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Trying to improve your credit score is a worthwhile goal, considering how important good credit is these days. But if you want to boost that score as fast as possible, you might be considering hiring a credit repair company. If you can’t afford the credit repair costs, looking into cheap credit repair companies may be a good idea. Here’s how some of the most popular cheap credit repair companies can help improve your credit.
You might not get all the extras when you’re paying a lower price for credit repair. But you can still expect to get the help you need to get your credit on its way up when you go with a cheap credit repair company. Here is a few things that the best credit repair companies offer:
Here are some extras that you might not get with affordable credit repair:
Even to most inexpensive of credit repair services offer perks that can be a nice incentive with looking for a credit repair company. Here are some perks that cheaper options offer:
Month-to-month contracts: The law actually requires all credit repair services to allow customers to cancel at any time, so while it is a nice perk, it is also a government-mandated perk.
Money-back guarantee: Many of the cheaper options for credit repair offer a money-back guarantee. Sky Blue offers a 90-day guarantee if you are not satisfied for any reason. The Credit People offer a similar service, but extend it to six months. Credit Saint offers a guarantee if it does not remove any negative items from your credit reports within the first 90 days. All of these services charge around $80 per month, which is the cheapest legit credit repair you can get.
Couples discount: Many credit repair options offer couples discounts, but the more inexpensive services tend to offer the best ones. For example, Sky Blue offers 50% off your partner’s contract if you sign up as a couple. The Credit People offers $20 off your first payment if you sign up as a couple. CreditRepair.com offers $50 off for each partner when they sign up together.
Pause your service: Sky Blue Credit Repair is the only company that offers this service, but it is one of the cheapest credit repair services, so this is a nice option to have for a good price. It lets you pause your service at any time and then start up again without having to pay a new initial fee.
As you work on your credit, you might be worried about how much a repair company will cost. Luckily, the cheaper ones don’t usually cost more than $99 per month, with most costing far less than that. Here is a breakdown of the cost for each of the top affordable credit repair companies:
Sky Blue Credit Repair: Sky Blue costs $79 per month, with a $79 initial fee. You can cancel at any time and it includes a 90-day money-back guarantee. To learn more, check out our Sky Blue Credit review.
Lexington Law: The cheapest tier of service for Lexington Law is $89.95 per month, with a $99.95 initial fee. You can cancel at any time, but it does not offer a money-back guarantee. Check out our Lexington Law review to learn more.
Credit Saint: Credit Saint also has multiple tiers of service, but the cheapest only costs $79.99 per month, with an initial fee of $99.95. You can cancel at any time and it offers a money-back guarantee if it does not remove any negative items from your credit reports within the first 90 days.
The Credit People: The Credit People charges $79 per month, with a seven day trial to start at $19. You can cancel at any time and it offers a money-back guarantee if you aren’t satisfied with the service within the first six months.