Expertise.com

Best Credit Repair Companies in Pittsburgh

2024

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Providers

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Website
Pittsburgh, PA
  • CREDITOR MEDIATION
  • Credit Restoration
  • CREDITOR NEGOTIATION
  • IDENTITY THEFT RESOLUTION

Why choose this provider?

DPMC Consulting / DPMCUSA, LLC, is a Pittsburgh-based firm serving individuals and businesses. It provides credit repair solutions to help clients improve their credit histories. The company initially performs a full report analysis to identify debt-related issues. Its debt verification process targets all negative trade lines, including unverifiable inaccurate and obsolete items or accounts opened due to identity theft or fraud. The team updates personal information, including full names, addresses, phone numbers, and employment history. Services are available for US armed service members or citizens abroad.

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
4.8 / 5 (21)
Facebook
5.0 / 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

Price: No Monthly Fees

Rate:
Free Phone Consultation
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FREE CONSULTATION

Website
Pittsburgh, PA 15213
  • Money Back Guarantee
  • Credit Audit
  • Credit Restoration
  • Credit building
  • Credit Repair

Why choose this provider?

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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
4.8 / 5 (5317)
Yelp
2.5 / 5 (23)

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
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Lexington Law

Pittsburgh, PA
  • Credit Repair
  • Consumer Credit Services

Why choose this provider?

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

Price: Free Credit Report Consultation

Website
1725 Washington Rd, Pittsburgh, PA 15241

Why choose this provider?

Awesome Life Group, LLC is a credit repair company founded by Brandon Weaver and Cornita Pinchinat that has a goal of guiding people and businesses to securing excellent credit scores. The company's approach to credit rehabilitation involves a three-phase attack that involves consultations, goal setting, contacting credit bureaus, fixing payment history errors, and boosting credit lines and positive credits. Brandon spent three years repairing his own credit scores before establishing the company with Cornita, who has experience with process-driven management and 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.
4.7
Google
4.7 / 5 (122)

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

Website
4480 Steubenville Pike, Pittsburgh, PA 15205

Why choose this provider?

Royal Hands Credit Consultants is a credit repair company near Pittsburgh that has been offering services since 2002. It focuses on helping clients fix their credit scores by creating personalized strategies. Royal Hands Credit Consultants liaises with creditors on clients' behalf, disputing invalid and unverifiable charges. The company also provides a debt consolidation service. Royal Hands Credit Consultants helps customers by giving them recommendations for budgeting and spending, as well as ongoing credit tips and education.

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 (11)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1500 Ellsworth Ave Ste 205R, Carnegie, PA 15106

Why choose this provider?

Cure My Score is a company that offers its clients in the greater Pittsburgh area several options for repairing and protecting their credit. The company provides its clients with credit and other financial education that teaches how to maintain a high credit score and how to rebuild or restore a score that has fallen due to negative credit report items. Its debt validation services help clients determine if any items on their report are erroneous and offers clients the choice to let the company's team dispute these items with any of the major credit bureaus. Cure My Score's other services include sending cease and desist communications to debt collectors.

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
Facebook
4.8 / 5 (34)
Yelp
5.0 / 5 (4)

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

Website
3205 Sardis Rd, Murrysville, PA 15668

Why choose this provider?

Credit Investigation Service has provided customized credit repair solutions in the greater Pittsburgh area for over 15 years. The company identifies inaccurate, obsolete, or unverifiable items on credit reports and works with the credit bureaus to remove them under FCRA guidelines. Its credit professionals send dispute letters to creditors and the credit reporting agencies. They offer personalized financial advice to enable customers to take control of their credit profiles. Credit Investigation Service also handles collections, charge offs, and late payments. Clients can learn how the credit reporting industry works, including the calculation and importance of credit scores, through the firm's credit education program.

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

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

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.

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