Following the demise of the sub-prime lending market, having a high credit score is as critical as ever. Unlike previous years where through unconventional lending solutions and over-optimistic lenders it was possible for almost everyone to qualify for a new home loan with a minimal down payment, lenders are becoming more conservative with their investments. Put simply, if you don’t have a FICO score of over 720, expect to have to pay a down payment and to settle for a loan with less than ideal rates.

Fortunately for those dealing with bad credit, there are things you can do to improve your credit score. By proactively managing their finances and effectively repairing their credit, people have been able to raise their credit scores by over 100 points in only a few months – an increase that could save you hundreds of thousands over the course of a 30 year mortgage.

More than ever, people are turning to reputable credit correction firms to get help disputing and disputing the negative listings in their credit reports. Currently, there are a variety of quality credit repair companies that are skilled at helping people take advantage of their credit rights.

While it is possible to clean your credit on your own, people find it is often easier to sign up with a credit repair firm to perform the work for them. To help these people, TheTopTens, a website of user generated top ten lists, provides a list of the top ten credit repair companies.

Based on the rankings at TheTopTens, the number one credit repair firm is Lexington Law with numerous visitors reporting receiving excellent results from their credit correction services. Lexington Law is the largest and most successful credit repair organization. According to the Lexington website, they assisted clients remove 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.