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Best Credit Repair Companies in Naperville

2023

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Website
Naperville, IL
  • Money Back Guarantee
  • Credit building
  • Credit Audit
  • Credit Restoration
  • Credit Repair

Why choose this provider?

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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
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Lexington Law

Website
Naperville, IL
  • Consumer Credit Services
  • Credit Repair

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.

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 (2911)
Google
4.5 / 5 (390)

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 Report Consultation

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

Why choose this provider?

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.

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

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

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

Why choose this provider?

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.

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
Google
4.0 / 5 (24)
Yelp
5.0 / 5 (9)

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

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

Why choose this provider?

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.

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
Yelp
5.0 / 5 (2)

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

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

Why choose this provider?

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.

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

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

Why choose this provider?

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.

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
Facebook
5.0 / 5 (132)
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

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

Why choose this provider?

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.

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
Facebook
5.0 / 5 (1)

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

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

Why choose this provider?

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.

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
Google
4.0 / 5 (331)
Yelp
4.5 / 5 (49)
Facebook
3.0 / 5 (18)

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
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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.

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