Is Credit Repair Legal?
Despite all the controversy surrounding the industry, credit repair is perfectly legal. That point is solidified by the creation of the Credit Repair Organizations Act.
Read more FAQ's Here
CreditRepairReviews
Reviews of the top credit repair companies.
It can be a pretty overwhelming task to decide which credit repair firm to use to help improve your credit score. The sad fact is very few actually take the time to truly help you with a financial plan that is actually effective and legal.
Here are reviews of the top 5 credit repair firms based on facts and useful information for you to decide. We’ve ignored any of their own sales hype and listed only what we feel are the most relevant factors as it pertains to who we think would do the best job for you.
Review of The Top 5 Credit Repair Firms
#1 Rated Credit Repair Company
MyCreditGroup.Com
Three years running, MyCreditGroup.Com is our choice for best in value for credit repair companies. In an industry plagued with opportunists and less than effective methods of credit enhanancement - MCG has continued to put a strong emphasis on honesty. Coupled with a very personalized approach, their credit repair services are effective, reliable and safe.
Services Include:
- A Risk-free Refund Policy
- Award Nominted Credit Repair Service
- Help Reducing Outstanding Debt
- Help Establishing New Credit
- Professional Help With Budgets
- Personal One-On-Credit Coaching
Notables:
- Earned Among the Highest Rating Possible by the BBB.
- Fair Credit Reporting Act Certified
- Nominated for Best Customer Service Award 2007
- Utilized By The United States Department of Defense
- Licensed, Bonded & Registered with Attorney General
- Fees: $99.00 Afer Work Fee- $69.00
- Visit My Credit Group's Credit Repair Services
Our 2 Cents: In a word: Quality! MyCreditGroup.com has tens of thousands of clients who are reporting not only great results, but an education that has proven to be invaluable. MyCreditGroup is a safe choice for credit repair. .
#2 Rated Credit Repair Company LexingtonLaw
They are the Credit Repair industry’s largest credit repair firm and have served over 500,000 clients. Lexington is our #2 choice for credit repair because we feel there is merit in resolving customers’ outstanding debts, a service not presently listed by Lexington Law.
Services Include:
- Credit Repair
- Consumer Advocacy
Notables:
- Licensed Law Firm
- Served over 500,000 Clients
- Licensed, Bonded & Registered with Attorney General
- Fees: $99.95 First Work Fee – $79.95 Monthly
Our 2 Cents: Lexington has been doing credit repair since 1991 and has the largest network of credit correction attorneys with 22 attorneys across 16 states. They removed over 1,000,000 negative items last year alone. If you are looking for an experienced credit repair firm, Lexington is a great option if you don't need help resolving any debt issues..
#3 Rated Credit Repair Company
Ovation Law
Ovation Law seems to just quietly get by. Not making any big headlines, not making any waves...they're just there.
- 15 Complaints on file with Better Business Bureau
- Licensed Law Firm
- Licensed, Bonded & Registered with Attorney General
- Fees: $99.00 Setup - Monthly Fees Vary
Our 2 Cents: Like we said previously Ovation law is just kind of there. Not an exorbitant amount of complaints yet hasn't’t done anything that says “we’re the best”. Probably an ok choice if you don’t want #1 or #2
#4 Rated Credit Repair Company
DSI Solutions
DSI Solutions is under consideration for being dropped from our reviews due to questionable marketing. They claim to be #1 Rated Credit repair business with no substantiation what so ever. They also advertise a discount to pay all fees up front which may be a violation of the Credit Repair Organizations Act
- 12 Complaints with the Better Business Bureau
- Fees: Questionable up front fee of $279.00
Our 2 Cents: We're not big fans of unsubstantiated claims like #1 Credit repair business. Just makes us wonder, if they'll make up claims like that is there anything else we can't trust?
#5 Rated Credit Repair Company
Veracity Credit
It was a toss up between DSI and Veracity for 4th & 5th Place but, we needed to fill 5 spots so we tossed a coin. Our biggest concern with Veracity Credit is that for a smaller firm, 17 complaints with the Better Business Bureau is unacceptable.
- 17 Complaints with the Better Business Bureau
- Licensed & Bonded
- Monthly Fees Vary
Our 2 Cents: Neck and neck with DSI solutions, Veracity seems to be chugging along. The number of complaints we feel is a little high, but I guess nobody's perfect. We just don't see the point with choices like MyCreditGroup.Com & Lexingtonlaw.com