Best Credit Repair Companies in Columbia

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MD Credit Repair logo
FEATURED
Less than $4/day

MD Credit Repair

102 Sutton Wick Rd., Pasadena, MD 21122
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  • Credit Dispute

Business Description

MD Credit Repair caters to clients in Columbia. The firm implements measures to help individuals improve their credit scores. These include reaching out to the three major credit bureaus to dispute inaccurate or erroneous information in reports, such as liens, repossessions, charge-offs, and student loans. This can help clients get mortgages and car loans with lower interest rates and smaller monthly payments. MD Credit Repair also conducts credit audits and educates clients on maintaining good credit.

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.
4.5
Facebook
4.6 / 5 (10)

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

Price: Less than $4/day

Rate:
99/monthly
Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Columbia, MD

Business Description

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.

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.
4.7
Google
4.7 / 5 (165)

Price: Free Credit Report Consultation

Advice Alliance logo
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Advice Alliance

10015 Old Columbia Road Suite B 215, Columbia, MD 21046
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  • Credit Monitoring

Business Description

Advice Alliance, based in Columbia, serves individuals and businesses throughout the metro. This company provides a wide variety of financial solutions, including credit repair and building. It handles revolving and installment accounts, late payments, medical bills, evictions, and repossessions and provides credit monitoring and monthly coaching services to help clients improve their scores. It also offers bookkeeping and payroll services and financial coaching sessions. Its team comprises certified financial coaches, assisting individuals in improving their financial standing.

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 (4)
ASAP Credit Repair - Fort Washington logo
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ASAP Credit Repair - Fort Washington

2600 Holly Dr, Fort Washington, MD 20744
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  • Credit Monitoring

Business Description

ASAP Credit Repair - Fort Washington operates in and around the Columbia area. It helps clients repair their credit scores from start to finish. This includes reviewing reports, repairing and restoring, consulting and educating, and providing continuous monitoring for any changes. It removes or updates inaccurate or unfair items such as late payment, repossessions and collections, bankruptcy, excessive inquiries, charge-offs, and foreclosure. The family-owned and family-operated company was founded in 2013 and has served over 46,000 clients.

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
4.6 / 5 (260)
Google
5.0 / 5 (4)

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
Bre Credit Repair Services LLC logo
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Bre Credit Repair Services LLC

4709 Harford Road Suite A #5, Baltimore, MD 21214
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  • Credit Monitoring
  • Credit Audit

Business Description

Bre Credit Repair Services LLC serves individuals and businesses in Columbia and nearby areas. It offers credit repair services, including consultations, customized strategies to improve scores, and the removal of inaccurate and negative items in credit reports. It handles inquiries, foreclosures, bankruptcies, student loans, medical bills, and late payments. The company conducts financial education classes on financial structures to help clients build plans for their lifestyle and retirement. It has been in the industry since 2015.

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 (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
Platinum Consulting logo
Visit WebsiteWebsite

Platinum Consulting

600 South Clinton Street, 1st Floor, Baltimore, MD 21224
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  • Debt Consolidation

Business Description

Platinum Consulting is a company that serves Columbia. Its credit repair specialists help consumers get out of debts and rebuild their credit to set them on the path to financial confidence. They assess reports to identify negative items that affect scores and negotiate with creditors on their behalf to remove incorrect information and improve their standing. The company also handles the documentation with agencies and counsels clients on building positive accounts. Plantinum Consulting carries years of experience in the industry.

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.
4.3
Google
4.3 / 5 (4)

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.
4.0
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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