Discover How To Get Perfect Credit Without Getting Scammed!

There are dozens of credit repair services to choose from, but considering there are no licensing requirements or certifications to pass, just about anyone can open a credit repair service and claim to be an expert.  The last thing you want is to get ripped off just trying to fix your credit.

Still, the rewards far out weigh the risks.  A higher credit score means lower credit card interest rates, lower mortgage payments, lower home owner and car insurance premiums, and it can even help you get a better job.  It's estimated that a credit score increase of just 50 points would decrease your monthly payments by $400 a month on average.  And let's not forget to mention avoiding the potential embarrassment that comes with having to show someone your ugly credit report.

The following review will help you to determine which credit repair service is the right solution for your specific credit challenges, as well as help minimize your odds of being ripped off.

The Strategy...

Whenever you have to make any major decision in life, like which car to buy, where to invest your money, or what type of health insurance is right for you, its a good idea to first make a list of the features and benefits that are most important to you.  You wouldn't even look at a gas guzzling 8 cylinder truck if your main concern was gas mileage, right?  So you should approach this task with the same common sense.

According to our research the most important criteria for choosing a credit repair service is:

1. Speed - How fast you'll see results.

2. Affordability - How much it will cost.

3. Service - What you get for your investment.

4. Proof - Can they show proof of results and satisfied customers?

5. Money back guarantee - Under what conditions can you get your money back if you're unsatisfied?

After scouring the internet, we have compiled a list of the 5 highest ranking credit repair services as determined by our search criteria.

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Score More Credit

Lead by nationally recognized credit expert, Brian Diez, this specialty boutique is far and away the best investment for your money. 

• Speed -Truly the fastest of all the services we researched. Documented credit score increases as high as 287 points in as little as 45 days.  In fact, they don't get paid unless you get results.
• Affordability - A flat $1299 with payment plans as low as $27 a week. 
• Service - Includes unlimited disputes with all 3 credit bureaus, verification and validation direct with the creditor or collection agency, negotiation and settlement of unpaid collections for deletion or pennies on the dollar, removal of excessive inquiries, id theft prevention and education, and credit building coaching.  You also get access to your status online 24/7.
• Proof - Their site documents actual before and after credit reports, actual updates from the 3 credit bureaus, and an avalanche of video and audio testimonials from satisfied clients.
• Guarantee - You don't pay until you see results and if they fail to remove at least 25% of the items they dispute within 6 months, then your investment is 100% refundable.

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Lexington Law

Lexington law is the largest and most well known credit repair service in the US.  Overall they have an excellent reputation having served over 300,000 clients nationwide.  If you feel more comfortable with a law firm, they're the best choice.

• Speed - The average client will see some results in 90 days, but the process may take up to 2 years to complete.
• Affordability - Set up fee of $99, then a monthly fee ranging from $39 - $79 a month, depending on your level of desired service. The total cost is unknown, but you can expect to pay about $1047.00 a year.
• Service - Friendly and professional customer service, though you won't hear from them unless you call.  You have to manually login and manage which accounts you wish to dispute.
• Proof- Lots of video testimonials
• Guarantee - If they fail to provide the agreed-upon services to you (as outlined by your selected service level) for any given month, you will not be billed for that month, or will be refunded your fees for that month if your payment has already been processed.

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Ovation is another law firm with a good reputation. Not as large or well known as Lexington Law, Ovation is known for their one on one personal attention.  If you prefer a law firm and have a smaller budget, then Ovation is a good choice.

• Speed - Results come slow, but steady.
• Affordability - Set up fee of $75, then $35 - $55 a month. The total cost is unknown, but you can expect to pay about $735.00 a year.
• Service - Personal one on one attention.  Disputes with all 3 bureaus, validation and good will letters with the source creditor. You have to manually login and manage which accounts you wish to dispute.
• Proof - Just a few written testimonials.
• Guarantee - Each month that you remain a client of Ovation, you pay a Monthly Fee. During any month, if they fail to provide the agreed upon services (as outlined in the Service Agreement provided during the sign up process) to your satisfaction, they will not bill you for that month.

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In business since 1989, Sky Blue Credit has helped thousands restore their credit reports.  They are a well oiled machine that expertly handles disputes against the credit bureaus and collection agencies for you.   If you're someone with just a few negative items and a limited budget, they're a good choice.

• Speed - Results come slow, but steady.
• Affordability - Set up fee of $99, then a monthly fee of $49 a month. The total cost is unknown, but you can expect to pay about $687.00 a year.  Spouse's get 50% off.
• Service - Unlimited credit bureau disputes and unlimited creditor & collection interventions. Credit coaching when applicable.
• Proof- A few written testimonials.
• Guarantee - If you are not satisfied they will refund your money in full.

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 DSI Solutions

DSI Solutions credit repair service has been in business for 7 years and has assisted thousands of customers repair their credit reports and increase their credit scores.  If you don't have unpaid collections to settle, then DSI is a great solution to your credit challenges.

• Speed - You will begin to see results in 45 days.
• Affordability - Set up fee of $19, then 3 monthly payments of $89.00. The total cost is $286.00.
• Service - Friendly and professional customer service.  You and a representative must agree on what you'll be disputing for the guarantee to apply. DSI only disputes negative items with the credit bureaus.  Validating debts with the source and settling unpaid collections are not included, though they do offer assistance building a positive credit history.
• Proof- A few written testimonials.
• Guarantee - DSI offers a satisfaction guarantee that entitles you to a complete refund, excluding any setup costs if enough of your targeted items are not deleted. Targeted items must be disclosed prior to DSI providing any services and agreed by both parties. Removal of fifty percent (50%) or more of the agreed targeted items results in a disqualification of the satisfaction guarantee, and refund of any monies paid to DSI is no longer required.