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Best Credit Repair Companies in Saint Paul

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Bridge Credit Repair logo

Bridge Credit Repair

2908 Humboldt Ave S, Minneapolis, MN 55408
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Bridge Credit Repair is a credit repair company near Saint Paul that provides consumer, business, and mortgage credit restoration services. The firm works with creditors and the credit bureaus to dispute erroneous information on credit reports. Its experienced financial advisers and case analysts prepare necessary documents and guide clients through the entire credit repair process. The firm assists with late payments, bankruptcy, tax liens, foreclosures, charge offs, and collection accounts. Bridge Credit Repair offers credit education and works with mortgage, real estate, attorney, and tax professionals. It also uses a secure dashboard where clients can access their credit files on a 24/7 basis.

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Consumer Credit of Minnesota logo

Consumer Credit of Minnesota

5871 Cedar Lake Road, St. Louis Park, MN 55416
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Consumer Credit of Minnesota is a financial agency that offers credit repair services near Saint Paul for individuals and families struggling with debt. Its credit counselors review a client's assets and debts to determine what strategies are needed to improve their credit scores. It has a debt repayment program that consolidates a client's loans and credit bills into a single monthly payment. Consumer Credit also provides educational seminars to teach people how to manage their money better.

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Credilife logo

Credilife

12751 County Road 5 Ste 100, Burnsville, MN 55337
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Credilife is a financial wellness company that delivers credit repair services in the St. Paul area. The company's experts protect consumers' rights by engaging credit reporting agencies and working to have negative, unverifiable, and incorrect items removed from credit reports. The repair process involves credit report evaluation and dispute management with various credit bureaus and creditors. The company's credit life improvement program offers education about healthy credit practices, credit coaching, and budgeting concepts, as well as offering budgeting tools. Its business credit program helps businesses to obtain money and eliminate their debt. Credilife also provides credit counseling services, debt management assistance, and student loan solutions.

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Credilife® logo

Credilife®

12751 Co Rd 5 Ste 100, Burnsville, MN 55337
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Credilife's professionals work with individuals through a credit repair process. They also provide education on how to build better credit in the future in order to achieve goals. The company's consultants examine their clients' credit reports and submit requests for the reporting agencies to remove unverifiable or inaccurate items. As individuals' reports improve, they receive coaching on budgeting concepts and how healthy credit management provides greater options and money-saving benefits.

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Credit Remedy Consultants logo

Credit Remedy Consultants

445 Minnesota St Ste 1500, Saint Paul, MN 55101
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Credit Remedy Consultants is a credit repair company in Saint Paul that helps residents achieve desirable credit profiles and build confidence when applying for credit. Its professionals conduct step-by-step credit report analyses and offer personalized credit recommendations. They submit dispute letters to creditors and the credit bureaus to challenge negative report items, including inquiries that affect credit scores. The firm assists with late payments, charge offs, bankruptcy, and judgments. It also provides credit education and business and mortgage credit services. Credit Remedy Consultants offers email notifications and 24/7 status updates for clients to track the real-time progress of their credit repair.

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Credit Repair Minnesota logo

Credit Repair Minnesota

80 S 8th St Ste 900, Minneapolis, MN 55402
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Credit Repair Minnesota is a credit repair agency near Saint Paul. The company specializes in credit restoration, offering a detailed credit repair program that includes identifying inaccurate items and leading the dispute process with credit agencies. Its credit analysts research unverifiable entries on credit reports and work to remove these items to boost credit scores. They also provide credit education and budgeting information to teach clients more about finances, covering topics that include credit score calculations and mortgage ratings. Credit Repair Minnesota deals with late payments, bankruptcies, judgments, collections, and tax liens to help people through the credit restoration process and secure a better financial future.

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Kain & Scott, P.A. logo

Kain & Scott, P.A.

2780 Snelling Ave N Ste 302, Saint Paul, MN 55113
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Founded in 1972, Kain & Scott is a law firm offering credit repair services in Saint Paul to consumer credit users who need to improve their scores. The firm's credit repair program connects clients facing bankruptcy and in need of credit repair with a personal specialist who helps examine credit reports to find information that is legally removable due to inaccuracy, passage of time, or other factors. The company also offers educational courses designed to help clients improve or maintain an adequate credit score. Another helpful feature provided by Kain & Scott is its available list of post-bankruptcy lending professionals.

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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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