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Best Credit Repair Companies in Naperville

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850 Credit.com logo

850 Credit.com

6444 South Central Avenue, Chicago, IL 60638
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  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

850 Credit.com provides credit repair assistance to Naperville residents. Its team guides clients along the process, from reviewing credit reports from Transunion, Experian, and Equifax to designing credit rebuilding plans based on factors that lower clients' scores. In addition, its credit restoration specialists remove, update, and correct misleading, unverifiable, and inaccurate items that may involve charge-offs, late payments, bankruptcies, and duplicates. 850 Credit.com also offers credit education, and its team assists clients with debt settlements.

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Credit Geeks LLC logo

Credit Geeks LLC

1200 North Ashland Avenue, Chicago, IL 60622
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  • Credit Audit

Credit Geeks LLC is a credit repair company that serves clients in Naperville. It specializes in eliminating negative items from clients' credit records, such as late payments, charge-off accounts, loan default, bankruptcies, foreclosures, and judgments. The company also offers credit restoration services that include a credit-worthiness program and a scheme that monitors changes to clients' credit reports. In addition, Credit Geeks has more than 10 years of experience in credit restoration and it has expanded its services throughout the U.S.

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Credit Rx logo

Credit Rx

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

Credit Rx is a credit repair and consulting company serving Naperville residents. Its credit repair solutions include restoration, detachment, establishment, and cleaning. The company also offers debt management solutions, including debt consolidation, tax lien releases, and collection settlement. Furthermore, Credit Rx also guides clients on student loans, particularly with collection relief and modification. The company's founder and CEO, Johanna Diaz, has more than 10 years in the financial industry. Top Agent Magazine has featured Credit Rx.

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DHP Credit Repair LLC logo

DHP Credit Repair LLC

222 West Merchandise Mart Plaza, Chicago, IL 60654
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  • Credit Monitoring
  • Credit Audit

DHP Credit Repair LLC is a credit restoration company that serves the residents in the Naperville metro. The agency has different credit repair packages for its clients that include lessons on how to maintain credit, hard inquire removals, and a six-month coaching program. It audits certain reports, identifies credit errors, disputes the discovered mistakes, and negotiates steps with creditors and credit bureaus. In addition, its team also provides counseling services to manage money and stay debt-free. DHP Credit Repair offers its services nationwide.

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KT Credit Solutions logo

KT Credit Solutions

1 Westbrook Corporate Center Suite 300, Westchester, IL 60154
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  • Debt Consolidation
  • Credit Dispute

KT Credit Solutions is a credit repair company serving clients in Naperville. It helps customers restore, rebuild, and raise their credit scores. It aims to get customers' financial life back through constant education on how they can raise their credit scores, settle their debts, and deal with debt collectors. It focuses on removing or updating inaccurate, misleading, unverifiable late pay, charge-offs, collection accounts, tax liens, judgments, bankruptcies, repossessions, or foreclosures. It helps identity theft accounts and wrong personal information.

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Nationwide Credit Clearing logo

Nationwide Credit Clearing

2336 North Damen First Floor, Chicago, IL 60647
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  • Credit Dispute

Nationwide Credit Clearing offers credit repair services in Naperville. Some of its services are handling credit disputes, monitoring credit, and reviewing client credit reports. Its credit clearing process assesses individual credit situations and reviews information that utilizes options and methods of credit clearing. Its credit clearing program offers several levels: consultative services, 24/7 access to the portal, email and text message updates, and credit education. Nationwide Credit Clearing has been operating for 26 years.

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Pro Credit Repair logo

Pro Credit Repair

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

Pro Credit Repair, LLC, is a debt management company that serves clients in Naperville. It specializes in improving clients' credit records by eliminating negative items, such as late payments, bankruptcies, charge-off accounts, and judgments, using proprietary methods. The company is well-versed in credit score models and the consumer laws governing credit bureaus, such as the Fair Credit Reporting Act, FDCPA, and the Credit Repair Organizations Act. Its owner holds certifications in credit restoration, credit score models, and optimizations.

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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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