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Best Credit Repair Companies in Des Moines

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6129 Southwest 63rd Street, Des Moines, IA 50321
Des Moines, IA 50321
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  • Credit Monitoring

Consumer Credit of Des Moines is a credit repair company that serves residential and commercial clients in Des Moines and its nearby cities. It offers a broad range of credit repair and assessment services, including budget and debt counseling, credit score analysis, and bankruptcy counseling services. The company has been in the credit repair industry for 25 years, providing its clients with credit management solutions through a wide array of programs. Consumer Credit of Des Moines is also an ISO-certified company with a positive FCAA track record.

6129 Southwest 63rd Street, Des Moines, IA 50321
Des Moines, IA 50321

InstagramWebsite(800) 955-5765

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We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

3 (Best)

Average Review Score:

4.2 / 5 ( Best)

Total Reviews:

33 (Best)

Score Consistency:

Variable (Good)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

699 Walnut Street, Des Moines, IA 50309
Des Moines, IA 50309
  • Credit Monitoring
  • Credit Audit

Credit Rx America is a family-owned and family-operated company servicing Des Moines. It helps individuals in improving their credit scores by conducting analysis and removing or deleting the items. Its team handles a wide range of items that affect the scores such as inquiries, medical collections, tax liens, late payments, and judgments. Different solutions are available and the company begins with disputing inaccuracies that were detected. Clients can select from various plans that are detailed on the website.

699 Walnut Street, Des Moines, IA 50309
Des Moines, IA 50309

Website(888) 882-1961

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

Frequently Asked Questions:

Q: How do you repair credit after identity theft?
A:

Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.
Q: Is credit repair legal?
A: Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.
Q: Can a credit repair company remove late payments?
A: 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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