Review of the best credit cleaning companies: Which services deserve the most trust?

Review of the best credit cleaning companies: Which services deserve the most trust?

There are so many 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 perform miracles, the best credit cleaning companies will do everything legally possible to repair your credit report so that your score increases in the shortest time possible. However, they CANNOT guarantee that the score will increase by a certain number.

And this kind of service can really work and doesn’t have to cost that much money. You should not be required to pay money up front. There should always be a free consultation. The CROA requires these types of companies to be able to explain the following:

• Your legal rights (in writing) regarding credit recovery

• Included costs and your right to cancel for at least 3 days

• Approximate timeline

• A detailed plan of everything the company will do to help you and the specifics involved

You should have the legal ability to take them to court if they don’t do what they promise.

What ARE some of the best credit cleaning companies? Which ones should you consider?

Here are some of the best:

Credit Sky Blue

This company has been offering credit repair services since 1989 and has earned a reputation for being very user friendly. There is one price for all services. You won’t be confused with the different tiers or upgrades that some of the other companies offer. Sky Blue promises to challenge 5 items per desk (for a total of 15) every 35 days to ensure a fast pace.

Credit Saint

There are many reasons why this is a good company: it has an A+ BBB rating, a 90-day money-back guarantee, and customized written arguments tailored to each individual client’s circumstances. Other credit repair companies only use pre-written arguments. If you choose Credit Saint, you will be assigned a team of experts to oversee your case. Your team will call you regularly to keep you informed of what is happening.

The Lexington Act

If it’s available in your state, you’ll definitely want to look into Lexington Law. This organization has teams of real lawyers and paralegals spanning over 20 states. Customer support is available 24/7 via email, online chat or phone. When you first contact them, you’ll get a free, in-depth consultation where you’ll learn how to analyze your credit reports. It is decided that you will be a good candidate for credit repair services, you will be able to start as a customer.

Before contacting one of the best credit cleaning companies, make sure it’s really a service you’ll need. Are there too many problems with your credit reports that you don’t think you can handle on your own?

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