so good.


Credit repair help


See our resources where you can get credit repair help. Here you will find
answers to your credit repair-related questions.


Visit our blog for more answers to everything credit repair.


About us | Contact us


Learn more about us as a company.


Want to reach out to us? We love feedback! contact us today!


Which is the best credit repair company


What is the #1 best credit repair company? Our #1 choice is Sky Blue Credit
Repair because they do not have a pushy sales team. They are rated high with the
BBB and they also offer a 90 day full money back guarantee. They also get the
job done. See our post does Sky Blue Credit Repair really work?, and also see
the Sky Blue Credit Repair BBB rating with the Better Business Beauru. See third
party ratings, reviews and testimonials of Sky Blue Credit Repair.



What to look for and watch out for when choosing a credit repair company
Due Diligence
Use due diligence and do research about the company.
Our site helps you to do just that.
The credit repair company should have good reviews
Choose a company that has a lot of experience with repairing credit.
The company should have a positive track record online with few or no negative
reviews and should have a positive track record with the BBB.
The BBB is a 3rd party organization that helps consumers and businesses to
resolve disputes. Accredited businesses that join the BBB support what the BBB
does and they pay a yearly fee which helps the BBB offer its services to
consumers for free. Not all businesses are accredited with the BBB but they may
still have a grade rating (Of A, B, C, etc.) and you can still read reviews,
customer complaints, and any disputes filed against them. You can then see how
the disputes and claims were handled by the company.
Money-back guarantee
Choose a company that is willing to back up its brand with a no-nonsense
moneyback guarantee.
There are no guarantees with credit repair but you want a company that is
willing to put its money where its mouth is.


Make sure that they do not charge upfront fees



Never hire a company that charges you upfront fees.


It is for your protection that credit repair companies must start and perform
some work for you before you pay them.


Are they making false claims?


Some unscrupulous credit repair services will falsely claim that they are
affiliated with, and have an inside connection with the credit bureaus or that
they are partners or allies with some sort of governmental agency. Beware of
these declarations as they are both fraudulent assertions.


There is no such thing as guaranteed results


Beware of false claims of guaranteed results. There is no such thing as
guaranteed results not just in credit repair, but just about with anything in
life. They have not even seen your credit file yet. They do not know your
situation and they do not know if there are any inaccuracies on your credit
reports. How can they guarantee results? Run as fast as you can from these types
of companies.


Promising to get you to a specific score


If they tell you that they will surely be able to get you a 750 credit score,
again, run away as fast as you can. These are simply more false claims. Again,
no company can guarantee you a specific score.


Promising to remove your accurate delinquent information off of your credit
score


Although it is true that this is possible with some of the credit repair laws
and legal loopholes that exist for your protection, however, the chances are
unlikely, and telling you that they will do so is an immoral and untrustworthy
claim.


Failing to tell you that you have the right to repair your own credit


You can dispute with the credit bureaus yourself. If they tell you that either
you cannot do it on your own or that it would be a lot harder for you to do it
yourself, they are lying.


They tell you not to directly contact the credit agencies


You have every right to do so.


They tell you to give incorrect information on credit applications because it
will help you to get a loan


They are downright telling you to lie. How is that trustworthy?


Promising to create you a new identity


Watch out if a company says they can create you a new identity, and social
security number so you can start off on a clean slate. This is an illegal
activity and you could end up in prison.


Is the pricing reasonable?


Make sure that the pricing is reasonable and affordable.


Is there customer service good?


Are they giving you a lot of value? Does the information sound reasonable? Are
they giving you the answers to your questions without being pushy? These are all
good signs that they are a reputable firm.


Free consultations


The company should offer free consultations and absolutely should not have pushy
salespeople.


We feel it is very important that you call and talk to a professional that
represents the company (and not just a salesman) before you invest in their
services.


If you are feeling like you’re being pushed into something, chances are that you
are, and chances are that something that they are doing is not in your best
interest.


You want a company that will go over your finances and credit situation and
covers every single step of what will (or may) happen with your account.


They need to build trust with you.


Do not feel pressured into making a decision. If it doesn’t feel right, well
then, it probably isn’t. Trust your intuition.


The one company that we can attest to that checks all these boxes is Sky Blue
Credit Repair.


Also, see actual Sky Blue Credit – Credit bureau deletion letters that the
company has achieved for us.






