Credit Repair Services

Credit Repair ServicesCredit repair services are companies who offer to help consumers repair everything related to their credit like its history, scores and report. For individuals who choose to have professionals manage their credit disputes they turn to these companies. There are two types of credit repair services and these are: credit repair law firms and credit repair companies. Credit repair companies are well acquainted about all that is to know about consumer credit rights. To test whether you chosen credit repair company is a legit one they will give you a definite promise as to when your credit repair service will be repaired.

Shop around and research on the internet about your “target” credit repair company that will really help you to recover financially. Or you can take a look below at our top 3 rated credit repair services. If you do credit repair on your own there are some risks involve since you are not familiar with how the credit bureaus and credit disputes work so it is better to get somebody who knows the ins and outs of credit repair. You must also study about consumer rights and anything that you can use if you do the credit repairing yourself.

The law  has made specific rules and regulations for consumer protection. Because of the proliferation of some scam credit repair companies who take your money and disappear from the face of the planet, a law was passed to clean up the credit repair industry. A reputable legal credit repair service will not charge you money upfront if they are following the law. They can only ask you to pay when they have help you to repair your credit history and scores as well as reports.

Credit repair companies are professionals who has the reputation of finding ways on removing errors in your credit report.  Having professionals on your side can help you make your credit situation better than it was before. One way to gauge if you have the best credit repair company is through its former clients testimonials. To avoid confusion narrow down your list to two credit repair companies that has met the criteria that you are searching for. It is good to choose a credit repair service that has been there for  the longest time since they will not stay in this market if they are doing a sloppy way of  repairing people’s credit in the past.

In a given worse case scenario credit repair service companies  may not be able to clear your debt for you but they can ensure that your credit score will reflect your situation fairly. A remarkable credit repair service can give you the best service, speedy resolution and best possible value for your money. If you are in doubt that your chosen credit repair service company can deliver what it had promised by law you can cancel your contract with them within 3 business days from the date that you signed the contract with them.  Below are our top rated credit repair services.


Our Top Credit Repair Services

#1 Sky Blue

Sky Blue Credit Repair ServicesSky Blue Credit is one of the top ten credit repair companies available today.  Since they are registered with the Better Business Bureau (BBB) you are assured that they have good reputation. This credit repair company is based in Delray Beach Florida. In business since 1989 they have developed a very solid credit repair reputation. With their good customer support even if you feel overwhelm with your credit debts the staff is well experienced to assist you and patiently explain the credit repair process. Their level of dedication to give you the best service is impeccable.
Pros:

  • Offers a solid refund policy in case you don’t get the services that they promised you would
  • Not a single complaint from consumers with the Better Business Bureau(BBB)
  • One simple service plan which encompasses all your credit repair needs
  • Best satisfaction 100% money back guarantee with refund policy
  • Show great results and get tough items deleted like Tax Liens
  • A+ rating with the BBB
  • 20 years of experience in credit repair service
  • Super easy to sign up with their online service
  • Provides discount for couples
  • You can cancel your services anytime

Cons:
No cons seen so far.
Pricing and Service Levels:

  • One Simple All Inclusive Plans: $49 a month plus a onetime $79 setup fee. For this amount you will get unlimited disputes, unlimited creditor intervention and collector intervention
  • Discounts given for Couples: 50% which applies to both monthly fees and setup.
  • Other Consulting Services for No Extra Hidden Cost:
  • Student Loan Consolidation and Rehabilitation
  • Assistance on new credit building
  • Assistance with Debt Collection Problems

Credentials and Ethical Standards:

  • Commitment to ethical and legitimate credit repair services
  • Fair Credit Reporting Act certified
  • Credit Repair Services since 1989
  • Better Business Bureau accreditation

Conclusion:

With Sky Blue credit you will not need to worry about choosing an excellent credit repair service. They provide interventions and validations in an effective manner.  What makes them special is they treat your credit problem as their own. Their combination of detailed attention and mastery of the relevant laws makes them one of the best in the credit repair industry. For individuals who are looking for a good credit repair company Sky Blue is the perfect choice. Their extensive knowledge of the Federal credit laws can help you attain a better credit score. To attest to this one satisfied client amongst the thousands that they have help had said that after seven months his FICO score went from 601 to 733 with 17 deletions of negative items on credit history.  To view my full Sky Blue review please click here.

