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Best Credit Repair Companies in Olathe, KS

Our Recommended Top 6

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 Olathe 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.

99Reviewed

61Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Olathe, KS

Expertise.com Rating

Review Sources

Google
4.8 (6792)

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

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

Lexington LawExpertise.com

Olathe, 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

Google
4.8 (75)
Facebook
5.0 (63)

Why choose this provider?

ReScore provides credit repair solutions to Olathe clients with various goals like credible debt consolidation, home or car purchases, as well as student loan refinancing. The company has established partnerships with attorneys to assist the team in handling credit monitoring, credit restoration, student loan consolidation, debt settlement or consolidation, and budget coaching. It also provides divorce coaching services. The firm's Chief Executive Officer, Janna Fox, has been in the credit repair industry for more than 8 years.

  • Debt Consolidation
  • Credit Monitoring

4041 Northeast Lakewood Way, Lee's Summit, MO 64064

Expertise.com Rating

Review Sources

Google
4.0 (257)
Facebook
4.0 (203)
Yelp
3.0 (5)

Why choose this provider?

Credit Law Center offers credit repair services to clients in Olathe and the surrounding communities. In its years of service in the community, the business has served over 30,000 clients, helping them optimize and repair their credit scores. Its services include collections, repossessions, and charge-offs, in addition to foreclosures and bankruptcies. Credit Law Center has been featured in several publications, including CBS, NBC, Fox, and Cumulus. Moreover, it works with various companies, such as Equifax, TransUnion, and Experian.

  • Credit Dispute

2016 Swift Street, North Kansas City, MO 64116

Expertise.com Rating

Review Sources

Google
4.0 (28)
Facebook
5.0 (6)

Why choose this provider?

Kansas City Credit Services is a credit restoration and consulting company helping clients throughout the Olathe area. The company offers specific programs depending on client requirements, which comprise debt validation, credit line access, and credit audit. The firm also has credit consulting solutions for commercial clients, offering funding access and credit profile creation. Kansas City Credit Services also helps its clients with credit education, giving knowledge on topics like credit scoring and restoration. It has been providing credit consulting for more than 21 years.

  • Credit Audit

Kansas City, MO 64116

Expertise.com Rating

Why choose this provider?

Kansas City Credit Repair is a locally owned company that offers credit repair services to areas near Olathe. It runs credit repair plans that cover tailored strategies, 24/7 phone support, and finance tools to eliminate negative credit remarks. Its team of experts also offers individualized recovery solutions for clients who have suffered identity theft. Operating for more than 10 years, Kansas City Credit Repair aims to use its knowledge of the law to better help clients who need to rebuild their credit.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Olathe, KSFree Credit Evaluation
Lexington Law
Olathe, KSFree Credit Report Consultation
ReScore
1300 East 104th Street, Kansas City, MO 64131
Credit Law Center
4041 Northeast Lakewood Way, Lee's Summit, MO 64064
Kansas City Credit Services
2016 Swift Street, North Kansas City, MO 64116
Kansas City Credit Repair Service
Kansas City, MO 64116

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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