Credit 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 services 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 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 $49 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 Lexington Law

Every 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

Website: www.lexingtonlaw.com

#3 Ovation

Ovation 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