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Best Credit Repair Companies in Silver Spring

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Bre Credit Repair Services LLC logo

Bre Credit Repair Services LLC

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

Bre Credit Repair Services LLC serves clients in Silver Spring. The business helps individuals and companies fix their credit scores and maintain their finances. It reviews reports to identify negative items that affect scores, such as charge-offs, collections, delinquencies, foreclosures, inquiries, and repossessions. It works with creditors and bureaus to remove derogatory information on the reports. The company also provides credit monitoring solutions through the MyScoreIQ website. It was established in 2015 with the goal of helping people build wealth and the lifestyle they want.

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Credit Pro Center logo

Credit Pro Center

659 Southlawn Lane, Rockville, MD 20850
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  • Credit Monitoring
  • Credit Audit

Credit Pro Center serves individuals and business owners in Silver Spring and its surrounding areas. It offers a wide range of services, from consultation and auditing to credit repair and monitoring. Credit analysis is also available. It uses the law to force credit reporting agencies to either prove that their information is accurate and verifiable or to update or delete it. It has a portal where customers can track the status of their credit reports.

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Delta Credit Solutions L.L.C. logo

Delta Credit Solutions L.L.C.

15210 Dino Dr, Burtonsville, MD 20866
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  • Credit Dispute

Delta Credit Solutions L.L.C. helps residents of Silver Spring and neighboring areas take back control of their finances. Its team specializes in credit repair and debt solution services that involve the removal of negative report accounts, such as charge-offs, collections, foreclosures, repossessions, and judgments. It works directly with the three major credit reporting bureaus to dispute the removal of these negative items. In addition to the removal of bad credit, the team educates clients on how to improve and maintain their credit scores.

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Healthy Credit Habits logo

Healthy Credit Habits

Silver Spring, MD
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  • Credit Audit

Healthy Credit Habits assists clients in the Silver Spring area. The company offers credit repair solutions to help people raise their credit scores. These solutions include contesting negative information in reports from the three major credit bureaus, such as charge-offs, liens, student loans, and repossessions. It also conducts credit audits to find more ways to improve credit ratings and provides advice on building credit through credit cards and rent reporting. The company is part of the Credit Consultants Association.

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MD Credit Repair logo

MD Credit Repair

8314 Hope Point Ct, Millersville, MD 21108
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  • Credit Monitoring

MD Credit Repair is a small business catering to Silver Spring residents. It helps clients improve and leverage their credit score by conducting a consumer or business credit analysis and preparing, reviewing, and submitting documents to dispute negatively impacting items with credit agencies. The company assigns case advisors and analysts that personally work with individuals. MD Credit Repair was founded by childhood friends Sean Locklear and Justin Allen. Together, they have served more than 1,000 clients.

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Super Credit Builders logo

Super Credit Builders

7761 Diamondback Dr, Suite 204, College Park, MD 20742
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  • Credit Audit
  • Credit Dispute

Super Credit Builders serves individuals in Silver Spring and its nearby areas. It provides consultations for credit repair, analysis, and recommendations. It works with creditors and bureaus to challenge negative report items that affect clients' scores. In addition, it offers credit education and correction solutions. It prepares documentation for various credit agencies. It partners with real estate, mortgage, and tax professionals. Its team has years of experience in evaluating credit and guiding customers in related matters.

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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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