1
AI-Driven Credit Repair
The Credit Pros logo

The Credit Pros
    • The Credit Pros has been in business for more than 10 years.
    • Provides one-on-one consultations with a Certified FICO® Professional, unlimited dispute letters, debt validation letters to creditors, goodwill letters to creditors and cease and desist letters to collection agencies.
    • 3 credit repair packages to choose from, with the lowest package priced at just $69/month plus a $119 sign-up fee.
    • All packages include 24/7 access to a client portal, as well as ID Cover Darkweb monitoring, TransUnion alerts, real-time account sync, bill reminder and a budgeting system.
    • A streamlined sign-up process only takes 90 seconds.
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2
In Business Since 1989
Sky Blue Credit logo

Sky Blue Credit
    • Sky Blue has been in business since 1989, which says a lot about the company.
    • Condition-free 90-day refund policy
    • One tier service takes the guesswork out of choosing a package that is right for you.
    • Priced at just $79 per month, and $40/month for additional members, Sky Blue is an extremely affordable option for credit repair.
    • Every single feature is included in the $79/month package, including Pro Analysis, 35-day dispute cycle, customized dispute and re-dispute letters, score assistance, debt validation, goodwill letters, cease and desist letters, credit rebuilding, and access to phone support.
    • Ability to pause the membership for a month if needed
    • Includes a couple’s discount, with the total monthly cost for a couple at just $119/month.
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3
Almost 1.5 Million Credit Issues Removed
The Credit People logo

The Credit People
    • The Credit People has been in business for over 15 years and has had nearly 1.5 million credit issues removed for their customers.
    • Provides your credit reports and scores when you begin working with them.
    • Includes access to all 3 credit reports and scores
    • Provides a 24/7 online account access for easy credit management
    • Could help you with credit report issues such as late payments, collections, charge-offs, foreclosure, repossessions, bankruptcies, tax liens, judgements and more.
    • Provides a free credit evaluation so that you can see if The Credit People are a good fit for you.
    • Includes live customer service through phone, chat or email
    • Offers a satisfaction guarantee where you can cancel at any time and not be charged for that month, plus get a refund for the prior month’s payment.
    • Pricing is either $79/month or $419 for 6 months, with all of the features and services included.
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4
24/7 Phone Support
Pyramid Credit Repair logo

Pyramid Credit Repair
    • Pyramid Credit Repair has 10+ years of experience in fixing credit.
    • Provides 24/7 phone support and dedicated account managers, making it easier to work with them and ask any questions
    • Includes a free credit repair evaluation
    • Individual start at a competitive $79/month, though the couple’s package is $299/month, making it significantly more expensive than what some of the other credit repair companies offer for couples.
    • Includes an online dashboard, monthly progress reports, creditor interventions, score analysis, custom dispute process, text and email alerts and more.
    • Offers a 90-day money back guarantee.
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5
BBB Accredited
Credit Saint logo

Credit Saint
    • Credit Saint has been in business for 15+ years and is a BBB accredited credit repair company
    • Includes a 90-day money back guarantee
    • Includes a free credit consultation
    • 3 credit repair packages to choose from: Credit Polish, Credit Remodel and Credit Premium, with prices ranging from $79.99/month to $119.99/month, plus an initial work fee.
    • All packages include a score tracker and a score analysis
    • All packages include an online dashboard with full analysis and progress reports.
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6
CreditRepair.com logo

CreditRepair.com
    • Has helped with over 7.5 million removals on behalf of their members since 2012.
    • Has sent more than 23 million disputes and challenges on behalf of their members.
    • Provides a free consultation where you learn your credit score, negative item summary and recommended credit solutions
    • Pricing starts at just $49.95, making CreditRepair.com one of the most affordable credit repair options.
    • Works with all 3 credit bureaus.
    • Provides ID Theft Insurance, FICO® score update, bureau challenges and disputes, creditor interventions, a personal online dashboard, score tracker and analysis, email and text alerts and more.
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7
Most Clients Served
Lexington Law logo

