Best Credit Repair Companies in Cicero


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AlwaysTheBest Credit Repair logo

AlwaysTheBest Credit Repair

205 N Michigan Ave Suite 810, Chicago, IL 60601
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  • Credit Monitoring

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.

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Credit Wiz logo

Credit Wiz

125 S Wacker Dr, Ste. 300, Chicago, IL 60606
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  • Debt Consolidation

Credit Wiz caters to the residents of Cicero and the surrounding areas. It offers credit repair solutions to individuals, families, and businesses. The firm collects credit reports from the three bureaus, carries out assessments, and identifies misleading and inaccurate items that are affecting clients' scores. It also provides financial road mapping and document management services. The firm has a portal where clients can conveniently monitor their progress and set appointments. Credit Wiz has over 25 years of experience in the industry.

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Kenise Consulting logo

Kenise Consulting

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

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.

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The Credit Repair Pros logo

The Credit Repair Pros

Chicago, IL
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  • Credit Dispute

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.

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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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