Credit Repair Companies

There are a number of legitimate credit repair companies out there who can help you legally clean up your credit reports. They can help you dispute the negative items in your credit reports with the credit bureaus based on the guidelines withing the Fair Credit Reporting Act and the Credit Repair Organizations Act. I addition, many credit repair companies will also provide creditor disputation and debt validation services.

Of course, there are also a number of fraudulent credit repair companies out there that you need to watch out for. Many people do not understand how the credit reporting system works and there is a lot of misinformation out there about credit repair. Illegal credit repair companies use this to their advantage and prey on people who do not understand the system or are in desperate need of help.

Choosing a Credit Repair Company

Before using any credit repair company, make sure to do your homework just like you would with any other service. Credit repair is not cheap and a bad credit repair company will waste your money and your time. Before giving away hundreds of dollars for ineffective credit repair and wasting months of your time without seeing any improvement in your credit score, take a little extra effort to research a few credit repair companies to see which one best suits your needs. To help you get started, check out our list of featured credit repair companies below. These companies are the top credit repair services in the industry so it is likely that you will find what you are looking for right here.

Lexington Law

As their tagline states, Lexington Law is "the trusted leader in credit report repair". Lexington Law is by far the largest credit repair company in the country and have helped over 300,000 people improve their credit scores. Lexington Law prides themselves on being compliant with all laws and regulations applicable to credit repair and credit repair companies so you know they are not going to do anything while repairing your credit that will get you into trouble.

Links:
- Lexington Law Home
- About Lexington Law
- Lexington Law's Credit Repair Services

Ovation Law

Ovation Law started out as a Lexington Law clone but has gone on to add some unique features. Notably, Ovation Law allows you to purchase a la carte add-ons to the standard credit repair service unlike most other companies who have pre-packaged service levels. Something to be wary of with Ovation Law, however, is the deceptive advertising on their site. Although Ovation Law states that they have "23 Years Experience", Ovation Law as a company has only been around for a few years. Also, Ovation Law uses a comparison chart on their site with information about other credit repair companies that is incomplete and inaccurate.

Links:
- Ovation Law Home
- Ovation Law's Credit Repair Services

Credit Attorney, P.C.

Credit Attorney is another credit repair law firm based on the Lexington Law model. Credit Attorney even has the same basic pricing structure. While Credit Attorney customers receive basically the same service as Lexington Law customers, the smaller size of Credit Attorney has led many to believe that they provide a more personal service.

Links:
- Credit Attorney Home
- Credit Attorney's Credit Repair Services

PureCredit Credit Repair

PureCredit offers a cheap and easy alternative to the credit repair law firms. PureCredit's credit repair service offers only the basic credit bureau disputes but this is most likely the fastest and most effective way to improve your credit score if your credit reports contain inaccurate on unverifiable information. PureCredit also gives you the ability to start disputing the negative items in your credit reports without having to prove them with copies of your credit reports first.

Links:
- Pure Credit Home
- PureCredit's Credit Repair Process

Other Credit Repair Companies

Aside from these four credit repair companies, there are dozens of other companies out there who provide similar services. Some of these companies are affiliated with other services such as mortgages or debt counseling and some of them have different rice structures. Depending on your specific needs, many of these credit repair companies may be the best alternative for you.

Some additional credit repair companies include:

- Academy Law
- Legacy Legal Services
- DSI Solutions (aka RepairYourBadCredit.com)
- Your Credit Attorney
- Credit Unlimited
- Veracity Credit Repair
- eCreditAttorney
- American Financial Credit Repair Plus
- Sky Blue Credit Services