Best Credit Repair Companies in Independence

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Alfa Credit Repair, LLC logo

Alfa Credit Repair, LLC

2300 Main St Suite 900, Kansas City, MO 64108
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  • Credit Monitoring
  • Credit Audit

Alfa Credit Repair, LLC, caters to clients in Independence. The firm helps individuals restore their credit, providing an initial consultation to determine their financial situation and objectives. Its professionals educate clients on the factors determining their credit scores, such as payment history, amounts owner, and types of credit in use. They create personalized credit repair strategies and remove various items on the client's report. These items involve late payments, charge-offs, identity theft, and foreclosures, in addition to bankruptcies, repossessions, and garnishments.

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Credit Law Center logo

Credit Law Center

4041 NE Lakewood Way Ste 140, Lee’s Summit, MO 64064
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  • Credit Audit
  • Credit Dispute
  • Credit Repair

Credit Law Center provides services to individuals in the Independence metro and nearby areas. It offers credit repair solutions to help clients resolve foreclosure, bankruptcy, and short sale history issues. The company's credit advisors investigate and monitor accounts to address bad credit histories. The attorneys at the firm deal with debt negotiation and defense, helping clients file claims against banks and collection companies and attorneys. Credit Law Center has been in the industry since 2007.

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Credit Protection USA logo

Credit Protection USA

4041 NE Lakewood Way #230, Lee's Summit, MO 64064
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  • Credit Monitoring

Credit Protection USA serves individuals in and around the Independence area. Its credit repair program involves creating disputes with creditors and credit bureaus; handling creditor calls; and settling judgments, collections, and repossessions. Its team of credit score specialists also sues creditors for incorrect information and represents clients before creditors who instigate legal proceedings. Credit Protection USA also provides credit monitoring and education. The company has assisted more than 30,000 clients since it started operating in 2011.

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Credit Sense Credit Repair logo

Credit Sense Credit Repair

10001 Walnut Drive, Suite 101, Kansas City, MO 64114
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  • Credit Monitoring

Credit Sense Credit Repair is a financial services company that serves clients in the Independence area. It provides various credit repair services, including credit report analysis and monitoring. To improve financial literacy, the company educates people on matters like debt-to-income ratios and interest rates. It maintains an online portal to help individuals access their credit status 24/7. Credit Sense Credit Repair runs social media pages that contain informative content such as debt management tips.

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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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