Best Credit Repair Companies in Lawrence

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Credit Saint logo
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Credit Saint

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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
AWC Innovations LLC logo
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AWC Innovations LLC

11880 West 95th Street, Overland Park, KS 66214
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  • Credit Monitoring

Business Description

AWC Innovations LLC is a diverse financial service company that caters to the needs of individuals in Lawrence and neighboring communities. The company provides clients with various credit repair services, which include helping them to repair their credit scores using consumer protection laws, such as FCRA and FDCPA, and equipping them with tools to get educated about credit and score maintenance. The professionals at AWC Innovations also offer clients assistance in spotting opportunities for improvement using in-depth analysis and strategies.

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
Credit Sense Credit Repair logo
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Credit Sense Credit Repair

2811 E 67th St, Kansas City, MO 64132
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  • Credit Monitoring

Business Description

Credit Sense Credit Repair helps people in Lawrence and the surrounding areas. Its members review reports, assisting individuals in understanding the status of their scores and histories. They recommend solutions for restoring credit and monitoring scores through third-party affiliates based on red flags identified in reports. The service professionals also help with lowering interest rates, achieving a more manageable method of debt repayment, and budgeting income. Tools such as educational resources for credit restoration are among the services provided by the agency.

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 (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
The Credit Companion logo
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The Credit Companion

2816 SW Tutbury Town Court, Topeka, KS 66614
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  • Credit Monitoring

Business Description

The Credit Companion caters to the needs of consumers in the Lawrence community and surrounding areas. It provides credit improvement services to remove unverifiable and incomplete information on credit reports, such as bankruptcies, civil liens, student loans, and charge-offs. Its team of credit professionals conducts assessments, corresponds with credit reporting agencies, implements solutions, and tracks progress. The company provides credit counseling and educational resources or tools to help consumers develop better financial awareness.

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

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.

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.

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.

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