ross lapietra credit saint ceo

A Conversation With Credit Saint CEO, Ross LaPietra

Your credit score may determine whether you can take out a loan, buy insurance, rent an apartment, or even land a job. If your credit score takes a dive, you’re going to feel the pain.

Fortunately, credit repair companies may be able to help you remedy this situation. In many cases, people’s credit scores are depressed by inaccurate and outdated information.

In those situations, credit repair companies can become important allies of consumers by helping to ensure that credit histories are accurate.

Leadership In The Credit Repair Industry

ross lapietra credit saint ceoOne of these companies is Credit Saint LLC, founded in 2007 by industry leader Ross LaPietra.

Credit Saint broke new ground in credit repair by offering the first full-refund policy.

If a client sees no negative items removed from their credit report in 90 days, all fees are refunded in full.

In the intervening years, similar policies have been adopted by other companies.

Recent challenges to Credit Saint’s ability to reach out to its prospective customers have not diminished Mr. LaPietra’s determination to operate as a “consumer-centric” company dedicated to helping people repair their credit histories.

We spoke to him to get a deeper understanding of the vital role credit repair plays in the lives of consumers weighed down by bad credit.

Some questions and answers have been edited for brevity and clarity.

Why do people, in your experience, seek out credit repair companies such as yours?

People who have inaccuracies in their credit history are our target audience. There is a strong amount of Americans going through this and as a result, they’re paying too much interest or paying more than they should for credit.

If you try and contact a creditor and tell them about a mistake on your credit report, no one wants to take responsibility or make the changes that would correct things. They make you jump through a bunch of hoops and then people feel defeated by creditors who won’t update their credit history.

How do negative items on a credit report affect a person’s score?

The value of negative items in credit history is based on how recent they are. So, there’s a number of different types of items and different ways they can damage someone’s credit history.

How does having a bad credit history affect people’s lives on a day-to-day basis?

Creditors try to use your credit score to predict your ability to pay in the future. A poor credit score will make it so you’re paying fines that you wouldn’t have to pay if you had a good credit score, or even a passable credit score.

If you have something in your credit history that’s damaging to your report, it affects your ability to gain credit in certain situations that can be dire.

If you have a child that’s in school and you have a mistake in your history that stops you from providing for them, what happens to that child’s future?

What if you have to get a new car and there’s damage in your report that’s stopping you from [doing that]? There’s a domino effect of other things that go wrong in their lives for something that’s not even their fault in the first place. Your credit report affects more than your finances.

I could name a thousand examples. There’s refinancing your mortgage, there’s security clearance, there’s getting a job, getting insurance… credit is everywhere now.

And most importantly, it affects your level of actual income. Say you’re making $50,000 a year but you’re overpaying for a car or a house, it reduces your overall income. It reduces your ability to take care of your family and countless other things.

In the end, [credit is] the core of so many decisions that are made in the financial world.

Credit Saint was founded in 2007. What prompted you to start this company that helps so many people?

I saw another company doing it back then with no intention of helping anyone.

And with an actual refund policy and an A+ rating from the Better Business Bureau, we came in and with a plan to offer services that would actually see changes happen to people.

You mentioned the refund policy, which is very popular from what I gather. Why did you implement such a policy? Was there a particular catalyst?

I wanted our clients to feel they were covered in the event that we failed. I think people feel more comfortable if they have recourse in case nothing changes in their history.

So, at the time no other credit repair company offered a refund policy. It took years for people to start copying us. Only after we had taken over the lion’s share of the Google market, did people see us as a possible risk and start to copy our refund policy. You definitely have to put your money where your mouth is in an industry like this.

What’s the first thing that happens when someone comes to you needing help with bad credit?

The first step is to look at their credit history and see if they actually do need our help. We want to make sure that they have a reason to argue an item and not just blindly challenge things.

Let’s say you find there are some things on a given customer’s credit report that legitimately could and should be challenged. What do you do?

We build an argument based on the client’s own words. So we ask them to tell us specifically why they want to dispute an item; we won’t make up challenges. And then we take that argument, that truthful argument, wrap it in the Fair Credit Reporting Act and give it to the credit bureaus.

The credit bureaus are trying to make sure that they’re giving the best possible information in credit reports. Their goal is to have reports without errors, and we’re trying to make our argument be one that hits home as being something that’s not frivolous and is based on the truth with integrity. Hopefully, they see it our way. We win a lot of times, but sometimes we don’t win.

Is that done via paper letter or web form? How does that work?

The most aggressive challenges are done on paper.

But why are consumers paying you to make that happen? Is that not something they could do themselves?

Sure. They can challenge things online by themselves. They can challenge things on paper by themselves.

The only difference is that we will write legally charged letters and we have systems in place that are [in tune with] the response times that are required by the Fair Credit Reporting Act.

So as soon as the time periods in the investigations have lapsed, we’re back on top of the credit bureaus with a new challenge, rather than getting sidetracked with life, which is what happens to normal people.

Credit bureaus will do their investigation and we will stay on top of them. Our people have been doing this for 14 years. We’re the kind of company that’s watching every minute. You have to keep the pressure on. There is no magic wand here.

How would you describe your ideal customer?

People who are looking for us are the ones who are educating themselves about credit repair itself. Our client base is one that’s comparison shopping.

So they’re looking and they’re not going with the first thing they see — they’re comparing. Whenever someone opens the door to comparison shopping, Credit Saint is always number one.

You’re banking, essentially, on your expertise. Because even though I can do the same tasks, I’d be better off trusting them to a company with experts on the subject. Correct?

Anybody can teach themselves how to do this. It’s not rocket science to challenge your credit history, but perhaps your time is better spent doing something else.

So, let’s say our program costs $79 a month. If the time that you put into this and the distraction that it’ll take to stay on top of it is worth more than $79, then we’re the right program for you.

You’ve described the service you provide as a superior product. How did you come to develop it? Was there some reverse engineering involved on your part?

In 2007, in order to offer something different, I looked at what the leader in the industry was doing. Since then, we’ve developed a challenge system that is the most aggressive in the industry and has the best results. That’s why we offer a refund policy. And other companies that don’t do the same level of work per dollar, they can’t match us

We’re consumer-centric from the ground up. It’s expensive for us to do it our way and it takes a lot of humans versus the computer system, in order to catch the nuance in the full report and build the best possible argument.

Learn More About Credit Saint

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Best Credit Repair Companies

Do you need to resuscitate your credit? Doing it yourself will require a lot of time, patience, and determination.

You’ll find yourself on the phone with creditors at work, after work, on the weekends, and maybe even in your sleep.

It’s no wonder people pay credit repair companies hundreds of dollars for a shortcut.

But not all companies are created equally. Credit repair companies use different price structures and employ unique repair strategies.

So before signing on with a company, let’s do some homework.

10 Best Credit Repair Companies

Here are the top 10 credit repair companies you can use today:

  1. Credit Saint: Best for Overall Results
  2. Lexington Law: Best for Decades of Experience
  3. Sky Blue: Best for Customer Service
  4. Best for Simplicity
  5. Ovation Credit Repair: Best for Personalized Service
  6. The Credit People: Best for Low-Cost Credit Repair
  7. Pyramid Credit Repair: Best for Married Couples
  8. Best for Strong Reputation
  9. The Credit Pros: Best for Financial Tools
  10. Pinnacle Credit Repair: Best for Fast-Tracked Credit Repair

Credit Saint

credit saint credit repair company logo

Best For: Overall Results

With an A+ from the BBB and consistently high customer reviews, Credit Saint should be on your radar as well.

The New Jersey-based company comes with monthly packages ranging from $79 to $119.99 and “first work fees” between $99 and $195.

Credit Saint’s programs are the most aggressive in the industry.

If you don’t see any improvements in the first 90 days, you get a full refund.

Credit Saint offers users a personal advisory team dedicated to their case, informative online resources, and a timeline and progress report to help you track the company’s work on your credit.

You’ll also get regular calls from your team to keep you in the loop and on track for success.

Learn More: Read our full Credit Saint Review.

Get Started With Credit Saint Now!

Lexington Law

lexington law credit repair company logo

Best For: Decades of Experience

It’s not a household name outside the consumer credit world, but Lexington Law has been a leader in the industry for nearly three decades.

It’s tough having the same conversations over and over with different people, especially about sensitive things like your past financial mistakes. With your own personalized rep, you can save time and focus more on the little things that can make a big difference.

Typically, you can make appointments with your rep beyond normal business hours, which can be helpful if you’re trying to avoid awkward conversations on your at-work phone line.

Lexington Law won’t offer the lowest prices with a base price of around $90 a month as of this writing. And the company doesn’t always get unanimous praise in customer reviews; it has a C rating with the Better Business Bureau.

The basic plan should be enough for most customers. You can pay for more support, including cease and desist letters and personal finance tools, but these services are available elsewhere for free.

All in all, most customers find Lexington Law’s staff to be knowledgeable and helpful partners as they seek to rebuild their poor credit.

Learn More: Read our full Lexington Law Review.

Get Started With Lexington Law Now!

Sky Blue

sky blue credit repair company logo

Best For: Customer Service

Very few companies will let you know if you don’t really need their help. Sky Blue has been an exception to this rule. This firm’s customer care staff offers free consultations that really have no strings attached.

Sky Blue will also coach you on the little things you could be doing to keep your credit score in better shape. Sky Blue’s suggestions tend to be well-balanced and tailored specifically to your situation, unlike some companies that simply send out blanket suggestions.

When you’re paying Sky Blue’s price of about $80 a month, you’ll appreciate the agency’s speed, too. The company gets to work within 48 hours and typically turns out at least five disputes per cycle (each cycle is 35 days) on your behalf.

Learn More: Read our full Sky Blue Credit Repair Review.

Get Started with Sky Blue Now! company logo

Best For: Simplicity

You won’t find a simpler and more straightforward name for a credit repair website than

Ironically, the company’s services follow the same no-nonsense logic as they seek to guide you out of credit purgatory. has boiled its process down to three steps:

  1. Check: The company’s reps will look over your credit reports from the three bureaus — Experian, Equifax, and TransUnion — to find inaccurate information or derogatory marks that could be in dispute.
  2. Challenge: The company will send letters challenging disputable negative information in your reports.
  3. Change: will follow up to make sure your reports get changed and repeat the “Challenge” step if necessary.

As you can tell, a service this simple works best when you have a simple case of inaccurate information in your credit history. can be relentless as it seeks to resolve erroneous data.

And you can follow the company’s progress in your account online. The company tends to boast about concrete success rates, but the language is just soft enough to stop short of a guarantee.

For example, the company might say customers average a 30-point increase in their credit scores after four months. Before signing up, keep in mind you aren’t being guaranteed these results. costs about $100 a month as of this writing.

Learn More: Read our full Review.

Get Started With Now!

Ovation Credit

Ovation Logo

Best for: Personalized Service

Ovation Credit by Lending Tree is a BBB Accredited Business holding an impressive A+ rating.

They build a personal connection with their clients, and the company customizes its strategies based on individual needs.

Ovation Credit makes this list in part because of its same-day service option. Most industry leaders need at least two days to get your case up and running.

Customers usually need to pay about $89  to set up their account, which is the lowest initial work fee in the industry. Depending on the plan the customer chooses, the ongoing monthly payment could range from $79 to $109 per month.

Ovation customers are given full transparency in their personal online portals. They have access to all disputes that the company is actively working on and the results of every completed dispute.

One downside to Ovation is that they do have somewhat limited weekend hours. They are currently open 10-4 pm ET on Saturday and closed on Sunday.

Though, the company’s positive reviews on the Better Business Bureau leave a good impression.

Learn More: Read our full Ovation Credit Repair Services Review.

Get Started with Ovation Credit Repair

The Credit People

the credit people company logo


Best For: Low-cost Credit Repair

Someone looking for a solid option at a lower price might like The Credit People, another newer provider in the market. Someone who wants to try out a service without making a big commitment will really like The Credit People.

