Our online service allows you to oversee your credit directly, free from delays caused by intermediaries. Learn more about the credit repair company in our full review of The Credit People. Like Credit Saint, The Credit People offers tiered plans based on the level of service you require. There are no differences in the features between the Premium and Flat rate plans; the only difference is a commitment for six months with Flat rate. Online reviewers rate the company 3.83 out of 5 stars on its BBB page.

How Do Credit Repair Companies Remove Negative Items?

If you’re in debt and need help, a reputable credit counseling organization might be able to help. Good credit counselors spend time discussing your entire financial situation with you before coming up with a personalized plan to solve your money problems. They won’t promise to fix all your problems or ask you to pay a lot of money before doing anything. The guarantee covers all the services we offer, including credit report disputes, credit counseling, and debt management. Leave behind your history of poor credit by relying on our expert advice and proven repair techniques.

We also looked at service packages offered, fee structure, money-back guarantees, discounts and cancellation policies. “What sets Credit Saint apart is that we don’t use form letters to dispute incorrect information. We ask customers to certify the errors on their credit reports and then we submit original dispute letters written by attorneys,” says Ross LaPietra, CEO of Credit Saint. Per the Fair Credit Reporting Act (FRCA), you can dispute any information you believe is inaccurate.

The Importance Of Rebuilding Positive Credit During The Repair Process

With our 100%, 180-day money-back guarantee, we stand by our commitment to delivering results. Most people see results within three to six months, but the timeline depends on several factors. Simple errors, like a misreported late payment, can sometimes be fixed in a few weeks. More complex issues, like collections or charge-offs, usually take longer to resolve. The process often involves sending dispute letters, requesting debt validation, and in some cases, negotiating with creditors to resolve legitimate debts.

You can call individual lenders and credit bureaus to dispute those mistakes, but that’s a time-consuming process. Credit repair companies are designed to take the work out of your hands and help you get your credit in shape. Working with a credit repair company can be costly, unlike partnering with a credit counseling agency, which typically offers free or low-cost services and places a greater emphasis on education. When researching credit repair companies, consider the timeline, fees and overall process to potentially avoid credit repair scams or costly mistakes.

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 collections, judgments, charge-offs, and foreclosures.

Trained credit professionals assess clients’ credit reports, create plans of action, challenge negative items, and offer resources on general financial wellness. Additionally, the agency consults with clients seeking information on the consequences of failing to pay debts, looking to make major purchases, and victims of identity theft. Founded in 2001, Credit Fix Now has successfully helped numerous clients with their credit issues. Christina Credit Repair Service caters to clients with debt and credit issues in Los Angeles. It helps clients repair their credit scores through credit education and correction.

Credit Saint offers unlimited challenges to the credit bureaus with its Clean Slate plan, which costs $139.99 per month, plus a $195 initial work fee. More challenges can mean more opportunities to dispute negative credit report items and a faster process overall. The company indicates it offers challenges to the three credit bureaus with its less expensive plans, but it doesn’t disclose its monthly limits. Credit Saint is a long-standing credit repair service that has been helping customers with their credit since 2007. In terms of services, consider factors like how many disputes each company can file each month, whether credit monitoring is included, and which credit bureaus they’ll work with. It’s best to get your credit corrected with all three bureaus — Experian, TransUnion, and Equifax — so keep that in mind when comparing services.

Like Credit Saint, Safeport Law offers a 90-day money-back guarantee with similar stipulations. You can cancel your plan at any time and you have access to an online portal and a credit score tracker 24/7. Correcting personal information on your credit report is part of how the credit bureaus determine what is reported. Having the right data ensures that accounts that are yours are the only ones showing.

Credit repair may also address legitimate negative items on the credit report, such as late payments or collections. This might include negotiating with creditors for payment arrangements, settling debts or writing goodwill letters to request the removal of negative information. The next step is to dispute any errors with the credit bureaus and the creditors reporting the information. This can be done by mail, online or by using credit repair companies that specialize in handling these disputes. creditrepair starts with reviewing your credit report from the major credit bureaus—Equifax, Experian and TransUnion. Each report should be checked for errors, inaccuracies or outdated information that may negatively affect your credit score.

With this, you’re in the driving seat, keeping track of every step in your credit repair journey. Our platform is designed with user-friendliness at its core, ensuring you stay in control with ease. But if you’d rather do… well, anything else, a credit repair company can handle the nitty-gritty so you don’t have to.

The state is renowned for its rich history, with landmarks like the iconic Ellis Island and the historic city of Trenton, where pivotal moments in American history took place. At the end of the session, our experts will hand you a breakdown of the costs and explain your payment options. This is the most important stage of the process as it involves exploring and implementing strategies that build and repair your credit. We want you to have improved credit and enjoy a better life, that’s why we are offering a promotion for a free call with our credit consultants now. This program will help me pay off the debt faster and free up some money to start putting toward my retirement fund.