When your credit score goes downhill, bringing it up can be a pretty daunting experience. Whether the problem was caused by a lack of income, health or medical bills, or even bad stock investments, one can learn to improve that score from just a few simple tasks. Your credit history can sometimes include incorrect and erroneous entries, most of which could be giving you a false credit score. Know beforehand that is an item is “questionable” and cannot be verified, it must be removed from your credit report. One such task, a very important one, is to get a credit repair review. “Credit repair” means the legal work, strategy, and methods that credit review companies use to challenge questionable negative credit listings that are inaccurate, misleading, unverifiable, untimely, biased, or incomplete.
Having someone guide you through the process of reviewing your credit report can be a tremendous help. Going to an expert who knows what to look for and how to fix it can do wonders for your credit report and score. These experts, once a review is done, can set you up with a financial plan that effective and, more importantly, legal. Most credit repair companies create programs to help you clean up your credit history, settle any outstanding debts you may have, and help you establish new lines of positive credit. Two things to look for in a good credit repair company would be past experiences, such as years in the industry and customer reviews, and services backed with a satisfaction guarantee, including refunds should the service not live up to the company’s own policy and promise.
Credit Review Companies
The top five review companies in the market include Lexington Law, Sky Blue, DSI Solutions, MSI Credit Solutions, and Ovation Credit Services. The history, experience, and price range for each company, but the results average the same. Customers have rated the companies from an 8.2 to 9.1 on a 10-point scale. Lexington Law has 20 years of experience and offers a free consultation. Sky Blue offers a 100% money-back guarantee if a client is unsatisfied as well as a low-cost setup fee. DSI Solutions eliminates a step for the client by attaining their credit report for them and the company has a one-time fee instead of monthly charges. MSI Credit Solutions customizes a plan for each client while basing their rate on the free consultation. Ovation Credit Serves offers a no-risk refund policy and provides extensive information on the process and techniques of the credit repair process.
Get Credit Help
Whether you seek to repair your credit or give yourself a higher score, the goal should be the same result: a better life with better choices. When you have nowhere to go but up, why not take a chance and get the help you need?