Attorney Richard G. Fonfrias, who speaks English and Spanish, helps consumers build new credit as well as manage existing debts and eliminate credit card debt. On behalf of clients, he disputes mistakes or compliance violations in credit reports in addition to rehabilitating defaulted obligations. Fonfrias also offers creditor lawsuit and foreclosure defense services, along with tax lien and reduction defense. If you’re looking for an established credit repair company with good reviews, Credit Saint offers it with over 19 years in business and 200,000 happy customers, according to their records. 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.

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Opened in 2014, Fast Credit Repair Chicago works with clients that need credit repair service s in Chicago. With phone consultations available, the company works with clients to devise customized plans to increase credit report scores, evaluate financial risks, and plan for future purchasing goals. Fast Credit Repair contacts creditors and the three major credit bureaus to dispute any discrepancies regarding negative items, such as foreclosures, collections, judgments, or late payments. Financial Credit Journey provides services to the people of Los Angeles. It specializes in credit restoration and debt negotiation, helping individuals achieve their financial goals. The company aims to help people improve their credit rankings and establish their financial future.

The company has an A+ Better Business Bureau (BBB) rating, and it offers affordable pricing, a $0 set-up fee, and a 90-day money-back guarantee. According to Sky Blue Credit, the average time it takes to see results in our reports is 45 days. Additionally, Sky Blue Credit offers a special discount for couples. This makes it a great option if you want to work as a team to better your financial situation in general or in advance of a home purchase. Offer pros and cons are determined by our editorial team, based on independent research.

Working with a credit repair company can be costly, unlike partnering with a credit counseling agency, which typically offers free or low-cost services and places a greater emphasis on education. For one, credit repair companies are for-profit, while credit counseling agencies are typically nonprofit organizations. While the former offers a limited paid service, the latter takes a big-picture approach to your overall financial health. The lower your credit score, the harder it will be to secure a lower interest-rate loan or credit card. A high credit score can help unlock the best available loans, credit cards, and other financial products. While Sky Blue Credit has many pros, feedback from past customers is fairly limited and existing reviews are mixed.

Instantly Raise Your Fico® Score For Free

The credit repair industry has a bad reputation, and some of it is deserved. Still, there are companies out there that provide legitimate services, and they have been able to help many clients. Because it’s a law firm, you get the expertise of legal professionals with extensive experience in credit repair and credit laws. Credit Firm lawyers and paralegals may use aggressive methods to deal with the credit bureau and your creditors. Altogether we work towards eliminating inaccurate, unverifiable and incomplete information from your credit report.

Most systems now offer automatic card or loan payments or you can set up alerts each month to remind you. Second, keep your credit card balances low–use less than 30% (ideally 10%) of your credit limit on any credit cards you have. Even if you don’t use the credit card, having a longer credit history can help boost your score and improve your credit report card. The free report from the credit bureaus is a credit repair guide to help you evaluate where you are at and identify areas of improvement.