Joe Mahlow, the founder of ASAP Credit Repair, has been working in the credit industry for over 17+ years and in the Auto and Mortgage industries helping clients to get approved for loans. One night after work, Joe was having a conversation with some co-workers, which steered towards the fact that over half of their clients couldn’t purchase because of bad credit. The next day, he set out to find a way to resolve this problem, and within weeks, he’d bought a credit repair franchise. Unfortunately, unbeknownst to him, the company he’d purchased his new business from was in the midst of financial collapse.

Late Payments & More

Accredited Debt Relief works by negotiating with your creditors to settle your debts for less than you owe. Ben Luthi has worked in financial planning, banking and auto finance, and writes about all aspects of money. His work has appeared in Time, Success, USA Today, Credit Karma, NerdWallet, Wirecutter and more. Learn about the status of FTC online services and website information updates during the lapse in funding. The CreditWise Simulator provides an estimate of your score change and does not guarantee how your score may change. A credit privacy number (CPN) is a nine-digit number that’s formatted like a Social Security number (SSN).

Credit Card Debt

Achieve better credit with CreditDIY’s online credit repair services. The Credit People gives you unlimited monthly disputes with all of its plans, which is a huge competitive differentiator. Many other companies limit disputes, especially with lower-tier plans. Unlimited disputes mean that you might see results in a shorter time frame, as the company won’t be sending a limit of only five or 10 challenges each month. The Credit Pros is currently advertising a $100 off coupon for new customers who enroll in its plans online.

We Improve And Restore Credit

For example, CreditRepair.com does not share their pricing or details on the services included in each package. But with creditrepair , you know upfront what you’ll get with each package, and they offer a 90-day money-back guarantee. Coupled with Credit Monitoring services that will give you the peace of mind. You may have seen the advertisements promising to help you “repair” your credit, but what does that mean?

One of the main ways to repair credit is to immediately start and continue to make on time payments to your current credit obligations. If you have several credit cards, be sure to make each personal loan payment on time. Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer’s credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions.

Stay away from companies that try to lock you into a long-term contract. Contracts with steep cancellation penalties are often a sign of a company that expects customer dissatisfaction. For your protection, we’ll walk you through a simple but secure identity verification step. This keeps your data safe and prevents unauthorized access to your credit repair process. Once authenticated, the software begins syncing with Experian, TransUnion, and Equifax to pull real-time data directly from your credit reports.

If your credit report suffers from discrepancies or inaccuracies, Safeport Law has the expertise to address these issues. Credit Saint has established itself in the credit repair industry over the past 17 years, earning a solid reputation. It offers a free initial consultation for new customers and manages all interactions with credit bureaus once a customer selects one of its service packages. These packages begin at $79.99 per month with a setup fee starting at $99.

If you have multiple negative marks on your report, look for a service that allows more disputes per cycle for faster results. The Credit Pros offers a full-service credit repair solution with a strong focus on financial education and long-term credit health. As the CFPB explains, reputable credit counseling organizations can help by doing things like advising you about your finances, helping you create a budget and presenting workshops focused on money management.