Expertise.com

Best Credit Repair Companies in Aurora

2024

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Website
Aurora, IL
  • Credit Repair
  • Money Back Guarantee
  • Credit building
  • Credit Audit
  • Credit Restoration

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

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
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Lexington Law

Aurora, IL
  • Consumer Credit Services
  • Credit Repair

Why choose this provider?

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.
4.3

Price: Free Credit Report Consultation

Website
1200 North Ashland Avenue, Chicago, IL 60622
  • Debt Consolidation

Why choose this provider?

Credit Geeks LLC is a credit repair company that brings 10 years of credit restoration experience. One of its offered programs is the fast track program, which helps clients achieve a considerable score increase in a short timeframe with at least two of the credit bureaus. Clients can also have their credit monitored monthly with its My Future Credit Monitoring program. This program continues to build the client's credit and dispute negative items. Credit Geeks LLC extends its services to individuals nationwide, including Aurora.

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

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

Website
710 East 47th Street, Chicago, IL 60653
  • Credit Monitoring

Why choose this provider?

Excellent Credit Solutions is a company that has been serving Aurora and nearby areas for more than a decade. It offers credit repair services to help individuals remove negative items that affect their credit scores, such as charge-offs, foreclosures, identity theft, repossessions, and garnishments. Its team of credit specialists assists clients with their credit history for better chances of getting a job, applying for auto and home loans, and improving their personal relationships that were strained due to bad credit.

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
Facebook
4.7 / 5 (15)
Google
5.0 / 5 (14)

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

Website
401 North Michigan Avenue, Chicago, IL 60611
  • Credit Monitoring

Why choose this provider?

Pro Credit Repair offers credit counseling services in Aurora. With its knowledge of the credit markets, the company utilizes a personalized approach when providing advice on the credit repair process. It is also experienced in removing judgments, bankruptcies, and charge-offs from the credit report. Moreover, its team of experts conducts credit evaluations and analyses. They also develop customized strategies for credit score optimization with a focus on the client's revolving credit accounts and current credit utilization.

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.
4.6
Google
4.6 / 5 (45)
Yelp
4.5 / 5 (10)

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

Website
2 Plaza Drive, Woodridge, IL 60517
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

KT Credit Solutions is a credit repair firm catering to customers in Aurora. It assists clients in rebuilding their credit as well as raising their credit scores. It helps correct and remove negative report items, such as bankruptcies, charge-offs, collection accounts, inquiries, and late payments. Unverifiable identity theft accounts, foreclosures, judgments, repossessions, and tax liens are also included. KT Credit Solutions is focused on customer service by providing constant education to clients on all aspects of credit.

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
Facebook
5.0 / 5 (3)
Yelp
5.0 / 5 (2)

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

Website
2336 North Damen Avenue, Chicago, IL 60647
  • Credit Dispute

Why choose this provider?

Founded by Todd Stern, Nationwide Credit Clearing is a Chicago-based company that has been serving clients in and around Aurora for more than 25 years. It offers several credit repair programs consisting of credit report consultation, credit bureau and inquiry disputes, credit education, and debt validation. Its team works with the client throughout the credit clearing process, which includes assessing the clients' credit situation as well as challenging unverifiable, misleading, and inaccurate information in the credit report.

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.
4.7
Google
4.7 / 5 (334)

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

Website
10011 West Grand Avenue, Franklin Park, IL 60131
  • Debt Consolidation

Why choose this provider?

Credit Rx is a credit repair company that serves clients in the Aurora community. Its services include credit cleaning, restoration, establishment, and detachment. It also conducts debt settlements through credit card debt consolidation and releases of collection settlement, judgment release process, and tax lien release process. The company's CEO and president, Johanna Diaz, has six years of banking experience after receiving a master's degree. Her Credit Rx team is the first credit consulting company to be featured in Top Agent Magazine.

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
Facebook
5.0 / 5 (197)
Google
4.6 / 5 (25)

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

Website
16143 South Lincoln Highway, Plainfield, IL 60586
  • Credit Dispute

Why choose this provider?

Illinois Credit Services provides credit repair services to clients in the Aurora area and surrounding locations. Its work starts with analyzing the client's TransUnion, Equifax, and Experian credit reports to craft a personalized repair plan. Then, it legally challenges and disputes any inaccurate and unverifiable information in the client's account. Illinois Credit Services also provides clients with information, resources, and advice on maintaining and improving their credit scores through consultations, emails, and credit news. Its founder Jim Droske has over 29 years of industry experience.

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.
4.4
Google
4.0 / 5 (135)
Facebook
5.0 / 5 (89)

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

Website
222 West Merchandise Mart Plaza, Chicago, IL 60654
  • Credit Audit
  • Credit Dispute

Why choose this provider?

DHP Credit Repair LLC is a family-owned and family-operated business that assists individuals in the community of Aurora and the surrounding areas. The company provides a wide range of services, such as counseling services to manage money, credit repair, and advice option for mortgages and loans. It also helps customers to pay off bankruptcy, medical bills, repossession, and credit cards. Its credit repair packages include credit restoration, error identification, and credit report audits. Additionally, its team offers consultation over the phone or through Zoom.

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
Facebook
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

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.

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