Credit Repair Services: Which Is Best?

In the shadow of the demise of the sub-prime lending market and the downfall of several major lending organizations, having a high credit rating is increasingly important. Unlike the previous decade where through creative lending solutions and over-eager lenders it was possible for almost everyone to qualify for a mortgage loan with a minimal down payment, lenders are again becoming more conservative with their investments. Essentially, if your credit score isn't over 720, expect to pay a down payment and to only get offered loans with less than ideal rates and options.

Fortunately, there are things you can do to increase your credit rating. By responsibly budgeting their finances and effectively repairing their credit, consumers have been able to successfully raise their FICO scores by 100 points in only a few months - an increase that could save you hundreds of thousands over the course of a standard mortgage.

More than ever, people are turning to professional credit correction organizations to get help deleting the questionable negative listings in their credit reports. Today, there are a variety of quality credit repair organizations that are skilled at helping people take advantage of their rights afforded to them under a number of legal acts including the Fair Credit Reporting Act.

While you can work to repair your credit on your own, many people have found it is often easier to hire a professional credit repair firm to perform the work for them. To help these people, TheTopTens, a website of interactive top ten lists, provides a list of the top ten credit repair companies.

According to TheTopTens, the highest rated credit repair organization is Lexington Law with numerous visitors reporting receiving excellent results from their credit correction services. Lexington Law is the largest and most experienced credit repair company. According to the Lexington website, they assisted clients remove over 600,000 negative items from their credit reports last year including late payments, collections, foreclosures, and even bankruptcies.

One visitor to TheTopTens had the following to say about Lexington Law:"Lexington helped me raise my credit score 70 points in 60 days. This gave me the credit I needed to refinance my house to consolidate my debt, buy a new car at a good rate, and have more options to support my growing family. I love these guys"

Companies also ranking well on the list include Sky Blue Credit, DSI Solutions, and Ovation Credit.

By: Richard Guilfoyle

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To see the complete list of the top credit repair organizations or to view other top ten lists such as the top ten best car insurance providers.