Best Credit Repair Companies in Lexington

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Apprisen logo

Apprisen

2265 Harrodsburg Road, Lexington, KY 40504
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  • Credit Dispute

Apprisen is a credit repair firm that delivers a range of financial services to the Lexington metro. The company empowers clients with financial coaching, financial health plans, comprehensive financial reviews, and debt management programs. The team also offers housing counseling, bankruptcy counseling, credit health education, and student loan education sessions. It is partnered with companies like BB&T, United Way, Republic Bank, and Kentucky Housing Corporation. Apprisen has been in business for more than 60 years.

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Bio Credit Pro logo

Bio Credit Pro

684 Graftons Mill Lane,, Lexington, KY 40509
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Bio Credit Pro is a credit repair company that serves customers in Lexington and the surrounding areas. It educates clients on the process of raising credit scores, rebuilding credit, settling debts, and dealing with debt collectors. It legally removes inaccurate, negative items, and incorrect alias names from the credit reports. The firm has helped hundreds of individuals go from bad to good credit using State and Federal Consumer Protection Laws with credit repair tactics available.

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Divergent Credit Pros logo

Divergent Credit Pros

Frankfort, KY 40601
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  • Credit Dispute

Divergent Credit Pros helps clients in Lexington improve their credit ratings. The company conducts a customized credit audit to help individuals maximize their scores and properly evaluate the causes of low credit standing. It also handles disputes with creditors and bureaus, verifying the basis of negative items to give individuals the security of an accurate credit score. The credit repair business also offers live status updates on reports through its interactive client portal.

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King Financial Repair logo

King Financial Repair

4965 West U.S. Highway 42, Goshen, KY 40026
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  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

King Financial Repair has been serving Lexington since 2013. It is owned by Julia King, a credit repair specialist with extensive industry experience. King and her team of experts use a real-time CRM system and workflow management tools. They conduct in-person consultations, which include evaluating the credit report and developing plans to improve credit scores. They also assist with loan applications and student loan consolidation. King Financial Repair is a member of the National Association of Credit Services Organizations.

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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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