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Best Credit Repair Companies in Bella Vista

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Best Credit RX logo
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Best Credit RX

70 N. College Ave., Fayetteville, AR 72701
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  • Credit Audit
  • Credit Monitoring

Business Description

Best Credit RX is a woman-owned and locally operated firm serving the residents of Bella Vista and the surrounding areas. It provides credit repair services, removing any inaccurate or unverifiable information regarding foreclosures, repossessions, and tax liens. It also assists with bankruptcies and identity theft. In addition, it helps individuals build their credit and obtain business funding. Best Credit RX has been in business since 2004. It is a member of the National Association of Credit Services Organizations.

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
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Credit Counseling of Arkansas logo
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Credit Counseling of Arkansas

1111 Zion Road, Fayetteville, AR 72703
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  • Credit Dispute

Business Description

Since 1995, Credit Counseling of Arkansas has been serving clients in Bella Vista. The organization helps individuals achieve their financial goals through reviews of their reports from the bureaus Experian, TransUnion, and Equifax. It informs clients on how negative items like late payments affect their scores. It also provides a HUD-approved housing counselor to work with property owners that have fallen behind on their mortgage payments. The organization is the recipient of the Client of the Year award from the National Foundation for Credit Counseling.

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 (33)
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
Kredit Ninja LLC logo
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Kredit Ninja LLC

1 East Center St Ste #330 Unit #554, Fayetteville, AR 72701
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  • Credit Monitoring

Business Description

Kredit Ninja LLC is a locally owned and operated company serving the residents of Bella Vista and the surrounding areas. It provides credit restoration services, with most of its customers obtaining results within 45 to 60 days. Its team performs private assessments, contacts creditors and disputes any incorrect findings, and sends documentation. The company has assisted in credit score increases as large as 200 points. Kredit Ninja LLC has been in business for more than a year.

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 (3)

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
Kreditique logo
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Kreditique

1039 Gutensohn Rd Suite H, Springdale, AR 72762
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  • Credit Audit

Business Description

Kreditique serves the locals of Bella Vista and the surrounding communities by offering various credit repair services. These include credit education and building, three-bureau audit analysis, and 24/7 client portal access. The firm also offers monthly updates and unlimited disputes. It helps people achieve their financial goals, such as buying houses and cars, getting lower credit card annual percentage rates and insurance premiums, and avoiding the need for a co-signer to qualify. Kredetique provides personalized strategies and customized letters for each client.

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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.

Is credit repair legal?

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.

How do you repair credit after identity theft?

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.

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