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Best Credit Repair Companies in Joliet

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Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

Joliet, IL
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  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Business Description

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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
FEATURED
Free Credit Report Consultation

Lexington Law

Joliet, IL
  • Consumer Credit Services
  • Credit Repair

Business Description

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
Facebook
4.3 / 5 (3042)
Google
4.5 / 5 (377)

Price: Free Credit Report Consultation

850 Credit.com logo
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850 Credit.com

6444 S Central Ave, Chicago, IL 60638
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  • Debt Consolidation

Business Description

850 Credit.com is a credit repair company serving clients from the Joliet area. With experience in consumer, mortgage, and business mortgage, its team of credit specialists evaluates its customer's credit reports from credit bureaus such as Experian, Equifax, and TransUnion. They challenge factors like late payments, collection accounts, short sales, medical bills, child support, and bankruptcies on the record by sending dispute letters and compelling creditors to respond in order to improve the client's credit score.

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
Google
5.0 / 5 (11)

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
Chestnut Health Systems logo
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Chestnut Health Systems

829 Campus Drive, Joliet, IL 60435
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  • Debt Consolidation

Business Description

Chestnut Health Systems is a private and charitable organization handled by a volunteer board of directors. It offers assistance in negotiating waivers of late fees to lower interest rates. Clients' progress is monitored, and they get a periodic report. Providing families and individuals financial knowledge, it also offers credit counseling, student loan counseling, and bankruptcy counseling. Chestnut Health System is affiliated with the National Foundation for Credit Counseling. Located in Joliet, it also has offices in Belleville, Chicago, and Marville.

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Credit Rx logo
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Credit Rx

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

Business Description

Based in Illinois, Credit Rx is a credit repair company catering to families and individuals in Joliet and Franklin Park. It offers a broad variety of personalized credit solutions, such as credit cleaning and restoration, credit establishment and detachment, debt consolidation, judgement and tax release process, and student loan modification and collection relief. Additionally, its credit experts are up-to-date with state and federal legal guidelines and have extensive experience dealing with major credit bureaus, such as Experian, Equifax, and TransUnion.

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
Google
4.0 / 5 (24)

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
Excellent Credit Solutions logo
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Excellent Credit Solutions

710 East 47th Street, Chicago, IL 60653
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  • Credit Dispute

Business Description

Excellent Credit Solutions offers credit repair services to the residents of Joliet and the surrounding cities. Through its services, the company helps clients get credit, buy a home or a car, and lower the interest rates from bank loans and other lending entities. The firm also disputes tax liens, identity theft cases, bankruptcies, and other erroneous information on its client's credit report. According to owner Dennis Hawkins, Excellent Credit Solutions has helped over 1,000 individuals get their credit score up in the last 10 years.

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
5.0 / 5 (13)
Facebook
4.0 / 5 (7)

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
Flyy Credit Solutions logo
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Flyy Credit Solutions

15941 South Harlem Avenue, Tinley Park, IL 60477
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  • Credit Dispute

Business Description

Headquartered in Tinley Park, Flyy Credit Solutions serves clients in nearby areas, including Joliet. It offers online educational courses and credit repair services to help individuals improve their credit scores and lower their rates. The company helps clients identify and resolve incorrect information found in their credit history. It also removes negative items such as late payments, charge-offs, collections, bankruptcy, and foreclosures from the client's credit reports. Additionally, Flyy Credit Solutions provides assistance to aspiring business owners in establishing their business credits.

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
Google
4.0 / 5 (37)
Facebook
5.0 / 5 (16)

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
Illinois Credit Services logo
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Illinois Credit Services

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

Business Description

Illinois Credit Services is a credit repair company that serves clients throughout Illinois, including Joliet. It assists clients in repairing, rebuilding, and disputing erroneous credit reports. Additionally, the company provides personalized cease and desist letters, validation letters to collectors, and creditor goodwill request letters. Jim Droske, the company president, brings over 25 years of credit and lending industry experience. He is well-versed in credit laws, such as the Fair Credit Reporting Act, to protect the accuracy of credit reports.

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
4.0 / 5 (135)
Facebook
5.0 / 5 (85)

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
KNK Credit Consultants logo
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KNK Credit Consultants

1 Westbrook Corporate Center, Westchester, IL 60154
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  • Credit Audit
  • Credit Dispute

Business Description

KNK Credit Consultants is a credit repair company that caters to clients in Joliet and the surrounding areas. Its consultants apply their knowledge of credit repair laws to assist clients in establishing and maintaining good credit, as well as repairing credit sores. The company starts by identifying which information is inaccurate and the factors that bring the score down. It will challenge the reported information by credit bureaus, collectors, and creditors. Items may include late payments, short sales, and tax liens.

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
Google
5.0 / 5 (15)
Facebook
5.0 / 5 (8)
KT Credit Solutions logo
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KT Credit Solutions

2 Plaza Drive, Woodridge, IL 60517
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  • Credit Dispute

Business Description

KT Credit Solutions is a credit repair agency serving clients in Joliet and the surrounding areas. It assists clients in restoring and rebuilding their credit as well as raising their credit scores. It helps correct, remove, and update inaccurate bankruptcies, charge-offs, collection accounts, inquiries, and late payments. Assistance regarding unverifiable identity theft accounts, foreclosures, judgments, repossessions, and tax liens are also included. KT Credit Solutions focuses 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

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
Prime Credit Advisors logo
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Prime Credit Advisors

9525 South 79th Avenue, Hickory Hills, IL 60457
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  • Credit Audit

Business Description

With almost a decade of experience, Prime Credit Advisors offers credit repair services across Joliet. It aids clients through disputing incomplete or out-of-date personal information from credit files, mostly from public records, bankruptcies, and late payments. Prime Credit Advisors dedicates itself to helping clients attain their financial goals. It educates clients on topics like credit assistance, debt payment strategy, student loans, and tax management. The company's staff can transact with clients in both English and Spanish.

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
Google
4.0 / 5 (187)

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
Pro Credit Repair logo
Visit WebsiteWebsite

Pro Credit Repair

401 North Michigan Avenue, Chicago, IL 60611
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  • Credit Dispute

Business Description

Pro Credit Repair is a credit restoration company serving customers in Joliet and the surrounding areas. It helps clients improve their credit scores so they can purchase a home or refinance at a lesser rate. The credit professionals at this firm analyze customers' personal credit history, remove questionable information such as single late payments and collections, and creates disputes. Pro Credit Repair carries years of experience working with collection companies and creditors and is skilled in keeping track of results in real-time.

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
4.0 / 5 (24)

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
Simmons Financial Solutions logo
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Simmons Financial Solutions

15255 South 94th Avenue, Orland Park, IL 60462
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  • Debt Consolidation
  • Credit Monitoring

Business Description

Simmons Financial Solutions is a credit repair company that serves customers in Joliet and the surrounding areas. Its team of professionals assists in navigating the process of credit repair and restoration, helping clients understand the laws regulating credit bureaus, collectors, and creditors. They offer credit education to help clients learn the process of rebuilding credit, raising credit scores, dealing with collectors, and settling debt. They perform credit analysis to identify any incorrect 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.
4.0
Facebook
3.0 / 5 (21)
Google
5.0 / 5 (9)
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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.

Is credit repair legal?

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.

How do you repair credit after identity theft?

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.

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