You can schedule a free consultation in English or Spanish, and once enrolled in the program, a Credit Pros specialist will begin addressing inaccuracies on your credit report in three to five business days. Some Credit Pros plans come with additional services like three-bureau credit reports and the option to apply for a credit builder loan. Credit repair is the legal process of reviewing and addressing inaccurate, outdated, or unverifiable information on your credit report. creditrepair may be lowering your credit score and affecting your ability to qualify for credit, loans, housing, or jobs. With all this being said, there are plenty of reputable credit repair companies out there, including firms that promote upfront and transparent pricing and offer a satisfaction guarantee. If you’re looking for help repairing your credit, the key is finding the best credit repair services out there and choosing the one that aligns best with your needs.

A Word From Clients With Improved Credit

Credit Saint was originally founded in 2004, and the company boasts a rating of A with the Better Business Bureau (BBB) and excellent rankings from third parties, including Consumers Advocate and Consumer Affairs. We are a company composed of a skilled team of professionals with backgrounds in the Mortgage Industry, Debt Negotiation, and Automotive Finance. Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or

The best credit repair companies have the skills and experience to help you with your credit, whether you have late payments, judgments on your credit report, or even accounts in default. While you definitely have the right to negotiate with your creditors yourself, credit repair companies can take on this grunt work for you, completing tasks that feel overwhelming or beyond the scope of your abilities. We know that each of our client’s credit situation is unique; therefore, we ensure that we design a credit repair campaign that is specific to the situation of each client.

Begin Your Journey To A Healthy Financial Future, Today

According to a 2024 study by the New York Federal Reserve, the number of Americans who were rejected for credit products has increased over time, and lower credit scores are to blame. Any qualifying consumers harmed by CreditRepair.com, Lexington Law and their parent companies between July 21, 2011, and August 30, 2023. Victims have been identified through records turned over by the credit repair companies. You do not need to take any action at this time to receive a refund check. Avoid the high initial costs often charged by traditional credit repair services. From day one, our credit specialists work with you to review your reports, plan your strategy, and handle disputes from start to finish.

Vance Dotson has the most unique business I’ve ever heard of in credit repair. He’s not an attorney, yet he makes millions suing debt collectors, banks,… Before engaging in credit repair, we provide free consultation on your credit situation. Upon getting started with us, we design a full-proof strategy for the success of your credit repair campaign.

You can compare secured credit cards like the Quicksilver Secured Rewards or Platinum Secured cards to see if one might fit your needs. A person’s credit history comes from their credit activities, both positive and negative. But the good news is that the effects of negative information may lessen over time. You already have the tools and the legal rights to do it yourself. If you decide to get help, be careful—credit repair scams are common. Some companies promise fast results, but end up taking your money and doing nothing.

By law, credit repair companies are required to accept payment only after services have been provided. Any credit repair companies that charge a substantial fee upfront are likely scams. The Federal Trade Commission (FTC) says these companies will accept your payment but never lower or settle the customer’s debts in any way. Credit repair companies are third-party entities that claim to improve your credit score by working with the credit bureaus to remove inconsistencies from your account, usually for a fee.