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2024

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Best Credit Repair Companies in Kansas City, KS

Our Recommended Top 5

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 Kansas City 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.

110Reviewed

68Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Kansas City, KS

Expertise.com Rating

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

  • Credit Restoration
  • Money Back Guarantee
  • Credit building
  • Credit Audit
  • Credit Repair
Lexington Law logo

Lexington LawExpertise.com

Kansas City, KS
Free Credit Report Consultation

Expertise.com Rating

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

  • Consumer Credit Services
  • Credit Repair

1300 East 104th Street, Kansas City, MO 64131

Expertise.com Rating

Review Sources

Facebook
5.0 (29)
Google
5.0 (22)

Why choose this provider?

Rescore is a credit repair company that serves clients in Kansas City. It offers an assortment of debt management services that include credit restoration, credit monitoring, credit establishment, student loan consolidation, and budget coaching. The company works with attorneys in improving clients' credit scores. Chief executive officer Janna Fox and chief operating officer Paige White founded Restore. Janna has eight years of experience in the credit repair industry and has helped more than 40,000 clients across the US.

  • Debt Consolidation

11880 West 95th Street, Overland Park, KS 66214

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

AWC Innovations LLC, a financial services company, strives to meet the needs of individuals in the Kansas City community. It helps clients improve their credit reports by removing incorrect information such as medical collections, bankruptcy charges, and charge-offs. Its team of financial specialists audits and analyzes credit information, employs dispute documentation, and contacts creditors. The company also provides financial education assistance through email training and online resources. It has experience improving a client's credit score to 200 points.

  • Credit Dispute

2300 Main Street, Kansas City, MO 64108

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Google
5.0 (1)

Why choose this provider?

Alfa Credit Repair, LLC, is a credit repair firm that serves clients in the Kansas City area. It helps restore customers' credits using conventional dispute methods and various strategies. It removes a wide range of questionable items, such as charge-offs, closed accounts, collections, late payments, and tax liens. In addition, it works on bankruptcies, foreclosures, garnishments, identity theft, and repossessions. Alfa Credit Repair focuses on customer service by also providing education on how to establish credit.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Kansas City, KSFree Credit Evaluation
Lexington Law
Kansas City, KSFree Credit Report Consultation
Rescore
1300 East 104th Street, Kansas City, MO 64131
AWC Innovations LLC
11880 West 95th Street, Overland Park, KS 66214
Alfa Credit Repair, LLC
2300 Main Street, Kansas City, MO 64108

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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