We pull reports from all three outlets to ensure we are identifying all inaccuracies or reporting errors that may be damaging your credit score. The Phenix Group’s credit analysts work on your behalf to fix outdated information and remove inaccurate data. Many times, there’s information that can no longer be verified, such as a reported item that came from a business that no longer exists, can be removed from your report. As we are true credit experts, we understand how to implement strategies to address accounts and build positive credit reports for our consumers. Our credit consultants give one on one, expert advice to get past credit issues and possibly improve your bad credit score. With our repair process, we provide more than the typical bureau level dispute for credit issues on your report.
Review Sources
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Providers
The company has a 2.3- out of 5-star rating across seven Trustpilot reviews, and a 2.42- out of 5-star rating with BBB reviewers. Happy customers praise its customer service team and good results, though many displeased reviewers mention they didn’t see any improvement to their credit after using this company. In the past, Lexington Law disclosed its limits for monthly credit bureau disputes. Instead, the company indicates that it provides a “certain amount” of disputes each challenge cycle; cycles typically last days. Due to its track record of success and almost 20 years in service, Lexington Law makes our list as one of the top credit repair companies. However, its pricing is higher than many of the competitors so it would be wise to shop around before settling.
Many people who report negative experiences had unrealistic expectations or did not fully understand the service. Our credit repair team takes action and begins correcting errors on your report using our proprietary system and team of industry insiders. And they offer some of the most affordable credit repair packages, starting at $49.99 per month.
Understanding The Credit Repair Organizations Act
If you have several credit cards, be sure to make each personal loan payment on time. Late payments on your home mortgage loan, credit cards, debt payment, or life insurance may show up as negative items on your credit report and cause bad credit. Depending on the circumstances behind the late debt payment and fees, it may be possible to have the payment history corrected or removed from your credit report. You can talk to one of our credit specialists about your credit report and learn about the repair options available. As the leading provider of credit repair service s in Virginia, we help individuals to improve their credit scores without charging any major set up fees or hidden charges.
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.
It audits credit reports, looks for negative items, and sends dispute letters to all three credit bureaus on a client’s behalf. Its credit repair specialists then work with the credit bureaus and creditors to remove or correct credit errors. To help improve a client’s credit score, Boss-Credit provides ongoing credit counseling and financial products. Fast Credit Solutions LLC provides credit repair services in Las Vegas. Its experts analyze credit reports and create a plan to repair credit scores to help clients regain financial credibility.