Best Credit Repair Companies in Meridian

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Credit Repair Companies FAQs

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Cliff Roberts & Associates logo
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Cliff Roberts & Associates

9169 W. State St., Suite 1963, Boise, ID 83714
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  • Credit Monitoring

Business Description

Cliff Roberts & Associates caters to clients in the Meridian metro and the surrounding areas. It provides credit repair services, which help clients qualify for loans, reduce credit card rates, and increase savings. Its credit analysts, backed by an in-house attorney, customize improvement programs that focus on score influences, such as revolving utilization rate, history length, recent activity, account mix, and collection resolution. One of the firm's clients mentioned that his credit score went up 90 points in less than half a year.

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.
5.0
House Rock Financial LLC logo
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House Rock Financial LLC

5465 E Terra Linda Way,, Nampa, ID 83687
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  • Credit Monitoring
  • Credit Audit

Business Description

House Rock Financial, LLC, serves individuals in Meridian and its neighboring areas. It provides credit repair services and helps clients eliminate debt by creating a debt reduction system. It offers credit consultation and analysis and identifies negative items listed on credit reports, such as inaccurate personal information, late payments, repossessions, short sales and foreclosures, and bankruptcy. The company works closely with clients, enabling them to monitor improvements in their credit scores monthly on an encrypted platform.

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.
5.0
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5.0 / 5 (1)
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Frequently Asked Questions

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.

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.

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.

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