Best Credit Repair Companies of 2017

After extensive reasearch here are the top three credit repair companies in the US

Rank Company Details Success Rate Free Report Overall Score More Info
1 Discount Credit Repair

Set up fee: Free

Monthly Fee: Start at $99.95

Cancellation Fee: Free

96% 5/5 Visit Site Reviews Call now
2 Credit Target

Set up fee: $14.99

Monthly Fee: Start at $99.95

Cancellation Fee: Free

94% 4.5/5 Visit Site Reviews Call now
3 The Credit Repair USA

Set up fee: $39

Monthly Fee: Start At $79.95

Cancellation Fee: Free

89% 4.1/5 Visit Site Reviews Call now

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Each day, we are tasked with answering our customer’s key questions. These questions include “What is the best credit repair company?” and “Who can I trust with my credit?”.

Credit Fix Compare takes to understand the challenges that our customers face when they have bad credit. We are also open and trustworthy as we realize the difficulty some customers have finding a credit repair service that they can depend on.

TO ensure this, we work with a team of credit experts who have gathered information from people seeking credit repair services, as well as the top credit repair companies. This way, we are conversant with all types of needs. For your benefit, we have reviewed 3 of the best and have the results here for you.

Discount Credit Repair

  • Cost: No setup fee – As Low as $99.95/mo
  • Discount for Couples, Family Members & Military
  • Over 12 Years of Experience
  • Free Credit Report
  • Free Consultation

Discount Credit Repair

Call Discount Credit Repair for a Free
Consultation

1-833-827-4544 Visit website

Quick Review:

When it comes to credit repair companies that you will come across, Discount Credit Repair is amongst the best that you can come across. In fact, it has been voted the Best Credit Company for 2016 and 2017. By the time that this review was written, there was an excellent team of credit repair specialists in various areas available to assist customers. The more customers choose to use this service, the more people are added to the team to ensure that all customers are fully satisfied and given individual attention to improve their credit.

From this leading service, you can expect that any letters that are sent to the credit bureaus have a tracking code so that it is clear when the letter was sent, and when the response was received from the credit bureau. It is also possible to receive a free credit report summary as well as a credit score for all customers as well as new subscribers.

Customers are not locked down to a contract. Instead, the customer has the chance to retain the companies services from one month to the next. You can choose to cancel the services at any time, though you are bound to retain them as they will help you better manage your credit score.

Bottom Line:

There is no other company that will provide you with the same combination of services, expertise, affordability and flexibility. Therefore, Discount Credit Repair is out top choice for those who are looking to get immediate assistance when repairing their credit.

Past Clients:

Credit Target

  • Cost: $14.99 Setup – Start at $99.95/mo.
  • 3 bureaus Credit Monitoring at No Extra Charge
  • Score Tracking 24/7 & Free Analysis
  • 24 Hours live support
  • No Contract – Cancel Anytime

Credit Target

Call Credit Target for a Free
Consultation

1-888-765-7888 Visit website

Quick Review:

Credit Target is a growing option that is becoming popular with people dealing with bad credit. They work towards being a one-stop solution for all their customers who are seeking to repair as well as monitor their credit. This makes it possible for their customers to remain on top of their credit at all times, including when they do not have immediate access to their computers.

It is possible to receive both text and email alerts from this credit repair website so that you know when there is any change on your credit report. This will make it possible for you to correct any information that may be false or misleading so that it can be removed from your credit score immediately.

Bottom Line:

When you want to fix up your credit, you need to have an understanding of the entire process. That is why Credit Target is a good choice, as it offers excellent service as well as assistance that will help you gey your credit on track.

Past Clients:

The Credit Repair USA

  • Cost: $39 Setup – As Low as $79.95/mo.
  • Special Couples Pricing: $49 Setup & $169 Per Month
  • Over 40 Years of Experience
  • 100% Money Back Guarantee
  • No Contract – No Hidden Fees

The Credit Repair USA

Call The Credit Repair USA for a Free
Consultation

1 833-200-0611 Visit website

Quick Review:

The Credit Repair USA is one more company that has a high rating as it helps people understand what has gone wrong with their credit reports, and what should be done to fix it. Since most people find it challenging to understand the nuances of credit laws, this is a company offers them the chance to go through the entire process with a professional as a guide.

Another significant advantage is the speed with which they settle disputes. The Credit Repair USA ensures that people prepare themselves for financial advancements including getting loans. This is done by getting rid of charge offs that are inaccurate or out of debt, as well as removing the collection accounts. The services from The Credit Repair USA are affordable and you can be assured of the best possible outcome.

