While I sincerely believe that the best way to bolster your credit profile is through responsible credit card usage and careful financial planning, I understand that for a lot of you it’s just too late for that sort of advice.  Maybe you didn’t game-plan correctly and you need to repair your credit before you can implement the strategies we usually discuss here that’ll help you secure a better financial future.

With that in mind I decided to take a look at some of the credit repair companies that are out there to see if they’re actually worth the money.  While some do-it-yourselfers can find the time to repair their own credit, a lot of us are just too busy or don’t have the patience to keep up with the state and federal laws and all those letters back and forth from creditors & credit bureaus.

The Best of the Bunch

For those of us in that situation, I found that My Credit Group has what I believe are the most comprehensive services in the industry.  I say “most comprehensive” because as far as I could find, they were the only company to not only offer credit repair, but also debt relief and services that help add new, positive lines of credit.  The majority of credit repair companies just seemed to be dispute mills.

My Credit Group has decided on a very personal approach where you get a personal credit repair specialist that walks you through the entire process.  It’s not like other financial services where you’re dealing with call center representatives and an “anyone can help you with your account” type of environment.

Why I was impressed

At My Credit Group, as should be the case with any investment you make, there’s someone accountable for your financial well-being.  Dealing with the same person every time you call lends a sincere and reliable touch to an otherwise monotonous process.

On top of that, their credentials were excellent:

• Overall Rating of an “A” with the BBB
• Utilized by the US Department of Defense
• Best Customer Service nomination with their Chamber of Commerce
• Licensed, Bonded, Insured & Registered with the Attorney General

A Risk-Free Refund Policy

Knowing how fickle the economic world is, I laugh whenever I see a “100% Guarantee” attached to any financial service.  My Credit Group doesn’t do that though.  They guarantee that they’ll do the work that they promise each month, or you’ll get a free month or that month’s fees refunded.  It’s not an outlandish claim to get you to sign up; it’s just a simple & honest statement of how they do business.

Throw in a free consultation, which means that they’ll lay out a plan for you before you even have to commit, and you see why I consider them to be so “comprehensive.”

If your credit and debt is so far gone that you need credit repair, and you don’t have the time or the patience to go it alone, then My Credit Group really does stand out from the rest of the credit repair crowd.