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Best Credit Repair Companies in Bella Vista, AR

Our Recommended Top 3

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Bella Vista Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



3Top Picks

Learn about our selection process.


featured provider = Featured Provider

70 N. College Ave., Fayetteville, AR 72701 Rating

Review Sources

5.0 (37)
5.0 (3)

Why choose this provider?

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.

  • Credit Audit
  • Credit Monitoring

1039 Gutensohn Rd Suite H, Springdale, AR 72762

Why choose this provider?

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.

  • Credit Audit

1111 Zion Road, Fayetteville, AR 72703 Rating

Review Sources

5.0 (34)
5.0 (8)

Why choose this provider?

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.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Best Credit RX
70 N. College Ave., Fayetteville, AR 72701
1039 Gutensohn Rd Suite H, Springdale, AR 72762
Credit Counseling of Arkansas
1111 Zion Road, Fayetteville, AR 72703


  • 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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