Lexington Law
    • Includes a free credit report consultation.
    • Has been helping people fix their credit since 2004.
    • Lexington Law has had an astonishing 77 million items removed from their customers’ credit reports.
    • While not all credit repair companies are lawyers, Lexington Law is a law firm.
    • Provides 3 levels of credit repair: Concord Standard, Concord Premier and Premier Plus.
    • According to their website, 77% of their clients who have had their credit scores improved saw an average increase of 40 points.
    • Provides a military and spouse discount.
    • Includes Fraud Alert and Identity Protection
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Are you a Georgia resident who is drowning in debt? Is your credit score sinking lower and lower every week? If so, it is time to take back control of your finances and your life. There are a few different ways that you can go about fixing your credit. One of the most efficient methods is working with a credit repair company that can help you to consolidate your debt, get rid of late fees and overdue payments, and also work on rebuilding your credit score. As a Georgia resident you deserve to get everything life has to offer, so why let bad credit hold you down when a credit repair company may be able to help?

Overview of the credit industry in Georgia

Georgia is one of the most affordable states in the US. It tends to be among the states with the lowest cost of living in the US. Despite this low cost of living, Georgia has higher credit card debt on average than most other states. The average in Georgia is $5,493, around $300 above the national average of $5,193.

Unfortunately, the average credit scores in Georgia are below the national average. While the national average in the US is 714, Georgia is at a below-average credit score of 693. This is on the lower end of the scale for a good credit score, but there’s still room for improvement if your credit score is close to the average in Georgia. Credit repair is one of the ways to try improving your score, but only if you have inaccurate or false entries on your credit report.

Laws that effect credit repair in Georgia

State laws in Georgia do impact how credit repair organizations can operate. They’re more restrictive than many other states, nearly outlawing the process completely. The main law dealing with credit repair is O.C.G.A. 16-9-59. Under this law, credit repair is not legal unless a company is assisting you in disputing a transaction that’s legitimately inaccurate. They cannot accept payment upfront for this service, and can only charge you after the completion of the service.

Federal law also applies to credit repair in Georgia. The Credit Repair Organizations Act (CROA) details how credit repair companies can operate, including how they can charge for services, how they can advertise their service to avoid misrepresentation, and how they should word contracts. All contracts are required to be written, with payment only allowed after the service is done, not upfront.

Do you need a lawyer to do credit repair in Georgia?

No, you don’t need a lawyer for credit repair in Georgia. This is a common misconception about credit repair. There’s no official qualification needed to go through the process. You can even do it yourself, but it’s better to work with a reputable credit repair company instead, whether they’re lawyers or not. This is the best way to make sure you get the process done right the first time, so your credit report can be fixed up as quickly as possible.

Credit repair process in Georgia

In Georgia, you can go through the credit repair process by following this 3-step process:

Step 1: Getting ahold of your credit reports

Every year, you’re legally allowed to get a free credit report. There are 3 major credit bureaus in the US that record entries for your credit report, so you need to request a free report from each one. These reports can be requested online or by the mail, allowing you to access your reports in a way that’s convenient for you.

Step 2: Looking for inaccurate entries

Although credit reports are the basis for your credit score, they can sometimes contain incorrect entries. These are entries that either have incorrect information recorded in them or shouldn’t be on your credit report at all. Look closely at every entry, especially the negative ones, to see how accurate it is.

Step 3: Sending in disputes

Dispute letters have to be sent whenever you find a mistake on your credit report. Check which company’s credit report the mistake is on and send a dispute letter to that credit bureau. If the same mistake is reflected on multiple credit reports, dispute letters have to be sent to each different credit bureau that listed the mistaken entry. Once the letter is sent, you have to follow up to make sure the investigation is done properly and leads to the correct resolution.

Note: Although this process is only 3 main steps, it’s more complicated than it seems from the onset. To get it done properly, it’s best to work with a reliable credit repair company in Georgia that’s been through the process many times with others. If you try to do it yourself, you might struggle through and make mistakes that cause delays or other issues instead of getting through it smoothly.