For $19 you can try the service for seven days to see whether you’d like to stick with it (though you shouldn’t expect to fix your bad credit within a week).

If you do stay on board, The Credit People offers a money-back guarantee that you’ll see at least some positive results within 60 days.

You probably won’t reach your target score within 60 days, but The Credit People thinks you’ll like the way things are going enough to stick around.

The Credit People offers other price point innovations such as a flat rate of about $420 to access all of its services indefinitely rather than paying monthly payments.

Usually, you need about six months with a company to optimize results. Assuming you need help for six months, the $420 flat rate would amount to $70 a month, which is less than most of The Credit People’s reputable competitors.

If you’d prefer a monthly payment, The Credit People charges $79 a month. (Unfortunately, you can’t opt for the flat rate if you start with the seven-day trial for $19.)

The Credit People offers customer care only during business hours (in the Central time zone). While it does solid work, the company doesn’t offer a lot of the bells and whistles such as identity theft protection that its competitors offer.

Learn More: Read our full The Credit People Review.

Get Started With The Credit People Now!


pyramid credit repair company logo

Best For: Married Couples

Pyramid Credit Repair is another service vowing to put in the work to improve your credit history. Once you sign up, the company gives your case to a live, personal account manager who you can access via phone, text, or email.

This account manager will write customized dispute letters to the credit bureaus and your creditors, updating you along the way.

You’ll also get access to the online dashboard, where you’ll find resources and real-time updates on your credit progress.

Pyramid Credit Repair comes with two services: Singles and Couples. Both come with a free assessment, after which you can opt for coverage at $99 a month for singles and $198 a month for couples.

If you enroll in the couple’s plan, you could get 50 percent off of your first month of service. Both plans come with a 100 percent money-back guarantee, pay-as-you-go services, and credit reports from all three bureaus.

Learn More: Read our full Pyramid Credit Repair Review.

Get Started With Pyramid Credit Repair!

CreditFirm Review

Best For: A Strong Reputation could give your credit report the best bang for your buck if you’re looking for a less expensive service.

The company offers one flat, pay-as-you-go package at $49.99 a month.

That monthly fee gives you access to a thorough audit of your credit report by legal experts and limitless credit bureau and inquiry challenges. also provides defense against collection agencies.

The company touts an A+ rating from the Better Business Bureau, boosting its credibility in the industry. is also known for its speed, reviewing clients’ documents within five days on average.

Learn More: Read our full Review.

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The Credit Pros

The Credit Pros Credit Repair Company Logo

Best For: Comprehensive Financial Tools

The Credit Pros provides you with one-one access to a certified FICO professional who works with you to create an action plan to repair your bad credit.

In addition to the standard features most of these companies offer, the Credit Pros can provide identity theft restoration and write cease and desist letters to your creditors, as well as goodwill letters and debt validation letters to your creditors.

The company appeals to applicants with a 90-second registration process, which you can walk through on its user-friendly site. Their blog is full of resources on improving and maintaining good credit.

You can also access your client portal there, with live updates on your credit and changes to your case.

The Credit Pros’ basic package, CreditSentry Monitoring, costs $19 a month. For the most comprehensive services, consider the MoneyManagement package at $69 a month, the Prosperity Package at $119 a month, or the Success Package at $149 a month.

Each of these packages comes with a unique set of benefits, like budgeting tools, payment reminders, prescription discounts, and store lines of credit.

Learn More: Read our full The Credit Pros Review.

Get Started With The Credit Pros

Pinnacle Credit Repair Management

pinnacle credit repair company logo

Best For: Fast-Tracking the Credit Repair Process

This BBB accredited business, highly reviewed on TrustPilot, promises faster results thanks to its use of artificial intelligence.

Pinnacle Credit Management also partners with top private lenders to get you approved for a personal loan to consolidate debt.

When you sign up for Pinnacle’s services, you get a credit mentor who will coach you through the process of improving your credit.

You also get access to a blog and a series of educational videos to teach you how to manage your credit successfully.

Pinnacle offers a free credit consultation, after which you can choose between the Standard and Fast Track Program.

The Standard Program costs $99 with a first-time work fee of $199. The Fast Track Program costs between $1,500 and $2,500.

The Fast Track Program is expensive, but it gets an average of 80 percent of the negative items removed from your credit profile in the first two weeks.

Learn More: Read our full Pinnacle Credit Management Review.

(all product costs are current as of 1/4/21)

Companies That Didn’t Make Our Top List

  • The Credit Coaches
  • National Credit Care
  • The Credit Assistance Network

DIY or Fee-based Credit Repair?

When you want to repair your poor credit profile, here’s the first question to ask yourself: Do you need help from a pro, OR do you feel that you can DIY your credit repair?

Because of modern consumer protection laws such as the Fair Credit Reporting Act — and because we live in the smartphone era — you can do your own credit monitoring quickly and easily.

credit repair

With an app like Credit Sesame, for example, you can see your up-to-date credit score anytime for free. You can also see the components of your score so you can better notice inaccuracies.

If you see an inaccurate 90-days-late note on your student loan, for example, you can call your lender to get the situation squared away, then follow up with the credit bureaus to make sure the negative information gets removed from your record.

In short, your score need not be a mystery, and you don’t have to hire a professional to fix a problem.

Learn More: What Exactly is Credit Repair & How it Works

Why You Should Work With a Credit Repair Company

But when you have a job, a family, and other responsibilities, it can be challenging to repair your own poor credit.

You may not have the time to spend on the phone, leaving voicemails for credit managers and following up with all three credit bureaus.

You may find it worthwhile to pay $50 to $150 a month for someone else to do all this legwork, especially if you have several credit issues to resolve.

If you have a complex situation and your score is in desperate need of help, a good credit repair company could be just what you need.

How Do Credit Repair Companies Work?

Like any other professional service, credit repair is a specialization.

Sure, you could probably figure out how to install a toilet or how to fix the frayed power cord on your vacuum.

But you could also save a lot of time by hiring a professional to get the job done quickly and efficiently.

You may even save money if you do something wrong and have to hire professional help to fix the mess anyway.

Experts Can Help

Fixing your credit profile works the same way. Legal experts at credit repair companies spend all day every day negotiating with creditors and seeking resolutions to mistakes.

They know what to ask for and how to make sure your credit files and payment histories get updated. They don’t get distracted by their careers, their kids, their pets, or their sinks full of dishes the way we can.

These little distractions can keep us from following up with a creditor and making sure they fixed an error. Left uncorrected, these errors seem to multiply. The damage they do can cost a fortune in higher interest rates on a future personal loan.

They can also make us ineligible for borrowing when we most need it, like in an emergency or to execute a well-timed purchase.

Sometimes, we just need to call in the pros.

What Do Credit Repair Companies Do?

A company should start its work by determining exactly where to start helping you.

Doing this typically requires a copy of a credit report from each credit bureau — TransUnion, Experian, and Equifax.

The company should identify the problems causing the most damage to your score. Typical problems arise from:

  • Bankruptcies: Declaring bankruptcy can resolve short-term problems while also creating long-term credit issues.
  • Tax liens: Whether local, state, or federal, a tax lien from the government can put a huge dent in your credit profile for the foreseeable future.
  • Charge-offs: If a creditor has given up on collecting a debt from you and charged-off the debt, you can expect credit trouble for years without intervention.

The existence of these and other derogatory marks in your history doesn’t necessarily mean you’ve experienced these problems.

Sometimes simple reporting errors can turn into charge-offs. Other times a tax lien may have been resolved in reality but not reported as resolved to one of the three credit reporting agencies.

Fast & Simple Credit Solutions

The company you choose should seek the quickest and easiest solutions to these problems.

If some of your problems result from a reporting error, expect your company to make quick progress by starting there.

Sometimes you can even improve your bad credit by applying for more credit, and your repair company may recommend this strategy.

But this approach can cause future problems if you actually use the newly available credit, so you have to exercise restraint.

Regardless of which strategy your company suggests, make sure you’re monitoring the company’s progress, and make sure you understand what’s going on by asking questions.

Tips for Working With The Pros

In many ways, our credit scores reflect our financial identity. With a low score, you’ll struggle to buy a house or a car. You may even have to pay higher car insurance rates.

Trying to fix something as important as your credit score can leave you vulnerable to companies making grand promises they can’t keep.

By hiring a company, you will not have to give up your own legal rights. Ask to see a written contract before signing up if you’re not sure about your role and your company’s role in your consumer credit life.

The Credit Repair Organizations Act of 1996 requires these companies to communicate honestly with you, the consumer.

How to Spot a Credit Repair Scam

Nefarious companies, by definition, won’t follow the law. They exist simply to convince consumers to hand over their credit card and Social Security numbers with no intention of ever helping.

It’s easy enough to spot these outright scams and to choose a legitimate credit repair company. Just look for tell-tale signs like:

  • Poorly Designed Websites: You may also notice unsecured servers (http:// instead of https:// in the URL).
  • Strange Email Addresses: Email domain names that don’t match the website’s domain name or personal addresses like @hotmail, @yahoo, or @gmail should raise flags.
  • Bad Third-party Reviews: Always check Better Business Bureau or TrustPilot for reviews, or just do a Google search if you’re suspicious of a company.
  • Up-front Payments: Though it’s not always a scam, a site asking for payment before doing any work should make you suspicious.
  • No phone number: Even if you’d never call because you prefer to email, a company without a real phone number is often not a real company. If you’re not sure, call the number to see what happens.

Is The Credit Repair Company Legit?

It’s more difficult to detect a genuine credit repair company that simply can’t deliver on its promises. Be wary of firms that:

  • Guarantee Specific Results: A money-back guarantee is one thing, but if a company says it can raise your score by 100 points or deliver overnight results, be wary.
  • Prohibit Contact: If a company asks (or demands) that you don’t contact credit reporting bureaus or creditors yourself, stay away. You should always have the freedom to intercede on your own behalf.
  • Rely Heavily on New Credit: While opening more accounts can improve your credit score, you’ll also take a hit on the inquiries which result from your applications. Over-relying on this tactic can backfire.
  • Sell You Cards: A company that immediately suggests you open specific credit cards may be more interested in making commissions off your account than repairing your credit.
  • Boast Inside Knowledge: Yes, these companies specialize in repairing your credit, but they should do so by offering persistence and efficiency, not secrets no one else knows. A company with a secret formula may not be for real.

If you come across a company you’re wary of, you can report it here to help prevent future consumers from falling for the act. You could also complain to the Federal Trade Commission on the FTC’s site.

The top companies listed above come with solid reputations and reviews.

Combine DIY and Fee-Based Approaches

Federal law guarantees you at least one free copy of your credit report from each of the leading three credit bureaus each year. If you’d like to see what you’re working with before committing to $100 or so a month, you can request your reports here or by visiting

The best approach may be a mixture of a DIY credit upgrade and finding professional help. You can get started with your own assessment of your credit picture then bring in help from one of the leading agencies from the list above.

Since you are more of a participant in the process, and you’ll be the expert on your own credit situation before talking with customer service reps from the repair agency of your choice.

Then, as you track the progress your company is making, you’ll be a full partner in the process. Even if you can’t check in every day, you can track the trends in your score by checking in once a week or once every couple of weeks.

This approach can also get you into the habit of monitoring your score on a regular basis so you can detect errors quickly in the future. Credit repair takes persistence and time whether you do it alone or hire a pro.

Know What Credit Repair Companies Can & Can’t Do

Many people think professional help can undo whatever damage you’ve done in your consumer credit history. This isn’t true.

You should help yourself by doing what you can to improve your score (or you can at least stop making things worse). Be sure you’re:

  • Paying Bills on Time: We all get a little behind sometimes but don’t let any bill get beyond 15 days late. Shoot for paying your monthly bills early.
  • Limiting Inquiries: The more loans you try to open — even if you’re just co-signing for an adult child or a friend — the more trauma your score will experience.
  • Acknowledging Past Mistakes: Ignoring old mistakes even when you can’t afford to pay off the debts will serve as dead weight on your credit report and complicate efforts to restore your score.
  • Avoiding Over-activity: It’s human nature to close pesky accounts once they’re paid off. But part of your credit score is derived from available credit, meaning you can benefit by keeping a few paid-off accounts open.

