Expertise.com

2024

Last updated:

Best Credit Repair Companies in Overland Park

Our Recommended Top 8

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 Overland Park 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.

134Reviewed

83Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Overland Park, KS

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair
Lexington Law logo

Lexington LawExpertise.com

Overland Park, KS
Free Credit Report Consultation

Expertise.com Rating

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.

  • Consumer Credit Services
  • Credit Repair

1300 East 104th Street, Kansas City, MO 64131

Expertise.com Rating

Review Sources

Google
5.0 (22)

Why choose this provider?

Rescore provides credit repair services to the community of Overland Park. Its team of professionals assists in debt settlement and consolidation, credit monitoring, student loan consolidation, business credit, and bankruptcy. They also offer financial planning and education, budget and divorce coaching, and notary services. The firm's CEO, Janna Fox, has been in the field of credit repair for almost a decade. She specializes in educating clients and establishing relationships with referral partners.

  • Credit Monitoring

2016 Swift Street, North Kansas City, MO 64116

Expertise.com Rating

Review Sources

Google
4.3 (29)

Why choose this provider?

Kansas City Credit Services is a credit repair company serving clients in Overland Park. It provides credit repair programs tailored to suit its clients' goals and financial capabilities. Since 1991, it has helped over 110,000 customers build a healthy credit profile and correct errors to ensure accurate credit rating. Its personalized concierge services allow its customers to achieve better insurance benefits, better interest rates, and qualify for loans. Kansas City Credit Services also handles student and payday loans, debt relief, and identity theft.

  • Credit Dispute

11880 West 95th Street, Overland Park, KS 66214

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

AWC Innovations LLC is a financial service company in Overland Park that serves residents throughout the local area. It focuses on various services of credit repair, which include using consumer protection laws, such as FDCPA and FCRA, to help clients restore their credits in a legal manner. Its credit repair professionals have experience analyzing reports to determine opportunities for improvement and providing clients with credit consultation and financial education. AWC Innovations handles charge-offs, inquiries, collection accounts, and bankruptcy.

  • Credit Audit

25493, Overland Park, KS 66213

Expertise.com Rating

Review Sources

Google
4.5 (15)
Facebook
5.0 (10)
Yelp
5.0 (1)

Why choose this provider?

KC Credit Guru, LLC offers credit repair services for clientele located in Overland Park and neighboring communities. Its team disputes unverified and incorrect credit information on behalf of its clients in order to provide them with an accurate credit score. The company provides full credit reports and audits to assist individuals in detecting erroneous, outdated, and unverifiable negative items. It creates a custom blueprint and obtains credit scores and reports from Experian, TransUnion, and Equifax.

  • Credit Audit

3125 Gillham Plaza, Kansas City, MO 64109

Expertise.com Rating

Review Sources

Facebook
4.6 (9)
Google
4.8 (6)

Why choose this provider?

CHES, Inc. is a non-profit organization that assists residents of Overland Park. It provides a variety of services, including credit restoration, which entails developing personalized plans to assist clients in becoming financially sustainable. Clients have access to an online money management course and educational and budgeting tools, which help them plan for large purchases, settle debt, and identify spending habits. Company president Coley Williams is a former financial analyst, who is certified in foreclosure prevention and loss mitigation by NeighborWorks America.

  • Credit Monitoring

11960 W 135th St, #112, Overland Park, KS 66221

Expertise.com Rating

Why choose this provider?

530 Credit Repair serves clients throughout Overland Park and the surrounding cities. This company helps individuals improve their credit scores and assists those who want to raise their scores for a conventional loan. It retrieves clients' credit reports from Equifax, Experian, and TransUnion and negotiates with lenders to remove negative items and inaccuracies on their credit reports. It also deals with credit bureaus and creditors. Additionally, the company helps individuals in improving their FICO scores.

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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