Best Credit Repair Companies in Scranton

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Lexington Law logo
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Free Credit Report Consultation

Lexington Law

Scranton, PA

Business Description

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.
4.8
Google
4.8 / 5 (297)

Price: Free Credit Report Consultation

Credit Formula LLC logo
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Credit Formula LLC

100 W Broad St Suite 118, Hazleton, PA 18201
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  • Credit Monitoring
  • Credit Audit

Business Description

Credit Formula LLC serves individuals in the Scranton community. It offers credit repair solutions to remove and fix inaccurate, outdated, and unverifiable accounts in credit reports. The company helps dispute credit issues such as repossessions, liens, foreclosures, charge-offs, and late payments. Its team educates clients on how to improve credit by establishing credit. Credit Formula has over 20 years of experience in the industry. It also helps Realtors and mortgage brokers improve the scores of their clients.

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 (18)

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
CurbsideGo Credit Repair logo
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CurbsideGo Credit Repair

480 Seven Bridge Rd, East Stroudsburg, PA 18302
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  • Credit Dispute

Business Description

CurbsideGo Credit Repair provides solutions to Scranton clients looking to improve their financial profiles. It analyzes credit reports from the three credit bureaus and executes strategies to correct discrepancies. It also files disputes to rectify or eliminate errors on the credit reports. Additionally, its experts address various report issues, such as inaccurate accounts, duplicate accounts, incorrect inquiries, and outdated information. The company brings over 20 years of industry experience. It was also featured in media outlets like RCN and Service Electric Cable TV.

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
Evolution Financial Consulting logo
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Evolution Financial Consulting

219 N Main Ave #197, Scranton, PA 18504
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  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

Business Description

Evolution Financial Consulting offers credit repair and building services in Scranton. Its team members audit reports and provide clients with an analysis report detailing which items are inaccurate, incomplete, or questionable. They explain the process of disputing entries such as repossessions, student loans, judgments, and collections to clients. The agency also provides educational resources to help people build good credit. Evelyn Castro, a score restoration consultant, decided to start her own business after becoming dissatisfied with the services of a well-known credit agency.

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
Facebook
5.0 / 5 (28)
Google
5.0 / 5 (1)
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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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