Best Credit Repair Companies in Portland

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Credit Repair Companies FAQs

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Consumer Credit Auditors, LLC logo
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Consumer Credit Auditors, LLC

9045 Southwest Barbur Boulevard, Portland, OR 97219
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  • Debt Consolidation
  • Credit Monitoring

Business Description

With an office in Portland, Consumer Credit Auditors, LLC, is a company that has been assisting customers in improving their credit scores for over 20 years. Its team of credit repair specialists analyzes its customers' credit reports, submits disputes to credit bureaus and creditors on customers' behalf, and gives instructions on how customers to build and maintain positive credit scores. One of its customers praised the company for cleaning her credit after her identity was stolen.

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
4.0 / 5 (9)
Facebook
4.0 / 5 (2)

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
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Consumer Credit Auditors, LLC

Credit Team USA logo
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Credit Team USA

237 Northeast Chkalov Drive, Vancouver, WA 98684
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  • Credit Monitoring
  • Credit Dispute

Business Description

Credit Team USA is a credit repair company serving families and individuals in Portland. Its credit restoration specialists have over 50 years of combined experience and deal with major credit bureaus, such as Equifax, Experian, and TransUnion. Their mission is to alleviate the stress that comes with compromised credit by removing all hindrances in the clients' records in an efficient and speedy manner. Credit Team USA has been in business since 1997 and maintains offices in Washington, California, Idaho, and Arizona.

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.
4.0
Google
4.0 / 5 (35)
Facebook
5.0 / 5 (2)

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
Visit Website

Credit Team USA

Debt Relief logo
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Debt Relief

202 Southeast 181st Avenue, Portland, OR 97233
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  • Debt Consolidation

Business Description

Serving the Portland area, Debt Relief NW, Inc., delivers individualized solutions to its clients with debt issues. It provides a debt relief elimination summary, which guides them through the available options based on their financial situation. Its debt relief programs include debt management, debt settlement, and bankruptcy. The company also employs counselors and personal solution specialists to assist its customers in improving their credit ratings. In addition, this credit repair company has been operating since 2003.

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 (5)
Yelp
4.0 / 5 (5)

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
Visit Website

Debt Relief

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Frequently Asked Questions

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.

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.

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.

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