Expertise.com

2024

Last updated:

Best Credit Repair Companies in Plymouth

Our Recommended Top 3

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 Plymouth 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.

56Reviewed

34Curated

3Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
5115 Excelsior Blvd #244, St. Louis Park, MN 55416
  • Debt Consolidation
  • Credit Audit
  • Credit Dispute

Why choose this provider?

Credit Care, LLC, serves individuals in Plymouth and the neighboring areas. Its team provides credit repair services, assisting clients in obtaining loan approval, lowering interest rates, and increasing credit limits. It identifies inaccurate information that brings down the client's credit scores and challenges bureaus about the inaccurate, unverifiable, and misleading information on their credit reports. Tax liens, short sales, foreclosures, repossessions, and medical bills are among the items that its team updates, corrects, and removes.

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

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.
2.5
Responsiveness
Friendliness
Helpfulness
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Detail
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Website
Minneapolis, MN 55402
  • Credit Audit

Why choose this provider?

Credit Repair Minnesota serves the locals of Plymouth and the surrounding communities. Using verified procedures, its professionals have facilitated many clients in repairing their scores or reversing the continued decrease of credit limits. The Minneapolis-based company provides assistance to clients getting harassed by creditors and loan providers by disputing their scores. It also provides education on credit factors and how understanding they bring in better control over the clients' expenses.

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

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

Website
​5747 W Broadway Avenue, Suite 212A, Crystal, MN 55428
  • Credit Audit

Why choose this provider?

Credit Clever assists Plymouth citizens in boosting their credit scores. The firm examines its clients' credit reports, looking for negative and unverifiable accounts that affect their standings. It handles the negotiation process with credit bureaus and creditors to remove these items. Its team provides clients with 24/7 access to their accounts, allowing them to keep track of their progress. Credit Clever also works with real estate agents, Realtors, and loan brokers to help families obtain approval for their loans. It can accommodate Spanish-speaking 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
5.0 / 5 (2)

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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