While these professional companies excel at disputing problems on your score, they shouldn’t — and the best services won’t — dispute aspects of your score which are absolutely true, such as a recent string of 30- or 60-day late payments.

However, if years-old credit issues still haunt your report, your agency may be able to help persuade the credit bureaus to pay more attention to your recent successes and scratch old problems off your list sooner.

Alternatives to Credit Repair Companies

Although a good credit score can save you hundreds — and even thousands — of dollars in interest charges, some people simply don’t like the idea of partnering with a for-profit company and paying $75 or $125 a month.

The same people may not have time for an all-out DIY credit CPR project. They want an in-between option.

Credit Repair Software

Credit repair software offers just such an in-between solution. You can spend about $400 to $600 on software, and the program you choose may promise results.

What software actually delivers is a set of tools to help you launch your DIY credit repairing project. You’ll get templates for letters to creditors and the bureaus. You’ll get contact information for TransUnion, Equifax, and Experian. You’ll get suggestions for how often to follow up.

What won’t you get? Any of the legwork that actually saves you time. I’ve said it before: I’d rather pay someone to do the legwork than pay someone to tell me how to do it.

Credit Counseling

You’ve probably heard radio ads for credit counselors who can help you find the light at the end of the tunnel.

You can find some quality help for free from non-profit credit counseling organizations, but you can also fall into a scam or even a den of identity thieves if you aren’t careful.

Be sure you’re working with an organization accredited by the National Foundation for Credit Counseling.

A good credit counselor should review your free credit reports with you and then come up with a plan. But don’t expect the same level of care you can find from a paid credit repair service.

If a non-profit credit counseling agency pressures you into providing personal financial data, don’t be afraid to take a step back.

Debt Consolidation

You may be able to save money each month by consolidating some of your high-interest debt into a lower-interest loan.

Don’t confuse these programs with credit repair services. Eventually, consolidating your debt should lead to a better credit score, but the main goal is to better manage your debt.

In fact, you could see a credit score drop if you close several accounts at once.

Debt Settlements

I read a lot of financial blogs and often see advice about negotiating with debt collectors.

While you can talk a credit manager into deleting some late fees or rolling back some punitive interest rate increases, these settlements may end up hurting your credit score.

Make sure your credit card company isn’t reporting your negotiated debt as a charge-off to the credit bureaus, especially if you’re spending a lot of money paying off a lump-sum debt settlement.

Get the settlement — and its implications on your credit score — in writing before paying it off.


With a rundown of what the best credit repair companies have to offer, here’s a look at some common questions surrounding credit repair.

How Long Does it Take to Fix Your Credit?

Your credit score can literally be impacted overnight; one late payment could drop your score up to 100 points. On the other hand, you can spend months working on your score before seeing improvements. Maintaining a high credit score can be very delicate.

Expect to wait for at least 45-days for your company to be able to make even one change. Waiting two to three months isn’t unusual. For more complicated problems, your company may need six months to a year to make progress.

Even when you’re hiring professional help, it’s important to understand credit repair takes a while. Even when your score is back where you need it to be, you’ll want to keep a regular watch to detect reporting errors before they cause more damage.

How Much Will You Pay To Fix Bad Credit?

Different repair companies charge different rates, as you can see above.

On average, you should expect to pay in the neighborhood of $75 to $150 a month to get a quality company on your case.

Some companies charge a flat rate while others employ a results-based approach in which you’d pay for each derogatory remark that’s removed from your record.

Your specific needs should guide you here. If you have a dozen or so small problems to resolve, a flat rate could save you money. If you’re concerned about just a couple issues, you may prefer a company with a results-based pricing plan.

Though credit problems are common, your exact mix of credit problems is unique to you. Give your company time to find the right solutions to your problems.

Do Repair Companies Guarantee Results?

We all like guarantees, especially with something as important as repairing poor credit. But credit reporting — though it has grown more transparent — still involves nuance. Guaranteeing 100 percent satisfaction simply isn’t possible.

That being said, you should be able to find a company to guarantee at least some improvement. Some even offer a money-back guarantee if they can’t steer your score in the right direction.

This may be as close as you can get to an actual guarantee of results from a repair company, credit software, or even a do-it-yourself approach.

In fact, if you see a company guaranteeing specific results such as a 100-point swing in your credit score, you may have found a bonafide scam, which we’ll get into next.

With Credit Repair, You Get What You Pay For

When your credit score needs new life and you don’t have the time to handle it yourself, you can find help from a quality repair company.

By repairing your credit, you’ll be positioning yourself to get better loan terms on big purchases in the future. Invest in credit repair now to create savings for decades.

If you can fix your credit score without paying fees, you should do so. But if you need help, you shouldn’t hesitate to call one of the pros listed here.

Pinnacle Credit Repair Review

Not all of us are blessed to have excellent credit throughout our lives. Bad things happen to good people that are beyond their financial control.

When you get underwater with your credit rating, it’s nice to know credit repair services could help you repair it.

Pinnacle Credit Repair, also known as Pinnacle Credit Management and, uses artificial intelligence to fix your credit rating quickly.

Depending on what’s causing your bad credit, this service could improve your credit score dramatically within months.

Table of Contents:

  • What is Pinnacle?
  • Pinnacle Management Services
  • Costs
  • Safety
  • Pros & Cons

What is Pinnacle Credit Repair |

Pinnacle Credit Repair is a credit repair company that takes a different approach to the credit repair process.

Pinnacle uses its proprietary software program to identify and delete negative items from your credit report with all three credit bureaus.

These sorts of deletions can increase your credit score quickly — assuming the negative items are the source of your bad credit.

Pinnacle Credit Management advertises a lower upfront cost with no need for an ongoing monthly fee.

However, this claim can be misleading. Even though the upfront cost guarantees a month of work, your FICO score may not have improved enough by the end of the first months. In that case, you will be charged a monthly fee to keep the work going.

In fact, your subscription will continue automatically unless you cancel your account.

What does Pinnacle Credit Reapir Offer?

The basic operating idea behind Pinnacle Credit Repair involves using artificial intelligence to scour through your credit report rather than having staff members analyze your credit history.

Pinnacle’s proprietary computer system syncs with all three credit reporting agencies (Experian, Transunion, and Equifax) looking for specific irregularities or reporting errors in your credit files.

Then, it issues an immediate dispute against those irregularities.

This repair model really could generate results more quickly than the traditional credit repair process which requires mailing letters, waiting for responses, and mailing more letters.

In fact, your credit score could increase drastically within a month or two. In that case, you’d be a happy customer because you’d likely save money compared to one of the other best credit repair companies.

Limits of the Credit Repair Process

Before you sign up for or any other credit repair service, you should know what these companies can and can’t do.

No legitimate credit repair service can guarantee you’ll have good credit once you sign up. A company can guarantee that it will work hard on your behalf. It can guarantee you’ll be a priority. But if you see a company offering miracles, it’s probably a scam.

Pinnacle Credit Management states clearly that it doesn’t guarantee a good credit score. If you have legitimate negative items in your credit — late payments, charge-offs, bankruptcies, or repossessions, for example — Pinnacle can’t help you much.

But if your negative items come from inaccuracies and errors, Pinnacle and any other legitimate credit repair company can help.

Most consumers do have mistakes dragging down their credit scores. These mistakes either come from closed accounts reported improperly, or mistaken collections that were paid on time.

Pinnacle is set up well to clean out these kinds of inaccuracies. It is possible you could see a drastic increase in your score if Pinnacle gets these items deleted right away.

Bottom line: If you have bad credit because of bad decisions in your recent past, a credit repair program won’t be able to help very much.

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Contact an Expert Service Options

Pinnacle Credit Repair offers two different tiers of service:

Fast Track

Pinnacle’s Fast Track program is entirely automated. The software system interacts with all three credit bureaus on your behalf until you cancel your account.

No contract is required because this service is fully automated. Pinnacle estimates its Fast Track Program will need three to six months to complete.

With this service you pay $199 the first month, which includes a first-work fee, and then $99 a month until you cancel. We’ll get more into costs below.

Fast Track Elite

The Fast Track Elite program is a lot more expensive, but it offers a one-time, upfront payment rather than a subscription-based monthly fee.

And this service comes with 120-day money-back guarantee.

Pinnacle Credit Management states that, within the first 15 days, you’ll see an average of 80% of your disputed credit issues deleted.

The Fast Track Elite option also includes a credit mentor who can guide you through rehabilitating your credit.

A credit mentor is like a personal credit guru who has the inside track on many different loans and credit options, including auto loans and bank loans.

The price of this service may surprise you. It currently ranges from $1,500 to $2,500 depending on your case.

More about Cost: How Much Does Pinnacle Credit Repair Charge?

Where most companies offer their services on a subscription basis, Pinnacle Credit Repair states its fees come as a one-time payment.

This is not entirely true. Both the Fast Track and Fast Track Elite option have a singular upfront fee. However, you’ll likely need to keep paying a monthly payment of $99 a month if you want to get the most from the Fast Track option.

Fast Track Elite will never require an ongoing monthly fee, but it’s upfront fee is a lot higher than any other legitimate credit repair company’s charges.

Fast Track Pricing

The Standard program involves a single, one-time payment of $199, which begins the process of cleaning your credit and runs for one month.

This initial fee includes the first month’s work and the set-up fee which most companies call a first-work fee.

You can continue the process with an additional $99 per month afterward if you want to attempt rehabilitating your credit score.

Fast Track Elite Pricing

The Fast Track tier is so much more expensive but the sticker shock makes more sense when you stop to consider the benefits.

This service costs between $1,500 and $2,500 for the complete service, starting with an initial payment of $199.

The Fast Track tier offers a 120-day money back guarantee as well as a personal credit mentor who can directly connect you with lenders and educational materials to help you keep your credit clear.

Here’s some context which may make this exorbitant fee seem a little more reasonable.

If you use a traditional service like Lexington Law which may charge about $130 a month for an entire year, you’d be paying $1,300 — not too much less than Fast Track Elite’s lowest range.

Still, I wouldn’t want to commit to this price level unless I knew for certain Pinnacle could deliver a huge rise in my FICO score.

Unfortunately, credit repair just can’t offer this kind of promise.

Is Pinnacle Credit Repair Safe?

If you go by the reviews online, Pinnacle Credit Management is safe. It’s entirely forthright on its site about what can and can’t be done to improve your credit rating. It is not a scam.

And follows all the rules and regulations credit repair companies must follow by law.

Pinnacle Credit Management also states it notifies customers of their rights within the Credit Repair Organizations Act. This law explains that a credit repair company cannot guarantee precise results. It is obligated to inform customer results will vary.

Most of the independent reviews from customers online are positive, which gives the company an above-average score for reliability. And, independent reviewers such as Consumers Advocate and TrustPilot also rate the company quite high.

Pros and Cons of Pinnacle Credit Repair


  • Fast: Either the Fast Track or Fast Track Elite level of service offers a quick way to repair your credit score that’s hindered by inaccuracies. The Fast Track version anticipates results in 60 days. The Fast Track Elite level expects results within 15 days.
  • Personal Credit Mentor: The Fast Track Elite option gives you access to a personal credit mentor who works as a conduit connecting you to loan providers, banks, and credit card This mentor can help you get approved for a new loan while you’re still working on re-establishing your credit score.


  • Expensive: Pinnacle’s upfront, first-work fees are more expensive than most credit rehabilitation services. And the Fast Track Elite service is costly by industry standards, though it provides quick service with a personal touch. Pinnacle’s advertising of a ‘single upfront cost’ is also misleading. Both services have an upfront cost, with either a single remaining payment (Fast Track Elite) or monthly payments (Fast Track) until you cancel.
  • No Free Consultation: Many services let you talk with an expert, either via phone call or online chat, before you sign up. That way you’ll better know whether or not a credit repair service can help you. Pinnacle doesn’t.

