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In the shadow of the demise of the sub-prime lending market and the downfall of several large financial institutions, having a good credit score is increasingly important. Unlike previous years where through creative lending solutions and over-eager lenders just about anyone to qualify for a new home loan with little or no down payment, banks and lenders are again acting more conservatively with their money. Essentially, if your FICO score isn't over 720, expect to provide a down payment and to only get offered loans with less than prime rates and options. Fortunately, there are things you can do to clean your credit rating. By intelligently budgeting their finances and effectively repairing their credit reports, consumers have been able to raise their FICO scores by over 100 points or more in a matter of a few months - an increase that could save you hundreds of thousands of dollars over the course of a 30 year mortgage. More than ever, people are turning to legitimate credit correction companies to get assistance with disputing and disputing the questionable negative listings in their credit files. Today, there are a number of credit repair companies that are skilled at helping people take advantage of their rights. While it is possible to clean your credit on your own, people have found it is often easier and more effective to hire a credit repair company to perform the work for them. To assist these people, TheTopTens, a website of user generated top ten lists, provides a list of the top ten best credit repair services. According to TheTopTens, the highest rated credit repair company is Lexington Law with numerous visitors reporting receiving excellent results from their credit repair services. Lexington Law is the largest and most experienced credit repair organization. According to the Lexington website, they assisted clients with the removal of 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.
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To see the complete list of the top ten credit repair services or to view other top ten lists such as the car insurance companies.
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