The Effect Your Credit Score Has On Your Finances

Your credit score affects your life more than you may realize. Credit scores determine if you are approved or denied a line of credit such as credit cards, bank loans, or even home loans. In many cases, employers will run your credit to see if you are able to manage money responsibly before they consider you for certain positions. Bad credit also leads to high interest rates, lower loan amounts, and generally shorter loan lengths when you are able to obtain approval. Often people with lower scores end up getting trapped in a cycle of incurring more new debt just to pay off or pay down old debt, which of course leads to an even worse credit rating. This can make it hard to save for the future, or it can even make it difficult to make ends meet.

Repairing Your Credit Through Debt Consolidation

There are several ways a Georgia credit repair company can help you improve your credit score; debt consolidation is one of them. Debt consolidation can seem overcomplicated if you don’t know much about finance, but it’s really easy to understand. Consolidating your debt is simply the process of putting all your bills together into one payment, and shortening your total re-payment time to about one to four years. If you happen to have a very high amount of debt, and then your consolidation may take as long as five years. Consolidation of debt has a variety of names:

  • Debt Settlement
  • Debt Consolidation
  • Debt Negotiation
  • Debt Relief
  • Credit Consolidation
  • Credit Counseling
  • Debt Counseling

Regardless of what it’s called the process is pretty much the same. There are a few ways to achieve your consolidation, the most common being a loan tailored to your debt repayment needs. This is not the only way to consolidate debt, and a Georgia credit repair agency will be able to work with you to create a customized solution that fits your needs.

What’s covered in a credit card debt consolidation?

Many consumers are under the impression that debt consolidation only covers credit card debt, but it also covers medical bills, personal loans, departmental store cards, small business bills under a consumer’s name, and collection accounts. Mortgages and federal student loans have their own re-payment programs and thus don’t qualify for debt consolidation. That being said if you are drowning in debt and have a dismal credit score, consolidation and credit repair is an effective way to go about improving your credit and getting your life back on track.

Removing negative items from your credit report

Getting your debt under control is one of the important steps in credit repair. In addition to managing debt, a credit repair company will also help to remove negative marks on your credit report. Consolidating past due debts and collections items into a single bill will allow credit repair companies to have the individual accounts removed. As you pay down your consolidated bill, the other accounts will start to fall off which will help boost your score over time. When you pair on-time consolidation payments with a lack of collections accounts on your credit report, your score will start to recover and your payment history will also show the progress you have made towards financial management. In many cases, debt consolidation will pay off various creditors and put those debts under one company. So not only will your late and overdue payments disappear, your accounts will be listed as paid off which is good news for your credit score.

Common questions and answers:

  • How much can you improve your credit score in Georgia?

    Depending on how many inaccurate entries you have on your credit report, you can significantly impact your credit score. The more inaccurate entries there are, there better the results from credit repair will be. Payment history is one of the biggest factors in calculating your credit score, so if there are false negative entries on your credit report, they can really drag down your score for no legitimate reason.

  • How much does credit repair cost in Georgia?

    The cost range for credit repair varies a lot, depending on which company you choose to work with. The entire range is somewhere between $99 - $229 per month, but the average cost of credit repair in Georgia is closer to $139 per month. You may need to pay a one-time fee for setup at the beginning of your contract period with some credit repair companies, but this will normally be lower than or the same as the monthly fee.

  • How long does the credit repair process take in Georgia?

    In Georgia, the average time it takes to complete credit repair is around 3 – 6 months. This time range is so wide because credit bureaus are notorious for taking a long time to settle disputes, no matter how prompt you are in getting back to them. Having a dedicated company working on your issue helps it get settled as fast as possible, in spite of delays from the credit bureaus themselves.

  • Are there any cities or towns in Georgia where you cannot get credit repair?

    All cities in Georgia are equally eligible for credit repair. There are no specific restrictions on the towns or cities where you can get credit repair. From Atlanta, Columbus, Savannah, and Roswell to Bonanza, Ocilla, Shannon, and Greenville, every city in Georgia is able to access reliable credit repair from an experienced credit service organization in the Peach State or even out-of-state.

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