Do-It-Yourself Credit Repair is Another Option

If you need credit repair but you’re not quite ready to commit to hiring a professional, you could try to do your own credit repair project.

Start by getting your free credit reports from all three credit bureaus at You’re entitled to a free credit report once a year from each bureau.

Read over these reports in search of inaccuracies that could be hurting your credit score. You should dispute inaccuracies.

For example, if you’ve paid off your student loan but it still shows a balance due, you’ll need to dispute this entry with the credit bureau that shows this mistake.

By law, credit bureaus have to investigate legitimate disputes of negative items.

If you have accurately reported negative items pulling down your score, you can’t dispute these negative items, but you can negotiate with your creditors for goodwill adjustments.

Or, if you still owe past-due balances, you could agree to pay off your balance in exchange for the creditor removing its negative information.

I have posted throughout this blog about these processes, and I invite you to use the search box or the menu above to find exactly what you need.

With enough time and patience, you can rehabilitate your own credit score. But it won’t be easy. Within a few months, you’ll know the phone numbers of all three credit bureaus by heart.

That’s why so many people — if they can afford the fees — opt for professional credit repair companies like Pinnacle.

After all, the money you save in interest charges on credit cards, mortgages, and personal loans can far exceed the fees of a credit repair company.

Credit Monitoring Prevents Credit Repair

Credit monitoring is another must when you’re working to build and maintain good credit.

Keeping an eye on your credit score every month means you’ll notice big changes before you apply for borrowing.

Credit Karma — which syncs well with Pinnacle — and Credit Sesame offer free credit monitoring services that can send you text alerts when someone tries to apply for credit in your name.

This kind of service can prevent the inaccuracies from destroying your credit score because you’ll know about them before they can hurt you as much.

You’ll be less likely to need a credit repair company like

credit saint logo

Credit Saint Review

You could repair your credit score by yourself. This is possible. But hiring a professional credit repair company will save time, headache, and possibly even money because a company could fix your bad credit a lot faster.

Credit Saint is one of the best credit repair companies in the United States, whether you need a credit polish or a complete credit restoration.

This review should help you decide whether to fix your credit with Credit Saint, with another credit repair company, or with your own DIY approach.

Table of Contents:

  • Credit Saint History
  • Features of Credit Saint
  • How It Works
  • Credit Saint Plan Options
  • Pros & Cons

Credit Saint Company Review

credit saint logo

Credit Saint opened in 2004 to help Americans fix their shaky credit histories. This company is highly regarded in the industry with many reviews ranking it No 1.

Credit Saint has maintained an A+ rating from the Better Business Bureau since 2007. This is no easy feat considering the frustrations of bad credit and credit repair projects.

Some of this customer satisfaction can be attributed to Credit Saint’s transparency and its 90-day money back guarantee which we’ll talk about next.

Learn More about Credit Saint

Standout Features of Credit Saint

As a market leader, Credit Saint offers efficient credit repair services with some outstanding features such as:

A 90-Day Money-Back Guarantee

Most if not all of the companies in the credit repair sector offer a money-back guarantee of some sort, but only Credit Saint offers a full refund for up to 90 days.

You can get all your money back if Credit Saint hasn’t succeeded in getting some of the derogatory marks removed from your credit history within 90 days.

You won’t have to argue with customer service reps to claim your full refund. Credit Saint offers this program because it expects to produce results within 90 days — and because the company won’t accept you as a client unless it knows it can help you.

You should be aware this isn’t a simple “customer satisfaction” refund. Credit Saint will issue a full refund only if your credit history has not improved within 90 days of signing up. If you’re unhappy for some other reason, or if you just regret signing up, you won’t be eligible for a refund.

You can also disqualify yourself for this refund by missing payments or making your credit worse after signing up for Credit Saint.

You can, of course, cancel anytime and for any reason without paying additional fees.

A Lower Monthly Fee For Some

You’d spend at least $100 a month for most credit repair services.

Credit Saint has a lower-priced, $79.99-a-month plan designed for people who need less help repairing their credit. If you have just a couple negative items on your report, for example, you could choose this lower-priced plan which is called Credit Polish.

Credit Saint also charges a one-time “first work” fee of $99 when you sign up for the Credit Polish plan. The monthly fee is lower, but you still would get excellent service from experts in the industry — along with the 90-day money-back guarantee.

If you need more aggressive help restoring your credit, you may need a more expensive plan such as the Credit Remodel ($99.99 + $99 one-time setup fee) or the Clean Slate plan ($119.99 + $195 one-time fee). These plans and prices are current as of 12/31/20. We’ll look more closely at the plans below.

How Does Credit Saint Credit Repair Work?

To get started with your credit repair process with the help of experts from Credit Saint, you will need to follow these simple steps.

1. Book a Free Consultation

Your free credit evaluation with Credit Saint’s financial advisors gives you — and your credit advisors — a starting point. During this consultation, experts will go through the negative items in your credit score one by one.

Your advisors will then run a credit analysis to find out how your negative items could best be removed. Based on the outcome of this analysis, Credit Saint will tailor a credit repair plan for you.

2. Identity Verification

Before getting started in earnest, you’d need to verify your identity via email. To do this, you will need to submit an emailed photo of your credit card to confirm you are the person who has asked for the credit repair services.

Successfully confirming your identity gives you access to your online account page.

3. Choose a Plan

Next it’s time to choose a monthly plan. Can you get by with Credit Saint’s lowest cost plan? Or do you need more aggressive therapy to fix your bad credit score?

Details from your credit consultation in step 1 can help you decide. Plans range from $79.99 to $119.99 a month, and each plan requires an up-front fee of either $99 or $195.

We will discuss these plans in the next section.

4. Removal of Negative Items

You’re officially a client using Credit Saint’s services by this step. You can sit back and let the experts work. Credit Saint will work with the credit bureaus to remove the negative, inaccurate items from your credit history. Over time, this process can improve your credit score.

Credit Saint works in 45-day cycles. So you’ll have to be patient during these intervals.

5. Release of a Credit Report

Once the first 45-day cycle is complete, the credit bureaus will release an updated credit report. Credit Saint will then use these results to post a progress report on your profile.

Then the next 45-day cycle begins, assuming you’d like to continue with the program. If you have good credit and want to cancel, you can. However, most clients need at least two cycles to see the results they need.

Credit Saint Plan Options

Credit Saint, in addition to its free credit consultation, offers three credit repair plans:

The Polish Plan

Cost: You’d pay a $99 first-work fee, charged within a week of signing up, and then a monthly fee of $79.99.

The Polish Plan offers:

  • Online access to Credit Saint’s resources
  • Debt validation
  • Phone support
  • Challenges to late payments
  • Identity theft repair
  • Challenges to account charge-offs
  • Challenges to collections agencies

You can cancel anytime or claim your full refund after 90 days (two 45-day cycles) if you don’t see negative items removed.

The Remodel Plan

Cost: $99 first-work fee and $99.99 a month.

The Remodel Plan offers:

  • Online access to Credit Saint’s resources
  • Debt validation
  • Phone support
  • Challenges to late payments
  • Identity theft repair
  • Challenges to account charge-offs
  • Challenges to collections agencies
  • Escalated information requests
  • Challenges to bankruptcies
  • Challenges to repossessions

The Clean Slate Plan

Cost: First-work fee of $195 and $119.99 a month.

The Clean Slate Plan offers:

  • Online access to Credit Saint’s resources
  • Debt validation
  • Phone support
  • Challenges to late payments
  • Identity theft repair
  • Challenges to account charge-offs
  • Challenges to collections agencies
  • Escalated information requests
  • Challenges to bankruptcies
  • Challenges to repossessions
  • Dispute Avalanche: A feature that attacks negative items simultaneously and speeds up the credit repair process.
  • Challenges to Judgments

Sign up With Credit Saint

Pros and Cons of Credit Saint


  • Money-Back Guarantee: Credit Saint’s 90-day money-back guarantee gives you some certainty that Credit Saint can help you. You can claim a full refund if no negative items were removed from your credit history after two 45-day cycles.
  • Highly Ranked: Credit Saint’s A+ BBB rating for 13 years in a row speaks to the company’s relationship with its customers. It’s especially difficult for a credit repair company to earn this rating consistently.
  • Flexible Cancellation: You can cancel your credit repair plan any time without incurring more fees than you’ve already paid.
  • Affordable Plans: Someone with a few negative items can choose the Polish plan, making a smaller ongoing financial commitment compared to the other industry leaders such as Lexington Law.
  • Excellent Service: Credit Saint’s advisors are helpful and friendly. You won’t meet them in person but you can email, call, or chat online. Even if you don’t reach out, an advisor will call you monthly with an update.


  • Not available in all states. If you reside in Georgia, Kansas, and South Carolina, you cannot access these credit repair services.
  • High first-work fees. Credit Saint’s first-work fees start at $99. By industry standards, this is a high setup fee. But Credit Saint costs less in the long run if you opt for the Polish plan.

Is Credit Saint For You?

If Credit Saint LLC analyzes your credit score during your initial consultation and agrees to take you on as a client, the company knows it can help repair your credit.

Within a few months, you could have the derogatory marks removed from your credit history and you could once again have access to lower interest rates, deposit-free utilities, and hassle-free borrowing when you need a new car or a personal loan.

Let’s say you choose the Remodel Plan. You’d pay about $400 over the first 90 days. If your TransUnion, Equifax, and Experian scores — and your FICO score — increased by 50 points as a result, you could save thousands of dollars in interest on your next loan.

These potential financial rewards speak for themselves. The A+ BBB rating and the 90-day money-back guarantee provide further proof of Credit Saint’s ability to help you. If Credit Saint agrees to help you, we’d recommend choosing this company.

The Credit People Review

Repairing your credit requires tenacity and patience. Credit repair services can lighten the load.

The Credit People is a leading credit repair company staffed with experts who can advocate for you — in exchange for a monthly fee or a flat-rate fee.

If your credit report has inaccurate, negative items but you don’t have time to stick with the credit repair process, you should consider hiring professional help.

Let’s take a closer look at The Credit People to see whether you should hire this company.

Table of Contents:

  • About
  • How it Works
  • Cost
  • Advantages
  • Disadvantages
  • FAQs

Who Are The Credit People?

The Credit People exists to help people repair and recover their credit scores. When you have good credit you can borrow money at lower interest rates.

A lot of people learn about their bad credit scores when they apply for a credit card or a mortgage loan and get denied or face a high-interest rate.

Sometimes, negative items within your credit file result from errors or miscommunications between your creditors and the major credit bureaus.

The Credit People will analyze your credit file to uncover any negative items that may be unfair or inaccurately reported. Then it will work with you to tackle these credit issues.

By contacting credit bureaus and creditors, The Credit People will do the credit repair legwork for you.

If you have several inaccurately reported negative items, removing them can bump up your credit score significantly — assuming your credit is otherwise pretty healthy.

Learn More about The Credit People Now!

How The Credit People Works

Credit repair services like The Credit People won’t do anything you couldn’t do yourself. But they can save you a lot of time and get faster results.

Here’s a breakdown of services The Credit People offers.

Disputing Questionable Charges

Building credit will take a few years, but repairing your credit may take only a few months.

This is especially true when you can get questionable negative items removed from your Experian, Equifax, and TransUnion credit reports.

The Credit People will focus a lot of effort into finding questionable entries within your credit reports.

Questionable charges could include charge-offs when you actually paid the bill, late payments logged after you used a debt consolidation loan to pay off the account, or the same negative items repeated two or more times for the same student loan.

Once you sign up for an account with The Credit People, your account manager will analyze your credit reports in search of these kinds of problems.

Removing Inaccuracies

Once your account manager has identified inaccuracies, The Credit People will get to work contacting the credit bureaus and your creditors if necessary.

This is where the real value of a credit repair company shines. Doing this work yourself could take a couple hours a day for several months — and that’s after you learned the ropes and sharpened your negotiation skills.

