Best Credit Repair Companies in Bolingbrook

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BGW Solutions logo

BGW Solutions

4320 Winfield Road, Warrenville, IL 60555
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  • Credit Monitoring

BGW Solutions offers credit repair services to clients in Bolingbrook and its neighboring metros. The company caters to individuals looking to purchase a home or a vehicle, rent an apartment, or get a job. Its professionals aim to remove negative items from the client's report while adding positive lines of credit. They educate consumers on how to maintain or build a new score. The company's website has a client portal, allowing them to monitor their progress 24/7.

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Blue Diamond Credit Repair LLC logo

Blue Diamond Credit Repair LLC

205 N Michigan Ave Suit 810, Chicago, IL 60601
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  • Debt Consolidation

Blue Diamond Credit Repair LLC serves individuals in Bolingbrook and nearby areas. It offers credit repair solutions that remove negative items in reports, including public records, bankruptcy, inquiries, and judgments. It handles cease and desist letters, as well as dispute and collection letters. The company also provides personal identity monitoring services. Blue Diamond Credit Repair is headed by David Ruffin. He authored a Business Credit Checklist to guide clients in building good business credit.

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Just Credit Solutions LLC logo

Just Credit Solutions LLC

PO Box 2106, Batavia, IL 60510
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  • Credit Monitoring

Just Credit Solutions LLC caters to customers in the Bolingbrook metro and the surrounding areas. It offers credit rebuilding and restoration services, helping individuals put their credit scores back on track. It advocates for the clients, analyzes their credit reports, and disputes various negative information. These include items that are incorrect and past the statute of limitations. The company also provides budget counseling and identity theft protection. Just Credit Solutions has been operating since 2009.

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Mountain Mover Wealth Consultants logo

Mountain Mover Wealth Consultants

​P.O. Box 1048, Oswego, IL 60543
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  • Credit Monitoring

Mountain Mover Wealth Consultants is an Oswego-based company that caters to customers in the Bolingbrook metro and the surrounding areas. It helps individuals improve their credit scores by offering credit consultation and repair services. Its case analysts and advisors analyze the clients' reports and directly work with the credit bureaus and creditors to challenge negative reporting information. The firm provides clients access to an online portal where they can track their cases' status and progress 24/7.

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On Path Credit logo

On Path Credit

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

On Path Credit caters to customers in the Bolingbrook metro and the surrounding areas. It helps clients improve their credit scores by offering credit consultation and repair solutions. Its work process involves running a full credit report analysis, identifying inaccurate and unverifiable reporting information, and creating plans to dispute and challenge the credit bureaus. The company helps remove negative items, such as bankruptcies, collections, inquiries, garnishments, and late payments. Medical bills and repossessions are also included.

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Pherpose Credit Solutions logo

Pherpose Credit Solutions

Joliet, IL
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  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Pherpose Credit Solutions provides services to clients throughout the Bolingbrook metro and the neighboring cities. It helps restore and maintain clients' credit scores to help them achieve their financial and investment goals and needs. It also assists individuals in eliminating errors on the credits by creating disputes with the credit bureaus. Its monthly services include assessment updates, customer service support, 3D analysis, and credit building and resources. The company is also available to remove student loans, foreclosure, late payments, and repossessions on credit reports.

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Simmons Financial Solutions logo

Simmons Financial Solutions

15255 S. 94th Avenue 5th Floor, Orland Park, IL 60462
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  • Credit Monitoring
  • Credit Audit

Simmons Financial Solutions is a credit repair company serving clients in Bolingbrook. The firm provides solutions that can help consumers rebuild their credit standing and consolidate debt. Its credit repair specialists conduct a thorough analysis of its client's credit report and seek all negative and inaccurate accounts that affect their credit scores. The team also challenges unverified information with credit bureaus, creditors, and collectors on behalf of its clients. Past clients commended the firm for repairing their credit in less than 90 days.

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The Credit Clique logo

The Credit Clique

1308 W. Jefferson St, Joliet, IL 60435
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  • Credit Monitoring

The Credit Clique, based in Joliet, serves individuals throughout Bolingbrook and the neighboring areas. This company offers credit restoration services which include removing negative items on credit reports, such as chargeoffs, collections, doctor bills, foreclosures, collections, and bankruptcies. Its team of credit repair specialists educates clients on how to maintain their improved credit standing. The company also provides tax solutions. Credit Clique offers various books on credit repair and business credit authored by its CEO, Nicole Covone.

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The Credit Repair Pros logo

The Credit Repair Pros

Chicago, IL 60007
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  • Credit Dispute

The Credit Repair Pros caters to individuals and business owners in Bolingbrook. The company helps clients buy new homes, get loans, finance the purchases they want, and avoid debts that come with a poor credit history. It looks for inaccurate marks like tax liens, charge-offs, and bankruptcy, and sends requests to validate data and letters to debt collectors requesting them to cease. The company's services also give clients access to more accessible insurance premiums and lower credit card rates.

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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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