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How To Start Your Own Credit Repair Business

In some cases, bad credit may prevent you from obtaining a business loan in the first place. If the results show another credit repair company takes the name, consider tweaking the word combination or spelling without compromising the name’s effectiveness. Evaluate whether they have the potential to stand out from competing credit repair companies.

She received her Bachelor of Music degree with an emphasis in Music Business from the University of Massachusetts Lowell and her Certificate in Financial Planning from Belmont University. You can maintain a good credit score by making payments on-time, limiting the amount of credit used, establishing different types of credit, and paying off debt. For each credit repair service we reviewed, we took into consideration each company’s first-work fees. First-work fees go by many names, including advance fees, discovery fees, and setup fees.

Credit repair companies can handle this negotiation, and may be able to convince the creditor or collection agency to agree to remove any negative information from your credit report. They also can send cease and desist letters to get the debt collector to stop contacting you. The next level up is the Concord Premier plan, which costs $109.95 a month. This credit clean up service adds continuous credit monitoring, a monthly credit score analysis, questionable inquiry challenges, and more. Our pick for the overall best credit repair company is Credit Saint. Since 2007, Credit Saint has maintained a continuous A+ rating from the Better Business Bureau, which is unusual among credit repair agencies.

If customers sign up as a couple, the second member receives a 50% discount, which applies to both the monthly and setup fee. If a customer is not satisfied for any reason during the first 90 days of their membership, Sky Blue Credit will refund their money in full. The companies in our list are reputable credit repair services that have been around for over ten years and have positive customer reviews across different platforms. We looked for any history of FTC violations and searched the Consumer Financial Protection Bureau Database to verify any history of customer complaints or enforcement actions. Legitimate credit repair companies will list their prices and services clearly, so consumers can select the right package for their needs easily.

Here are some of the most common methods credit improvement services use to fix your credit. Credit repair companies are worth it when a bad credit score is preventing you from qualifying for a loan or is causing you to pay a high interest rate. The Success Package is $149 per month and includes everything above + a guaranteed $1,500 line of credit.

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