The Credit People already knows how to negotiate with the credit reporting agencies and with your existing creditors. Its staff will work relentlessly to remove all inaccuracies from your credit reports.

Deleting inaccuracies can improve your credit history almost immediately — by credit score standards that means within 60 to 75 days — depending on how many inaccurately reported negative items you have in your credit history.

The Credit People, on average, improves its customer’s credit ratings by 30% within 60 days.

Personalized Planning

Inaccurate or unfairly reported credit issues pull down your credit score, but there’s more to credit repair than fixing bad data.

The Credit People knows this. Along with the deletion of bad data, this credit repair company will offer you a personalized plan to gradually improve your credit history moving forward.

The Credit People will pull your files from the credit bureaus and load this data into an online account for easy access 24/7.

Once this initial phase is complete, you’ll hear from a credit repair analyst who will discuss your credit weaknesses and develop a strategy to improve and sustain better credit.

The Credit People does this analysis on a case-by-case basis using your unique information; you won’t get a stock email with boilerplate advice about avoiding late payments and keeping your balances paid down.

And this process comes with a satisfaction guarantee. The Credit People feel sure you’ll like the results you see within 60 days. If not, you can get your money back.

The Credit People Pricing

Credit repair help isn’t cheap. On average, you can expect to spend $400 to $500 over the course of several months.

One of my favorite things about The Credit People is its simple billing process.

Rather than a multi-tiered platform with add-on services — which has become standard in the credit repair industry — as of 1/4/21, The Credit People offers two pricing options:

  • Monthly Membership: This plan includes a 7-day trial in exchange for the $19 set-up fee. If you stick with it, you’ll be billed $79 per month. You can cancel at any time without owing more money.
  • Flat Rate Membership: With this program, you’ll pay $419 upfront for a six-month credit repair process. The money-back-guarantee applies after 60 days.

With either plan, you’ll get the same attention. The flat fee membership has the potential to save you money compared to the monthly plan — but only if you stay on the monthly plan for six months.

Learn More about The Credit People Now!

The Credit People Advantages

The Credit People have a lot going for it. Some of the main benefits include:

A 7-Day Trial

The 7-day trial lets you explore this platform without a huge financial commitment. You will have to pay the $19 initial set-up fee.

This trial will be useful if you have never tried a credit repair agency before.

During this first week, you’ll also see the state of your credit history. If you don’t have a large volume of negative items to dispute, you may decide to handle the deletion yourself.

Very Affordable

The flat-rate membership is among the most affordable options offered throughout the credit repair industry.

t’s a great deal considering the attention to detail you receive as a member.

Plus, the $19 set-up fee is a steal compared to other leading credit repair companies such as Sky Blue and Lexington Law which charge more than $70 for a set-up fee.

No Hidden Fees

The Credit People’s value includes simplicity. You won’t discover hidden fees or extra charges for additional features.

You pay the single price upfront or based on the monthly payment plan, and that’s that.

As you may know, federal law entitles you to one free credit report each year from all three credit reporting agencies.

Some of the best credit repair companies still charge an extortionate fee for this.

The Credit People is transparent about its fees and services.

60-Day Guarantee

The Credit People’s money-back guarantee has two advantages:

  • Peace of mind: You’ll know you can get your money back if the company doesn’t deliver any improvements to your credit score.
  • Expected Improvements: If The Credit People are willing to give your money back, it must have confidence it can help improve your credit score.

The Credit People Disadvantages

As with any credit repair company, there are some considerations to bear in mind.

No Personal Case Advisor

Most of the other best credit repair companies assign you a personal case advisor.

The Credit People deploys more of a group effort, and this can be a con.

You risk speaking to a different advisor with every phone call.

This alone can be a real deal-breaker for some customers, particularly when you’re in distressing circumstances.

Limited Customer Support

Many companies provide 24/7 access to customer support, but The Credit People work normal business hours: Monday to Friday, 9 am to 5 pm Eastern.

There is some support available outside these hours, but many customer reviews claim this is not the 24/7 service as promised.

No Educational Content

Many credit repair companies provide educational content on their sites.

The Credit People don’t offer much of this.

But you can find good credit repair resources elsewhere on the web so this wouldn’t be a deal-breaker for me.

Mixed Customer Reviews

The Better Business Bureau (BBB) gives The Credit People a C+ and it doesn’t accredit this company.

By its nature, the credit repair industry doesn’t earn the highest reviews because not all credit issues can be solved.

Even within this context of lower expectations, The Credit People scores about average.

The Credit People FAQs

How long does it take to remove negative items from a credit report?

Filing a dispute with the three credit bureaus is easy enough; however, the resulting investigation may not clear up the issue unless the negative item is obviously wrong.

If the inaccuracy requires some interpretation, you may need to get the lender involved as well. The Credit People and other credit repair companies can help with these more elaborate problems.

Should I apply for new credit while undergoing credit repair?

If possible, avoid applying for new credit cards or loans while in the middle of a credit repair project. If you have to apply for new credit, make sure you have the credit score to qualify.

Can The Credit People remove repossessions?

Unless the repossession on your auto loan has been reported inaccurately, The Credit People won’t be able to remove it from your credit history. None of the other best credit repair companies will either.

If the negative item is partially incorrect, it’s possible you and/or The Credit People could successfully dispute it and get it removed. (It’s also possible the lender or credit bureau would simply fix the error and retain the negative item.)

How long does credit repair take?

A simple credit repair project may take only a month. In this case, a pay-as-you-go billing plan makes more sense. For more elaborate projects which include all three credit bureaus and several different accounts, expect at least 60 days and more likely 90 or more.

The Credit People: Is It Right For You?

The Credit People has established a strong reputation in the credit repair industry in its two decades of work.

Despite some disadvantages, The Credit People offers a clear, professional credit repair service that you could use to improve your credit score.

Better credit increases your borrowing power and lowers your borrowing costs.

Disclaimer: No credit repair company can work miracles or break the law. If you have accurately reported negative items such as charge-offs, repossessions, foreclosures, or bankruptcies, you’ll likely be stuck with them until they age off your credit history.

Also, removing negative items will help your score only if you don’t experience new credit problems such as late payments on current loans last month. logo Review

It’s easy to understand a credit card bill accidentally left unpaid or perhaps, during the global pandemic COVID-19, the money just isn’t there. If that bill gets turned over to a collections agency, things can go downhill quickly.

This harms your chances of qualifying for low-interest rates on any future loans. Trying to fix bad credit history isn’t easy. The credit repair process can be extremely stressful.

If you start searching for credit repair services or credit reporting companies, you’ll find an overwhelming amount of options all promising to fix your credit situation, a lot of them scams.

Most credit repair organizations if not all promise amazing results in no time. Actually finding someone who fulfills their promises is a little harder, and this is where comes into play.

They offer a comprehensive, effective service at an affordable monthly fee, even a free consultation to get started.

Table of Contents:

  • About
  • How Works
  • What Can Be Removed by
  • Cost
  • Advantages
  • Disadvantages

Who Is logo is a site with a strong and established reputation as being among the best credit repair companies to pull positive results. They’ve earned glowing testimonials and positive customer reviews both their results and on their customer support. Trustpilot gave them 4.4. stars out of 5 but they are accredited by the BBB.

Details about the company’s origins are somewhat scarce, but we have been able to deduce that they were established in 2012, and are based in Seattle, Washington.

Their primary goal is to help through credit repair as well as credit counseling empower individual customers to overcome their credit issues, clean up their files, acquire debt solutions and improve their scores–finally achieving good credit.

It is the first step in re-establishing financial independence and strength and is a great way to feel more in control.’s services aim to help individuals raise their scores and provide them with the tools they need to make a real difference in their financial freedom and future.

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How Does Work?

The site works by removing negative additions, inaccuracies, and disputes from your credit file. even offers a free credit consultation.

After paying the initial set up fee on their website and committing to a recurring monthly cost, they will access your credit report summary as reported by the three credit bureaus. They will then scan your Experian, Equifax, and Transunion credit scores, searching for any discrepancies.

Once a game plan is in motion, they use their credit monitoring skills and experience to flag any reports or inclusions that could be considered invalid, inaccurate, or unfair.

These factors can be harmful to your credit score, and taking action to remove them is the first step in helping you access a better financial future. will do this by contacting the three major credit bureaus, as well as any credit companies that may be listed, and challenging these negative items. They will also go one step further and verify that your credit report has changed after these items are gone.

They have knowledge and experience with a range of legalities and consumer credit rules. Because of this, they are in a strong position to help you clean up your credit report and ensure that every entry is accurate.

Customers will also be kept informed at every stage with access to a personal online dashboard. It tracks your progress clearly, offers text and email alerts, mobile apps for both iOS and android devices, and a credit score tracker/analysis tool.

What Can Be Removed By

Here are just a few examples of the items which can be removed to help reverse the negative status of your credit file:

  • Out-of-date Additions – all items must be under seven years old to show up
  • Collections
  • Judgments
  • Late Payments
  • Charge Offs
  • Foreclosures
  • Bankruptcies
  • Repossessions

These are just a few examples of the items which should not be impacting your credit.

If they are present, will intervene on your behalf, contacting the relevant parties to get them removed and your credit improved in no time.

What Does Cost?

One of the most significant benefits of’s website is the super simple pricing system.

As of 1/6/21, the basic rate is just $99.95 per month for the services, with an initial one-time charge of $14.99 to pull your credit report from the bureaus.

You always know exactly where you are, and there are no nasty surprises or hidden charges.

They do however state in the faq, they do not offer a money-back guarantee

What Are The Advantages of

Signing up with a credit repair company can seem like a big step.

However, it can be a very sensible first move in you getting a handle on your finances and taking back control.

It is vital that companies and creditors are challenged when they hold incorrect data, and you have every right to have that information removed.

Some of the advantages of include:

A Strong Reputation

Reputation is a hugely important factor when you are picking a credit repair company.

There are an awful lot of charlatans out there who are more than willing to take advantage of vulnerable customers, charging a fortune for services which are not necessary., however, seems to have a solid and established reputation, with almost universally positive reviews.

A Simple, Straightforward and Efficient Process

Some credit repair companies can have overly complicated processes which take a long time and are hard for the customer to get their heads around. offers a simple 3-step process – Check, Challenge, Change.

It is simple for members to see what needs to be done, and makes the challenge of a little more achievable and straightforward.


In addition to helping you make important decisions and identifying errors in your file, offers so much more.

They are also dedicated to helping you understand more about debt, credit improvement, loans, savings, identity theft, and a host of other financial topics.

Understanding the different ways that credit can affect your life is an important part of keeping it under control.

All of this information and more is freely available on the site, which is a hugely valuable resource for consumers.


Another advantage to the site is that it can save you precious time and money – both attributes of which we would all like more.

Rather than having to painstakingly go through your file, find the errors contained within, and contact each creditor yourself, you can hand over your report to experienced professionals.

You can then allow them to take the reins.

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What Are The Disadvantages of

Though there are many pros to the site, in the nature of responsible reviewing, we must also consider the disadvantages.

The lack of information on the website is a slight concern. However, there are so many positive reviews and feedback, which helps to offset this.

After reading the disadvantages, you are entitled to an annual free credit report, allowing you to call the collections agencies to begin the disputing process. Some of the disadvantages include:

Lack of Clarity

The website offers the services of experts but does not provide any more information about who they may be, or the qualifications they have to advise and help you. There is no evidence to suggest that the people you are paying are any more qualified than you are to carry out the tasks.

No Accreditation

Another issue with the site is that they do not enjoy any accreditation with the Better Business Bureau. Accreditation helps to verify companies and sites, and it is often held as a badge of honor by those who manage to make the cut.

Sadly, CreditRepair does not have this accreditation, and this could cast doubts on their integrity compared to other accredited companies like Credit Saint and Sky Blue Credit.

May Not Be Needed

One of the main concerns with any company of this nature is their validity. There is a feeling that you are spending money on something you could achieve yourself.

