Terms of service must be outlined in a written contract, which has to include payment structures, an estimated time frame to complete the credit repair service s, and any performance guarantees. The Credit Repair Organizations Act also forbids credit repair companies from using deceptive advertising practices, such as making false promises. It’s also a great choice if you have a limited budget and are seeking a credit repair service that offers low initial work fees. These fees can be costly, so the fact that The Credit People charges $19 sets it apart from competitors. While this company doesn’t offer a money-back guarantee, it does let you cancel at any time, and you won’t be charged for that particular month of service. Costs (15%) – Many credit repair companies have developed a poor reputation of charging high fees while delivering little-to-no results.

Our Services

Every person’s credit file is unique to them and so should the cost of their individualized credit repair action plan. The credit repair cost will vary based on the company and the credit repair program available. The Phenix Group does not do up front pricing for our credit support, nor should you settle for any credit repair specialist that does charge an upfront payment fee for their credit services. We do not provide a cookie cutter credit program; therefore, we can’t give a definitive work fee until a proper analysis has been conducted and an action plan written out by a credit repair analyst.

Most Affordable: Credit Firm

Lastly, Credit Firm doesn’t have any hidden or extra fees you need to worry about. You can cancel your service anytime without obligation or penalties. Credit Saint will waive their first-work fee and only charge the monthly package fee along with yours for the next billing cycle.

How To Compare Credit Repair Companies

Our intelligent prioritization system focuses on the most impactful items first for faster outcomes, while account preservation ensures your positive credit history remains intact. Use the progress tracker dashboard to view dispute updates, score trends, and more at a glance. We utilize top-tier encryption for complete security and provide adaptable letter templates aligned with FCRA standards. Strengthen your disputes by uploading key documents like billing statements, ID proof, or payment receipts. These files are stored with bank-level encryption and linked to specific dispute claims, helping ensure accuracy, compliance, and a higher chance of successful outcomes during the credit repair process.

Los Angeles Credit Repair is among the first to provide proactive identity theft protection to its clients. It partners with FBI Law Enforcement Executive Development Association (FBI-LEEDA) to secure clients from identity theft. Despite Raleigh’s strong economy, many locals face credit challenges. Whether it’s from student loan debt, credit card issues, identity theft, or medical bills, even small financial missteps can damage your score and hold you back from reaching your goals. In fact, the average credit score in Raleigh still falls short of what’s needed to secure premium rates on home loans or business financing. … Fix or Dispute Any Errors that may be on file with the three major bureaus (Trans Union, Experian®, and Equifax®).