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Best Credit Repair Companies in Germantown

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Asap Credit Repair - Laurel logo

Asap Credit Repair - Laurel

910 Fairlawn Ave, Laurel, MD 20707
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  • Credit Monitoring

Asap Credit Repair - Laurel is a family-owned and family-operated business that serves clients in Germantown. The company has been in the industry since 2013, providing credit repair, restoration, consultation, and education services. It sends dispute letters to credit bureaus to challenge the clients' reports and remove negative items on their accounts. These items include bankruptcies, foreclosures, repossessions, collections, judgments, and late payments. The company also provides ongoing credit monitoring, allowing clients to stay on track and maintain healthy credit scores.

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Cure My Credit Score logo

Cure My Credit Score

9466 Georgia Ave, Suite 2105, Silver Spring, MD 20910
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  • Credit Monitoring

Cure My Credit Score caters to clients throughout Germantown and the surrounding communities. The company assists individuals in restoring their credit scores to help them purchase homes or cars by creating custom credit repair strategies. It also gives clients access to an extensive collection of coaching videos to help them gain knowledge and tips about repairing their credit scores. In addition to coaching videos, the company's team guides clients in one-on-one sessions and in-person coaching using 3D materials.

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Express Tax & Credit Repair logo

Express Tax & Credit Repair

3697 Park Avenue, Suite #102,, Ellicott City, MD 21043
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  • Credit Dispute

Express Tax & Credit Repair provides a variety of financial solutions to Germantown residents. Its services include credit restoration, which begins with a report evaluation to identify inaccurate and negative items. The agency's credit professionals advise on how to improve scores and maintain positive ratings. They also provide debt settlement services to avoid collector harassment. In addition, the team offers tax preparation, accounting, loan, and bankruptcy assistance. The agency is a member of the National Association of Credit Services.

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Platinum Consulting logo

Platinum Consulting

600 South Clinton Street, 1st Floor, Baltimore, MD 21224
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  • Credit Audit

Platinum Consulting is a full-service credit advisory and repair firm serving clients in Germantown and the surrounding areas. It helps people achieve financial freedom and build an online and marketplace presence. Its professionals offer credit counseling to help clients establish good credit scores. They also work on correcting information from credit reports that affect the scores. In addition, the company provides private assessment, contacts creditors on clients' behalf, and sends necessary documentation back and forth.

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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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