Sky Blue Credit repair company runs their program differently from the others. They charge a flat fee for their service. Plus, they allow clients to try before committing to the service. The company has 30 years of experience under its belts. It explains why their process is straightforward.

The company takes pride in its faster 35-day cycle, all-inclusive service package and flexible payment plan that includes pausing service. In addition, Sky Blue Credit offers a condition-free refund policy, education center, and stellar customer service.

For individuals who have doubts about working with a credit repair company, a free consultation is available to them by phone. If the individual likes what they hear, they begin the enrollment process.

First, fill out the online form. Next, the service receives the customer's credit reports. Their team goes over the reports line by line. They start identifying questionable entries from the beginning. The team also starts identifying opportunities to improve the individual's credit score and report. They identify credit rebuilding opportunities too.

In addition to offering a flat-fee program, the plan includes several benefits such as: no upgrade charges, no piggy-back charges, flexible payments and an anytime cancellation policy.

The plan includes the following services: professional, expert analysis and dispute identification, 15 disputed items every 35 days, score assistance and education, credit rebuilding guidance, debt validation, goodwill letters, and finally cease and desist letters.

Price: $79 per month plus $79 set up fee, $119 for couples per month plus $119 set up fee

The Credit Pros credit repair company is another one driven by artificial intelligence. Their services are efficient. They also add value for their clients by offering educational opportunities.

Right off the bat, the credit repair service flexes its muscles. The company points out that it has successfully serviced over 100,000 clients over 10 years. It highlights that its solutions receive power from AI.

This credit repair company offers: simple to read credit reports, personalized score insights, tools and tips that provide education, strategies for future credit decisions, and credit monitoring services.

While other companies add fees for premium services, The Credit Pros include several in their packages. The packages are Money Management, Prosperity Package, and the Success Package.

Clients of The Credit Pros receive: 1. IDCover to protect from Identity Theft. 2. Credit Sentry to monitor your credit and alert you of changes. 3. CreditRepoair.ai to programmatically repair your credit. 4. Cash Rules to help you manage your finances.

The benefits don't stop there. They continue with premium services without an additional cost including: One-on-one planning, ID theft restoration & insurance, 24/7 access to their client portal, debt validation letters, and monthly planning with unlimited dispute letters.

Money Management. The basic plan includes: CreditSentry, IDCover and CashRules

Price: $49 a month

Prosperity Package: Inlcudes the services from Money Management Plan and: Access to Slash Rx, credit restoration with the three bureaus, snowball and avalanche debt system, TCP legal network, and debt validation letters.

Price: $119 a month

Success Package. Includes all the services and benefits of the previous tiers in addition to: access to Hutton Chase Department store line of credit and Reporting to Experian and Transunion.

Price: $149 a month

Ovation Credit Services by Lending Tree offers a complete package.

In addition to their credit repair services, they provide credit education and credit monitoring. They have the best cancellation policy. If a customer doesn't see results, the company immediately refunds the fee for the month. Other companies make clients wait 90 days.

The cancellation policy is only one reason why Ovation Credit Services ranks among the credit repair companies.

Individuals who have experienced problems with their credit report and candidates for this company's services. They believe that the first step toward improving a credit report is to fix any problems it currently has; it starts with improving the individual's credit.

This credit repair company has three focus areas: Identify and correct credit report errors, provide credit education and tools, and monitoring the customer's credit.

Founded in 1976 and incorporated in 2004, the company has helped correct over one million credit reports. They average 19 corrections per client. Even though the services come in a package, there is plenty of room customization. Ovation emphasizes that a person's credit score impacts their ability to borrow. Their approach takes four steps.

First, a company credit specialist analyses the customer's credit report. They also look over the customer's financial background. The goal is to match the client with the appropriate program.

Next, the customer signs up for an account. The account gives the client access to a case advisor. This begins the process and the Dispute Manager. The Manager goes through the credit reports and identifies areas that require resolution.

As the Manager does its job, the client can remain at ease that their case is receiving the necessary attention. The process of correcting inaccuracies begins.

Lastly, the client receives access to their account online. By setting up an account, they can check the progress 24/7. Simply log into the Case Management website. In addition, the client receives email notifications.

Plan features include: affordable customizable services, same-day service, one-on-one customer services, and personalized dispute options. There are two plans, Essential and Essential Plus

Essentials. This plan includes: personalized dispute options, access to a Case Advisor, and Financial Management Tools.

Price: $79 per month plus $89 first work fee

Essentials Plus. Essentials Plus includes the Essentials Services and: Unlimited challenge validation letters, unlimited goodwill letters, recommendation letter from Ovation and TransUnion credit monitoring.

Price: $109 per month plus $89 first work fee

Credit Karma launched in March 2008. The company's goal always revolved around giving consumers free access to their credit report data. The founders believed that consumers could make better financial decisions if they understand their financial information.

Things went well for the Credit Karma team. In 2011, they launched their Approval Odds tool. Based on their credit score and report, members could see whether or not lenders might approve them for an array of credit cards.

In 2012, the credit monitoring service launched its daily monitoring services and iOS mobile app. The following year, the company expanded into financial monitoring and tracking. As the credit monitoring service continued to gain credibility, more credit bureaus formed partnerships with them.

Credit Karma added its error reporting feature in 2015, Direct Dispute™. In 2017, the service makes it possible to file taxes for free with Credit Karma Tax™.

Among the several benefits of using Credit Karma, there are two disadvantages. These are the Ads that appear throughout and that they do not report on FICO score.

Instead of reporting the individual's FICO score, the service offers VantageScore, which combines reporting from Equifax and TransUnion.