Bottom Line:

This is an option that is highly affordable and links you to credit professionals that will help you to get the job done.

Past Clients:

The Truth About Credit Repair

Bad credit will cost you. Wondering how? A basic example is in interest. When you are purchasing a home for example, you can end up paying up to $100,000 more in interest if you get a mortgage when you have bad credit. Consider a smaller asset like a car, you could pay an additional $5000 more than someone who has good credit.

When you want to get a loan from your home, car, education or even a cell phone, with bad credit, you will find that it is much harder. Insurers will charge you more, and bad credit could even affect your ability of getting a job.

Having Good Credit Can Help You Save Money

You may think believe that higher interest can be managed, though you should note that it can quickly add up. Anything that you are paying in high interest can help you build a better life for yourself. With good credit, you can put money aside for better vacations, ensure that your kids go to college, and live in a nicer car or home.

There is no need that anyone should believe that having bad credit is a permanent state of being. It is not necessary to take seven years to resolve the situation, or that there is nothing that you can do about it. There are things that can be done to fix your credit from today.

What is credit repair?

Also known as “Credit Report Repair”, Credit repair outlines a process that focuses on the repair of a bad credit report, so that one can raise their credit score. It requires an expert to comb through the credit report and identify any negative information that could be questionable. This information can then be challenged through following up with the necessary credit bureaus so that the negative information can be removed from the credit report.

Is credit repair legal?

Yes it is! As long as you have a credit report, you have every right to dispute what is within it under the Fair Credit Reporting Act of 1970. It is enforced by the FTC, and the law states that credit bureaus MUST respond to any disputes that are raised in a timely manner. It is worth noting that there are numerous consumer credit laws in place for customer protection.

How does credit repair work?

By making use of the aforementioned laws, credit repair calls for holding the credit bureaus accountable. The law is in place to support the customer, so it is up to the credit bureaus to provide proof that they are accurate. When a dispute is raised, 30 days are provided for proof to be given, and if there is none available, then the error must be removed from the credit report.

How long does it take to repair credit?

This is relative and changes from person to person. The factors that could affect the time taken include an individual situation and strategy, goals and more. What is worth noting is that once a complaint has been raised, the credit bureau will typically respond within 30 days, though in some cases it may take up to 45 days.

What is a credit report dispute?

This is a dispute one has with the credit bureau, and is basically a way of letting the credit bureau know that you have a something that you are challenging within an account in your credit report. It is possible to make a dispute through a phone call, a letter or even online through the website of the credit bureau.

When you dispute an item on your credit, you are asking the credit bureau to verify the information that has been included within the report. If they cannot confirm that the information is accurate, then they need to remove that information from the credit report. You are asking that an element of your account should be investigated.

How can I repair my credit?

There are two options that you can explore when considering credit repair. These are:

  • Hiring a credit repair company to do the hard work for you.
  • Repairing your credit on your own.

How can I repair my credit myself?

Although challenging, you can try to repair your credit by yourself, and there are many who are able to every day. In order to do this, you need to educate yourself on your rights as a consumer as well we credit laws. As you delve deeper into these, you will be amazed by the rights that you have as an individual. To begin with, you should read through the FCRA as well as any other consumer laws that you can find which are related to your credit.

Free Credit Repair Help

As you work on your own credit repair, you may find that you need help along the way. There are plenty of free sources of information online, including this website. However, you should also note that there are some websites that may have information that is misleading, even when they are highly trusted. This information will often leave you discouraged when it comes to repairing your credit.

You should find a website that gives you more than just tips, but which includes the full story. That is what we offer, to ensure that you are able to comprehend all your rights and get excellent credit repair information while online.

Why We Recommend Credit Repair Companies

You may not have adequate time to repair your own credit. This means that you may also be lacking in the time that is needed to do extensive research on the credit repair companies that are available online. One cannot underestimate how important it is for the credit repair process to be done correctly.

When you are not 100% sure of what you are getting into, it is recommended that you get the help of a credit repair professionals. This is because your typically have just one chance to get it right, as a mistake could make your credit score even worse. You may not know what you have to avoid doing as you go through the process to get the best results possible.

We believe that you will be happy with the results, although if you are not, you have the option of cancelling following 30 to 60 days. We do not have contracts with the companies that we have listed, although some of them offer guarantees. If you are facing a credit problem, it is worth trying out the top three companies that we have reviewed.