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There are a lot of bad and illegitimate credit repair agencies out there, but as long as you familiarize yourself with the Credit Repair Organizations Act (CROA) and know your rights, you should be able to choose a legitimate one. While none of these services can work miracles, the best credit clean up companies will do everything legally possible to fix your credit report so that your score can go up in the least amount of time. However, they cannot guarantee that the score will increase by a specific number.
And a service like this can really work and not cost that much money. You should not be required to pay money upfront. There should always be a free consultation. The CROA mandates that these types of companies must be able to explain the following:
• Your legal rights (in writing) regarding credit repair.
• Costs involved and your right to cancel for at least 3 days
• An Estimated Timeline
• A detailed plan of what the company will do to help you and the specifics involved
You should have the legal option of taking them to court, in case they fail to deliver on the promise they made.
What are some of the best credit cleanup companies? What should you consider?
Here are some of the best ones:
sky blue credit
This company has been providing credit repair services since 1989, and has earned a reputation for being very user-friendly. There is a price for all services. You won’t be confused by the different tiers or upgrades offered by some other companies. Sky Blue promises to dispute 5 items per bureau (for a total of 15) every 35 days to provide faster turnaround times.
credit saint
There are several reasons why this is a great company: It has an A+ BBB rating, a 90-day money back guarantee, and custom written arguments tailored to each client’s circumstances. Other credit repair companies simply use pre-written arguments. If you choose Credit Saint, you will be assigned a team of experts who will look into your case. Your team will call you regularly to keep you informed about what is happening.
lexington law
You’ll definitely want to consider Lexington Law, if it’s available in your state. The organization has teams of actual attorneys and paralegals spread across more than 20 states. Customer support is available daily via email, online chat or phone. When you first contact them, you’ll receive a free, in-depth consultation where you’ll learn how to analyze your credit report. Having determined that you will be a good candidate for credit repair services, you will be able to get started as a customer.
before contacting any best credit clean up companies, be sure that this is really a service that you will need. Are there too many problems on your credit report that you feel you will not be able to deal with on your own?
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