Expertise.com

Best Credit Repair Companies in Hoover

2024

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Website
Hoover, AL
  • Credit Repair
  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Credit Evaluation

Lexington Law logo
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Lexington Law

Hoover, AL
  • Consumer Credit Services
  • Credit Repair

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.3 / 5 (2911)

Price: Free Credit Report Consultation

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

Why choose this provider?

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Birmingham, AL 35005
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
5.0 / 5 (10)
Facebook
4.2 / 5 (5)

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

Why choose this provider?

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)

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

Why choose this provider?

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (70)
Facebook
5.0 / 5 (54)

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

Why choose this provider?

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Website
Birmingham, AL 35216
  • Credit Monitoring

Why choose this provider?

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (5)

Frequently Asked Questions

  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • Can credit repair companies remove bankruptcies?

    A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

  • Can a credit repair company remove late payments?

    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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