Perhaps you have come across of the many online ads that claim to fix your bad credit, but who are the best credit repair companies? It is true that many of this companies are a scam. However, there are credit repair companies that have been in existence for decades and have mastered the rules and ways to bypass those rules so that they can boost your credit score or return your cash back. This does not mean that credit repair services can work for everybody. What you should know is that there are instances where credit repair can increase your score slightly.

It is unfortunate that many families nowadays have bad credit. When your credit score is poor, then it causes a negative impact on your financial status, and it can easily lead to higher interest rates and rejection of loan applications. This is the reason a lot of people have resorted to credit repair companies to fix for them their credit and increase the FICO scores.

Credit repair companies majorly do the repair by removal of negative items on your credit report such as foreclosures, late payments, repossessions, and liens. However, finding the best credit repair service isn’t an easy task. Especially with the many companies that are there to select from, you do not know which one to trust.

Below is a list comprising of the best credit repair companies and a short brief of each company. Each of the company was careful analyzed and reviewed based on a lot of factors such as level of satisfaction of clients, average number of items removed, price and how fast the results are received.

  1. Sky Blue Credit

Sky Blue Credit offers a promise to clean errors on your credit report as well as increase your credit score. Their customer review is exceptionally positive, and they have an A+ rating from Better Business Bureau. They promise to dispute 15 items every 35 days thus they are one of the fastest working agency available.

  1. Lexington Law

Lexington has an extremely positive reputation in the industry. It has more than 20 years’ experience and boasts of over half a million clients. If you are seeking for the best and nothing less, then they are your perfect company. Call them and have a free consultation as well a case evaluation of your credit score.

  1. CreditRepair.com

Founded in the year 1997, it is one of the companies that is well-rounded in the credit repair industry with more than 1.5 million negative items removed from customer’s credit reports. They further offer a 24/7 credit checking, customized online dashboard, and credit score tracker. Even though they are a bit expensive than the other companies. Credit Repair corn provides a quality service that is worth the price.

Now you know, who are the best credit repair companies?



When it comes to managing your finances properly, you have to become aware that we live in a society that does not promote healthy finances. Think about all the commercials you see in between your favorite TV show or football game. They tell you what you need. They promote buying that new car for only $99 per month. They make you think you need the latest technology. And everyone around you is scampering to buy the latest phone and drive the nicest car.

When you bought your first home, you were probably pre-approved for a loan that would strap you down financially. But what do most people do? They buy the very nicest home they can, taking out the largest loan they could, and end up spending the majority of their lives paying interest. If you want to change some of these horrible financial habits, you must first realize that you are going to have to go against the grain. You’re going to have to be willing to be different.
You’re not keeping up with the Jones’s. You’re keeping a handle on your own finances and living within your means. And while that should be the norm, the reality is that you are going to look radically different from those around you But that’s okay because you will have the confidence to know that you are doing it the right way and that you are setting yourself up for a better future. It all really boils down to one major bad habit: living above your means. But that can be broken down into three specific parts.

1. Your home mortgage. It’s a terrible idea to take out the largest loan for the biggest home. You will spend every last penny trying to make ends meet. You’ll find yourself living paycheck to paycheck, unable to save for the future. When it comes to buying a home, don’t follow the crowd by trying to get the biggest, nicest home you can afford. If your bank approves you for 150k, start looking for a home around or under 100k. This will give you some wiggle room.

2. The car you drive. I know it’s tempting to drive the nicest car you can afford. And payments on new cars are fairly manageable these days. But let’s not forget the years and years it can take to fully pay off that new car. As soon as you drive it off the lot, you’ve lost thousands. It’s a better idea to save up to buy a car you can afford out of pocket, even if it means driving a beater for a while. Cars depreciate so quickly that you can and yourself upside down on a car so fast, it will make your head spin.

3. Everyday spending habits financial success is really a matter of simple math. Spend less than you make. There is no worse habit than to make unnecessary daily purchases that add up to be more than you can afford. Some people will buy a $5 coffee every day when they can barely afford their monthly mortgage or rent payment.

Crunch the numbers and figure out how much money you have to spend on luxury items and resolve yourself to stay within your budget. If you can change one bad financial habit at a time, you will be heading toward success. If you’re yet without a home or vehicle loan, avoiding the bad habits mentioned above could be your key to financial freedom. If you’re already in a sticky home or car loan situation, you can still work toward financial freedom by avoiding the bad habits mentioned in step three until you are able to pay off some debt. Hopefully being aware of these bad financial habits will set you up for a more stable financial future.