We provide everything you need to “launch” your business. All the technology, website, portal for your customers, admin staff to deliver the services and more. But what you need to bring to the table is the ability to find customers. Then professionally explain the services to them and enroll them. Marketing and Sales. That’s where the value is in any business.
We provide everything you need to “launch” your business. All the technology, website, portal for your customers, admin staff to deliver the services and more. But what you need to bring to the table is the ability to find customers. Then professionally explain the services to them and enroll them. Marketing and Sales. That’s where the value is in any business.

I am looking for a honest company who is transparent about what they could do. I need to get some collections off my credit report. I want to choose a company that has great customer service and one that will be patient with me in explaining the whole process. I want to get my credit score up and be more informed moving forward so that I don't fall into this position again.
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Scott Gibson is the J.E. Zollinger Professor of Finance at the College of William and Mary Mason School of Business. His current research interests include optimal financing strategies for hospitality firms and the effect of institutional investor trading behavior on securities prices. His research has appeared in hospitality-focused journals including the Cornell Hotel and Restaurant Administration Quarterly, Journal of Hospitality Financial Management, the Cornell Hospitality Report and top finance journals including the Journal of Financial Economics, Review of Financial Studies, Journal of Financial and Quantitative Analysis, Journal of Financial Intermediation, International Review of Finance, Journal of Portfolio Management, and Journal of Financial Services Research.
"My experience with CreditRepair.com has been good and effective, considering the bad situation of my credit. What they advertise they will do is true. So far, I'm satisfied. In past years I've worked on credit repair and know how tedious it is & how tenacious you must be. Now, it is almost impossible to keep up with. They changed the rules. CreditRepair.com has taken all that 'work' on and so far, has been worth it."
Reputation: Pyramid actually has one of the strongest reputations of any credit repair service that we’ve reviewed. Most of its online reviews are extremely positive, with user reviews star ratings often beating out profession review star ratings. Although Pyramid has only been around since 2010, its owners say they are trying to reinvent the old credit repair model.
As you become familiar with asset management ratios such as days sales outstanding and days to turnover, you will be able to apply these techniques in comparing your company’s performance against others in the industry and against its own financial history. The ratio analysis tools you learn will help your organization to design and implement initiatives for increased productivity and profitability.
We believe that it is absolutely necessary that consumers are made explicitly aware that most credit problems information is FREE and readily available. Also, there is nothing that a credit repair firm can do that they can't do themselves with the proper knowledge. However, just like any subject matter, there is a learning curve and many need assistance right NOW. No one should have a problem with a consumer willing to pay for clarity and a better way to navigate the system. This is what any good consultant will do in any industry.
Can a credit repair company really help you improve your credit score? The answer is yes. You don’t have to work with one, of course; you can try to tackle any of the previously mentioned issues on your credit report by fixing your credit yourself. Unlike credit cards, a mortgage or online loans, there is no approval process for credit repair, and your credit score will not affect the cost, like it does with interest rates or loan costs. However, most professional services have a better understanding of how credit works, how to communicate and negotiate with lenders, and how to get these things done efficiently and effectively. Credit repair can be a lengthy process, and leaving it to a professional can help you avoid both frustration and failure.
"So far my experience with CreditRepair.com resulted in positive results. They have been working non-stop to help me repair my credit scores. I have hopes that in a few short months my score will continue to increase (which it has been steadily thanks to CreditRepair.com) so I will be able to start looking for my new home before the end of the year."

Lenders and others usually use your credit report along with additional finance factors to make decisions about the risks they face in lending to you. Having negative information on your credit report or a low credit score could suggest to lenders that you are less likely to pay back your debt as agreed. As a result, they may deny you a loan or charge you higher rates and fees.


How much does it cost to do business with some of these credit repair agencies? Looking at the price of six months worth of credit repair service gives you a glimpse into how much you can expect to spend. Most services generally provide about six months of service before completion or cancellation of the contract, so this provides a good benchmark.
Reputation: As seen in recent news, the Consumer Financial Protection Bureau does go after, fine and prosecute any credit repair agencies that are practicing unfairly, in other words, scams. So any company that has been around for decades and hasn’t been investigated or fined by the CFPB usually means they are practicing fair credit repair. There are also independent sites and agencies that review credit repair companies to see how reputable they are, such as the Better Business Bureau, which gives all the companies we’ve reviewed an A- or higher.

A trustworthy credit repair company will have no issues supplying you with complete access to all the work they are doing for you. They should be able to give you access to a well designed and secure online account where you will be able to track the progress they are making. If you find the company cannot provide something similar to this, chances are they are not equipped to handle your personal data.


With Dispute Wizard from SX3 Credit Repair, you just need to select the dispute letter template that you want to use (you can have unlimited templates) and the system will randomly generate the content of the letter based on a database of multiple entries, making sure that no letter is the same or even "similar". This guarantees that your disputes will pass the first requirement of the Credit Bureaus and increase the chances of obtaining a result in the first round.

I am looking for a honest company who is transparent about what they could do. I need to get some collections off my credit report. I want to choose a company that has great customer service and one that will be patient with me in explaining the whole process. I want to get my credit score up and be more informed moving forward so that I don't fall into this position again.
Harnessing the power of being or becoming an Authorized User or a Joint account holder may be just the boost you need to launch your credit profile. On the other hand, it may also be a negative determinant that is dragging down your credit score. Having the primary account holder surgically remove you can have an immediate impact to the good. This is a good place to start because this can be an easy fix that can deliver a lot of mileage.
The way you organize your credit repair business also affects your personal liability. By default, your business will be considered a sole proprietorship, which means that any disgruntled clients can potentially sue you personally. Consider organizing as an LLC to limit your personal liability and keep your business operations separate from your personal finances.

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication. This site may be compensated through a credit card partnership.
@Jon: in reagrds to how many items you should dispute. I don’t think Lexington misled you. It is required to only dispute 3 to 4 items at once because you don’t want the credit bureau agencies to see the the disputes as “frivolous”: a term used in the Credit Repair world. They may not take your disputes seriously and they may decide not to go through with all your disputes.
"I like that you are helping me to improve my credit, even though the price is a little high but it's worth doing it for my future. I just wish it would improve a little faster and also get rid or lower the interest rate on the federal loan, hopefully I can see a better score next month or so. I do plan on getting a new car some time next year or so depending on the status of my credit."
When thoughts of home-ownership become meaningful to you, everybody will tell you that you need to get your pre-approved mortgage financing set up before you go out looking at and bidding on houses.  But before you do that, spend the time, make the effort and navigate the frustration that it may take to get your credit overhauled and polished up. Get your credit score/history/report sorted out before you get pre-approved for mortgage financing! This is not about credit repair, this is about credit correct, and these are simple and effective fixes you can do yourself.
Massive change to your credit score can take a long time. You can’t expect all those negative marks to be removed overnight, so be patient. Even victims of identity theft will need time to repair their credit scores, even when working with the best credit repair services.  A large portion of credit repair companies will need at least six months to repair your credit. This is the average time cited by many of the top companies. It will, however, depend on the details of your specific score and the types of marks that need to be removed.
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