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Best Credit Repair Companies in Hoover

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Abundance Financial Services logo

Abundance Financial Services

2100 South Bridge Parkway Suite 650, Birmingham, AL 35209
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  • Credit Monitoring

Abundance Financial Services delivers credit repair solutions to clients in Hoover. The firm offers consultation services to determine the applicable best practices for maintaining one's ratings. It repairs flagging scores by disputing inaccurate entries with major credit bureaus. The office also provides options for diminishing the burdens of student loans. CEO Davada Davis had to go through the hassles associated with debt and flagging scores. She established her enterprise with an eye toward teaching the lessons she learned through her personal experience.

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Connected Credit Consultants logo

Connected Credit Consultants

420 20th Street North, Suite 2200, Birmingham, AL 35203
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  • Credit Audit

Connected Credit Consultants provides assistance to the residents of Hoover and the surrounding areas. Its counselors help clients looking to make large purchases improve their credit ratings. They remove negative accounts from three credit bureaus, such as TransUnion, Experian, and Equifax, and dispute items that negatively affect credit scores. Clients also receive monthly phone updates regarding their credit reports. Regenia, the founder and CEO, formerly worked as a real estate agent, which she uses to help clients who are buying homes.

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Embolden Solutions, LLC logo

Embolden Solutions, LLC

420 20th St N Suite 2200, Birmingham, AL 35203
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  • Credit Monitoring
  • Credit Dispute

Embolden Solutions, LLC, is a financial service provider that caters to individuals in Hoover and the surrounding communities. It offers a wide selection of credit repair solutions to help customers improve their credit scores. The company provides personalized credit analysis and monthly updates to determine clients' statuses. Its specialists also conduct credit coaching and send weekly education emails to prevent negative credit reports. Embolden Solutions has an online portal where clients can access their accounts 24/7.

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Lux Credit Repair logo

Lux Credit Repair

Birmingham, AL 35005
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  • Credit Monitoring
  • Credit Audit

Lux Credit Repair is a company that serves Hoover. It helps consumers regain confidence in their financial lives by rebuilding their credit. It analyzes reports; disputes negative items that affect scores such as inquiries, collections, bankruptcies, student loans, trade lines, and late payments; and works with agencies to remove inaccurate information. It provides clients with 24/7 access to their files and credit education training to help maintain their positive standing. Lux Credit Repairs carries over five years of industry experience.

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Make it Reign Financial Solutions Agency, LLC logo

Make it Reign Financial Solutions Agency, LLC

3552 Pelham Pkwy #1008, Pelham, AL 35124
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  • Credit Monitoring

Make it Reign Financial Solutions Agency, LLC assists people with bad credit in Hoover and the surrounding areas with credit repair. Its team contests inaccurate or false information in major credit bureau reports, such as bankruptcies, charge-offs, liens, and medical bills, allowing clients to qualify for loans with lower monthly payments and interest rates. Ashley Harrison, the founder, was a full-time educator before declaring bankruptcy at the age of 26 and eventually recovering a year later.

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Queendom, LLC logo

Queendom, LLC

1 Chase Corporate Center Suite 452, Hoover, AL 35244
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  • Credit Monitoring

Queendom Financial Services, LLC, is a faith based woman owned and operated business that specializes in credit restoration, business start up services, budgeting, notary , and life insurance. We are dedicated to helping families reach their financial goals in a timely, professional and cost efficient way. Our home office is based in Hoover, Al and we service clients all over the United States . Beyond our private services we also serve the community by providing education about credit and budgeting through our classes and interactive seminars. Our curriculum is based off of our founder, Jaikia Estes best selling budgeting workbook ‘I am Financially Savvy”.With over 12 years of finance and business experience she has taken away the stigma surrounding credit and financial conversations and is unwavering in her pursuit to helping families reach their full financial potential.

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VIP Score Boosters logo

VIP Score Boosters

Birmingham, AL 35216
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  • Credit Monitoring

VIP Score Boosters is a credit repair company serving clients in Hoover. It offers debt management solutions to help people regain control of their finances. The company also removes inaccurate items from credit reports, such as late payments, repossessions, and tax liens. VIP Score Boosters provides consultations and credit analyses and works with creditors and credit bureaus to rectify inaccurate information using an online process. The company also works with real estate agents, tax specialists, and auto dealerships, all of which rely on consumers with strong credit.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Q: Is credit repair legal?

A: Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

Q: Can a credit repair company remove late payments?

A: Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

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