Not all credit repair services are legitimate. There are many rules that the Federal Trade Commission imposes around credit repair services, and not all companies follow those rules. So which credit repair services are safe to use, and which of those provides the best service? We tested all of the top names in credit repair to find the answer. We ranked the services based on pricing, services offered, reliability and customer service. Check out all the reviews below and find the right credit repair service for you.
Credit Repair Reviews & RatingsView Full Comparison Chart
NextAdvisor Credit Repair Blog Headlines
How Settling a Debt in Collections Can Impact Your Taxes
When it comes to filing your taxes, not everything is quite as clear as you may think. Since certain financial moves can impact your taxes in a number of ways, we‘re breaking down everything you need to know about how settling a debt with a collection agency can affect your taxes. What is debt settlement? If an […]
Can Being Evicted Hurt Your Credit?
Being evicted is one of the most stressful experiences that can happen to someone who rents their home. Although the stress of having to quickly find new, affordable housing can be hard to deal with, what if there was more at stake? As difficult as it is to deal with when it happens, can its […]
What Can You Do if Your Credit Dispute is Rejected?
With credit report errors being a somewhat common occurrence, it might not come as a surprise that one day you may have to file a dispute to remove inaccuracies from your reports. What might come as a shock, though, is that sometimes credit report disputes can be rejected, even if the information in dispute is […]
Credit Limits and Your Credit: How Do They Relate?
If you have a credit card or line of credit, you may be familiar with the term credit limit. Although most people know that a credit limit is the maximum amount you can spend on a credit account, they may not understand how a credit limit impacts their credit scores. Below we detail exactly that […]
What Is Credit Repair?
Credit repair services use the laws around credit reporting to contest derogatory items on your credit report. They are most effective at removing errors or misinformation from your credit report, but can also be used to find derogatory information that can easily be removed because it violates the rules and regulations around credit reporting. Credit repair services will send legal documents contesting the information on your behalf to the credit bureaus. If the bureaus cannot authenticate the information, it will be removed from your credit report.
Does Credit Repair Work?
It depends on what is in your credit report. If all of the negative information in your credit report is accurate, a credit repair service may not be able to have any of it removed. Remember, only false or unvalidated information can be removed from a credit report. There are ways that credit repair services can work with your creditors to remove certain information from your credit report, such as late payments, but overall it is not easy to get accurate information removed from your credit report.
If you have not checked your credit report for years, there may be inaccurate information on it that can be contested, but if you have checked your report and you know that all the information is accurate, it might not be cost-effective to sign up for a credit repair service.