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Best Credit Repair Companies in North Las Vegas

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Credit Saint logo
FEATURED
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Free Credit Evaluation

Credit Saint

North Las Vegas, NV
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  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Business Description

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

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
4.9 / 5 (6432)
Yelp
2.5 / 5 (25)

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

North Las Vegas, NV
  • Consumer Credit Services
  • Credit Repair

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
3.9 / 5 (161)

Price: Free Credit Report Consultation

Credit Monsters logo
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Credit Monsters

900 East Charleston Boulevard, Las Vegas, NV 89104
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  • Credit Monitoring

Business Description

Credit Monsters is a law firm and credit counseling service provider that serves clients in North Las Vegas. It specializes in improving clients' credit ratings by removing inaccurate items from their credit records, such as bankruptcies, repossessions, tax liens, and late payments. The firm possesses in-depth knowledge of several consumer laws, including the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act of 2003. Credit Monsters has more than 20 years of experience in the credit repair industry.

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)
Fast Credit Solutions logo
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Fast Credit Solutions

1550 East Sahara Avenue, Las Vegas, NV 89104
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  • Credit Monitoring

Business Description

Fast Credit Solutions works with North Las Vegas clients to fix their credit scores and improve financial credibility. Its specialists analyze credit reports to clean up negative items such as bankruptcies, repossessions, garnishments, tax liens, and late payments. They dispute these errors on the client's behalf through the credit reporting agencies, creditors, or lenders so they are deleted from the credit report. The company can monitor the client's credit file for up to a full year to ensure that any inaccuracy is resolved promptly.

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
Google
4.7 / 5 (63)
Fortress University logo
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Fortress University

9155 W Flamingo Rd Suite 100, Las Vegas, NV 89147
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  • Debt Consolidation
  • Credit Monitoring

Business Description

Fortress University is a credit improvement business serving North Las Vegas. The company provides credit repair solutions such as financial education, credit report analysis, FICO score improvement, credit building guidance, and business funding assistance regardless of credit scores. Its team of paralegals, FICO specialists, and dispute processors checks for violations on credit reports, challenges negative items, and coordinates with credit bureaus. Fortress University also assists consumers in selecting credit card products to rebuild their credit scores.

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
Facebook
4.4 / 5 (121)
New Outcomes Credit Solutions logo
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New Outcomes Credit Solutions

5135 Camino Al Norte, North Las Vegas, NV 89031
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  • Credit Audit

Business Description

New Outcomes Credit Solutions is a credit repair firm that serves individuals and commercial enterprises in North Las Vegas. The company aids clients in improving their credit scores through consultation, credit analysis, credit and financial education, and debt management programs. Additionally, it assists business owners with company setup, credit building, and business credit restoration. Its team also helps businesses to obtain financing through loans and credit lines. New Outcomes Credit Solutions has over 15 years of experience in the industry.

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)
Silver State Credit Services logo
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Silver State Credit Services

2421 Tech Center Court, Las Vegas, NV 89128
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  • Credit Dispute

Business Description

Silverstate Credit Services is a credit counseling company serving individuals in the North Las Vegas area. It uses its knowledge of consumer laws, the client's rights established in the Fair Credit Reporting Act, and its experience with credit bureaus to help restore credit scores. Silverstate Credit Services also assists its customers in removing late payments, inquiries, closed accounts, repossessions, and foreclosures in their credit reports. Moreover, it handles disputes regarding identity theft, bankruptcies, and fraud.

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
Google
3.0 / 5 (7)

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
Vivix Credit Solutions logo
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Vivix Credit Solutions

7795 West Sahara Avenue, Las Vegas, NV 89117
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  • Credit Audit
  • Credit Dispute

Business Description

Vivix Credit Solutions is a credit repair company that serves residents in the area of North Las Vegas. Its services include credit repair, credit building, and credit score review, as well as removal of foreclosures, filing of disputes, and debt settlement. This company fixes inaccuracies by removing negative items from its clients' credit reports and creating an individualized strategy to maintain good credit standing. Since its establishment in 2006, Vivix Credit Solutions has helped individuals achieve their financial goals and buy their dream 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.
4.6
Google
4.7 / 5 (234)
Yelp
4.0 / 5 (46)
Facebook
4.5 / 5 (31)
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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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