1. Credit Saint
Among the credit repair businesses, Credit Saint receives the highest overall rating. The credit restoration organization has been in operation since 2004 and has corrected millions of mistakes for customers. Credit deletions often take six months to appear on the report. Clients make monthly payments while the team is at work. Three programs are available from CreditSaint: Credit Polish, Credit Remodel, and Clean Slate. Let’s examine the programs more closely.
Credit Polish. Challenges to all three credit agencies, score analysis, creditor interventions, score tracking, and up to five challenges for erroneous reports every dispute cycle are all included in the services.
Clients also have an online account to monitor the advancements made on their behalf. Credit Saint was created to combat foreclosures, repossessions, inaccurate late payments, bankruptcies, and charge-offs. The group informs clients of how long each item can stay on a credit report. Their responsibility is to contest the ones that the report still contains after the statute of limitations has passed also, the ones that were misreported.
The Credit Polish is a feature of Credit Saint’s other higher-tier programs. The first step of the service is setting up an account for the customer. The client is then given a copy of their credit report by a team member. Before work started, the final stage required the team member to inform the client. They discuss methods for opening and closing credit lines. Among other things, they discuss the significance of making on-time bill payments.
Price: $79.99 per month plus a $99 setup charge and any applicable sales taxes.
Credit Remodel. Up to 10 erroneous report challenges each dispute cycle, inquiry targeting, and Experian monitoring are also included in this set of services from the Credit Polish package.
Price: $99.99 per month plus the $99 setup fee plus any applicable sales charges.
Clean Slate. Includes unlimited erroneous report challenges per dispute cycle in addition to services from the Credit Polish and Credit Remodel packages.
Price: $119.99 per month plus the $195 startup fee plus any applicable sales taxes.
2. Sky Blue Credit
The way that Sky Blue Credit Repair Company executes its program differs from other companies’ ways. For their services, a set cost is required. They also provide customers the option to trial before signing up for the service. The company has been around for thirty years.
The company takes pride in its shorter 35-day cycle, comprehensive service offering, and adaptable payment schedule that allows for service pauses. Sky Blue Credit also provides an education center, a condition-free refund policy, and first-rate customer support.
A free phone consultation is offered to anyone who are unsure about working with a credit repair business. If what they hear appeals to them, they start the enrolling process.
Fill out the online form first. The customer’s credit reports are then delivered to the service. Line by line, their team reviews the reports. They immediately begin pointing out entries that are dubious. The team also starts looking for ways to raise the person’s credit rating and report. They also spot chances for credit restoration.
The plan offers a flat rate program in addition to other features including flexible payment options, no upgrade fees, no piggyback fees, and an anytime cancellation policy.
The following services are included in the plan: professional, expert analysis and dispute identification; identification of 15 disputed items every 35 days; assistance and education regarding credit scores; advice on credit rebuilding; debt validation; goodwill letters; and finally cease and desist letters.
Price: $119 for couples per month plus $119 setup cost, or $79 per month plus $79 setup fee.
3. Credit Pros
Another company powered by artificial intelligence is The Credit Pros credit repair company. Their offerings are effective. Offering educational opportunities is another way they add value for their customers.
The credit repair service immediately shows off its strength. The company notes that over the course of ten years, it has successfully served over 100,000 clients. It emphasizes how AI provides strength to its solutions.
This credit repair business provides services like easy-to-read credit reports, personalized score insights, tools and suggestions for education, advice on how to make smart financial decisions in the future, and credit monitoring.
The Credit Pros incorporate several premium services in their packages, whereas other companies charge extra for them. The three bundles are called the Success Package, the Prosperity Package, and Money Management.
Clients of The Credit Pros receive: 1. IDCover, which guards against identity theft. 2. Credit Sentry, which tracks changes to your credit and notifies you of them. 3. Use CreditRepoair.ai to automate credit repair. 4. Cash Rules to assist in money management.
The advantages don’t end there. They keep providing premium services without charging extra, such as one-on-one planning, ID theft restoration and insurance, 24/7 client portal access, debt validation letters, and monthly planning with unlimited dispute letters.
Price: $49 monthly.
Prosperity Package: Includes access to Slash Rx, credit repair with the three bureaus, the snowball and avalanche debt systems, the TCP legal network, and debt validation letters, in addition to the services offered by Money Management Plan.
Price: $119 monthly.
Success Package. Features access to the department store line of credit offered by Hutton Chase as well as reporting to Experian and Transunion, in addition to all the services and advantages of the preceding tiers.
Price: $149 monthly.
4. Credit Karma (honorable mention)
In March 2008, Credit Karma was introduced. The company’s focus has always been on providing customers with free access to their credit report information. The founders believed that if customers understood their financial facts, they might make better financial decisions.
The Credit Karma staff had a good time. They introduced its Approval Odds tool in 2011. Members may determine whether lenders might approve them for a variety of credit cards based on their credit score and report.
The daily monitoring services and iOS mobile app for the credit monitoring service were introduced in 2012. The business extended into financial tracking and monitoring the next year. Greater credit bureaus partnered with the credit monitoring business as they gained more credibility.
Direct Dispute, a service for reporting errors, was added to Credit Karma in 2015. Credit Karma Tax, a service offered in 2017, allows users to file their taxes for nothing.
There are two drawbacks to using Credit Karma in addition to its many advantages. These are the advertisements that pop up everywhere and do not provide FICO score information.
The service gives VantageScore, which combines reports from Equifax and TransUnion, in place of providing the person’s FICO score.
