Elite Credit

Summary: 

Elite Credit is by far the most highly effective credit repair company on the web. 

Their dispute tactics are the most aggressive available, they are affordable, offer a guarantee, and there is no record of any complaints ever filed against them. 

Elite Credit is ranked as the #1 company in the nation for Credit Repair resulting in loan approval. 

This is the same company most banks, auto dealers, and mortgage companies use for professional credit repair.

Review: 

Elite Credit executes very unique dispute strategies. 

They use highly effective credit bureau disputes AND direct creditor disputes, which is something credit repair companies rarely ever do. 

They have a perfect Better Business Bureau ranking with no complaints ever filed against them and they offer a strong guarantee to their clients. 

We were surprised to see all the extras Elite Credit gives their clients. 

Customers receive 24/7 credit monitoring to see their results, email updates of all improvement, guaranteed approval for new credit, cease and desist letters issued to creditors, and more.

We rarely see this strong of a company be great with customer service AND affordable, but Elite Credit does it all.   

The pros:

• Unlimited credit disputes monthly
• Credit bureau AND direct creditor disputing
  
• 24/7 credit monitoring to watch the process
  
• Guaranteed approval for new credit
  
• Custom tailored dispute strategies for loan approval
  
• Double money back guarantee
  

The cons:

Elite Credit has investment plans starting at $99 monthly. This is not the cheapest prices we have found on the web. 

We don’t think you can get more for your money though.

Number of Better Business Bureau Complaints:

0

 

   Conquer Credit

Summary: 

Conquer really offers top notch credit services, but at a top notch price. 

With almost two decades of experience they have the knowledge to help fix your credit issues.

Their services will cost you thousands-of-dollars though, so be prepared. 

Review: 

Conquer has been in business for 20 years. 

They offer disputing to both the credit bureaus and creditors direct and phone settlement. 

They take good care of their customers which shows with 0 consumer BBB complaints.

Conquer is most commonly used for businesses and professionals. 

They offer a good service, but at a very steep price. Services will cost you nearly $2,500 to start. 

We have found that you actually receive similar credit services with more benefits and a cheaper cost with our #1 choice above. 

The pros:

• Unlimited credit disputes monthly
  

• Credit bureau AND direct creditor disputing
  

• Phone settlement
  

The cons:

Conquer is one of the most expensive companies out there. 

Just getting started will cost you thousands, and you can get better service at a much lower cost. 

Number of Better Business Bureau Complaints:

0

 

   New You          Credit Repair

Summary: 

New You Credit Repair offers affordable pricing and credit bureau disputes. 

New You is not a really well known credit company, but they do offer consistent disputing and credit monitoring. 

They only dispute limited items per month and their disputes are direct to the bureau, so results are slow to see.

Review: 

New You offers one simple plan which is affordable, but not the cheapest on the web. 

They do also include a credit monitoring service which we really like.

Similar to many online companies, New You Credit Repair processes disputes with the credit bureaus only. 

They make their money by dealing with a large monthly volume of customers, and disputing a few items at a time for each individual.

Most of their success comes with the removal of older negative items, so credit score improvement is slow. 

New You is a good all around company with affordable pricing. 

But like many online dispute mills, results will take some time and you will probably be paying those monthly payments for well over a year.

The pros:

• Affordable pricing
  

• Credit monitoring
  

• 1 simple price plan
  

The cons:

• Only a few accounts disputed each month
  
• Long wait time to see real results
  
• No direct creditor or phone disputing

Number of Better Business Bureau Complaints:

0

 

  Ovation Credit Report Repair

Summary: 

Ovation is another good credit company if you are looking for cheep monthly payments with no care of results or time you will receive your results. 

They have affordable pricing, but they only dispute a few items per month and they only dispute to the credit bureaus.

Review: 

It is said you get what you pay for.  This is the case with Ovation.

They are one of the cheapest companies on the web. 

The reason for these low prices is the limited amount of disputes you will receive each month.

Ovation does have some unique features. 

They offer ID theft protection services, post credit repair review, and they let you cancel anytime.

In the end you have to decide if you want aggressive disputing and results or a cheap service. 

Ovation has the right price, but they don’t use any advanced tactics to help remove recent negative items.

Without those services, Ovation can deliver you some results but not enough to qualify for a loan anytime soon.

The pros:

• Credit education materials supplied

• Post credit optimization review
  

• ID Theft prevention program
  

The cons:

• Only a few accounts disputed each month
• Long wait time to see real results
  
• No direct creditor or phone disputing

Number of Better Business Bureau Complaints:

6

 

   Lexington Law

Summary: 

Lexington is the largest online credit company. 

They dispute for a lot of customers monthly, and to handle the volume they dispute very few items at one time. 

They are very cheap, but only disputing 3-5 accounts at a time means real credit improvement takes a VERY long time with them. 

Review: 

Lexington is one of the most well known credit companies in the nation. 

They have been around since the early 1990s.

Lexington’s focus is on handling a large number of customers each month. 

Their plans are affordable, but they only dispute a few items at one time.

They have a lot of experience but their slow process has been known to frustrate their customers as their 270 Better Business Bureau report reflects.

In the end you have to decide between quality and cost when it comes to Lexington. 

Their system is one of the cheapest on the web, but the results are reflective of the cost. 

The pros:

• Almost 20 years of experience

• Low monthly payments
  

The cons:

• Only a few accounts disputed each month
  
• Long wait time to see real results
  
• Over 270 consumer complaints
  
• No direct creditor or phone disputing

Number of Better Business Bureau Complaints:

270