Instead of paying a monthly fee of $49.99 each, couples pay one monthly fee of $89.99. To develop our list of the best credit repair companies, we researched and analyzed over a dozen companies in the market. In our analysis, we considered factors like transparency, pricing, services provided, and company reputation. creditrepair weighed other things like overall customer experience, customer satisfaction, and whether companies had any recent regulatory action taken against them. Satisfied customers praise the company’s team, mentioning how patient, helpful, and informative it was during the credit repair process.

We have an easy-to-follow process that consists of a step-by-step plan that address problems in your credit file and fixes them one by one. As a result, your credit score improves and you can get the loan approvals you need. You may have worked with other consultations that have failed to deliver but we won’t. Each one of the strategies we suggest is carefully calculated after weighing all the pros and cons. Our team uses its expertise to create personalized repair plans to build your credit after assessing your credit file.

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While some errors can be removed quickly, the credit repair process typically takes a few months. The length depends on the number of disputes, how responsive the credit bureaus are, and whether additional steps—like debt validation—are needed. Credit Glory specializes in helping clients dispute inaccurate negative items on their credit reports with a straightforward, no-contract service. The credit score provided in CreditWise is a FICO® Score 8 based on TransUnion data. The FICO Score 8 gives you a good sense of your credit health but it may not  be the same score model used by your lender or creditor.

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Because payment history is the biggest factor in your credit score, even one late payment can lower your score. Inaccurate negative information, even if it’s just a late payment that was actually paid on time, could lower your credit score. Errors in personal information, such a name or address reported incorrectly by a creditor, won’t affect your credit score but should still be corrected. If your credit report contains something you believe is inaccurate, you have the right to file a dispute with the relevant credit bureau. Credit repair companies then do the legwork to clean up those inaccuracies.

Based on the individual’s financial situation, Accredited may refer customers to a partner that offers debt consolidation loans, the company says. If you enroll in debt settlement with $30,000 in credit card debt, and you’re able to settle for $15,000, you might pay a settlement fee of $7,500 (25% of $30,000). You own and control this account, which you can access anytime online, and Accredited works with you to determine how much to deposit into the account each month. According to Accredited, the amount will be less than the payments you’re currently making on your debts.

But a CPN isn’t a substitute for an SSN, even though it’s often marketed as such. Scam artists market CPNs as a way to hide poor credit or bankruptcies or to use in place of an SSN when applying for new credit. Find a trusted financial provider by using BBB’s business directory. The Credit Pros offers packages ranging from the affordable, no-frills Money Management plan to the robust Success Plus plan. Credit Firm’s range of dispute services is extensive, particularly given the comparatively low price point.