Best Credit Repair Companies in Norman

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Moreland's Credit logo

Moreland's Credit

110 West Main Street, Norman, OK 73069
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  • Debt Consolidation
  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

The credit repair professionals at Moreland's Credit help Norman residents avoid credit denials, garnishments, and aggressive collection actions through credit restoration, which involves conducting an in-depth credit analysis. Its team designs credit rebuilding programs accordingly and handles the dispute process which entails contacting credit bureaus, collectors, and creditors to challenge inaccurate information. Moreland's Credit provides credit restoration services that adhere to the Fair Credit Billing Act, Fair Credit Repair Act, and the Fair Debt Collection Practices Act.

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Prime Elite Credit Repair logo

Prime Elite Credit Repair

3000 United Founders Boulevard, Oklahoma City, OK 73112
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  • Credit Monitoring

Prime Elite Credit Repair is a credit restoration company that assists clients in Norman who want to restore and improve their credit health. It offers personalized strategies in rebuilding credit scores suited for each client's plans and needs. By ensuring their clients' healthy credit records, Prime Elite Credit Repair helps them achieve financial freedom and plans such as applying for loans, credit cards, and even employment. The company also offers constant education when it comes to maintaining healthy credit and dealing with debt collectors.

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TRW Credit Services logo

TRW Credit Services

2810 Northwest 32nd Street, Newcastle, OK 73065
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  • Credit Dispute

TRW Credit Services is a privately held company that has been providing credit repair services to clients in Norman and the surrounding communities since 2010. Its services include credit correction, consulting, education, and rebuilding, as well as college planning and student loan consolidation. The company assists clients in obtaining Equifax, Experian, and TransUnion credit scores and reports. TRW Credit Services also offers fraud alert assistance and identity theft restoration services, which include insurance policies from AIG.

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Vance the Credit Doctor logo

Vance the Credit Doctor

425 West Wilshire Boulevard, Oklahoma City, OK 73116
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  • Credit Audit

Vance the Credit Doctor is a company serving customers in Norman and the surrounding areas. The company strives to improve its clients' credit scores by discovering and correcting inaccuracies and removing collections, late payments, tax liens, judgments, and bankruptcies from their credit reports. It can also remove medical bills, student loans, repossessions, and charge-offs. Its founding partner is Vance Dotson, who has been a consumer advocate since 2004 and has spoken at events like the National Consumer Advocates Conferences.

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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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