Business Contact Information:  Sky Blue Credit

Principal:     Mr. James Kemish, President

Address: 131 N. Swinton Avenue Delray Beach Florida 33444

Website:     www.skybluecredit.com


#2 Ovation

Ovation Credit Repair ServicesOvation Credit Services was established on 2004, they are formerly known as Ovation Law. They are located in Jacksonville, Florida and are a member of the Better Business Bureau of good standing. Ovation Credit Services was founded by two lawyers and has grown quickly since then. Ovation specializes in credit repair processes, legal expertise and guaranteed customer service. This company provides a customized approach on how they handle their clients. Each client has their own paralegal assigned to them. Their clients are given their toll free hotline so that they can get in touch with their paralegals.
Pros:

  • Founded by lawyers who are familiar with credit repair laws
  • Unlimited dispute letters
  • Minor complaints from consumers with the Better Business Bureau(BBB)
  • 24/7 access to your account via online dispute manager
  • Best satisfaction 100% money back guarantee with refund policy
  • Licensed, Bonded and Registered with the Attorney General
  • A+ rating with the BBB
  • 6 years of experience in credit repair service
  • Super easy to sign up with their online service
  • Free initial evaluation
  • Provides 20% discount for couples
  • •    No Risk Refund Policy

Cons:
Some complaints with BBB but this is overshadowed by their records of credit repaired.
Pricing and Service Levels:

  • Essentials program offered for $87 for the first work and $37 per month until the work is complete. This program covers all the bases of typical credit report issues which allows you to dispute any item on your credit report that you think is inaccurate.
  • Essentials Plus program is offered for $87 for the first work fee and $57 for the monthly work completed in the previous month. This program offers additional benefits such as letter of recommendation from their in-house lawyer for future credit approvals.

Other Add on Services:

  • Fast track/ Top Priority service additional onetime fee of $25
  • Identity Optimization additional onetime fee of $25

Credentials and Ethical Standards:

  • Commitment to ethical and legitimate credit repair services
  • Fair Credit Reporting Act certified
  • Credit Repair Services since 2004
  • Better Business Bureau accreditation

Conclusion:

With Ovation law you will not need to worry about choosing an excellent credit repair service. They provide interventions and validations in an effective manner.  They may be not yet that well known but they have an edge of having fantastic customer service responsiveness. Their combination of detailed attention, personalized service and mastery of the relevant laws makes them one of the best in the credit repair industry. Their extensive knowledge of the Federal credit laws can help you attain a better credit score.  To view my full Ovation review please click here.

Business Contact Information:  Ovation Law

Address: 9310 Old Kings Road South Suite 404 Jacksonville Florida 32257

Website:     www.ovationlaw.com

 


 

#3 Lexington Law

Lexington Law - Credit Repair ServicesEvery person experiences their own tough times in life. The combination of numerous stress causing factors such as lost of a job, being sick and the bills are piling up seems hopeless. Some individuals have been subjected to credit account charged off which are sent to collection agencies. If your life is similar to this the best thing to do before you are subjected to more ordeals is to ask for help from a reputable credit repair service company. Lexington Law credit repair service is one of the best in this field. Their lawyers can help you fight to remove negative items from your credit reports so that your credit score can be restored to health. Lexington law will not rest until you are satisfied with your credit report results. Lexington has helped over 500,000 clients to improve their credit. You are in control of which items to dispute on your credit report. They have paralegals to work on your credit repair with the three credit bureaus. Their lawyers oversee the credit repair process to assist you if any complex thing arises. Lexington Law also offers a pay as you go feature that allows you to pay for service on a monthly basis. Pros:

  • 19 years of experience with over 500,000 clients served up to date
  • Excellent Better Business Bureau(BBB) record with no unresolved issues
  • Millions of bad credit removals. An average of 8.7 removals from combined credit reports by month 3 and 28.6 removals by month 12
  • Offers special discount for couples
  • Offers free consultation
  • Offers money back guarantee

Cons:

Some complaints with the BBB but this is an insignificant number when you compare this to the amount of bad credit deletions that they had accomplished which is over 650,000 in 2008. Pricing and Service Levels:

  • Lexington Regular: $99.95 setup fee and $49.95 per month
  • Concord Standard: $99.95 setup fee and $69.95 per month
  • Concord Premier: $99.95 setup fee and $89.95 per month
  • Offers 50% discount for couples

Other Consulting Services for No Extra Hidden Cost:

  • In the Concord service levels you have an access to goodwill interventions, escalated information requests and debt validation
  • In the Concord Premier Service level you have Report Watch access which helps to monitor your credit report which can also help you with a monthly credit score analysis which can help you improve your credit scores. You are also given an identity theft insurance with this package

Credentials and Ethical Standards:

  • Credit repair services since 1995
  • Better Business Bureau accredited

Conclusion: If you want a solid legal basis for your credit repair concerns Lexington Law provides the best solution. Having experienced lawyers working with your credit repair gives you an advantage on dealing with the companies that report your credit history to the credit bureaus. Lexington is the true pioneer of online credit repair services.  To view my full Lexington Law review please click here.