While the convenience offered by an external provider is reassuring, it is not strictly necessary for clearing your credit and improving your credit score. Though doing it by yourself can take a little longer to achieve effectively.

Is Right For You?

Finding the best credit repair agency can be confusing. There is a vast range of companies like Lexington Law and Credit Saint, all claiming to offer the cheapest, fastest, and most convenient service. does have some good reviews and a lot of positive feedback, but their lack of official accreditation is a slight concern.

This is especially when there are a variety of other companies and options available that do have long lists of licenses and official reviews.


Lexington Law Review

Let’s face it, we all need a good credit score to get a quality loan — be it a car loan, a mortgage, or some kind of personal loan.

You can repair your credit yourself, but it’s a tedious process. You’ll need to follow rigid timelines, write persistent letters to different credit bureaus, and wrap your head around complicated terms and industry jargon.

Many people prefer hiring a credit repair company such as Lexington Law, one of the pioneers of credit repair services.

In this review, we’ll look at Lexington Law’s prices, customer service, and credit repair process to help you decide whether to sign up for Lex Law’s credit repair services.

Table of Contents:

  • What Is Lexington Law?
  • How Lexington Law Works
  • Plan Options
  • Plan Costs
  • Signing-Up
  • Pros and Cons
  • Alternatives
  • Is Lexington Law for You?

What is Lexington Law?


Founded in 1991 as an actual law firm, Lexington Law helps consumers in all 50 states straighten out their credit scores.

For a monthly fee, this Utah-based firm will help you remove negative items from your credit report. The process can, within a few months, lead to a better credit score.

With the help of Lexington Law, you can remove unjust, misleading, or unverified negative items from your credit history.

Lexington Law could also give you the tools and skills you’d need to monitor your credit history and maintain a good credit score in the future.

Lexington Law is not a scam but nor is it a magical solution to your credit problems. The service offers legwork and expertise; its solutions still require time and patience.

Is it worth it? Let’s dig deeper to find out.

How Lexington Law Works

Lexington Law works in a simple way to help you start rebuilding your credit score. Any inaccuracy in your credit report can lead to negative effects on your scoreline. So Lex Law’s first step is usually to verify all the information on your credit report.

In this first phase of the credit repair process you can get a copy of your report and consult with the attorneys and paralegals from Lexington Law to decide which items in your credit report could be contested.

The Fair Credit Reporting Act requires credit bureaus to record only verifiable and accurate information. If the negative items on your credit report do not meet these criteria, they must be removed.

If you identify incorrect or misleading negative items on your reports, Lexington Law’s attorneys will send letters to the three credit bureaus requesting these items be removed. If these negative items alone are causing your bad credit, you’ll be back in business within a couple months.

You could do this yourself without Lexington Law’s help. Many people do. The value you get from Lexington Law includes having an ally who speaks the language of the credit bureaus. And let’s face it: cease and desist letters have a lot more bite when they come from a law firm.

A Quick Note About Credit Repair

But let’s be clear about credit repair: If you have legitimate problems — a series of charge-offs and a long history of late payments — you may have a legitimately bad credit score. A credit repair company can’t fix this; it can only help ensure your credit history is reported accurately and fairly.

Credit repair for a genuinely bad credit score requires changes to your financial habits and a lot of patience. Over time, your better habits will start to outweigh your negative credit history. Over time your credit score will reflect your better habits, especially as your negative items age off your report..

Learn More about LexLaw

Lexington Law’s Credit Repair Plan Overview

Lexington Law offers three service levels at three different price points. Before signing up you can get a free consultation with a customer service rep.

This consultation could help you decide whether to sign up and which service level to choose:

  • Concord Standard
  • Concord Premier
  • Premier Plus

Concord Standard

The basic plan, Concord Standard, costs $89.85 a month, and it provides the tools most people need to get their credit score repaired.

This plan gives you the basic credit repair service that includes bureau challenges plus creditor challenges filed on your behalf by Lexington Law Firm.

This plan can help ensure you get fair credit reporting by your creditor and an accurate score from the credit bureaus. Ultimately, you’ll get help enforcing the Fair Credit Reporting Act.

Cost: $89.85/month

Concord Premier

If you need more powerful service tools, Concord Premier can provide them. This service level adds a monthly credit score analysis and ongoing credit monitoring on top of the Standard plan’s features.

This service level costs $109.95 per month. This is the best credit repair plan for anyone on a budget who still wants control over their credit score repair.

 Cost: $109.95/month

Premier Plus

The most complete plan is called Premier Plus. It costs $129.95 per month.

The Premier Plus subscription features tracking and analysis of FICO scores, and legal help in dealing with third-party debt collectors and even auctioneers.

This service level also includes identity protection and has identity theft insurance coverage worth a million dollars.

The Premier Plus package also has a financial management tool that can link up to your bank accounts and help you plan your finances based on your financial goals.

For most people who need help repairing their credit, the Premier Plus plan offers too much.

Cost: $129.95/month

Lexington Law Prices

To give you a quick overview of the plans listed above, here is the breakdown of what each plan would cost you:

  • Concord Standard: $89.85
  • Concord Premier: $109.95
  • Premier Plus: $129.95

(Prices current as of 1/4/21)

Sign Up Process with Lexington Law

Within forty-eight hours of signing up online or via the firm’s phone number, a representative from Lexington Law will contact you and act as your personal representative.

Your rep will ask for your details, which will be used to obtain all your credit reports from three credit bureaus — TransUnion, Equifax, and Experian.

After analyzing the credit reports, a Lexington Law consultant will reach out to you with the items that can be challenged. You’ll be able to share your input about your credit score, too.

From here, your personal rep will get in touch with the creditors and reporting bureaus to start the process of removing inaccurate or misleading marks such as inaccurate charge-offs or late payments.

Once the removal process has been successful (and depending on your subscribed plan), you will get an analysis of your report. Any issues not resolved will still be followed and escalated by your personal representative from Lexington Law.

Sign-Up with LexLaw

Pros and Cons of Lexington Law

Lexington Law has set a high standard for other credit repair companies. Its pros include:


  • Legal Team: One of the most impressive things about Lexington Law is the fact that it employs attorneys and paralegals. This ensures the correct legal channels are used to repair or correct your credit score.
  • Fairly priced Plans: Lexington Law’s packages are all fairly priced. The best credit repair companies shouldn’t be cost-prohibitive. Lexington Law offers options to fit most budgets. The Standard plan can get the job done.
  • High-Quality Credit Analysis and Counseling: Lexington Law uses a personalized credit analysis and counseling approach. A paralegal is assigned to every client to ensure they get the best services and advice.
  • Great Customer Experience: Lexington Law’s staff is courteous and professional. Reps are available from 7 am to 7 pm weekdays Mountain time (5 am to 5 pm Eastern). The sales staff is available more often, including on weekends. And you can start the process online anytime.


While Lexington Law typically meets customer expectations, there are some improvement areas we can suggest.

  • BBB Rating: Lexington Law has a few complaints on the Better Business Bureau that has affected its BBB rating. Most complaints have been addressed by the company. Consumer Affairs also shows some shaky interactions.
  • More Expensive Plans Have Unnecessary Features: Unless you need identity theft protection and other consumer protections from your credit repair company, Lexington Law’s Premier Plus plan simply has too many features. A credit repair firm makes its money focusing on immediate credit issues. Just stick with the basic or perhaps the intermediate plan.
  • Extra Reports Cost More: The Standard plan charges $14.95 extra for all credit reports. To avoid this fee I recommend using an app like Credit Karma or Credit Sesame to get a good idea of what’s on your credit report. Or you could request your annual free credit report from TransUnion, Experian, and Equifax independent of Lexington Law.

Alternatives to Lexington Law

Check out my post about the 10 best credit repair companies in the United States for an analysis of other industry leaders which include:

  • Credit Saint
  • Sky Blue
  • The Credit People
  • Pyramid Credit Repair

Another Option: Do it yourself. The DIY credit repair approach can work, especially if you have only one negative item to get removed. You’ll spend some money on postage and some time on the phone. But with a simple goal, you should be able to get it done yourself.

If you have multiple credit card accounts, a personal loan lender, and a couple student loan services providers, then you probably do need some professional help.

Is Lexington Law Credit Repair Right For You?

Not many people realize the convenience of having someone else sort through your credit items in search of ways to improve your score. It’s even more convenient when someone else goes through the process of reaching out to the credit bureaus to correct errors.

People don’t realize this convenience until, of course, they try to improve their own scores through the DIY approach. Yes, it’s possible, but it takes a commitment and attention to detail most of us don’t have in excess. The time commitment is the biggest issue.

Lexington Law stands out for these reasons and because of the legal angle. These people speak the language of credit inquiries. They have the phone numbers of the credit bureaus on speed dial. If anyone can sort out a tangled mess of a credit situation, it’s a dedicated attorney and paralegal.

Regardless of how complex your credit history has become, I recommend Lexington Law Credit Repair as an ideal solution — especially the most affordable basic plan.

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Credit Assistance Network Logo

Credit Assistance Network Review

There are a lot of credit repair services, too many perhaps, but very few that fully guarantee their work. The Credit Assistance Network is one credit repair company that does. That lands it squarely on our best credit repair companies list.

Not only do they offer a 90-day money-back guarantee if they fail to provide any improvement in your credit situation within that time frame, but fees collected are based on performance.

For example, while The Credit Assistance Network does collect an upfront fee, as do many credit repair services, they don’t have a fixed monthly subscription fee.

Instead, you pay based on results. Subsequent fees are only paid based on each corrected credit entry.

Put another way, if the Credit Assistance Network is unsuccessful in getting a particular derogatory credit item removed from your credit report, you don’t pay them for their services.

This is unlike the vast majority of competitors, who charge you a flat monthly subscription fee, whether they produce positive results or not. It gives you a level of assurance that isn’t available with other credit repair services.

Table of Contents:

  • About Credit Assistance Network
  • How It Works
  • Features & Benefits
  • Pricing & Fees
  • Credit Assistance Network Guarantee
  • How to Sign Up
  • Pros & Cons

What is the Credit Assistance Network?

Credit Assistance Network LogoThe Credit Assistance Network is different than your typical credit repair services.

In fact, they don’t even refer to themselves as a credit repair service. Instead, they report that the company specializes in credit improvement.

This is done through a realistic legal program designed to help you with any credit-related problem.

The company, created by Corey Gray, began operations in 2004 and is located in Boca Raton, Florida. It offers comprehensive credit improvement services for those with bad credit or individuals who just wish to improve their credit history.

This is done using a staff of consumer finance, credit and debt experts who will assist you with the credit improvement process.

They advertise they can take on any credit, debt or loan related problems.

The company maintains 100% compliance with the Credit Repair Organizations Act (CROA) and is a member of the National Association of Credit Services Organizations.

The Credit Assistance Network, Inc has a Better Business Bureau rating of “C+” (on a scale of A+ to F). The company is not BBB accredited, but the agency has had an open file on them since 2004.

Learn More about Credit Assistance Network

How Credit Assistance Network Works

Credit Assistance Network does everything necessary to improve your credit situation using legal means.

Under federal law, you have the right to dispute any items on your credit reports.

You can also get assistance with that process, and that’s where Credit Assistance Network comes into the picture.

They handle the work of credit disputes for you and work to make sure that your credit reports are finally free of mistakes, false information, identity theft, and inaccuracies possibly reported by financial institutions like credit card companies or any other lender.

Removing negative information will ultimately result in higher credit scores.

Credit Assistance Network offers unlimited disputes.

And they can help you resolve issues with any of the following credit problems:

  • Collections
  • Late Payments
  • ID Theft
  • Liens
  • Bankruptcies
  • Repossessions
  • Judgments
  • Charge-Offs
  • Short Sale/Foreclosures
  • Duplicates
  • Junk Debt Buyers
  • Incorrect Personal Info
  • Inflated/Expired Debts
  • Outdated Information
  • Debt Management/CCCS
  • Ex-Spouse
  • ChexSystems
  • No Credit Score
  • Security Clearance
  • Excessive Inquiries
  • Mixed Credit Files

When you sign up for the service, your credit reports will be reviewed by a trained credit specialist.

