Sky Blue clearly believes that their program will satisfy their clients. They also offer personalized credit help from a case advisor who will become intimately acquainted with your case, along with personalized dispute resolution and same-day service in some cases. Pyramid Credit Repair has been in the business since 2011, although they were originally founded as a software company that aimed to help consumers repair their credit on their own.

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Clients can monitor progress through an online account, including a timeline, progress report and credit analysis. Personalized consultations help identify potential credit inquiry removals. The company’s fee structure ensures you only pay for the services you need. Additionally, MSI offers a money-back guarantee if your score doesn’t improve, adding another layer of security if you’re unsure about credit repair. If you’re reporting an error, you may see an increase in your credit score in as little as three months. If you’re trying to address late payments or other legitimate dings to your score, they can remain on your account for up to seven years.

Amounts Owed / Credit Utilization (30%)

You can read more about our methodology to see how we made our selections. For example, you can compare personal loans that you’re likely to qualify for based on your credit profile. creditrepair , you can get a sense of what rates and terms you have the best odds of being approved for, without doing damage to your credit. If you’re carrying debt balances, make a plan for paying them down. Not only is high-interest debt expensive, but the amount of debt you carry has an impact on your score. Payment history accounts for 35% of your FICO® ScoreΘ, so once your accounts are all current, keep them that way by setting up autopay.

But these errors can be identified and addressed through an established credit repair process. The Fair Credit Reporting Act gives you the right to dispute inaccurate information and have any wrong information removed or corrected. Credit bureaus have 30 days to respond to disputes with a completed investigation, according to the law. Request credit reports from the main three credit bureaus — Experian, Equifax and TransUnion — and verify that the information is accurate. Check for discrepancies with your name, address and other personal info, as well as with account details (like balances, credit limit and payment history) and anything sent to a collection agency. If you find any errors on your credit report, start a dispute as soon as possible.

Step-by-step Guide To Setting Client Expectations In Credit Repair!

View today’s mortgage rates or calculate what you can afford with our mortgage calculator. We go after creditors and Bureaus on your behalf, handling all intricate paperwork and document processing. Debt validation requires that the creditor/data furnisher provides documents such as original contracts, billing statements, etc…, to prove your liability in a debt. In general, you can’t take anything that is true off your report.