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Best Credit Repair Companies in Nampa

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186 SW 1st St, Ontario, OR 97914
Ontario, OR 97914
  • Credit Audit

Credit Problem Repair helps Nampa residents get better loan and purchase opportunities by improving their credit profiles. The company uses the dispute process to have unverifiable and inaccurate items legally removed from the client's credit reports. It also assists in repairing the credit of identity theft victims. To support clients in rebuilding their finances, each credit repair service includes education on how to keep good credit. Owner Shar Helton founded the company in 2011 using first-hand experience and knowledge from repairing her own credit.

186 SW 1st St, Ontario, OR 97914
Ontario, OR 97914

Website(208) 407-7247

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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:

2 (Better)

Average Review Score:

4.8 / 5 ( Best)

Total Reviews:

46 (Best)

Score Consistency:

Consistent (Best)

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

House Rock Financial serves Nampa customers with problematic credit scores. The company works with individuals seeking to obtain loans to pay for new homes, enter insurance contracts, acquire vehicles, or start new businesses. It handles consultation tasks and disputes negative entries on clients' records. The office maintains an online portal where debtors are shown their updated ratings every 30 days. House Rock Financial educates individuals on how to build their multi-generational wealth.

5465 E Terra Linda Way, Nampa, ID 83687
Nampa, ID 83687

Website(337) 207-2673

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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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