Expertise.com

2024

Last updated:

Best Credit Repair Companies in Cicero

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Cicero Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

62Reviewed

39Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Cicero, IL

Expertise.com Rating

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

  • Money Back Guarantee
  • Credit Repair
  • Credit building
  • Credit Restoration
  • Credit Audit
Lexington Law logo

Lexington LawExpertise.com

Cicero, IL
Free Credit Report Consultation

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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.

  • Credit Repair
  • Consumer Credit Services

Chicago, IL

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Why choose this provider?

The Credit Repair Pros helps Cicero residents avoid debts that come with a poor credit history. It disputes incorrect information and eliminates inaccurate marks, including tax liens, bankruptcy, and charge-offs. The company's work process starts with credit specialists delivering consultation sessions and devising a strategy based on reports from major credit bureaus such as Equifax, TransUnion, and Experian. Its credit repair plan also includes requesting data validation, sending letters to dispute errors, and sending a cease letter to debt collectors.

  • Credit Dispute

1 East Erie St Suite 525 PMB 4522, Chicago, IL 60611

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Review Sources

Google
5.0 (8)

Why choose this provider?

Kenise Consulting caters to individuals and families in the Cicero metro and the surrounding communities. It helps customers restore their credit and improve their scores by offering credit repair services. These also allow clients to achieve better negotiating power, increased credit limits, and lower interest rates on credit cards and loans. The team works in a process that involves analyzing credit reports and challenging negative reporting items. Some of the common ones are bankruptcies, inquiries, late payments, medical bills, and repossessions.

  • Credit Monitoring

205 N Michigan Ave Suite 810, Chicago, IL 60601
Website

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Why choose this provider?

AlwaysTheBest Credit Repair serves clients in Cicero and the neighboring communities. Its team supports individuals in disputing negative items in their payment history. It guides them on how to maximize their debt ratio scores and helps them remove credit inquiries from their reports. It assists people in processing documents to help them settle their credit card debts, repossessions, foreclosures, late payments, tax liens, and charge-offs. The credit repair firm can accommodate Spanish-speaking clients.

  • Credit Monitoring

FAQs

  • 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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