Credit Repair Companies Can They Really Help Your Credit Score?

As a mortgage loan originator who has worked with a lot of credit challenged clients I’ve had the chance to review numerous credit repair companies. Some have been expensive local operations who take their sweet time and who over promise and under deliver. Some credit repair companies have been larger up and coming credit repair companies that really weren’t outfitted for the type of volume that they had and therefore communication with the client was lost and the campaign wasn’t as effective. Most of these companies simply haven’t delivered with worthy results.

Of all the credit repair companies I’ve worked with really only one has deserved my continued referral over the years. Their name is Lexington Law, they are a low cost credit repair attorney group and they flat out get the job done. They do have a large volume but every client has a personal attorney looking over their case and every time you call during business hours you will get a paralegal on the line who has access to your case and can answer any questions you may have.

How Much Do Credit Repair Companies Charge?

Using the word attorney probably makes you think Lexington Law is expensive right? They are actually among the cheapest credit repair companies I’ve ever used. Like some of the other high volume operations they have a modest up front charge (around a $100) and an even more modest no contract monthly fee of about $59. They provide credit monitoring free of charge so you can keep track of any changes in your report. If you work with Lexington Law you won’t be in the campaign forever, they work quick. There is an online platform that allows you to see exactly what is being disputed on your behalf and when you can expect any kind of results. You also get to choose a priority level for any negative item on your credit report so they know what it is that you would like disputed first. Other credit repair companies can charge anywhere from $500 to $3,500.

There’s A Big Difference Between Credit Repair Companies!

Not all credit repair companies get the same results. It’s a fine dance that’s played in between the creditors, collectors, and the reporting agencies. Lexington Law knows how to play it best. After finding out about Lexington Law the amount of credit challenged clients I have coming back to me ready to buy has doubled! They work that good, and know credit repair that well. Smaller companies seem to get you temporary results, they just don’t follow the protocol set out by the Fair Credit Reporting Act and as a result issues can come back on your report.

The best credit repair companies know how to correctly dispute anything. Your credit report isn’t iron clad, if the credit or collector can’t document their claim against you or at least document it in a timely fashion then they have no right to continue to report that item to Equifax, Transunion, or Experian.

The reason I made this sight is because I have real world experience in the credit repair business with multiple credit repair companies and I want others out there to experience the same success that my clients have. Whether it’s credit repair, debt consolidation, or establishing new credit I’ve provided the best credit repair companies and services out there for you to use and trust.