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Best Credit Repair Companies in Boise

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Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

Boise, ID
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  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Business Description

As a credit restoration specialist for more than 15 years, Credit Saint assists clients in the Boise area to improve and understand their credit. It reviews credit reports from the three major credit bureaus and develops a custom repair strategy for the clients' situation. It works to remove negative items from the credit report by challenging the recorded transactions' accuracy, timeliness, and bias. It performs score analysis, creditor interventions, score tracker, inquiry targeting, and Experian monitoring.

Reputation:

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.
4.8
Google
4.8 / 5 (5317)
Yelp
2.5 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free credit evaluation

Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Boise, ID
  • Consumer Credit Services
  • Credit Repair

Business Description

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.

Reputation:

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.
4.2
Google
4.2 / 5 (557)

Price: Free Credit Report Consultation

Advanced Credit Solutions logo
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Advanced Credit Solutions

1003 7th St S, Nampa, ID 83651
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Business Description

Advanced Credit Solutions provides credit restoration services for individuals, families, and business owners in the greater Boise area. The company devises action plans to improve clients' credit scores and profiles. The credit analysts on staff handle identity errors, charge-offs, judgments, repossessions, tax liens, bankruptcy, and other incorrect and adverse items affecting clients' credit scores. The firm assists in the correspondence needed to interact with the major credit bureaus and creditors to remove or correct questionable items on credit reports. Additionally, Advanced Credit Solutions has a state-of-the-art web-based software system that allows clients to track their files on a 24/7 basis.

Reputation:

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.
4.5

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Americor logo
Visit WebsiteWebsite

Americor

12601 W Explorer Dr Ste 200, Boise, ID 83713
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Business Description

Americor offers credit repair services in Boise. The company's trained agents work with customers to establish a budget and payment plan, improve savings, and make payments through the agency, which are then disbursed to the appropriate creditors. The company works directly with creditors to adjust interest rates and establish a secure payment plan to help customers pay the outstanding amount on their credit cards. Additionally, the counselors advise clients on other expenses and income flow, helping them establish a budget for housing, transportation, and other bills. Americor also offers customers other debt relief solutions, including debt settlement, consolidation loans, and bankruptcy.

Reputation:

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.
4.3
Facebook
4.3 / 5 (176)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Credit Problem Repair logo
Visit WebsiteWebsite

Credit Problem Repair

1123 12th Ave S, Nampa, ID 83651
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Business Description

Credit Problem Repair offers services to help individuals dispute negative items on credit reports, fix low credit scores, and keep good credit. Credit professionals assist clients in refuting inaccurate or outdated items on their credit reports, with the goal of removing this information. Items that Credit Problem Repair can help eliminate include late payments and identity theft issues. The staff is trained in the laws protecting people against credit collectors and bureaus, and they provide personalized plans to help clients achieve their financial goals. Credit Problem Repair also educates clients on best practices to earn, build, and maintain credit in the future.

Reputation:

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.
4.9
Facebook
4.9 / 5 (35)
Debt Reduction Services logo
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Debt Reduction Services

6213 N Cloverdale Rd Ste 100, Boise, ID 83713
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Business Description

Debt Reduction Services serves as a credit repair company in Boise that helps clients take control of their financial lives. Its professionals handle debt consolidation and may assist clients in reducing monthly payments by half. The firm can aid in reducing interest rates, stopping late charges and over-limit fees, and providing relief for student loan debt. Pre-bankruptcy credit counseling may help clients avoid the courts, while post-bankruptcy debtor education ensures they understand their rights and responsibilities after filing. In addition to stopping collection calls and helping clients set realistic budgets, Debt Reduction Services also analyzes credit reports and disputes erroneous charges with the three major credit bureaus and creditors.

Reputation:

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.
4.8
Google
4.9 / 5 (539)
Facebook
4.5 / 5 (30)
Yelp
3.5 / 5 (12)
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Frequently Asked Questions

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.

Is credit repair legal?

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.

How do you repair credit after identity theft?

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.

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