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Best Credit Repair Companies in Toledo

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Toledo, OHToledo, OH

Credit Saint provides credit repair services to clients in Toledo and nearby communities. It helps clients understand their credit score and history, and locate any damage that has influenced their credit report. Through an online account page and private dashboard, Credit Saint can update clients with a full analysis and progress report of their credit repair. The company will also equip clients with tips and techniques on how to leave a positive credit history.

Toledo, OHToledo, OH

Website(857) 800-9479

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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.

Online Profiles:

1 (Good)

Average Review Score:

4.8 / 5 ( Best)

Total Reviews:

4092 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1715 Indian Wood Circle, Maumee, OH 43537
Maumee, OH 43537

Sparkle Credit Solutions LLC develops a personalized plan to help its clients achieve their financial goals. The company's consultants analyze the individual's credit reports and explains the current credit status. They create a customized dispute letter, which is sent on the client's behalf. The company has successfully and legally removed a wide variety of negative items, including judgments, collections, foreclosures, and bankruptcies. Clients receive instant 24/7 online access to their account and assistance with developing better budgeting habits.

1715 Indian Wood Circle, Maumee, OH 43537
Maumee, OH 43537

Website(218) 432-2925

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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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

18 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

5577 Airport Hwy Ste 200, Toledo, OH 43615
Toledo, OH 43615

Founded in 2005, Smart Money Management helps clients in Toledo and surrounding areas rebuild their credit. Services available from this firm include financial management, personnel bookkeeping, and student loan consolidation services. It also helps its clients establish financial plans by using its bookkeeping system, and it assists in debt decisions, including settlements, consolidation, and bankruptcy filings. Additionally, the firm offers clients student loan consolidation programs that may significantly reduce interest rates and monthly payments while keeping clients on track for loan repayment. Smart Money Management also analyzes credit reports and disputes old and incorrect data with an eye toward boosting clients' credit scores.

5577 Airport Hwy Ste 200, Toledo, OH 43615
Toledo, OH 43615

Website(419) 830-4104

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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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

5 (Good)

Score Consistency:

Consistent (Best)

1715 Indian Wood Cir Ste 200, Maumee, OH 43537
Maumee, OH 43537

Velocity Credit Solution is a credit repair company serving Toledo that offers effective financial programs to help people raise their credit scores. Its credit counselors identify any inaccurate information on credit reports that are bringing down a client's credit score. To begin the repair process, the company uses consumer laws to dispute negative items such as late payments, tax liens, charge-offs, bankruptcies, and identity theft with the credit agencies. When the credit reports come back, Velocity Credit Solution makes sure that all unverifiable items were removed or corrected. It also teaches clients how to continue raising their credit scores and stay out of debt.

1715 Indian Wood Cir Ste 200, Maumee, OH 43537
Maumee, OH 43537

Website(419) 782-1887

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3454 Oak Alley Ct Ste 505, Toledo, OH 43606
Toledo, OH 43606

Witness Riches | The 700 Club is a credit repair company in Toledo that's been operational since 2013. The team helps clients raise their credit scores by petitioning for the removal of negative items from credit reports from all three reporting agencies. It disputes up to 30 negative items each month and handles all correspondence. The company seeks validation for charge offs, collections, judgments, late payments, and bankruptcies. It works on issues surrounding incorrect addresses, foreclosures, tax liens, inquiries, and repossessions. The company offers unlimited real-time customer support via email, phone, text, or social media. Witness Riches also delivers credit education to its clients.

3454 Oak Alley Ct Ste 505, Toledo, OH 43606
Toledo, OH 43606

Website(567) 318-5210

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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.

Online Profiles:

2 (Better)

Average Review Score:

4.8 / 5 ( Best)

Total Reviews:

215 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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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