Expertise.com

2024

Last updated:

Best Credit Repair Companies in Brooklyn Park

Our Recommended Top 6

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 Brooklyn 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.

62Reviewed

39Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Brooklyn Park, MN

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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

Lexington LawExpertise.com

Brooklyn Park, MN
Free Credit Report Consultation

Expertise.com Rating

Review Sources

Google
4.3 (4233)
Facebook
4.3 (2911)

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.

  • Credit Repair
  • Consumer Credit Services

6022 145th St N, Hugo, MN 55038

Expertise.com Rating

Review Sources

Google
5.0 (72)

Why choose this provider?

Aim Credit Repairs helps individuals in Brooklyn Park and the neighboring communities understand and improve their overall credit rating. The company helps clients in pulling their credit reports from Equifax, TransUnion, and Experian, and creates a file of contracts and reports that support credit repair efforts. It disputes CRA accuracy, sends correspondence to creditors, and keeps clients updated on credit score developments. Aim Credit Repairs also educates people on credit issues they might have, like tax liens, bankruptcies, and foreclosures.

  • Credit Dispute

7900 International Drive Suite 300, Bloomington, MN 55425

Expertise.com Rating

Review Sources

Facebook
5.0 (46)
Google
4.8 (8)

Why choose this provider?

Hispanic Solutions Group offers financial-related services in Brooklyn Park and nearby areas. It conducts credit repair services to help customers acquire investment properties like cars and residential spaces. The company communicates with clients to identify inaccurate information that lowers their credit scores. Its agents conduct consultations to evaluate credit histories and remove customers' bad records, which involve unpaid loans, tax liens, bankruptcies, and charge-offs. Hispanic Solutions Group works with TransUnion, Badcredit.org, Bankrate.com, and Lending Tree.

  • Credit Monitoring

5115 Excelsior Blvd #244, St Louis Park, MN 55416

Expertise.com Rating

Why choose this provider?

Credit Care helps clients in and around Brooklyn Park on improving their credit. It assists those looking to lower their interest rates, obtain higher credit limits, and restore their financial life through its credit repair services. It identifies inaccurate information on credit reports and challenges credit bureaus and creditors to remove inaccurate items, including bankruptcies, foreclosures, charge-offs, outdated information, and duplicates. It also conducts weekly education and support to help clients continue improving their credit scores.

  • Credit Monitoring
  • Credit Audit

​5747 W Broadway Avenue, Suite 212A, Crystal, MN 55428

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Credit Clever helps clients in Brooklyn Park and the surrounding communities reclaim their financial independence. It collaborates with credit bureaus to remove negative credit reports such as late payments, collections, and evictions. It makes use of an online tool that clients can use to track the progress of their credit scores in real-time. It also provides information and strategies for maintaining and improving credit scores. The company's team has extensive experience evaluating records and assisting customers in asserting their legal rights.

  • Credit Dispute

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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