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Best Credit Repair Companies in Arlington Heights

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850 Credit.com logo

850 Credit.com

6444 S Central Ave, Chicago, IL 60638
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  • Debt Consolidation

850 Credit.com addresses the needs of clients in Arlington Heights and nearby metros. The company has been in the industry for over 15 years, providing credit repair services. Its specialists determine the various factors pulling the client's credit score down and offer customized plans to restore and rebuild their credit. They load inaccurate and misleading information into their system and challenge questionable items on the client's account with the creditors, collectors, and credit bureaus. These bureaus include TransUnion, Experian, and Equifax.

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Credit Firm logo

Credit Firm

1020 Milwaukee Ave. Suite 122, Deerfield, IL 60015
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  • Debt Consolidation
  • Credit Monitoring

Credit Firm is a company that serves Arlington Heights. Its consultants offer custom-tailored programs to help consumers restore their credit and improve their financial health. They perform in-depth audits of reports to address negative items and work directly with agencies to delete derogatory accounts and raise their scores. The company offers an online portal, which enables clients to obtain real-time updates of work completed. Since 1997, Credit Firm has helped remove a million of accounts and served thousands of clients.

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OnpathCredit logo

OnpathCredit

3731 Prairie Ave #515, Brookfield, IL 60513
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  • Credit Monitoring

OnpathCredit is a full-service company that offers credit repair and reporting services to clients in Arlington Heights. It caters to industries, including business, banking, and real estate. It can also remove derogatory accounts from a credit report, such as late payments, medical bills, bankruptcies, and foreclosures. Its team educates clients on deceptive debt collection practices and provides them with the information, steps, and resources they require to make better financial decisions. It has a personal dashboard where clients can track the status of their files 24/7.

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See Believe Thrive logo

See Believe Thrive

1600 Golf Rd Suite 1200, Rolling Meadows, IL 60008
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  • Credit Monitoring

See Believe Thrive serves Arlington Heights residents and small businesses. The company helps boost credit scores through credit repair and credit training courses. Its team identifies inaccurate items on clients' credit reports, including bankruptcies, charge-offs, negative accounts, and late payments. It sends goodwill letters to creditors and credit bureaus to dispute the validity of these items and requests their removal. The company also performs interventions against harassing creditors. Clients have 24/7 access to live updates of their credit profile improvements.

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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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