Credit Innovations

 

Overview

Credit Innovations is a credit repair company located in Houston, Texas. They have been in business for 5 years and are members of the BBB Greater Houston. On average they increase credit scores 100 points and perform hard removals. 2011 US Commerce Best of Local Business Houston award winner and #1 by report-online-scams.com.

 

Credit Innovations Process

  • They offer a 6 month program for every client

  • Analyze your three credit reports from TransUnion, Equifax, and Experian

  • Then a game plan will be devised specifically to your needs

 

Features

  • They offer free consulting services

  • Free establishment of new trade lines

  • Permanent removals on all 3 credit bureaus

  • 100% Communication Guarantee. 24 hr email response.

     

    Costs

    Clients have 2 options:
    A one time payment: $599 for individuals, $799 for couples
    Payment plan:$249 enrollment and 6 payments of $85 for individuals and $349 enrollment and 6 payments of $99 for couples
    *Military discounts- $50 off

     
    Hey Scott,

    “Thank you very much for your help!!! It means alot to me with good people like you in this world that have the time to chit chat as well as handle business. May God bless you and anyone else who comes in contact with you.”

    J. Thornton.

     
    We would love to hear from you.  Please leave a comment below if you have any experience with this company.  Thank you.

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Contact USA

Contact USA

Overview

Contact USA is a credit repair company that offers a range of credit services that is located in Baldwin, New York.  They claim to have removed over 23,000 entries for their clients.  Their company was established in 1993 and since then have helped thousands of people to remove late payments, collections, charge-offs, liens and judgments from their credit reports. Their business is not Better Business Bureau accredited but they have received an “A+” rating. 

 

Contact USA Process

  • They offer a free credit consultation
  • You will need to obtain your credit reports
  • Will work to remove Late Payments, Defaults, Charge-Offs (Write-Offs), Collections, Foreclosures, Repossessions, Judgments, Bankruptcies, Liens, Identity Theft/Fraud Items, Accounts/Public Records that do not belong to a person, Suits Filed, Incorrect Personal Information, Duplicated Accounts/Public Records, Incorrect Credit Counseling Remarks, and Incorrect Closed/Cancelled by Credit Grantor Remarks

 

Features

  • Link to pay your bill online
  • They will not share you information
  • They are not a law firm

 

Costs

Pricing is not available on the website

They accept checks and major credit cards. 

 

“My husband and I are very satisfied with your service. You are knowledgeable regarding what can be done and are persistent in accomplishing what you set out to do on our behalf. We are very pleased with the results. Thanks.
You did a wonderful job. I will definitely refer your services. Your responsiveness and personal attention was great. “
Esther C., Dix Hills, NY

 

Comments are always appreciated.  Thank you

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Atlantic Credit Repair

Atlantic Credit Repair

Overview

Located in Smithtown New York, Atlantic Credit Repair is a credit repair company that has an average credit score increase in 6 months of 60 points.  They opened in 2008 with the support of a prestigious credit law firm to assist them with implementation of all new credit laws, assist in negotiations and settlements of debts and for the assistance in removal of negative items from our client’s credit files.  Their company is not Better Business Bureau accredited. 

 

Atlantic Credit Repair Process

  • They offer a free credit consultation
  • Provide a link for you to obtain your free credit report, they cannot pull your reports for you
  • You should receive updated credit reports every 15-45 days

 

Features

  • Offer a 100% money back guarantee
  • Provide login access to view your file

 

Costs

Has a one-time fee as low as $495 and they offer payment programs.  During your consultation they will discuss your personal fee. 

 

We would love to hear from you, feel free to leave a comment below.

 

Credit repair takes a lot of time. If you are starting out from scratch, you must take time to get acquainted with the different laws the protect consumer credit rights and how you can exercise those rights. Depending on your specific situation, you then need to draft the proper letter to either dispute a inaccurate item on your credit report, request verification of the accuracy of items on your credit report, or request a creditor to consider the whole life of your account before reporting a negative credit item. Once you write the request, you may not receive an answer right away which means escalating the issue via applicable laws. You have to ask yourself what you are giving up by spending all this time on researching your credit. In many cases, you can pay a credit repair company $50-100/month which depending on your hourly pay at work could be made up in a matter of a couple hours worth of work

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IVS Credit Services

IVS Credit Solutions

Overview

IVS Credit Services is a credit repair company that offers self help service nationwide.  Al Williams the CEO is an expert in the credit industry with over 20 years experience and has helped thousands of people regain excellent credit through his techniques.  The website does not say how long they have been in business for.  Their company is not Better Business Bureau accredited.

