Best Credit Repair Companies in Elgin

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Credit Repair Companies FAQs

Last updated: October 1, 2022

Always The Best Credit Repair

205 N Michigan Ave Suite 810, Chicago, IL 60601

Credit Dispute

Always The Best Credit Repair delivers solutions to help residents in Elgin maximize their scores. Team members of the agency review entries on clients' credit reports to identify which ones require correction, validation, and updating. Once the problematic items have been identified, customized dispute letters with supporting documents are sent to agencies like creditors and bureaus. The firm also offers credit education to teach customers about building and maintaining positive scores that increase their purchasing power.

Credit Firm

1020 Milwaukee Ave. Suite 122, Deerfield, IL 60015

Credit Monitoring

Credit Firm has been serving consumers in and around the Elgin area for more than two decades. Its team conducts investigations with credit reporting and collection agencies such as Equifax, TransUnion, and Lexis Nexis with an aim to identify inaccurate information from clients' reports. In addition to performing audits, the credit restoration process involves addressing inquiries, validating debt, sending escalated info requests, and conducting goodwill interventions. Credit Firm was established by a group of attorneys.

DHP Credit Repair LLC

Chicago, IL

Credit Dispute

DHP Credit Repair LLC is a family-owned company that serves the Elgin area. It audits reports, identifies negative items like hard inquiries, disputes erroneous information, and negotiates with creditors on behalf of clients in order to fix them. The company also offers financial coaching and money management services for people who are struggling with poor credit and looking for ways to stay debt-free. DHP Credit Repair has helped thousands of clients repair their credit debts.

Flyy Credit

15941 Harlem Ave #284, Tinley Park, IL 60477

Credit Monitoring

Flyy Credit helps residents of Elgin and the surrounding communities get into a better financial position. The firm provides comprehensive credit repair services for clients who need to rebuild their credit rating to qualify for a home or car loan, employment, and credit card. Its team helps remove negative items like collections, late payments, charge-offs, liens, repossession, and foreclosures by disputing these with the credit bureaus and creditors. It also assists in building business credit to finance a client's dream lifestyle or business.

Just Credit Solutions LLC

PO Box 2106, Batavia, IL 60510

Debt Consolidation

Just Credit Solutions LLC has been serving clients in Elgin and nearby areas since 2009. It offers a wide range of credit help before, during, and after foreclosure, repossession, loan denial, debt settlement, and identity theft. It examines TransUnion, Experian, and Equifax reports before beginning to dispute items directly with the credit bureaus using its arsenal of credit report repair strategies. Its clientele includes loan officers, car dealers, and Realtors.

Kenise Consulting

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

Credit Monitoring

Kenise Consulting is a full-service credit repair company that serves clients in Elgin and nearby areas. The company offers professional credit restoration services that can assist individuals in rebuilding or improving their credit scores. Its credit repair analysts thoroughly review its client's credit history and dispute any negative information such as charge-offs, late payments, bankruptcies, and collections. The team also submits dispute letters to major credit bureaus on behalf of its clients. The company handles consumer, business, and mortgage credit disputes.

KNK Credit Consultants

125 s Wacker Drive Suite 300, Chicago, IL 60606

Credit Monitoring

KNK Credit Consultants provides credit repair services to clients in Elgin and the surrounding areas. Its team assesses its clients' current finances to design a tailored action plan that can help them reach their immediate and long-term goals and regain control of their finances. The company also has the tools to help customers get back on track after having a bad credit rating. The team at KNK Credit Consultants works to improve clients' credit scores within 30 to 90 days.

Patriots Credit Services

815 N Church Street Suite 100, Rockford, IL 61103

Debt Consolidation

Patriots Credit Services has been serving clients in Elgin since 2007. Its credit repair process begins with a consultation to determine whether individuals need mortgage refinancing, debt consolidation, or debt settlement solutions. Its team members prepare letters of dispute, requests, and demands to be sent to creditors and bureaus. They also assist in the establishment of new credit lines, such as secured credit cards and auto loans. Patriots Credit Services is a member of the National Association of Credit Services Organizations and the Credit Consultants Association.

Project Restoration

401 N Michigan Ave Suite 1200, Chicago, IL 60611

Credit Monitoring

For more than five years, Project Restoration has been serving individuals and business owners in and around the Elgin metro. The firm has helped over 3,400 clients purchase their homes, acquired approval for business and personal loans, and invests properties by building, repairing, and removing negative items in their credit reports. With a mission of breaking the cycles of generational poverty, Project Restoration educates Millenials about investments and financial literacy, as well as offers them credit training programs and financial counseling.

Simmons Financial Solutions

15255 S. 94th Avenue 5th Floor, Orland Park, IL 60462

Credit Dispute

Simmons Financial Solutions serves the residents of Elgin. Its agents create schemes tailored to the specific details of their reports in order to restore individuals' creditworthiness. They look for red flags such as late payments, charge-offs, medical bills, and duplicates. They dispute these items by writing to creditors and credit bureaus and filing dispute letters. If necessary, the team communicates with debt collectors and implements debt settlement strategies. The agency provides weekly education on how to improve one's credit during the restoration process.

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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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