Bankruptcy lets you resolve your debt under protection from a federal court. Chapter 7 bankruptcy, the most common form, erases most unsecured debts in four to six months. It’ll also stop calls from collectors and prevent lawsuits against you.

Apply Only For The Credit You Need

Our restoration program focuses on disputing the negative, inaccurate accounts from your report, along with establishing the positive trade lines to rebuild your credit score. Having public records against you is hard enough, it is even worse when they are impacting your credit scores. We can help remove public records that are inaccurate and unverifiable from your credit. During our years in business, we’ve built a team of certified credit analysis specialists that have the expertise and experience to fix the poorest of credit scores.

Monitoring The Progress

Generally, settlement fees tend to be up to 25% of the total enrolled debt, though it may be as low as 15%, depending on your state of residence. Our partners cannot pay us to guarantee favorable reviews of their products or services. But with some planning and healthy financial habits, it’s possible to restore your changed credit. Having a high credit score can make it easier to get a loan, rent an apartment, or lower your insurance rate.

These amounts are not available on Accredited’s website, either, meaning potential customers will likely have to call Accredited to verify fees. Other large debt settlement companies disclose their fee amounts online. Credit repair services are typically set up as monthly subscriptions, with fees ranging from $50 to $100 depending on the service offered.

☝️ The credit reporting agency has to prove a disputed debt belongs to you. To understand your credit is to take the first step toward building your financial future. creditrepair why we would like to offer you reports and monitoring tools, along with financial advice and best practice tips to help you make sense and understand your credit. You’ll begin with a free consultation to assess your credit history and discuss the best strategy for repair. From there, Ovation’s specialists review your credit profile in detail, flag questionable items, and recommend targeted dispute options. Since its foundation in 1989, Sky Blue has earned a reputable standing in the credit repair industry.