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Best Credit Repair Companies in Kansas City

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Credit Saint logo
FEATURED
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Free Credit Evaluation

Credit Saint

PO Box 110, Kansas City, MO
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  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Business Description

Credit Saint is a credit restoration company near Kansas City that is dedicated to assisting clients in improving their credit scores. The company aims to help clients understand that credit scores aren't just about credit damage. Credit Saint provides services tailored to each client's unique needs and goals. The company is passionate about educating clients to know more about how the process works in order to help protect them from any possible credit issues.

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.
4.8
Google
4.8 / 5 (5317)
Yelp
2.5 / 5 (23)

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

Price: Free Credit Evaluation

Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Kansas City, MO
  • Credit Repair
  • Consumer Credit Services

Business Description

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.

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.
4.3
Facebook
4.3 / 5 (2869)
Google
3.6 / 5 (77)

Price: Free Credit Report Consultation

Alfa Credit Repair, LLC logo
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Alfa Credit Repair, LLC

2300 Main Street, Kansas City, MO 64108
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Business Description

Alfa Credit Repair, LLC, is a local company that serves individuals, families, and businesses in Kansas City and the surrounding areas. Its team of credit repair specialists uses both conventional dispute processes and aggressive strategies to restore a client's credit. They focus on removing any error, outdated information, or unverifiable data from their client’s credit report. The team at Alfa Credit Repair, LLC, can help remove records of bankruptcies, charge-offs, late payments, foreclosures, garnishments, and repossessions.

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
Google
5.0 / 5 (1)

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
CHES, Inc. logo
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CHES, Inc.

3125 Gillham Plz, Kansas City, MO 64109
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Business Description

Located in Kansas City, CHES Inc. is a financial empowerment organization that provides assistance with credit restoration as well as the services of HUD-certified homeownership advisers. The organization works one-on-one with clients to assess their financial situation. It examines credit reports for errors and other factors that can cause clients' scores to be adversely affected, then provides a suitable plan of action to help clients restore their creditworthiness. Additionally, CHES provides 24/7 access to its online portal so clients can budget and calculate effective debt payments. CHES offers several other credit repair services in Kansas City, including education and counseling for building or restoring credit.

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.
4.7
Facebook
5.0 / 5 (2)

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
Consumer Credit Counseling Service logo
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Consumer Credit Counseling Service

11525 E 74th Street Ct, Kansas City, MO 64133
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Business Description

Consumer Credit Counseling Service is a credit repair agency in Kansas City with a strong focus on educating customers and helping them to plan their financial futures. It provides credit reports and scores and explains them in detail to clients, helping them create strategies to raise their credit scores. Additionally, it assists clients by disputing incorrect, unfair, or outdated credit report items, including collections, late payments, and charge-offs. It also offers a range of financial and credit education tools through an online portal, helps with budgeting and getting out of debt, and has resources available for clients who wish to buy homes.

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 (33)

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
Credit Law Center logo
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Credit Law Center

4041 Northeast Lakewood Way, Lee's Summit, MO 64064
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Business Description

Credit Law Center is a credit repair company that serves Kansas City. Its credit advisors help improve and maintain credit scores through credit monitoring. They also file disputes for unverifiable, missing, or negative items on clients' credit reports. Credit Law Center also has a legal team that handles debt defense for clients who are sued by debt collectors. The company has been featured in publications like Fox, CBS, NBC, and Cumulus.

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.
4.5
Google
4.0 / 5 (242)
Facebook
4.8 / 5 (1)

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
Credit Sense  Credit Repair logo
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Credit Sense Credit Repair

2811 E 67th St, Kansas City, MO 64132
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Business Description

Credit Sense Credit Repair, LLC, assists individuals located in the Kansas City metro. It reviews customers' credit reports to identify and challenge inaccurate and unverified information that may be present. Its analysts advise clients on how their credit scores affect their financial activities and help in improving their standing in order to pay bills or open accounts. The company offers a monitoring system powered by a third-party affiliate to check if clients' information is updated.

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
Google
5.0 / 5 (2)

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
Kansas City Credit Repair Service logo
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Kansas City Credit Repair Service

Kansas City, MO 64116
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  • Credit Monitoring

Business Description

Kansas City Credit Repair Service offers assistance to clients in the metro and throughout the nearby areas. The company comprises credit restoration counselors who are experienced, equipped with legal knowledge, and know how to identify and challenge unverifiable or erroneous information in customers' credit histories. They also educate customers on understanding their credit reports and achieving good credit. In addition to credit repair, the company helps clients who have been victimized by identity theft.

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
KC Credit Services logo
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KC Credit Services

2016 Swift Ave, North Kansas City, MO 64116
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Business Description

KC Credit Services is a credit repair company near Kansas City with over 25 years of experience in helping clients improve their credit scores. It also assists them in achieving financial goals, including buying homes and cars. Its services focus on those with debt, beginning with full audits of credit reports from the three major bureaus, then following up with dispute submission to remove unverified or erroneous items it finds in those records. Additionally, it offers personalized recommendations on how to build credit, comprehensive credit education, access to a wide range of credit lines, and a business credit program aimed at companies that need funding.

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.
4.1

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
Mikel's Financial Group logo
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Mikel's Financial Group

107 W. 9th Street, 2nd Floor, Kansas City, MO 64105
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  • Debt Consolidation
  • Credit Dispute

Business Description

From its office in Kansas City, Mikel's Financial Group offers solutions to repair clients' credit scores. Through their experience in handling consumer, mortgage, and business credits, the case analyst and advisor assigned to every client strive to restore creditworthiness by preparing and submitting documents in raising disputes with credit agencies. About 93 percent of past clients have attested to achieving a 10-point increase on their score in the first 35 days since they enrolled in the firm's credit education program.

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
Google
5.0 / 5 (2)

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
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Frequently Asked Questions

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.

Is credit repair legal?

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.

How do you repair credit after identity theft?

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.

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