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Best Credit Repair Companies in Tucson

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Bloom Credit Repair logo

Bloom Credit Repair

7400 N Oracle Rd. Suite 145, Tucson, AZ 85704
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  • Credit Audit

Bloom Credit Repair serves individuals in Tucson and nearby areas. It offers an in-depth credit analysis that goes through the credit scores of each client and assists in improving their reports. The firm works with credit bureaus and creditors to challenge negative report items that affect the scores and provides guidance through the process. It provides 24/7 live status updates on the improvements of the reports and scores. Bloom Credit Repair was established in 2021.

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Credit Team USA logo

Credit Team USA

1842 S Rocky Mountain Dr, Tucson, AZ 85710
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Founded in 1997, Credit Team USA is a credit repair service company that helps Tucson residents achieve the highest possible credit scores. Its employees analyze credit reports and work to upgrade or eliminate negative information. They compose and deliver appropriate paperwork to the credit bureaus, disputing erroneous or questionable items in the report. The firm assists with late payments, bankruptcies, liens, collections, and judgments. The agency additionally offers credit education, which provides individuals with insight into improving and maintaining credit scores. Credit Team USA uses state-of-the-art software to keep customers updated on the progress of their credit restoration. Clients can also benefit from debt settlements and loan modifications.

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Debt Eraser logo

Debt Eraser

1580 N Kolb Rd, Tucson, AZ 85715
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Debt Eraser is a credit repair agency in Tucson that's been helping families and individuals restore and gain good credit since 2009. The company challenges inaccuracies on credit reports and sends dispute letters to the credit bureaus, seeking removal of negative remarks by citing the FCRA laws. It assists with bankruptcies, wage garnishments, charge-offs, judgments, repossessions, and liens. Clients with poor payment histories or who are facing financial hardship can enroll in the firm's programs to obtain relief and improve their FICO scores. In addition, Debt Eraser provides clients with easy access to their credit files during the restoration process.

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Freedom Debt Relief logo

Freedom Debt Relief

2114 S Freedom Way, Tempe, AZ 85281
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Freedom Debt Relief was founded in 2002 to serve residents of Tucson with credit card debt relief leading to financial freedom. The company's certified counselors work with the credit bureaus and negotiate with creditors to reduce harassment calls to their clients. They offer credit counseling and devise personalized plans to enable customers to budget effectively. The firm also assists with collections, bankruptcy, medical bills, debt consolidation, and settlements. Clients benefit from financial education and customized debt management plans, and they can track their progress 24/7 via the online client dashboard. Freedom Debt Relief is certified by the American Fair Credit Council.

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Lexington Law logo

Lexington Law

203 W Cushing St, Tucson, AZ 85701
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Lexington Law is a credit repair company in Tucson that has helped consumers achieve financial independence and take legal action on their credit since 1991. Its lawyers obtain and review a client's credit reports and create a customized plan to fix negative or questionable items that are affecting their credit scores. Working on a client's behalf, the firm sends dispute letters to the credit bureaus to have inaccurate accounts removed or corrected. For any unverified items that require more correspondence, Lexington Law continues the repair process to ensure that a client's credit rights are fairly represented. The firm also offers personal finance tools and identity theft protection.

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MetaCreditUSA logo

MetaCreditUSA

202 East 12th Street, Tucson, AZ 85701
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MetaCreditUSA is a credit repair company based in Tucson. Credit specialists from this firm audit credit reports, giving demand letters to creditors and credit bureaus to generate account compliance information. They identify report items that need to be improved and take necessary steps to enhance credit scores. They carry two credit restoration packages, namely, good credit package for 6 to 9 months' duration and elite credit package for 90 days. MetaCreditUSA also files regulatory complaints to effect late-payments and account deletion.

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Star Credit Repair logo

Star Credit Repair

4542 E Camp Lowell Dr, Tucson, AZ 85712
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Since 2006, Star Credit Repair has provided credit repair services in the greater Tucson area. It helps clients improve credit scores in preparation for future financial goals, including securing loans and purchasing homes. The team offers credit consultation services to assess credit situations and develop workable repair plans. It works with the three credit reporting agencies to enable instant access to credit scores and challenge the validity of negative items when necessary. The company offers secure online delivery services to simplify the credit repair process. Star Credit Repair delivers daily credit monitoring services that help in maintaining good credit by alerting clients whenever they face a credit issue.

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TCR Credit Repair logo

TCR Credit Repair

22221 S Craycroft Rd, Tucson, AZ 85711
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Serving the Tucson area, TCR Credit Repair provides assistance to residents seeking to resolve errors in credit reports and raising credit scores. The firm handles credit restoration cases and works to eliminate negative items from credit reports by negotiating with lenders. TCR Credit Repair also communicates with credit bureaus and creditors to quickly cut negative items to help improve FICO scores. The company also offers credit repair support in various locations across the U.S.

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Tucson Credit Repair logo

Tucson Credit Repair

2907 E 10th St, Tucson, AZ 85716
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Tucson Credit Repair is a nationally recognized credit repair company in Tucson that helps individuals rebuild their credit and settle debts. The company offers a free credit consultation with one of their trained credit repair specialists to review credit reports and devise an effective action plan. Its consultants assist clients with credit-related issues including identity theft, student loans, and medical bills. By working with the three major credit bureaus, its team of experts can have inaccurate items such as late payments, judgments, bankruptcies, and collection accounts removed. During the repair process, clients can log in to see what negative items have been removed from their credit reports.

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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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