 

IVS Credit Services’

  • They offer a free credit consultation
  • Do-It-Yourself Credit Bureau Correspondence Package:

-Included are deletion/dispute and transfer-of-history letters with instructions for removing negative information from your credit reports

-Includes examples of dispute forms and what to say for various types of accounts

-Also included are examples of actual credit reports showing the improvement in scores after 
submitting these forms

 

Features

  • Audio book available
  • Not a law firm

 

Costs

Audio Book- $9.95

Do-It-Yourself ‘CBC Package’ – $19.95 plus $4.95 shipping

All major credit/debit cards, checks and money orders are accepted.

 

I tried other so called ‘self help credit repair’ services but got bogged down in the bureaucracies (Credit Reporting Bureaus). Al helped me get the negatives removed from my report, establish an excellent credit history and get the loan my family desperately needed. I would recommend his service to anyone needing a solution that really works.

 Rick Brahm - Attorney - Virginia Beach, VA

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720 Credit Solutions

720 Credit Solutions

Overview

720 Credit Solutions is a membership based company that specializes in credit repair and credit consulting.  Located in Irvine California they have over 15 years of experience in financial and credit services.   Their company is not Better Business Bureau accredited.

 

720 Credit Solutions Process

  • They offer a free initial credit consultation to all clients
  • Their company provides a link for you to obtain your credit reports
  • They will work to address derogatory statements on your credit reports.
  •  A credit coach will be assigned to you and they will work with you to resolve derogatory issues. They will also help assist you in establishing positive trade lines to build your credit scores

 

Features

  • They offer a client login portal to access your account 24/7
  • You can cancel anytime
  • They claim a refund policy
  • You will know and have access to the person who is directly handling your credit repair 24/7
  • Their company is not a law firm

 

Costs

Credit Advisor Platinum:

 Singles- $349.00 signup / $349.00 for each additional continued disputes session

Couples- $599.00 signup / $599.00 for each additional continued disputes session

Credit Watch Program- A third party monthly charge of an additional $14.95 will apply.

 

 

If you have any experience with this company please feel free to leave a comment below.

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Sobak Financial

Sobak Financial

Overview

Sobak Financial offers professional credit repair services at a low price and operate in all 50 states.  Located in Murrieta California, their company has been repairing credit profiles for over 15 years.  They are members of the Murrieta Chamber of Commerce and Trusted Business Partners; however they are not members of the Better Business Bureau.    Their credit repair program deals with all kinds of derogatory items like judgments, tax liens, bankruptcies, collections and charge offs.

 

Sobak Financial Process

  • The process can be done in a few steps with it only taking a minimum of 2 months to complete the whole program.
  • They have seen clients Fico scores raise 60-80 points and after the whole process has been completed they have seen Fico scores over 100 points

 

Features

  • They are not a law firm
  • All of your personal information is kept completely confidential

 

Costs

Credit Repair Fee: $495 covers all rounds of disputing and even the cost of settling out any unsecured accounts.

 

“In this day and age, it’s hard to find a company you can trust. Sobak Financial was recommended to me by a friend, and now I know why – the quality of service I received was outstanding. Keep up the good work!”

Victor, Temecula, CA

 

Comments are always appreciated.

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Credit Masters

Credit Masters

Overview

Credit Masters is a credit repair company that was originally based in Los Angeles, California and has been in the financial industry for over 10 years.  They are not members of the Better Business Bureau.  Their company is not a law firm. 

 

Credit Masters Services

  • They will order your credit report with all three credit bureaus during the initial consultation with you present
  • Their company will dispute any incorrect and every possible negative item then properly address them according to your legal rights
  • You can expect results in at least 30 days
  • Credit reports analysis of negative items line-by-line
  • Budget analysis and workbook
  • They offer a Family finance planner
  • Their company will share information on Identity Theft
  • Information on credit score, awareness and maintenance will be giving to you
  • Unlimited disputes, updates and corrections on your credit report from credit bureaus

 

Features

  • They offer a free e-book
  • Claim a satisfaction guarantee
  • You can cancel anytime and no obligation

 

Costs

Master Package A- $350.00 Consultation & Analysis Fee – Payment in Full or $400.00 Consultation & Analysis Fee – 2 Installment Payments of $200.00

Monthly Maintenance Fee – $40.00 for 5 months until renewal

 

Feel free to leave a comment below if you have any experience with this company. Thank you for you help.

