Consumers are legally protected under the Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transactions (FACT) Act. In addition to these acts, the Fair Debts Collection Practices Act (FDCPA) protects consumers from being unfairly harassed by debt collectors. By offering personalized services, credit repair companies ensure that the legal rights of their clients are protected and maintain the accuracy of their credit scores.
Lexington Law
Lexington Law was founded by a group of attorneys and credit experts in 1991. The company is based in Salt Lake City, Utah, and provides a comprehensive online credit resource and educational tools. Lexington Law provides free credit consultation services and doesn't charge any fees in advance. The company provides credit restoring services and ensures that inaccurate items are removed from its clients' credit scores.
Lexington Law
P.O. Box 510290
Salt Lake City, UT 84151
800-458-5202
lexingtonlaw.com
Sky Blue
Sky Blue is a Fair Credit Reporting Act Certification recipient; the certificate is provided by the Consumer Data Industry Association. Customers can submit an online enrollment form to have their credit score reviewed by credit counselors. Sky Blue charges a one-time fee and offers a 50 percent spousal discount as of October 2010. The company provides customized credit consultation and disputes any incorrect charges on behalf of their clients.
Sky Blue
131 North Swinton Avenue
Delray Beach, FL 33444
800-790-0445
skybluecredit.com
DSI Solutions
DSI Solutions offers online credit repair services and is open seven days a week. The company assists clients by removing negative credit ratings caused by foreclosures, judgments, repossessions, bankruptcies and negative settlements. Customers don't have to pay any up-front fees to obtain a record of their credit scores.
DSI Solutions
101 East Mill Street, Suite J10
Quakertown, PA 18951
215-536-0930
repairyourbadcredit.com
Fowler and Fowler
Fowler and Fowler has been in operation since 1992, offering free online credit evaluations. The company negotiates and disputes any inaccurate negative credit ratings on a client's behalf and disputes incorrect credit reports. Clients have direct access to counselors, which they can contact by telephone or email during normal business hours.
Fowler and Fowler
12722 U.S. Highway 98
Sebring, FL 33876
863-655-1725
fowlerandfowler.net
Ovation
Ovation was founded by a group of attorneys and provides customized, one-on-one credit repair services for its clients. The company offers a free, initial credit consultation and same-day credit repair services. Ovation assists clients with resolving a variety of credit repair problems such as late payments, collections, charge-offs and foreclosures.
Ovation
9310 Old Kings Road South
Suite 404
Jacksonville, FL 32257
866-639-3426
ovationcredit.com
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