navigating the world of credit repair can be difficult, and each legitimate credit repair services out there that you are likely to encounter several bad apples. But do not let them spoil the bunch - there are great resources out there to help you get started on fixing errors and inconsistencies on your credit reports. We decided to compare our two highest rated credit repair services - Lexington Law and Blue Sky -. To give you more insight into what may be the best choice
Lexington vs. Right Blue Sky: how do they Stack Up
Price: Lexington Law has a tiered pricing structure with three different packages to choose from. The initial starting fee is $ 99.95 and after that you will have to pay $ 54.95 / month for basic services. If you are faced with more advanced credit problems that require more effort, you can upgrade the Concord package for $ 79.95 / month, and if you like all this, plus the monthly report and monitoring credit protection against identity theft, Concord Premium package is $ 99.95 / month. There is an additional fee of $ 10 for the Lexington right to pull your credit reports during the initial assessment. The service also offers a discount of a couple of $ 50 discount on the starting fees of your partner when you subscribe together.
Blue Sky offers much simpler price. This service fee of $ 59 when you register and from there the cost is $ 59 / month for as long as you have the service. The only additional cost is to get your credit report - you can choose to sign up for a monthly monitoring service credit report for $ 14.95 / month or pay $ 29.95 for one-time access to your reports no monthly obligation. Like Lexington Law, Blue Sky also offers a 50% discount on the cost of the departure tax from your partner when you subscribe together.
The verdict? Blue Sky is cheaper overall, but the Lexington Law provides additional services to cost so better assess what you need before you make a choice.
Services The clear winner in this category is Lexington Law just because Blue Sky does not offer services beyond basic credit repair. Upgrading to the Concord Law Lexington package will grant you debt validation requests, goodwill interventions with creditors and climbing inquiries. The Concord Premium package includes all the advantages mentioned above as well as the credit report followed by TransUnion, with monthly analysis of the improvement of the score, and $ 25,000 in insurance protection against identity theft.
When the basic credit repair comparing the two services offer great job - but it should be noted that the Lexington Law is a real law firm, which adds some influence its work
.Support: After signing with Lexington Law, you will be assigned a paralegal who will work on your case from start to finish. They also provide support in the form of online chat, email and phone number you can call seven days a week between 7 am and midnight ET. The representatives are friendly, courteous and not pushy if you are a customer would have to call to ask questions.
Blue Sky also provides excellent service with guidance through the dispute process, as well as email and phone. Emails are answered quickly and telephone representatives who you can call 9:00 to 5:00 p.m. ET Monday through Friday, are useful. Best of all, they do not pressure you to sign up, which is a nice touch in an industry that is often guilty of high pressure sales tactics.
Reliability: One of the biggest problems that the credit repair customers face is the fact that no company can guarantee results - credit repair works all just not that way. It is important to work with a company that is transparent about its compliance with federal regulations and has strong rating with the Better Business Bureau (BBB). Fortunately, both Lexington Law and Blue Sky have been around a long time and earned a solid reputation. As of March 5, Lexington Law has a B + rating with the BBB, while Blue Sky boasted an impressive A + and accreditation organization.
Regarding guarantees, Lexington Law will not charge you until the work has been done to ensure that you get what you pay for. Blue Sky offers a more generalized 90-day warranty that ensures a full refund within the time period if you are not satisfied for any reason.
Bottom Line: Both companies are reliable and have an excellent reputation in the credit repair industry. Blue Sky has a strong customer support and reasonable prices for basic credit repair, while the Lexington Law is a great choice for those with complex credit problems or who simply want the comfort of knowing that they are working with a firm of real lawyers.
Want to know more about these companies and their competitors? Visit our Credit Repair verification page for in-depth analysis and a comparison chart handy.