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Empire Credit Protection

Empire Credit Protection

Overview

Empire Credit Protection is a credit repair company located in Covina, California that has real people working hard for our clients. They say they have many years of experience in the debt collection industry but the website does not say in what year they opened for business.  They are not Better Business Bureau accredited.

 

Empire Credit Protection Process

  • Offer a free consultation
  • They provide a link for you to obtain your credit reports
  • They have skilled counselors that analyze your credit reports, and then determine the best possible plan for maximum results.
  • Draft unique and individual letters to the credit reporting agencies or to the creditors.
  • All inaccurate, incomplete or unverifiable accounts must be removed or updated.

 

Features

  • They offer a login portal
  • Not a law firm
  • Link to view sample client results

 

Costs

Pricing is not available on the website.

 

Comments are always appreciated, please leave a comment below.

 

Credit repair takes a lot of time. If you are starting out from scratch, you must take time to get acquainted with the different laws the protect consumer credit rights and how you can exercise those rights. Depending on your specific situation, you then need to draft the proper letter to either dispute a inaccurate item on your credit report, request verification of the accuracy of items on your credit report, or request a creditor to consider the whole life of your account before reporting a negative credit item. Once you write the request, you may not receive an answer right away which means escalating the issue via applicable laws. You have to ask yourself what you are giving up by spending all this time on researching your credit. In many cases, you can pay a credit repair company $50-100/month which depending on your hourly pay at work could be made up in a matter of a couple hours worth of work.

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My Professionals

My Professionals

Overview

My Professionals is a credit repair company located in New York that has a experienced staff of financial professionals that can help you through every phase of the credit repair process.  Their goal is to reveal the truth behind credit reporting and offer a legal and fair credit repair solution for you.  It is their aim to educate and teach you how to restore and maintain your credit.   They are not members of the Better Business Bureau and the website does not say how long they have been in business for.

 

My Professionals Process

  • Their company offers a free credit consultation
  • They will dispute all negative items on your credit report
  • Each dispute is custom drafted. They do not use form letters.
  • They work through each of your credit reports to resolve all negative.
  • They operate within the legal framework of the FCRA and pursue your right under Federal Law

 

Features

  • They are not a law firm

 

Costs

Pricing is not available on their website. 

 

 

Lance,

I want to thank you for your help in restoring my credit.  I honestly did not know where to start and thought that my situation was hopeless.  I appreciate your help in getting my nerves settled and educating me with the facts of Credit Repair and the processes needed to restore my credit. 

Bob  L  (Long Beach NY)

 

Please feel free to leave a comment below if you have any experience with this company.

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Credit Lab

Credit Lab

Overview

Credit Lab is a credit repair company located in Lancaster Pennsylvania.  Their company is not Better Business Bureau accredited.  The website does not say how long they have been in business for.

 

Credit Lab Process

  • They provide a link for you to obtain your credit reports
  • Your information will be set up in their system and they will begin the dispute process with the three major credit bureaus
  • First cycle, which will last approx. 45 days
  • Forward all mail you receive from the bureaus back Credit Lab

Features

  • They offer unlimited disputes and deletions
  • Toll free phone and email support
  • Claim a refund policy
  • You can cancel anytime without penalty
  • They are not a law firm

Costs

Single- $69 setup fee then $49 per month

Couple- $99 set up fee then $74 per month

Their company accepts all major credit cards or bank draft

 

 

“I would, and have recommended a lot of people to Credit Lab. Their program is working great for me they were able to get over 80 deletions from my credit file. Credit Lab will definitely do whatever it takes to get the results you are looking for with some patience. Like they say, “It takes time to get bad credit, so it will take a while to fix it.” But it is definitely an investment that anyone should make who has ok or bad credit.”

A. Paraschiv (Lancaster, PA)

 

Feel free to leave a comment below if you have any experience with this company.

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