Best Credit Repair Companies in Lees Summit

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Ches, Inc. logo

Ches, Inc.

3125 Gillham Plaza, Kansas City, MO 64109
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  • Credit Monitoring

Established in 2010, Ches, Inc., is a non-profit financial empowerment organization that brings credit repair solutions to individuals in Lees Summit and the surrounding areas. The company protects clients from credit denials and higher insurance costs and interest rates by fixing inaccurate credit profiles. It helps clients remove negative items like mismanaged finances and foreclosures, provides budgeting tools to identify and improve spending habits, and gives access to calculators that assist clients in planning for a large purchase.

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Kansas City Credit Repair Service logo

Kansas City Credit Repair Service

Kansas City, MO 64116
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  • Credit Monitoring
  • Credit Dispute

Kansas City Credit Repair Service caters to business owners and individuals in Lees Summit. It helps clients improve their credit profiles by identifying inaccurate and negative items on their reports. The company directly connects with creditors and credit bureaus to dispute these inaccuracies and negotiate their removal. Credit repair plans for couples are available. The company also helps the victims of identity theft by monitoring credit reports 24/7, providing insurance options, and deploying dark web monitoring.

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Patton & Dean, LLC logo

Patton & Dean, LLC

304 SE Third St, Lee’s Summit, MO 64063
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  • Debt Consolidation
  • Credit Dispute

Patton & Dean, LLC, is a bankruptcy law firm that serves Lees Summit and its surrounding areas. The legal practice helps clients rebuild credit following their bankruptcies. It examines credit reports in detail to identify negative items and disputes inaccurate and out-of-date information with bureaus to have them removed. It files lawsuits against agencies in case they fail to take action. The firm’s pair of lawyers also offers representation for low-income individuals through the Volunteer Attorney Project.

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Strategic Moves Financial Solutions logo

Strategic Moves Financial Solutions

Raytown, MO 64133
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  • Credit Monitoring
  • Credit Audit

Strategic Moves Financial Solutions is a full-service credit repair company serving clients in Lees Summit and the surrounding localities. The firm offers professional credit repair services that can help individuals gain financial freedom and improve their credit scores. Its credit restoration specialists conduct an in-depth review of credit reports and challenge any negative information with credit bureaus, creditors, and collectors. The firm also offers a DIY credit restoration kit and a 12-month financial planner. The company has been serving clients since 2019.

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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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