Business Contact Information:  Lexington Law

Address: 180 E. 5th Street Tucson, AZ 85705-0001

Unlike many subjects, economics doesn’t automatically spring up in the mind a list of possible career opportunities. Compare economics degree careers with marketing, and you would realize that it will be easy for you to name dozens of jobs in the latter case, wherein the former will leave you thinking hard. However, there’s no dearth of career opportunities for those who have economics degrees. At its very core, the subject is about analyzing the costs and benefits of any decision, and that’s precisely what smart people are supposed to do in every decision they take for a corporate set up.

Deal with other people’s money! 

There are so many investment banking firms that offer good paying jobs to economics degree holders. Clients of these firms are individuals with millions worth of funds, and that makes these jobs high stake. Consequently, the remunerations tend to be pretty good, although the working hours turn out to be scarily long! Also, you might want to consider the fact that reputed investment banking firms only consider candidates with GPAs more than 7, that too from the top 10 colleges of a country, for such jobs. This is because such high profile jobs are more ideally suited for candidates specialized in finance.

Seek safe and secure federal government jobs in statistical applications upon numbers 

Any graduate and post graduate in economics would appreciate the lengths and breadths of mathematical equations and calculations that advanced economics comprises. This is from where you might find several roads leading to economics degree careers. Mostly, government jobs that require statistical applications are open for economics graduates and post graduates. The salaries are not as huge as those associated with investment banking jobs, but the stability of income and the fact that you can enjoy pretty much stress free work more than make up for it.

Teach what you have learnt  

This might come across as the most obvious and easily approachable career path for graduates and post graduates in economics. Teaching jobs for this subject are not tough to find, as most business and finance related courses have different levels of the subject included in the mix. Moreover, there are different levels wherein the job can be sought. An economics graduate can get a teaching job in a school, and a post graduate can find a job in colleges. Again, the salaries are not exactly huge, but you do not have to grey your hairs in order to deliver on your job.

 

Financial worries are sometimes solved when people dip into their pension pots for a cash advance. However this is something that is not to be undertaken lightly as there are many pros and cons to this sort of financial decision. Read on for a few tips about what issues you should be considering if you are considering unlocking the finances in your pension before you had planned.

Are you saving up problems for the future? 

One of the first things to consider is whether you can afford to live on a less valuable pension when you retire. You should consider things like what the state of the health service is likely to be when you retire and what your financial commitments are likely to look like. Will you be wanting to offer some financial support to your children or friends for example. If so, this needs to be taken account of in the long-term pension plan you have.

Taking a lump sum for your pension can be a good idea even if it is likely to cause you financial strain down the line if the ‘here and now’ benefits outweigh the cons that await down the line, for example if your cash advance is to be used to reduce current debt or to invest in something like a business that is likely to generate profit in years to come, then it is worthwhile considering it (even if you need additional finance to set one up, business loans are available form a wide variety of reputable lenders like http://Everline.com). Every decision to dip into pension pots though is unique and personal to the individual concerned. You should always take advice from an independent third party if you are serious about dipping into your pension pot so that you fully understand the implications of this decision.

Tax?  

Most lump sums attract a tax advantage in that they are tax free up to a maximum of 1/4 of the value of the pension, however lump sums also attract tax disadvantages for example they can attract liability for income tax in some cases. All of these issues will either increase or decrease the value of the step of taking a cash advance on your pension so you should think about these practically.

Consider the value of what you can do with a cash advance

The value of any cash advance will be reduced if you have to pay tax on it so this is one of the things you should factor into your decision of whether or not to release funds from your pension fund. This should not put you off getting a cash advance on your pension, if the overall value of this step is still beneficial to you. Be careful to be realistic in your projections of your advantages and disadvantages as if you miscalculate this can cause major problems in terms of deciding whether extracting funds from a pension fund is the correct decision for you.

There are many reasons why people seek the help of a credit repair firm when they want to improve the condition of their credit report. For one, an impressive credit report allows a person to have a higher credit score. This type of credit score can help a person to be approved for a home loan. Alternatively, a person with a low credit score has a lot of trouble getting a loan for a home. He or she may have to continue living in apartments and rental homes for several more years while working to improve a credit score. Sometimes the efforts of a credit repair firm can help the process along at a faster rate. Here are some other reasons why people turn to credit repair firms to help them improve their credit report.

A person with a good credit score and an impressive credit report has an easier time getting a loan to start a business. Bank officials look at the person’s high credit score and know that he or she will be likely to pay a loan back. If a person wants to start a new business and needs a loan to accomplish this goal, a favorable credit report and score both work in the individual’s favor. Anyone looking for a credit repair firm to help them with credit report repairs may want to find Lexington Law reviews to read about other people’s experiences before making a final decision on what company to hire.

Sometimes when a person is applying for a job that requires him or her to work with money in any capacity, the potential employer checks the person’s credit report. If the credit report reveals a lot of financial problems, the employer may not be inclined to hire the person. Alternatively, if the person’s credit report is impressive and the individual has a high credit score, the employer may feel more confident in the person’s suitability for the job.

