Credit repair is a very viable option for those who are suffering from life changes or calamities that have brought their credit into disrepair. While everyone wants their repair process to be as fast as it possibly can, the truth is that credit repair timelines differ from person-to-person. A lot of factors are in play when someone decides to start the process of credit repair.
We’re going to look at the fastest credit repair services currently available to consumers, and how they are able to do what others cannot. This way you can understand all of the factors at play and make a decision based on the facts.
Blazing Fast Credit Repair Services
Having plenty of experience with credit repair, we have gone through our recommended credit repair services that work fast and chosen our top picks for your needs. Keep in mind that credit repair speed is different for everyone. If the disputes are simple and clean-cut, you can expect quick results, but others may take some time.
You should see some kind of results within 30-days after signing up, but again, this is just an estimate. Let’s take a look at our top picks:
#1 – Sky Blue Credit Repair
Sky Blue Credit Repair takes a measured approach to fast credit repair. They promise to send 5 disputes to each bureau for a total of 15 per month. Because they split up their disputes between the three bureaus, they lower the risk of jamming up the system, which less legitimate companies will do on purpose.
Beyond this, Sky Blue totes one of the lowest prices in the industry. At only $59 per month, they are a great value and have a long history of helping people repair their credit.
#2 – MSI Credit Solutions
MSI Credit Solutions are known for their excellent customer service, but they can be on the expensive side. That being said, they take an aggressive approach to credit repair by compiling and submitting your disputes all at once.
It’s important to note that this is different from “jamming” which involves sending disputes for every item on your report. They simply work quickly and do their best to showcase real results within 30-45 days.
#3 – CreditRepair.com
CreditRepair.com is one of the most recognizable brands in the industry. They have a huge suite of options for their customers and plenty of educational items you can read to better understand your situation.
They are one of the more expensive companies on the market, but many clients have reported getting a 40-point increase within 4 months. The huge amount of features and options for clients make this one of the most efficient companies we’ve features on DebtSteps.
Overall, if you’re looking for fast credit repair, and you would also like as many features as possible, CreditRepair.com is the best option.
#4 – Lexington Law
As a licensed and bonded law firm, Lexington Law is an extremely qualified service for your credit repair. They work directly with both credit bureaus and creditors to eliminate as many negative items as possible.
By targeting both of these parties, they can get much better results than you would normally see, and get them much faster. A creditor that is willing to change something can do so faster than the credit bureaus can, and the results will be beneficial to your score.
In terms of customer service, Lexington Law responds quickly to both phone and email. They also offer over 12 different topics for people to learn more about the credit industry and how to keep their credit in good standing into the future.
The pricing at Lexington Law is $79.95 per month, with an option for $50 off if you sign up as a couple. While they do not offer a money-back guarantee, they do get results. They acquire your credit report themselves and work with both the creditors and bureaus.
You can cancel at any time without any penalty, as there are no contracts. This is one of our top picks for their expertise and professionalism, along with their ability to work with more than just the bureaus.
How Fast Do Credit Repair Services Actually Work?
One of the most important things to remember when performing restoration on your credit, is that DIY credit repair is possible. You could technically write your own disputes, pull your own reports, and even get negative items removed, but this is far from the fastest method.
Consider these factors:
- Do you have an intimate knowledge of the credit laws surrounding credit repair?
- How often have you checked your credit reports?
- Do you know what the three credit bureaus are and what they do?
- Are you the only person who will work on your credit repair?
- Do you understand how creditors and bureaus function?
- Do you know which negative items on your report affect your score the most?
How many of these questions can you answer confidently? For most people, the number will be low. This is because many of these questions pertain to skills that are possessed by those who have built a career in the credit and law industry.
That’s why credit repair services often employ lawyers and paralegals who have the knowledge needed to conduct fast credit repair. Beyond the knowledge needed to successfully perform credit repair, you also need the resources to pinpoint and construct strong disputes against both creditors and credit bureaus.
Regardless of how fast a company promises to be, all of them will follow a process similar to this one:
1. Gather Your Credit Reports
This first step is where every firm will start the credit repair process. In order to perform credit repair, companies will need to get your credit report from each of the three bureaus: Experian, Equifax, and TransUnion.
The three bureaus are all responsible for gathering information via your lenders and banks. They use this information to formulate reports that outline your entire financial history. They each have their own sources for this data, which is how mistakes can happen.
A great credit repair service will understand this and gather reports from all three bureaus. Now, some companies can be faster than others in this regard. The fastest credit repair options will gather these reports for you, while the slower ones will require you to do it yourself.
That being said, there’s not a huge difference in speed here, but it does make more sense for the company to get the reports themselves so they can get straight to work on finding disputes.
2. Formulate Disputes
The next step involves finding and compiling cases against the items on your credit report that have been found to be unfair, unsubstantiated, or inaccurate. At this point, your credit restoration agency of choice will go to work creating dispute letters for the bureaus that outline why these items should be removed.
Speed here is dependent on how quickly the agency sends out these letters. In some cases, the firm will go the extra mile and also reach out to your creditors who can also remove certain items of their own volition.
This can be a double-edged sword, however. There’s a type of dispute strategy called “jamming” that we’ll cover momentarily. Suffice to say, sending too many disputes at once can have an adverse effect.
3. Analyze and Repeat
The final step in the credit repair process involves analyzing the results of the second step and moving forward with continued disputes. This is to ensure that all of the possible angles have been accounted for.
When we say “fast credit repair,” we’re talking about a lot of different possible outcomes. For starters, some credit report issues are much easier to dispute than others. Someone’s definition of “fast” can be a single item removed a month, or it can be 5-6 items. It all depends on the outcome of the disputes your agency of choice is sending.
Jamming: Only a Temporary Solution?
Before we close out our discussion on fast credit repair, we should take a look at a strategy called “jamming” that some less reputable companies will use to produce fast results. The concept involves quite literally jamming up the credit review process by overwhelming the bureaus.
According to credit reporting agencies, over 1/3 of the mail they receive is from credit repair companies. Some credit restoration companies will promise to remove all negative items from your report, even if they are correct. Jamming is how they accomplish this.
Rod Griffin, director of public education at Experian describes it by saying: “The long-standing scheme is to send multiple letters disputing exactly the same thing on a person’s credit report, even though they know the information is accurate.”
The goal here is to flood the bureaus with so many letters that a few happen to fall through and items get removed, if only to satisfy the dispute and alleviate the wave of letters. They call it “jamming” of course, because it clogs the dispute process.
Norm Magnuson of the Consumer Data Industry Association says “What they’re hoping is the data furnisher will not respond” in which case the item will be dropped from the person’s as per the Fair Credit Reporting Act, which demands that creditors respond within 30-days.
The funny thing, is that it work temporarily. After the 30-days pass, they are obligated to remove the item from the record. The catch is that lenders have to report to credit bureaus each. That means that the item will most certainly reappear on the report if it’s accurate.
It could appear in a few days or weeks, but it will be back. This entire process of “jamming” is bad for everyone involved because it further hinders the already slow credit industry while also tricking customers into spending vast sums of money on a service that isn’t permanent.
Final Thoughts
At the end of the day, fast credit repair services are out there, but you should understand what “fast” means in terms of credit. You should also be wary of agencies who utilize “jamming” as a means of providing fast, but temporary results. The companies we recommend at DebtSteps are all high-quality and provide legitimate services. Choose one of our recommended firms to get the best results.