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Best Credit Repair Companies in Surprise

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10450 East Riggs Road, Chandler, AZ 85248
Chandler, AZ 85248
  • Credit Dispute

The Credit Repair Agents is a full-service credit repair and restoration firm that helps clients in Surprise. It has a team of credit counselors who provide comprehensive and confidential credit consultation. They legally challenge unverifiable or inaccurate information in customers' credit profiles with the three credit reporting agencies as well as creditors, collection agencies, and courthouses. Additionally, The Credit Repair Agents has an online portal where clients can check their accounts and track their credit score's progress.

10450 East Riggs Road, Chandler, AZ 85248
Chandler, AZ 85248

Website(480) 535-5640

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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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

3 (Good)

Score Consistency:

Consistent (Best)

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

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

12725 West Indian School Road, Avondale, AZ 85392
Avondale, AZ 85392
Instagram
  • Credit Monitoring

Cotton Tree Strong LLC is a credit repair company serving the Surprise metro area and nearby communities. The firm assists people in repairing and maintaining their credit scores by removing negative information from credit reports. Its credit advisors work with credit bureaus and creditors to dispute negative and unverified report items. The team provides a variety of dispute resolution options tailored to the needs of each client, including handling dispute letters on their behalf. The company is headquartered in Avondale.

12725 West Indian School Road, Avondale, AZ 85392
Avondale, AZ 85392

InstagramWebsite(480) 387-1303

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

10 (Better)

Score Consistency:

Consistent (Best)

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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