A consultation will be conducted, both to provide advice to you and get feedback from you to make the process more efficient.

Your credit reports will then be carefully analyzed by the Credit Assistance Network service department to determine which items will be disputed, what the process needs to be and the legal basis for going forward.

The Credit Dispute Process

They create and mail legally compliant and customized dispute letters to each of the three major credit bureaus – Equifax, Experian, and TransUnion.

They can dispute up to 45 individual items. Once a letter is sent to a credit bureau, the bureaus are legally required to investigate the dispute by contacting the creditor who reported it.

If the creditor is unable to verify the entry, it must be deleted. Creditors and collectors have 30 days to complete their investigations and forward the results to the credit bureaus.

You will receive copies of those results as well. You will then forward them to The Credit Assistance Network for analysis.

Their experts will then work to identify possible violations of the law. If necessary, they’ll file complaints with the state attorney general, the Federal Trade Commission, and the Better Business Bureau.

The Credit Assistance Network will use a series of dispute letters in dealing with creditors and collection agencies, including the following:

  • Validation demands, demanding a creditor or collection agency validate information reported on the credit report. If they are unable, it must be removed from the report.
  • Goodwill letters, politely asking a creditor to change negative information.
  • Cease and Desist Letters to collection agencies.
  • Disputes and information requests.

You’ll receive an updated credit report 30 to 45 days after a dispute is initiated. Further action will be determined based on the revised information reported in the updated credit reports.

The process is repeated for each credit item until it is resolved to your satisfaction.

As part of the program, you’ll have access to a secure client portal. From the portal, you can communicate with The Credit Assistance Network, track progress, and upload documents. The portal is available 24 hours a day, seven days a week.

Credit Assistance Network Features and Benefits

Credit Monitoring

Through a partnership with IdentityIQ, you can monitor your credit by getting your credit reports and scores from all three major credit bureaus.

This includes daily credit monitoring and alerts, and a credit report that can be refreshed every 35 days, plus $25,000 in identity theft insurance.

The service costs $1 to try out the plan for seven days, then $19.99 per month. IdentiyIQ also comes with daily credit monitoring and fraud alerts, as well as identity theft restoration services.

Credit Repair Blog

This is a treasure trove of articles on the website (even if you don’t sign up for the service), that can teach you everything you need to know about credit.

General topics covered include:

  • bankruptcy
  • credit bureaus
  • credit repair
  • credit repair scams
  • credit reports and scores
  • credit disputes
  • debt collection
  • establishing and rebuilding credit
  • identity theft
  • laws to protect you
  • the statute of limitations

Mortgage and Loan Calculators

Among other resources available on The Credit Assistance Network website are mortgage and loan calculators.

These will enable you to run scenarios for different mortgage and loan programs.

You enter the loan amount, loan term, interest rate, and first payment date, and the calculators will tell you what the monthly payment will be, and when the debt will be paid off.

The mortgage calculator even factors in more specific information, such as your down payment, annual property taxes, and property insurance, as well as any required private mortgage insurance.

Customer Service

Available by either phone or email during regular business hours.

Here is a little more of their contact information:

  • Mailing Address: 777 Glades Rd # 100, Boca Raton, FL 33431-6424
  • Phone Number: (800) 811-3078
  • Website:
  • Rating: As stated above, gives it a C+, which isn’t great, but there are no customer complaints listed currently.

Credit Assistance Network Pricing and Fees

Credit Assistance Network has a pricing setup that’s different from the competition.

As of 12/31/20, you’ll pay an upfront fee of $179 per individual, and $279 per couple for the first payment.

There will then be a fee of $50 per confirmed deletion per credit bureau, and $75 for public records.

The ongoing fees may prove to be higher than the flat monthly subscription fees charged by other credit repair services.

But the important distinction is that the payment is for services provided. In other words, the payments are tied to Credit Assistance Network’s success in repairing your credit.

This is unlike the competition, which typically charges a flat fee regardless of the success or failure of their efforts.

You’ll pay more under this pricing system, but it virtually guarantees a positive outcome.

It should also be added that the fee structure based on positive results serves as an incentive for Credit Assistance Network to make a serious effort.

After all, they won’t get paid if they don’t produce the desired results.

Credit Assistance Network Guarantee

Credit Assistance Network makes the following promises:

  • You can cancel your service at any time.
  • No one will over-promise or guarantee a specific outcome.
  • Your private information will be protected and secure.
  • You will be treated professionally and courteously.
  • All of your requests will be responded to in a timely manner.

If The Credit Assistance Network fails to force the removal of any erroneous credit within the first 90 days you are entitled to a full and complete refund of every dollar paid for the service.

How to Sign-Up

You can sign up for the service online, starting with free credit analysis.

All you need to do is provide your first and last name, your email address, and your mobile phone number.

Sign Up with Credit Assistance Network

Pros & Cons


  • The Credit Assistance Network is a financial service that handles all aspects of credit repair for you. It’s the perfect credit repair system if you want only minimal involvement in the process.
  • The fee structure will likely be higher than what you will pay with other credit repair services. But since subsequent payments are tied to the success the company has in repairing your credit, you’re virtually guaranteed a positive outcome – or you don’t pay.
  • All credit improvement strategies are fully legally compliant.
  • The Credit Assistance Network deals with the largest number of credit problems possible.
  • Cease and desist letters will be issued to collection agencies to stop harassing phone calls and letters immediately.
  • A 90-day money-back guarantee enables you to get a full refund of all fees paid if The Credit Assistance Network fails to remove any derogatory information within that time frame.


  • Both the upfront fee and the subsequent charges are higher than competing credit repair services. But since subsequent fees are tied to the success of improving specific line items on your credit report, you’ll pay only for what results The Credit Assistance Network provides, and not simply a flat monthly fee whether the service produces results or not.

Should You Work with The Credit Assistance Network?

There’s no getting around the fact that The Credit Assistance Network is one of the higher-priced credit repair services in the industry. But that’s because they guarantee results, otherwise, you don’t pay.

The upfront fee is admittedly high. But there is no fixed monthly subscription fee to continue the service.

Instead, The Credit Assistance Network charges fees based on the successful removal of individual derogatory credit items from your credit report.

You may even find yourself happy to pay each fee, knowing that it has produced a successful outcome.

This is totally different from the vast majority of credit repair services that charge a flat fee, with no guarantee of positive results.

In theory at least, if you pay a flat fee, and the credit repair service doesn’t produce positive results, you will pay hundreds of dollars and get no improvement in your credit scores.

With The Credit Assistance Network, you’ll certainly pay, but only once the job of removing a particular credit derogatory is complete.

That guarantees a positive outcome and removes the risk of paying money for an unsuccessful venture.

If you’d like more information, or you’d like to sign up for the service, check out the Credit Assistance Network website.

Ovation Logo

Ovation Credit Repair Services Review

If negative items on your credit report are keeping you from buying a house or getting a good interest rate on a car loan, you may need some credit repair help.

You can try the do-it-yourself credit repair process, or you can hire a credit repair service to do the work for you.

In this post, I’ll review Ovation Credit Repair Services, a new credit repair company that could help improve your credit score and your borrowing power.

Table of Contents:

  • About
  • How It Works
  • What They Can Remove
  • Plans and Cost
  • Discounts
  • Advantages
  • Disadvantages

Who Is Ovation Credit Repair Services?

Ovation Logo

Ovation Credit Services, Inc., is a Jacksonville, Florida-based credit repair company owned by Lending Tree, the online platform for comparing loan offers.

Ovation helps consumers who have bad credit resolve their credit issues.

Eliminating your credit report’s negative items could create the kind of credit history quality lenders look for.

Ovation specializes in removing inaccurate information from personal credit files by submitting credit disputes and sending goodwill letters on behalf of its clients.

The service also offers financial management tools to help clients maintain good credit after completing the credit repair program.

Like Lexington Law, one of the national leaders in credit repair, Ovation is staffed by attorneys and paralegals who specialize in credit repair issues.

The advice and guidance you get from Ovation’s team should be accurate and relevant to your case.

How Does Ovation Credit Work?

When you sign on with Ovation, your personal case advisor will first pull copies of your credit report from the three main credit bureaus – Experian, TransUnion, and Equifax.

Your advisor will analyze your credit reports looking for debts that cannot be verified or confirmed, inaccurate information, or duplicate entries.

Removing Inaccurate Information

Analyzing your credit reports gives the Ovation team a starting point. After identifying actions to take, the Ovation legal team will start contacting your creditors and the credit bureaus on your behalf.

The team can work to get these negative items removed from your file by writing goodwill letters asking creditors to remove anomalous late payments or paid collection accounts (Essentials Plus plan).

Ovation will also send dispute letters and debt validation letters to attack inaccurate information that’s pulling down your credit score (Essentials & Essentials Plus plans).

Removing negative items can have a positive impact on your credit score within 30 to 45 days.

Making a New Plan to Optimize Credit

Your credit analyst will also help you develop a plan to optimize your credit through your daily financial decisions.

This kind of credit repair takes months or even years, but it lays a strong foundation for having excellent credit in the future.

Borrowers with excellent credit can access loans with the best interest rates and the lowest fees. They also get the best rewards credit cards.

If you’re planning ahead for getting a mortgage or a business loan in the next few years, Ovation’s holistic approach could help you.

Learning to manage your credit score is a vital skill in today’s credit-dependent market.

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Credit Monitoring

Even after you complete a credit repair project you should continue monitoring your credit score to check for inaccuracies and fraud before they hurt your personal finances.

Ovation offers a separate credit monitoring service that you can use after you complete your credit repair process and cancel your monthly credit repair subscription.

You can also monitor your credit by pulling your own credit reports at where you can get a free credit report from each bureau once a year.

(Because of the Covid-19 pandemic, this site now offers free credit reports each week through April of 2021).

Credit Karma and Credit Sesame also offer free credit monitoring services.

Get a Free Copy of Your Credit Report

What Can Ovation Credit Remove From a Credit Report?

Ovation can remove a variety of negative items from your credit history — assuming the negative information is inaccurate, old, or duplicated elsewhere on your credit report.

Ovation can also ask for goodwill adjustments to remove negative information.

The types of things which can be removed include:

  • Late payments
  • Charge-offs
  • Bankruptcies
  • Collections
  • Judgments
  • Repossessions
  • Foreclosures
  • Liens
  • Credit Inquiries

Consumers should always remember Ovation — and any other credit repair or financial services provider — can remove negative information only if it’s expired, fraudulent, inaccurate, lost, or duplicated.

Your legitimate debts will remain on your credit report until they are resolved or until they age off.

Can Ovation Help Me?

Many consumers expect instant results when they hire a credit repair company like Ovation.

This expectation probably comes, in part, from the ads many credit repair companies run. These ads tend to include testimonials from customers who report drastic credit score increases.

Credit repair professionals can’t work miracles, and they have to work within the law. For example, they can’t remove a negative item that’s accurately reported and legitimate.

In fact, credit repair companies can’t do anything you couldn’t do yourself. But a professional can work a lot faster and more efficiently to get results.

When you hire professional help for your credit repair process, you’re paying for speed and tenacity. You’re paying someone else to write letters and make phone calls so you can go about your ordinary life.

Ovation Credit Repair is Best For…

Depending on your specific credit issues, hiring Ovation Credit Services, Inc., could resuscitate your credit score quickly.

But you should know in advance that a credit repair company like Ovation won’t be able to fix bad credit if your credit history is filled with legitimately reported problems.

Professional credit repair from Ovation can be a good buy if:

  • You want a free credit consultation, alongside a professional credit analysis.
  • You need to repair your credit, but you have no idea where to start.
  • You need some expert advice about how to repair your credit.
  • You know you have inaccuracies but have no idea how to file disputes and appeals.
  • You don’t mind writing dispute letters and goodwill letters but you don’t have time to follow up on them.

