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Best Credit Repair Companies in Cincinnati

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A Debt Coach Credit Counseling logo

A Debt Coach Credit Counseling

71 Cavalier Blvd Ste 224, Florence, KY 41042
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A Debt Coach Credit Counseling is a nonprofit credit counseling service with over 20 years of experience assisting clients in the Cincinnati area. The company offers clients a debt management program to help improve credit scores that can negatively impact the ability to secure credit, loans, insurance, or apartment rentals. Its instructors educate consumers on ways to access and review their annual credit report and credit score and show them how to identify and dispute any inaccuracies. A Debt Coach Credit Counseling is approved by the US Department of Justice to offer pre-filing credit counseling to people about to file for bankruptcy protection, in addition to providing post-filing debtor education services.

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ASAP Credit Repair logo

ASAP Credit Repair

6809 Main Street, Cincinnati, OH 45244
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ASAP Credit Repair is a Cincinnati-based company that assists clients in improving their credit scores. The ASAP team helps clients remove bankruptcies, charge offs, credit fraud, foreclosures, judgments, late payments, and other factors affecting their credit score. Its experts do this through a three-step process that involves reviewing credit history to find items that can be disputed, communicating with credit bureaus to dispute inaccuracies in the client's credit report, and educating the client to avoid similar problems in the future.

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Beyond Credit Repair logo

Beyond Credit Repair

8075 Reading Road Suite 300 H&I (3rd Floor), Cincinnati, OH 45237
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Beyond Credit Repair is a credit repair company in Cincinnati that helps clients improve their credit scores. The credit repair process involves private assessments, personal consulting, and identity documentation. The professionals are well trained in statutes, recent laws, and credit reporting practices, and they strive to ensure that credit reports contain only correct information. They tackle negative items on reports by sending dispute letters to credit bureaus. The staff offers monthly credit repair updates and coaching, and clients have access to a customer portal to monitor progress. Additional services include credit and debt counseling to educate clients on proper credit management. Beyond Credit Repair supports small businesses through multiple startup assistance services.

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Complete Credit Repair Services logo

Complete Credit Repair Services

4030 Mount Carmel Tobasco Rd Ste 125, Cincinnati, OH 45255
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Complete Credit Repair Services provides credit repair services in Cincinnati and the surrounding areas. Its professionals analyze the authenticity of personal information in credit reports to determine false or outdated information. They use leading-edge software to document and send the dispute items weekly, thereby hastening the credit repair process. The firm works with all credit bureaus to provide both limited and unlimited dispute analysis. It offers credit improvement strategies, financial improvement stimulation, and credit education sessions. Clients have access to a secure portal 24/7, and the repair team provides monthly progress updates via text or email.

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Credit Lynx logo

Credit Lynx

228 Mill St Ste 200, Milford, OH 45150
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Credit Lynx, a credit repair company serving the Cincinnati area, seeks to improve its clients' credit. It handles disputes with all three credit bureaus and intervenes with clients' creditors as needed. Customers have access to a personalized online dashboard to monitor and track progress. Credit Lynx offers its clients knowledge about their credit rights as well as current information on credit-related law. It provides personal financial tools, including financial calculators similar to those experts use. The company's specialists evaluate clients' credit reports, check items that are harming each customer's credit score, and recommend the best credit restoration plans for each client.

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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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