• Legal service plans-Do Not offer 3 Bureau credit monitoring
• Credit Monitoring Services-They monitor your credit but Do Not offer disputing by attorneys
• Identity Theft companies-Only offer credit disputing for clients whose Identity has been compromised (small incidence rates)
• Reactive Credit Repair Services- They can be helpful, but the damage is already done. Most people don’t know they have a credit problem until they apply for a car loan, mortgage, or some other type of credit. Reactive Credit Repair Services cost anywhere between $79 -$149 per month