How Much Does Ovation Cost?

If you’ve read this far and you’re still interested in Ovation Credit Services, Inc., you probably want to know about cost.

Ovation offers a free credit consultation. If you decide the company can help improve your credit score, you can choose from two plans, both of which also charge a one-time first work fee of $89, paid upfront:

The Essentials Plan ($79 a month)

The Essentials Plan provides customers with a personal case advisor, personalized dispute options, 24/7 access to their case with live updates, and easy access to the online credit dispute service.

You’ll also get a personalized plan to optimize your credit going forward.

This plan charges an $89 first-work fee when you sign up. Then you’ll pay $79 in monthly fees as long as you’re a customer.

The Essentials Plan offers two $25 add-ons:

  • Identity Optimization to help protect your credit life against identity theft.
  • Fast Track to help expedite your credit disputes.

The Essentials Plus Plan ($109 a month)

The Essentials Plus Plan offers everything in the Essentials Plan along with:

  • Unlimited challenge validation
  • An official recommendation letter for use with creditors
  • Ongoing TransUnion Credit Monitoring
  • Goodwill letters sent to creditors to address legitimate and accurate negative items.

This plan also requires the $89 first-work fee followed by $109 a month as long as you’re a customer.

You could add-on the same extras the Essentials Plan offers: Identity Optimization and Fast Tracking.

Ovation Credit Repair Discounts

Ovation has a nice selection of discounts which include:

  • Referral Credits: You could get a $30 discount off a monthly fee by referring a friend who also signs up for Ovation. You could get a $50 discount for referring a couple.
  • Couples Discount: If you’re an Ovation customer and your spouse or significant other also signs up, you both could claim a 20% ongoing discount.
  • Seniors & Military Discount: Both seniors (65 or older) and military members (retired or active duty) get a 10% discount on all Ovation services.

What Are The Advantages of Ovation Credit?

Ovation’s $79 a month Essentials Plan is among the most affordable credit repair options in this market today.

Along with this potential for savings, Ovation can offer some other advantages which include:

  • Personalized Attention: From the beginning, you’ll have a personal case advisor assigned to you. Most customers appreciate having a go-to person rather than talking to someone different each time they need help.
  • Accreditation: One of the most significant selling points of Ovation is its A+ accreditation from the BBB ( Better Business Bureau). An A+ rating is a standard of reliability in the industry, and it helps reassure customers that the credit firm is reliable and trustworthy.
  • Free Credit Consultation: All prospective customers can claim a free credit consultation before signing up — and it is entirely free of charge. However, Ovation will encourage you to enroll in one of its paid plans during and after the consultation.
  • Easy Access to Progress: Customers can access their account any time via Ovation’s site, making it easy to track and monitor your progress on your schedule.
  • Range of Payment Plans: Ovation offers one of the industry’s most affordable options if you choose the Essentials Plan with no add-ons. However, if you want more services and don’t mind paying for them, Ovation also has a plan for you.
  • Modern Website: First impressions count for a lot, and logging onto Ovation’s website is reassuring for any potential customers. The overall look of the site is professional and sophisticated, with all services easily accessible. Social media is also updated and well maintained, and this combines to create an overall professional impression. Unfortunately, many other credit repair companies struggle in this area.
  • Flexibility: It is easy for customers to add custom options to their plan, meaning you can pick and choose the services which are the best fit for your needs.
  • Same Day Service: Another unusual but beneficial feature is Ovation’s same-day Fast Track promise ($25 add-on). By sending dispute letters and goodwill letters as quickly as possible, Ovation can get results more quickly.
  • Identity Optimization: Identity theft is a legitimate concern, and the Identity Optimization feature ($25 add-on) helps to reduce the chances of this being an issue, offering more peace of mind for customers.
  • No Contracts: It’s easy enough to cancel your monthly subscription. Ovation bills on a month-by-month basis and does not require contracts.

Are There Any Disadvantages of Ovation Credit?

As with any credit repair company, Ovation has some areas where it could / will improve:

  • Youth: The company is still new. Its reviews seem positive, but they don’t have decades of history like Lexington Law or Credit Saint. That being said, being a Lendingtree company lends some credibility.
  • Customer Support: 24/7 active duty customer support is not provided.
  • Vague Refund Policy: Ovation says it will refund your monthly fee any time it doesn’t meet its obligations to you during that month. However, this policy leaves room for the company to interpret whether your case merits a refund. Refunds are always tricky with credit repair companies because customer expectations aren’t always possible to meet.

Ovation Credit – Is It The Credit Repair Service for You?

Considering its relative youth, provides a flexible, stable, and comprehensive approach to credit repair.

I recommend checking out this company if you’re serious about hiring a credit repair pro.

(Rates current as of 12/24/20)

sky blue credit repair company logo

Sky Blue Credit Repair Review

Your credit score/FICO score single-handedly wields power over nearly every aspect of your financial position.

It controls your credit card rates and monthly fees, potential loan rates, and even employment opportunities.

When your credit score starts to sink, the process of credit rebuilding or credit restoration to a healthy level can seem overwhelming.

It can be hard to know where to begin when suffering from bad credit, but Sky Blue is a credit repair company that can help you with that.

Known as one of the best credit repair companies, Sky Blue offers experience in all areas of the credit repair process.

They have helped hundreds of Sky Blue’s customers rebuild their credit and head for success.

Table of Contents:

  • About Sky Blue Credit Repair
  • How Sky Blue Can Help
  • Cost
  • Items Sky Blue Can Remove
  • Pros
  • Cons

Who Is Sky Blue Credit Repair?

sky blue credit repair company logo

Sky Blue is an experienced credit repair agency that is based out of Boca Raton, Florida.

They operate throughout all 50 states and have an emphasis on helping customers to build, develop, and repair any negative items on their credit reports through credit monitoring and score assistance.

How Can Sky Blue Credit Repair Help?

Sky Blue Credit Repair works to rebuild your credit history file and raise your score by making sure that there are no inaccuracies or incorrect information on your record.

If any negative marks are present, it will be almost impossible for you to improve your rating on your own, even if you behave as a model consumer from this day on.

Sky Blue will get copies of your credit report from the three major credit bureaus, Experian, Equifax, and Transunion, and begin the dispute process.

They will then work through them line by line to ensure that there is nothing on them that cannot be verified or confirmed.

If such elements are present, they can work with you to send dispute letters and re-dispute letters to credit agencies on your behalf. They will inform the agency that the incorrect items need to be removed from your report.

Get Started with Sky Blue Credit Repair

Sky Blue Credit Repair Cost

According to the Sky Blue Credit Repair website, as of 12/23/20 you can begin repairing your credit for an initial setup fee of $79 and then $79/month, promising no extra services charges.

They do offer a free consultation and a condition-free, 90-day-money-back guarantee during the first 90 days of membership.

The bottom line, if you’re not satisfied with the credit repair service results, they will issue a full refund of your money.

Sky Blue also grants second members a 50% discount on the initial fee and monthly fees as well as a couples discount of $39/month.

What Items Can Be Removed by Sky Blue?

While actual debts cannot be removed, there must be proof that you indeed owe the debt for it to count. There are, however, aspects that can be removed from the report.

Here’s a short list of items that can be removed:

  • Bankruptcies
  • Charge-offs
  • Late Payments
    • Credit Card
    • Mortgage
  • Hard Inquiries
  • Judgments
  • Paid Collections
  • Repossessions
  • Student Loan Debt

False Debts and Accounts

There have been instances of companies reporting debts that customers do not owe, accounts that were not opened under the correct name, and identity theft.

If these accounts do not exist, or the debt is not yours, it should not be on your credit report.

False Inquiries

You cannot have the same inquiry on your report more than once – any duplicates should be removed.

Accounts Older than Seven Years

If your account is in collections, it can only remain on your report for seven years. After this period, it must be removed from your report.

Bankruptcies and Tax Liens

If you have declared bankruptcy or have an unpaid tax lien, they must be removed from your report after ten years.

Sky Blue can work with you to contact the appropriate agencies and credit bureaus if any of the above apply.

Sky Blue Credit Repair Pros

Some of the pros of Sky Blue include:

Great Customer Service

One of the most significant benefits of the company is its commitment to providing high levels of customer service.

They have a C rating with the BBB (Better Business Bureau) but are not accredited and have established a solid reputation as reliable, trustworthy, and honest. Sky Blue Credit Repair has a 4.5 out of 5-star customer review rating, pulling in only 12 customer complaints within the past three years.

There have even been reports of them helping customers who are just above the “bad enough” threshold to be helped – free of charge!

90 Day Guarantee

As part of their commitment to excellent service, Sky Blue offers a condition-free 90-day money-back guarantee. If you are not satisfied for any reason at all, you may request a full refund.

Notably, unlike other companies’ terms, you don’t have to wait 90 days to ask for your money back, nor will a single deletion void the guarantee.

They Take Care of the Hard Work For You

You will also benefit from a company representative identifying any items for dispute on your file, and this takes care of the most complicated and time-consuming aspect of the process.

They are also known for picking up on small, subtle inconsistencies that may otherwise be overlooked.

The Firm Handles all Disputes

Sky Blue will do the tough stuff, and this includes filing disputes with all three major credit reporting bureaus on your behalf.

This is all without you having to do anything. It saves you precious time and effort in filing disputes yourself and can be very valuable if you are faced with multiple issues.

Even better, you will be contacted directly by the creditor – no need to wait for the Sky Blue representative to get back to you.


One of the most significant advantages of Sky Blue is the speed at which they work. They dispute up to 15 inquiries every 35 days, which works out to 5 per bureau. This is exceptionally fast compared to other competitors and credit repair companies.


In addition to helping remove inconsistencies and inaccuracies from reports, Sky Blue also teaches their customers about ways to improve their scores and files. They also advise on the best ways to spot items that need removing.

They help you to locate them more quickly and become familiar with what should and should not be present.

Additional Services

No additional charge is levied for services such as goodwill letters, debt validation, or assistance when it comes to negotiating with the credit bureaus.

Customized Disputes

The personalized service is another benefit of Sky Blue. Unlike some credit companies who send out stock, standard letters to creditors and bureaus, all correspondences will be personal, individualized, and relevant to your situation.

Get Started with Sky Blue Credit Repair

Sky Blue Credit Repair Cons

As with any service, there are negatives, and these include:

Very Basic Website

Appearances are not everything, but there is no denying that the website and online experience offered by Sky Blue is a little underwhelming.

First impressions count, and it seems likely that customers will feel more inspired and enthused by a more sophisticated website with a better design.

It could be a reason that Sky Blue misses out on valuable customers.

It May Feel Unnecessary

Some customers may be reluctant to spend money on a service that could be done themselves with a little research and hard work.

Going through a professional company, such as Sky Blue, does help to make the process faster and more convenient.

However, this may not be a good enough reason for some customers to part with their hard-earned cash.

Do I Need A Credit Repair Company?

It may be tempting for you to try to fix your credit yourself, but this can be a lengthy and challenging process. You are entitled to an annual free credit report where you can monitor your own credit.

However, the disputing process including the cease and desist letters, debt settlement, and possibly re-disputing process may be better suited for a credit repair industry leader. Sky Blue can do the hard work for you.

They have a robust skill set and experience base to build from to help you in a faster and more effective way.

If your credit report is riddled with errors and inconsistencies, contacting the experts can be one of the easiest ways to help you get back on track.

Is Sky Blue Credit Repair Right For Your Needs?

There is no denying that Sky Blue is a company that goes above and beyond for their customers. They even offer free advice for those who may not directly qualify for their help.

Their plans are affordable, but there is always a risk that a customer may choose a DIY approach to save cash, especially with the underwhelming website offered by the brand.

Aside from this detail, this is a professional, reliable credit repair option, and is a solid choice for anyone looking to rebuild his or her credit score and remove any report errors or inconsistencies.

It is always wise to compare other credit repair companies such as Lexington Law or with Sky Blue, making sure you’re getting the most out of your hard-earned money.