Expertise.com

2024

Last updated:

Best Credit Repair Companies in Hammond

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Hammond Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

63Reviewed

42Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Hammond, IN

Expertise.com Rating

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

  • Credit Repair
  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit

Hammond, IN

Expertise.com Rating

Why choose this provider?

Need help contacting a Credit Repair Company in Hammond? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

3731 Prairie Ave #515, Brookfield, IL 60513

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

On Path Credit caters to clients in Hammond. The company provides credit repair solutions that can assist clients in restoring bad credit and rebuilding their credit profiles. Its credit restoration specialists handle the entire credit repair process, from auditing its client's credit history to challenging any negative information with creditors and major credit bureaus. The company also offers a credit education program that can help individuals achieve long-term financial freedom. Its credit consultants have backgrounds in business, banking, and real estate.

  • Credit Monitoring

1805 W. Monterey Ave Unit 438382, Chicago, IL 60643

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Review Sources

Google
5.0 (2)

Why choose this provider?

Reese J Consulting provides financial solutions to individuals and businesses in Hammond and the surrounding areas. The firm assists clients in various aspects of credit, including company credit identity and rating building, repair and restoration, loan assistance, and auditing. Its professionals validate and verify potentially incorrect information from creditors, credit bureaus, and collector agencies and develop customized game plans tailored to clients' needs and goals. Reese J Consulting is certified with the CCA and FCRA.

  • Debt Consolidation

15941 Harlem Ave #284, Tinley Park, IL 60477

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Why choose this provider?

Flyy Credit provides solutions to individuals and businesses in Hammond and nearby areas. It offers one-on-one services to help clients repair and rebuild credit, as well as build business credit scores. Its team conducts online educational courses and provides e-books to help clients understand credit scores, debt elimination, and sustainable wealth building. Flyy Credit has lessons on credit-building fundamentals and effective money-saving strategies that show how to eliminate bank fees, analyze credit reports, and dispute negative items.

  • Credit Monitoring

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

Expertise.com Rating

Review Sources

Facebook
3.6 (29)
Google
5.0 (8)

Why choose this provider?

Simmons Financial Solutions caters to customers in the Hammond metro and the surrounding communities. It offers credit restoration services, helping clients improve their credit scores and get approved for different types of loans. Its process involves providing deep credit analysis, identifying the incorrect and misleading items on the clients' credit reports, and sending dispute letters to the credit bureaus. Some of the unverifiable information it removes are charge-offs, collection accounts, inquiries, late payments, medical bills, and tax liens.

  • Credit Dispute

401 N Michigan Ave Suite 1200, Chicago, IL 60611

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Why choose this provider?

Project Restoration provides credit repair solutions to individuals and business owners in Hammond and the surrounding communities. The company incorporates credit education and training into its program which is designed to remove negative items from the clients' credit reports. It also offers financial and credit counseling to help clients achieve financial independence. Project Restoration has helped more than 3,400 families purchase investment properties, start businesses, and acquire approval for personal and business loans.

  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Chicago, IL

Expertise.com Rating

Review Sources

Google
4.9 (48)

Why choose this provider?

The Credit Repair Pros helps Hammond residents and business owners in improving their financial situation. The firm assists clients in removing inaccurate reports from their credit profiles that may be due to delinquent payments, faulty debts, or identity theft. Its professionals conduct assessments, devise strategies, create action plans, correspond with debt collectors, and negotiate with credit bureaus such as Experian, Equifax, and TransUnion. They also provide educational resources regarding maintaining good credit scores and utilizing credit solutions.

  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

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

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Why choose this provider?

Kenise Consulting provides credit restoration solutions to individuals and families in the Hammond area. Its advisors analyze clients' credit reports to identify the errors and discrepancies, such as collections, bankruptcies, foreclosures, repossessions, and late payments. The business writes and submits custom dispute letters to challenge the inaccurate information. Its team also provides strategies to help customers overcome the issues of having bad credit scores. Kenise Consulting has a user-friendly portal that gives clients updates on their progress every 30-45 days.

  • Credit Monitoring
  • Credit Audit

6340 Kennedy Ave., Hammond, IN 46323

Expertise.com Rating

Review Sources

Facebook
5.0 (30)
Google
4.9 (19)

Why choose this provider?

All in One Tax Services serves the needs of businesses and individuals in Hammond and the surrounding areas. It assists clients in improving their credit scores and devising strategies for businesses. Its professionals guide clients in every step of the process, including consultation, action plan creation, and progress monitoring. They also offer other solutions, such as tax return preparation, life insurance assistance, and notary services. The firm was established in 2016 by Jennifer Williams. She conducts credit repair classes.

  • Debt Consolidation

Chicago, IL 60007

Expertise.com Rating

Why choose this provider?

Dependable Credit Fix is a firm serving Hammond and nearby locations. It offers credit repair services, which involve disputing with creditors and credit bureaus and challenging negative items such as foreclosures, late payments, tax liens, and bankruptcies. The company takes care of preparing the needed documents, including custom dispute letters. Clients have access to their credit scores, allowing them to monitor their progress in real-time. Dependable Credit Fix works with tax professionals, real estate agents, and attorneys with clients who need credit restoration assistance.

  • Credit Monitoring

FAQs

  • 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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