Credit repair costs nothing if you handle the process yourself. There's nothing a credit repair company can do for you that you can't do for yourself. The Credit Assistance Network wastes no time getting down to business. Within three days of setting up your account, this credit repair agency may submit up to 45 letters of dispute to credit bureaus on your behalf.
This agency states that many clients see results within 15 to 30 days because the company immediately begins sending dispute and debt validation letters on their behalf. Pyramid states that most of its customers see changes in credit ratings within 45 days of opening a Credit Versio offers three plans that include unlimited dispute letters and monthly credit reports and scores. Believe it or not, you can repair your own credit for free and you don't need to pay anyone to do it. This initial charge acts as a setup charge for your account and allows the credit repair business to start working on your case, which can include unlimited disputes at their highest levels.
Reputable credit repair companies will clearly state their prices and services, so consumers can select the right package for their needs. Pyramid Credit Repair is a rare agency that files unlimited disputes on behalf of a client each month. If you don't take any steps to increase your credit score, it may be a long time before your credit score improves, if ever. This is because credit repair companies can only help eliminate errors; they cannot delete information that is harmful but correct.
All plans include access to The Credit Pro mobile app, which allows you to review disputes, receive real-time updates, and monitor your credit rating and report. If you are interested in hiring a credit counselor, The National Foundation for Credit Counseling offers advice on low-cost debt, debt consolidation, and debt management plans. Sky Blue Credit has a 90-day money-back guarantee, but you'll pay out-of-pocket to gain access to your credit report. Experts can help you with financial steps you can take to improve your credit score, such as opening a new credit card or managing your outstanding balances.
The company's free consultation is available in English and Spanish, something rare in the credit repair industry. Credit repair companies are helpful if you can afford service and don't have time to dispute items. The goal of these companies is to increase their credit by challenging outdated or incorrect information in their credit reports, tracking results, and monitoring to ensure that errors don't recur. These things can lower your credit score and get you out of the running for a loan or credit card.
There are legitimate companies that provide credit repair services, but the field is also known for scams, so it's important to investigate any company you're considering hiring.