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Sky Blue Credit Voted Best Credit Repair Companies of 2015

best credit repair services 2015

The number of credit repair companies has been increasing over the last couple of years especially with the increase in the number of people who are in search of the best credit repair services. However, many companies have today stood out to the best when offering these credit repair services to clients. Here is a review of the three best credit repair companies today:

Sky Blue Credit Repair

skyblue_creditSky Blue Credit Repair is a company offering clean up the errors services on the credit reports for many customers. When you hire them, they will always help you improve your credit scores. With their exceptional and simple program, you will always learn on the simple tricks that will help you understand modern credit repair issues better.

What are the benefits of choosing Sky Blue Credit?

The following are the benefits that you would enjoy when you choose Sky Blue Credit:

1. A Pace, which Delivers
They start fast while working smart to deliver you the best value in your industry.

2 The Pro Advantage
Unlike many other companies that offer no help choosing items to dispute, they will identify all subtle dispute candidates for the customers.

3. Intelligent Guidance
They offer you help on how to improve your credit scores easily. When they review your report, they will pinpoint on the specific actions you must take when optimizing your scores.

4. Easy Cost Structure
They will never charge your review/setup fee for six days. They will never start your monthly fees until a month later, and you do not need no confusing upgrades.

5. A Clear Guarantee
They are so sure customers will be thrilled with experience they offer a 90-day money-back guarantee. This means you will always get the best results when making your decision on what you would need especially when understanding credit repair.

 

Lexington Law

lexington lawLexington Law Firm is a company that has helped millions of clients who want take action and repair personal credit, since it was founded close to 30 years ago. Lexington Law has offered expert credit repair services as well as experienced support to many customers. The firm is a vast credit repair professionals and attorneys network in the U.S. They work together to make sure customers get the highest credit repair service standards.

What services do they offer?

  • Help you understand your credit score
  • Know your credit report

 

CreditRepair.com

credit repairCreditRepair.com is a company that will offer you professional credit repair services whenever you need the services. The company has a wide range of credit repair services that you would amaze you. With their services, you will be able to understand your credit score well.

It is very easy because: 

  • Super easy to fill online signup form since it will take you only 2 minutes
  • All major credit cards and debit cards accepted
  • You can cancel anytime with no pre-set obligation
  • The cost is only $39/month
  • Disputes are professionally managed by credit bureau
  • Personal FICO score recommendations
  • Special couples pricing are $69 for review per month!

In conclusion, despite all these amazing credit repair companies, sky blue credit repair was voted as the best credit repair companies October 2015.

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Different Ways To Spot Credit Repair Scams

man repairing credit

Is your credit card debt in one chaotic mess? You’ll want to fix it quickly and with little effort. However being desperate for the solution can easily leave you susceptible to the, now all too common, credit repair scams. To make sure you aren’t be taken advantage of, follow these signs and be wary. Being asked to build a different credit identity. lf your credit repair organization tells you to make up a credit identity, this should be a huge red warning sign.

What you should NOT Do..

Do not agree to their request as it is an act of fraud, which can then be reported to the Federal Trade Commission. These type of scams typically involves you switching your Social Security Number to an Employer Identification Number. While this may temporarily “fix” your debt, it now presents a new problem, namely it being illegal. Also if the company request you to pay before they do the service, watch out As the Federal Law states that credit repair companies and organizations can’t demand money before doing the work.

Are there hefty upfront fee’s?

avoid creid repair scamsAnother big warning sign, is if the company charges you without the option to cancel out within three business days. As mention above it is illegal to charge fees before the service is rendered if you are a credit repair company. Also having a choice to cancel out within three business days is required by law. This is so because you shouldn’t be locked in a contract without a choice to withdraw. Tells You It Can Remove Any Negative Information.

Information can only be removed if it is incorrect. If the information is negative, but is still accurate then the information cannot be removed. If any of the credit repair companies tells you that they can remove unwanted information, stay away as they are not being truthful or are breaking the law. If you have been scammed don’t let the credit repair organizations get away. You can take action by reporting the organization to your state attorney general.

How to avoid credit repair scams from Lawyers.com

You can also send a complaint to the Federal Trade Commission and the Better Business Bureau. Also remember that a credit repair company cannot do anything to improve your credit that you yourself can’t do. So next time before you ask for help from the credit repair companies, do some research first with the BBB, FTC and your state attorney general to see if there are any existing complaints about the organizations.

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Can Credit Repair Really Raise Your Score?

Online credit card payment

When unpaid and overwhelming credit card debt completely obliterated your credit score and make it impossible for you to get a mortgage, or even a car loan, the possibility of repairing a bad credit score can be an attractive promise. But can credit repair really raise your score?

Credit repair firms are thought to be a legitimate way to help improve a credit score. However, this is not entirely true. Credit repair firms can improve your credit score for a short period of time, by raising your credit score by a substantial number of points. But eventually, your score will plunge back downs, leaving you in the same or worse situation

“This however does not mean you cannot improve your credit score.”

Listed below are some slower, but sure ways to improve your credit score.

1. Pay back credit cards on time.
Putting away your credit card bills under the pile of mail, does nothing to help your score. Pull them out, and pay them up. Paying your bills on time and for full value, accounts to about 35 percent of your credit score. It singularly the most important rule of repairing your credit score.

2. Pay off all debt fully.
Small unpaid balances on many credit cards do more harm than good to your score. Repair your score by clearing these small balances, then selecting one or two cards and using them to make payments for everything. In this way, you are ensuring your credit report is not adulterated by many small credit balances.

Don’t apply for new credit.

If you already have more credit than you can afford to pay, applying for more credit will simply put a dent in your score. If you apply for more credit when you have not paid off your current debt, you will make the task of repairing your score more daunting than is necessary.

3. Keep your credit utilization low
If you have a card with a limit of $5000, but you only spend 1700 per month, you are only using about 34 percent of your credit limit. If however, your credit is suddenly reduced to $2000, then you will be using more than 80% of the total credit available to you. It is hence important to pay back your debt as fast as possible to avoid having your credit limit drastically reduced.

So can credit repair really raise your score? The answer is yes. It is a slow and rather arduous task, but yes, credit repair can help to raise your score. Contact us for more information on how to repair your credit.