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Best Credit Repair Companies in Rogers, AR

Our Recommended Top 3

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Rogers 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.

47Reviewed

29Curated

3Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Rogers, AR

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

LC's Credit Solutions is a family-owned business that caters to clients in Rogers. It employs a rapid repair method and uses various tools to dispute derogatory items on the customer's credit report, such as charge-offs, inquiries, collections, and late payment history. It sends disputes to credit bureaus, including Equifax, Experian, and TransUnion. The business works closely with clients to help them obtain maximum results in repairing their credit and provides them 24/7 access to an online portal to view their score updates.

  • Credit Dispute

70 N. College Ave, Suite #14, Fayetteville, AR 72701

Expertise.com Rating

Review Sources

Google
5.0 (37)
Yelp
5.0 (3)

Why choose this provider?

Best Credit RX caters to customers in and around the Rogers area. It provides credit restoration services to aid people in accomplishing their financial goals. It removes various concerns from clients' records, including bankruptcies and foreclosures, student loans, repossessions and collections, charge-offs, and items that resulted from identity theft. It also assists with mortgage pre-approval. Best Credit is a woman-owned and woman-operated company that has been helping individuals and businesses since its founding in 2004.

703 US-71 BUS, Springdale, AR 72764

Expertise.com Rating

Review Sources

Google
5.0 (36)

Why choose this provider?

Amore Credit Repair Springdale caters to clients in Rogers. The company works with people looking to repair and improve their credit scores. It retrieves the client's report from credit bureaus like TransUnion, Experian, and Equifax and negotiates with their lenders to remove negative items. Its team members work closely with customers, providing them with a consultation prior to the repair process. They also serve people from areas like Springfield, Raleigh, New York, San Antonio, and Albuquerque.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
LC's Credit Solutions
Rogers, AR
Best Credit RX
70 N. College Ave, Suite #14, Fayetteville, AR 72701
Amore Credit Repair Springdale
703 US-71 BUS, Springdale, AR 72764

FAQs

  • 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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