Finally, a person with a high credit score and impressive credit report is more likely to qualify for a credit card than someone with a low credit score and a bad credit history. Naturally, a credit card company doesn’t want to offer credit to someone who has proven him or herself to be unreliable in paying bills. In short, a high credit score can be a positive thing in many aspects of a person’s financial life.

Today’s successful businesses rely solely on innovative technology. They use all of the latest technology that is available in their industry. But exactly what does it take to make a business successful? What is the latest technology in business that can help you save time while organizing a sales force?

A perfect example of businesses that use innovative technologies to solve financial problems and complex business issues are those that are always evolving and changing their software as well as financial models. They always stay on the cutting edge while other businesses just use the best practices available in their industry. Guess which one is successful while staying ahead of their competition? While using the best practices available in your industry is a good idea it still will never replace using the latest technology for your industry.

Many other businesses use software, technology and the Internet to develop a solid business model. Retail establishments are good examples of how technology can be used to monitor inventory in retail stores. Many other businesses have started to offer an easier selection and have made online shopping more convenient. How can you apply technology to your business? Can you afford to buy the technology you need to evolve your business and compete with others in your industry? There is a lot of software technology that businesses especially in the U.S. can use such as cross communications and Intranet.

Many small businesses are using V.O.I.P also known as Voice Over Internet Protocol. This reduces the cost of telecommunications while gaining an advantage over competitors by having the ability to make International calls.

If you’re looking for technology that is secure while managing your sales force then consider CRM technology.  There are many companies available that sell CRM solutions which can be customized and made private for your business. This software can also be integrated with other traditional software’s within your company that will increase productivity and make your sales force more efficient.

For businesses that are in the retail industry you may want to check out P.O.S or Point of Sale software. Microsoft has a variety of P.O.S software that is cost effective for small businesses. There is also a wide variety of other pieces of technology that are made especially for the retail industry such as using an app to accept credit cards on your iPhone.

If your business is not up to date with all the latest technology for your industry then it will never succeed. Today it is all about speed and efficiency. This is what keeps you ahead of your competitors. The faster you can give your customers what they want the more customers you will get. It’s not just about customer retention, it’s also about providing your products or services to your customers as fast as possible. From the first phone call from a potential customer to placing their first order and receiving their order on time is all about speed. Technology is what provides that speed and makes your company the most efficient it can be.

Three Reasons to Monitor Your Business Credit

All across the country, small business owners rigorously screen their clients, contractors, and distributors before signing a contract, or extending a line of credit. They monitor the credit of their competitors, as well as the credit of their key business partners, but for a variety of reasons, they neglect to monitor their own company’s credit score.

Here are three critical reasons why you need to know your business’s own credit file inside and out:

  1. Correcting Errors and Mistakes: Out-of-date or inaccurate information on your credit record can deter lenders at a crucial moment. If erroneous data on your credit report causes a lender to retract their offer, or if a mistake affects your rates and terms, then your bottom line will suffer. By frequently checking your credit report, you can identify and correct errors before they have a chance to erode your company’s financial foundation.
  2. Avoid Nasty Surprises: Lenders use your credit record as a benchmark. Your credit score and your payment history determine both your rate of interest, as well as your premiums. If your credit score is low, then your company may suffer when a loan or line of credit falls through at the last minute. Avoid unpleasant surprises by examining your credit record at least once a year.
  3. Protect Your Business: Every year, corporate identity theft and credit fraud cost businesses billions of dollars. The damage caused by credit theft can undermine your business by destabilizing cash flow, and ruining your reputation with vendors, lenders, and clients. Don’t let fraud go undetected! Regularly check your credit report for any unusual activity that indicates ID theft, fraud, or false reporting.

 

Use CreditBuilder™ to Assess Your Credit Score, and to Determine Financial Goals

If you want to ensure that your company’s credit is being accurately portrayed, then you need to contact Dun & Bradstreet Credibility Corp., a leading provider of professional credibility solutions.

Dun & Bradstreet Credibility Corp. offers credit building solutions that are designed to help small business owners to position their companies as financially stable, and worthy of credit. With Dun & Bradstreet Credibility Corp.’s CreditBuilder™ program, you can efficiently monitor your credit with unlimited access to your credit scores and ratings.

Your PAYDEX® score is a unique numerical indicator of payment performance ranging from 1 to 100, with higher scores indicating stronger payment performance. Up to 875 payment experiences are used to generate your business’s PAYDEX® score, and as many as 80 of those experiences will be described in your credit report. Suppliers, lenders, banks, and even customers use the PAYDEX® scale to evaluate credibility, and a low PAYDEX® will directly affect your chances of securing financing at a reasonable rate. To improve your score, carefully review your credit file to make sure that it is complete and up to date.



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