What to Expect From a Good Credit Repair Company










Honesty


A good credit repair company will be personable and honest with you and not just
simply treat you as a sale.


Your trust in them 


They will have the power of attorney to dispute negative items on your credit
reports for you.


All of your information must be 100% correct and 100%  verifiable


They will go through your credit reports with a fine-tooth comb and they will
know exactly what to dispute for you. All of the information that is reported
about you from the three credit bureaus must be 100% correct. If there are any
discrepancies whatsoever the items must be removed.


They will know the laws


A really strong company like sky blue credit will know all of the legal
loopholes and laws so that they can get items that are not compliant with the
law be removed from your credit reports.


Money-back guarantee


They will offer you an ironclad moneyback guarantee


They will not charge upfront fees


It is illegal for a credit repair company to charge you before they start
working on your case.


They will not charge extra for services that should be included


A good credit repair company Sky Blue Credit Repair will never charge extra for
additional services.


Here are some of the things that a credit repair company can do for you


 Goodwill letters – They can write goodwill letters on your behalf to your
creditors as well as to the credit bureaus.

 Experience with bankruptcies – Although bankruptcies can be stubborn to get
removed off of your credit report, a good credit repair company will know the
loopholes especially on the public record end and they will have a much higher
chance of getting a stubborn bankruptcy removed. learn more about getting a
bankruptcy removed from your credit report.

Tax Liens – Tax liens are also stubborn items to get removed. But a good credit
repair company will have experience with getting the job done.

Remove collection accounts – Having experience with collection agencies is a
must. The company working on your behalf should know how to wheel and deal and
be able to get collection accounts removed from your credit reports easily.

Getting judgments removed – Judgments happen when collectors do not get their
money and they take the situation to court. If the court rules in their favor it
will be a judgment placed against you and it will show up on your credit
report. New laws have been made so that judgments do not appear on your credit
reports so if you do have a judgment a good credit repair company can get it
removed easily.

Writing debt validation letters for you – You all want the firm working for
you so that they can validate all of your debts with creditors. If the creditor
is coming after you to pay a debt, do not pay it until they send you a
debt validation letter that will prove that you definitely owe the debt. If they
cannot do that the item must be removed from your credit report.

Getting late payment removed – There are some tried-and-true techniques to
getting a late payment removed off of your credit report. Your company should
know the ins and outs to get this done for you.

Cease and desist letters – If there is a creditor that is coming after you and
calling you at all hours of the night, by law they must stop sent a
cease-and-desist letter. The company that you hire should be able to do this for
you at no additional charge.

Inquiries – There are a couple of really good strategies to getting hard
inquiries removed from your credit report. A good company will have the know-how
to get the job done for you. Not all inquiries can be removed but in many cases,
depending on the circumstances there are still ways to get the job done.



Charge offs – Charge-offs can lower your score dramatically. A charge-off
happens when the creditor cannot get their money from you after many attempts.
At that point they essentially write it off as a loss or in many cases they will
sell your debt to a collection agency. Understand that this looks really bad for
you because future lenders will see that the previous creditor just simply
couldn’t get money from you and gave up on you. While charge-offs are stubborn
at times to get removed, there are strategies in the way that you file a
charge-off dispute. At times you can also negotiate a settlement and use the pay
for delete strategy.

Custom disputes – There are times when 100% custom disputes must be sent. Many
credit repair companies use templates over and over. A good credit repair
company would never do that.

Statue of Limitation– You’ll want your company to be proficient in performing
statute of limitation research. Collection accounts should never be disputed
without knowing what the statute limitations are.

Help with rebuilding your credit –Not all credit repair companies offer with
rebuilding your credit but the good ones do. Sky Blue Credit, for example,
offers this service at no additional charge. They will also help with debt
settlement negotiation consultations if needed.

We Thank You For Your Trust

Our reviews of the best credit repair companies are 100% real and are backed and
verified by real actual results that we have received by paying for and using
these companies firsthand.

We are a New Jersey-based company and have also reviewed the best credit repair
companies in NJ.

Learn more about our founder, our story, and our overall mission as a company.

Thank you for visiting and trusting our site.

We’re glad you’re here!

And we hope we can truly help you to make an educated choice with repairing your
credit and improving your financial future.





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