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Best Credit Repair Companies in Reading

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Coulter Credit logo

Coulter Credit

623 N. Pottstown Pike Suite B, Exton, PA 19341
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  • Credit Monitoring

Coulter Credit serves customers in Reading and the surrounding areas. It provides a variety of services such as consultation, restoration, and credit review and repair. It also helps entrepreneurs establish and use business credit and financing. It examines the client's most recent credit report to determine what is lowering their scores and disputes inaccurate or unverifiable information to improve their credit scores. Its team assists clients who are dealing with charge-offs, repossessions, and late payments.

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Credit Score Revival logo

Credit Score Revival

50 N. Linden Rd. #454, Hershey, PA 17033
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  • Credit Monitoring

Credit Score Revival serves customers in and around Reading. Its team has over 50 years of cumulative experience providing financial services. The business has in-house analysts and lawyers who help monitor responses from collection agencies, public record providers, and creditors. When necessary, the company’s legal team files suits against creditors who are in willful violation of the clients’ FCRA-protected rights. Co-founder Jonathan Minnick worked as a financial advisor for Merrill Lynch.

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Educate & Restore Credit logo

Educate & Restore Credit

1907 Cricklewood Cove, Fogelsville, PA 18051
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  • Credit Dispute

Educate & Restore Credit assists individuals in Reading in resolving their financial qualification issues. Its team works with customers to improve their FICO scores, which range from the low 400s to the high 700s, by disputing unverifiable, erroneous, and inaccurate information on their Experian, Equifax, and Transunion credit reports. They also negotiate with creditors to lower or remove additional debt charges to help make payments manageable for the debtors. The company has more than 25 years of experience.

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Fresh Focus Credit Solutions logo

Fresh Focus Credit Solutions

Reading, PA 19606
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  • Credit Monitoring

Fresh Focus Credit Solutions caters to families and individuals in Reading and nearby locations. It offers an array of credit repair solutions to improve debtors' credit scores. The business conducts in-depth analysis to identify questionable items that may affect clients' credit records. It conducts one-on-one consultations to build strategies on how customers can prevent late payments, bankruptcies, and charge-offs. It also works with various credit reporting agencies. The company has been in operation since 2016.

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​i2i Credit Repair Company logo

​i2i Credit Repair Company

1700 Market St, Ste 1005, Philadelphia, PA 19103
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  • Credit Dispute

​i2i Credit Repair Company serves individuals in Reading and nearby areas. It assigns a personal consultant who analyses a client's current credit score and educates them about credit and maintenance after the program. The company assists in creating custom dispute letters to remove negative items and errors from reports. It also offers services to grow business credit and helps seek funding after completion of the programs. It partners with attorneys and tax professionals looking to increase their clients' credit scores.

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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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