These are the legal credit repair professionals we recommend – and the reasons why
"Thousands now have good credit who never thought they could"
Some frank talk about removing negative items from your credit report. The popular belief is that timely and accurate negative items cannot be removed. That’s BS. The real world experience and what the law says is that any negative item must be removed from your credit report if the reporting credit bureau cannot prove that it is not inaccurate, incomplete or misleading.
Who should use a credit repair specialist? Anybody who tends to avoid confrontation in difficult situations or who is likely to go away the first time the credit bureau says no!
As an attorney I do not hesitate recommending Lexington Law Firm to my own family members. The firm has handled hundreds of thousands of credit dispute cases with an excellent record of success. They openly publish their results on the Lexington website for anybody to see.
The firm has by any measure a staggering amount of experience in successfully resolving credit report disputes. That kind of experience cannot be substituted at any price because they know what works, which buttons to push, in almost any situation. Regardless of the seeming uniqueness of your personal situation you are not going to be a test case, or somebody the firm will go to school on.
Lexington has found from experience that credit bureaus, creditors, and collection agencies will often not release any information to a third party, even a lawyer, without prior written authorization from the consumer, even if that authorization accompanies the attorney letterhead. Most often the credit bureaus will not even indicate their refusal to accept the material for 30 days, delaying the objective of better credit scores by at least that much. Lexington has learned that the process works faster by providing the consumer with a completed letter that they can sign and send from their own address. This also mitigates the tendency of the credit bureaus to reject letters postmarked from a different state than the consumer’s address.
Other online law firms that specialize in credit report repair, like Ovation Law, conduct the dispute process similar to Lexington. I do not want to talk down any other firm, but the conclusion I made is that for a few dollars difference, I want to go with the one I know is the best, regardless of how competent the other firms may be in their own right.
You can go directly to Lexington Law Firm here.
“I wanted to take a moment to say thanks for your diligent work on my behalf. Because of your efforts, my credit report score has increased by more than 200 points!!! Keep up the GREAT WORK!! Thank you very much.”
— C.M., Lexington Law client
“Thanks Lexington Law Firm for all your help. I appreciate all you have done to clear my credit. So much progress was made in such a short time. You were very professional and very helpful at all times. It was nice to get someone on the phone whenever I needed assistance. I will keep you in mind if I ever need anything else.”
— D.S., Lexington client
The folks at Sky Blue Credit Repair are not lawyers but they are every bit as professional and every bit as effective. Sky Blue has been doing consumer credit repair since 1989. They have a perfect record with the Better Business Bureau.
You can check them out. They have earned the prestigious Fair Credit Reporting Act Certification from the Consumer Data Industry Association.
I recommend Sky Blue as a good alternative to Lexington based on price. The start-up fees are similar ($99) but the monthly retainer at Sky Blue is less and their service is all inclusive at one monthly price ($49). Remember, there are three distinctive players that have to be dealt with differently – credit reporting bureaus, creditors, and collections.
Lexington’s fee schedule scales upwards from credit bureau disputes and includes creditors and collections only at higher monthly fee levels. Sky Blue deals with all of the credit scoring players in their basic plan as may be required by your particular case for the same, low monthly price. You will not get pushed into a higher price on a difficult case.
Sky Blue understands the rules of the game. Their business model is optimized to focus the most attention on those things in your credit history which will most likely increase your FICO credit report score. Sky Blue would also help you with your situation to determine if adding another credit card to increase your available credit would help or hinder your credit report score.
What finally convinced me to include Sky Blue in my short list is that Sky Blue offers a 50% spousal discount on both start-up and monthly fees. Since many, if not most, credit accounts are joint accounts you probably need to work on the credit reports of both husband and wife to get the best results.
You can go directly to Sky Blue Credit Repair here…
"It’s such a relief to see the changes in my credit report. Signing up for your credit repair program was a great decision. Keep up the great work!"
- Andrew J. Sky Blue customer
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