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Best Credit Repair Companies in Independence, MO

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 Independence 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.

87Reviewed

54Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Independence, MO

Expertise.com Rating

Review Sources

Google
4.8 (8774)
Yelp
2.5 (26)

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.

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

Lexington LawExpertise.com

Independence, MO
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.

  • Credit Repair
  • Consumer Credit Services

10001 Walnut Drive, Suite 101, Kansas City, MO 64114

Expertise.com Rating

Review Sources

Google
4.2 (6)

Why choose this provider?

Credit Sense Credit Repair is a financial services company that serves clients in the Independence area. It provides various credit repair services, including credit report analysis and monitoring. To improve financial literacy, the company educates people on matters like debt-to-income ratios and interest rates. It maintains an online portal to help individuals access their credit status 24/7. Credit Sense Credit Repair runs social media pages that contain informative content such as debt management tips.

  • Credit Monitoring

4041 NE Lakewood Way #230, Lee's Summit, MO 64064

Expertise.com Rating

Review Sources

Facebook
5.0 (10)

Why choose this provider?

Credit Protection USA serves individuals in and around the Independence area. Its credit repair program involves creating disputes with creditors and credit bureaus; handling creditor calls; and settling judgments, collections, and repossessions. Its team of credit score specialists also sues creditors for incorrect information and represents clients before creditors who instigate legal proceedings. Credit Protection USA also provides credit monitoring and education. The company has assisted more than 30,000 clients since it started operating in 2011.

  • Credit Monitoring

4041 NE Lakewood Way Ste 140, Lee’s Summit, MO 64064

Expertise.com Rating

Review Sources

Facebook
4.7 (205)
Google
4.3 (196)
Yelp
3.5 (5)

Why choose this provider?

Credit Law Center provides services to individuals in the Independence metro and nearby areas. It offers credit repair solutions to help clients resolve foreclosure, bankruptcy, and short sale history issues. The company's credit advisors investigate and monitor accounts to address bad credit histories. The attorneys at the firm deal with debt negotiation and defense, helping clients file claims against banks and collection companies and attorneys. Credit Law Center has been in the industry since 2007.

  • Credit Audit
  • Credit Dispute
  • Credit Repair

2300 Main St Suite 900, Kansas City, MO 64108

Expertise.com Rating

Review Sources

Google
4.0 (4)

Why choose this provider?

Alfa Credit Repair, LLC, caters to clients in Independence. The firm helps individuals restore their credit, providing an initial consultation to determine their financial situation and objectives. Its professionals educate clients on the factors determining their credit scores, such as payment history, amounts owner, and types of credit in use. They create personalized credit repair strategies and remove various items on the client's report. These items involve late payments, charge-offs, identity theft, and foreclosures, in addition to bankruptcies, repossessions, and garnishments.

  • Credit Monitoring
  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Independence, MOFree Credit Evaluation
Lexington Law
Independence, MOFree Credit Report Consultation
Credit Sense Credit Repair
10001 Walnut Drive, Suite 101, Kansas City, MO 64114
Credit Protection USA
4041 NE Lakewood Way #230, Lee's Summit, MO 64064
Credit Law Center
4041 NE Lakewood Way Ste 140, Lee’s Summit, MO 64064
Alfa Credit Repair, LLC
2300 Main St Suite 900, 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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