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Best Credit Repair Companies in Gary

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America Fix Your Credit logo

America Fix Your Credit

2701 Willowcreek Rd Suite #222, Portage, IN 46368
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  • Credit Monitoring

America Fix Your Credit helps people in Gary and nearby areas boost their credit scores. Its team eliminates the negative items in an individual's credit profile, including collections, debts, records of injunction, declaratory judgments, tax liens, and repossessions. It reviews credit reports from major credit bureaus, implements dispute action plans, and generates dispute letters if needed. It extends its services to businesses and helps them build corporate credit profiles. The firm offers 24/7 support.

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BINND logo

BINND

Gary, IN
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  • Credit Monitoring

BINND has been serving clients in Gary and the surrounding areas for over two decades. The company works with individuals looking to fill the gap between their finance education and financial freedom. It offers a wide array of services, including credit repair, career counseling, and job readiness preparation. Its credit repair solutions involve restoring the client's score through report analysis, rebuilding assistance, and consultations. The company also offers tax preparation, website design, and bookkeeping services.

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Credit Firm logo

Credit Firm

1020 Milwaukee Ave. Suite 122, Deerfield, IL 60015
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  • Credit Monitoring

Credit Firm caters to customers in Gary and the surrounding areas. Since 1997, its consultants have been helping consumers improve their financial situations and avail of the benefits that come with having good credit like applying for loans and qualifying for lower interest rates. They analyze reports, dispute negative items that affect their clients' scores, and reach out to agencies to have them removed. The company received commendations from a previous client for helping her purchase a home by increasing her scores.

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Dependable Credit Fix logo

Dependable Credit Fix

Chicago, IL
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  • Credit Dispute

Dependable Credit Fix serves individuals in Gary. Each client is assisted by a case analyst who reviews credit reports from credit bureaus to legally dispute and delete inaccurate, erroneous, and obsolete information from credit profiles and give clients better purchasing power. Case analysts routinely work with items like credit card debt, late payments, charge-offs, bankruptcies, tax liens, and repossessions. The company also provides access to online accounts 24/7 for live status updates on credit reports and score improvements.

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Flyy Credit logo

Flyy Credit

15941 Harlem Ave #284, Tinley Park, IL 60477
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  • Credit Dispute

Flyy Credit works with residents of Gary who require score remediation solutions. The company works with debtors through its online facility that offers initial advice on reversing negative marks on their records and obtaining manageable financing options. The firm also delivers written guides that teach individuals and businesses how to manage their financial obligations with minimal fuss. Flyy Credit's customers range from single moms struggling to buy their first homes to entrepreneurs seeking to set up new ventures.

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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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