Acquiring all three reports gives you a comprehensive view of your credit history. With so many credit repair companies out there, picking the right one can feel overwhelming. Make sure any company you consider offers a free credit consultation and report analysis.

Some of the offers on this page may not be available through our website. The security deposit lowers the credit card company’s risk, making it easier for you to get the secured credit card even with poor credit. Use the card for small purchases to avoid reaching your credit limit. Paying the balance on time and in full each month can help improve your credit score. If your utilization rate is 30% or more overall or on a single account, pay down your credit card balances to see a potential boost to your credit scores.

How We Make Money

We will continue to work on your credit and implement results-oriented strategy as long as it takes to get your score where you want it to be. We hire only the best, brightest and award-winning credit analysts that have the same morals and integrity that our company believes in. You can weigh extra features and other offers to ensure they meet your preferences and needs. Meaning all listed features above, such as disputes, challenges, or verifications, are unlimited. So you’ll get recommendations from the same credit specialists measuring your FICO score. creditrepair ‘ll need to wait for business hours to get in touch with Sky Blue Credit professionals.

How Much Can Credit Repair Improve My Score?

Everyone’s credit is different, so the time frames for fixing bad credit and your credit accounts can vary. After we analyze the reports and develop our game plan during your free credit consultation, we can determine how long it may take to repair your credit and improve your score. The time frame will vary based on your financial history, credit cards, loans, mortgage, debt, and other financial factors. Your credit score affects your ability to get loans, credit cards, and even a mortgage.

Late Payments & More

Consumer Reviews (22%) – What actual consumers have to say about their experience with a credit repair agency was taken into account. We looked at a number of consumer review sites — like TrustPilot and Google Reviews — to compile the score. Some previous customers report that Credit Saint offered $15 off its first working fee in the past, although there’s no information about this discount on the company’s site. But Credit Saint gives any family member added to your plan a free first working fee for one month.