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Best Credit Repair Companies in Dallas

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Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

Dallas, TX
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  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Business Description

Credit Saint is a credit repair company helping Dallas area clients facing a financial crisis. Its credit experts help clients understand their credit scores and guide them in improving their credit standing. Credit Saint offers different packages with varying service levels, which include challenges to the three main credit bureaus, creditor interventions, Experian monitoring, inquiry targeting, and score analysis. The firm also provides a progress report to help clients track their progress.

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

CK Experts logo
FEATURED

CK Experts

Dallas, TX
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Business Description

CK Experts helps restore credit for first-time homebuyers in Dallas. To get started, it conducts an in-depth analysis of recent credit reports before devising a strategy that meets an individual's needs. The company removes various items in credit profiles, including charge-offs, bankruptcies, student loans, late payments, tax liens, and foreclosures. It is partnered with numerous lenders and agencies, such as Independent Financial, Fidelity Bank, and Liberty Bank, to guide clients through the approval, underwriting, and closing of home loans.

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
Facebook
4.7 / 5 (997)

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
Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Dallas, TX
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  • Consumer Credit Services
  • Credit Repair

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.
4.3
Facebook
4.3 / 5 (2869)
Yelp
1.5 / 5 (17)

Price: Free Credit Report Consultation

Canal Credit Repair Dallas logo
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Canal Credit Repair Dallas

1409 S. Lamar, Ste 239, Dallas, TX 75215
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  • Credit Monitoring

Business Description

Canal Credit Repair is a credit restoration company that offers its services in Dallas. Its team reviews its clients' credit reports to determine their unique financial situations and the number, amount, and recency of existing negative line items. In addition, the company provides credit monitoring services for its customers. Canal Credit Repair is powered by Xpert Credit Repair, which was founded in 2005 by Chris Ebert. Since then, it has helped thousands of individuals achieve higher credit scores.

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
Classe Credit Consulting logo
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Classe Credit Consulting

3626 N Hall Street Suite 610,, Dallas, TX 75219
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  • Credit Monitoring

Business Description

Classe Credit Consulting is a credit repair company that assists clients in Dallas who wish to improve their credit scores. The company provides its clients with a credit review complete with an analysis report of each item in the credit brief and a monthly progress summary. All of the information is accessible online 24/7 through a credit portal with embedded security. These reports guide clients in removing negative items so they can boost their FICO scores.

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
Credit Boosters logo
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Credit Boosters

1140 Empire Central Drive, Dallas, TX 75247
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  • Credit Dispute

Business Description

Serving Grand Prairie, Credit Boosters is a credit restoration firm with offices in El Paso, Dallas, and Las Cruces. Its team disputes errors and challenges inaccuracies that may involve judgments, late payments, charge-offs, and collections. The credit repair specialists also communicate with credit bureaus and collection agencies on clients' behalf and recommend legal action in case of suspected unlawful activity. Credit Boosters' team comprises credit consultants, FCRA specialists, and credit repair specialists who are certified by the Credit Consultants Association.

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 (10)

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
Credit Help USA logo
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Credit Help USA

12000 Ford Rd Ste A245, Dallas, TX 75234
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Business Description

Founded in 2007, Credit Help USA is a family-owned credit counseling agency that helps individuals regain control of their finances. Its professional consultants work to improve credit scores by quickly identifying errors and disputing negative entries on credit reports. For clients who have missed making payments or are looking for refinancing assistance, Credit Help USA can help reduce debt through government programs such as TARP and the FDIC. The agency also provides consultations on credit reporting and tax liens.

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

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
DPMC Consulting / DPMCUSA, LLC logo
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DPMC Consulting / DPMCUSA, LLC

Dallas, TX
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Business Description

DPMC Consulting / DPMCUSA LLC is a Credit Consulting Firm that specializes in both consumer and commercial business credit repair and restoration. They have 31 years of Service with an A+ BBB Rating. They perform an initial in-depth credit report analysis of all four credit bureau reports to identify credit and debt-related issues. Their debt verification process targets all negative trade-lines reported including; unverifiable inaccurate and obsolete items or accounts opened due to identity theft or credit fraud. They correct and update personal information reported including name, addresses, phone numbers, current and previous employment history, and verify your social security number. Additional services include; defaulted student loan rehabilitation and resolution, creditor negotiation and settlement, bankruptcy recovery and prevention, identity theft and credit fraud resolution, civil judgment and lien resolution, and time-share and mortgage deed-back services. Services are available nationwide and internationally for U.S. armed service members or U.S. 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
Facebook
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
First Stone Credit Counseling logo
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First Stone Credit Counseling

2701 W 15th St Ste 541, Plano, TX 75075
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Business Description

First Stone Credit Counseling is a not-for-profit credit counseling firm that helps restore good credit information for individuals in the Dallas area. Its experienced counselors evaluate credit reports and develop a customized plan to address problems. The firm contacts each creditor and credit reporting agency to have any unverified items, such as late payments and collections, removed. If necessary, First Stone Credit Counseling can forward a client's case to an attorney for further legal action.

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
Impeccable Credit Services logo
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Impeccable Credit Services

9595 Six Pines Drive, The Woodlands, TX 77380
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Business Description

Founded by Vanessa Perry, Impeccable Credit Services is a professional credit repair company that serves clients in Dallas, Houston, and nearby areas. It offers a variety of credit repair and restoration services focusing on late payments, bankruptcy, charge-offs for collection accounts, foreclosures, repossessions, and tax liens. The company employs a team of professional credit experts that helps customers understand several factors affecting their credit standing. The team also builds positive tradelines for each client and provides them with long-term goals in establishing their credit history.

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
Facebook
4.8 / 5 (60)
Yelp
4.5 / 5 (19)

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
Lenders Choice Credit Solutions logo
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Lenders Choice Credit Solutions

8330 Lyndon B Johnson Fwy #810, Dallas, TX 75243
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  • Credit Audit
  • Credit Dispute

Business Description

Lenders Choice Credit Solutions offers credit repair solutions in Dallas. It has helped over 10,000 individuals who could not find an apartment to rent or pursue a career due to excessive negative information on their credit reports. Leveraging on the federal law knowledge of its Texas licensed attorney owner, it pursues to make creditors and credit bureaus recognize clients' rights. It offers an app where individuals may see credit building resources, monitor their credit scores, and track their progress.

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 (145)
Facebook
5.0 / 5 (56)
Yelp
5.0 / 5 (1)

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
My Credit Group logo
Visit WebsiteWebsite

My Credit Group

Dallas, TX
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  • Credit Dispute
  • Credit Monitoring

Business Description

My Credit Group began serving individuals in Dallas in 2004. The company caters to people seeking financial independence by repairing their credit scores. Its services include removing inaccurate information on the customer's credit reports and handling creditors, debt collectors, and credit bureau disputes. These negative items include late payments, collection validations, inquiries, and bankruptcies. Its professionals work closely with individuals to create a strategy tailored to address their credit situation. My Credit Group also includes debt settlement, pay for deletions and help to establish new credit, free of charge.

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 (5)
Google
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
NCCB Credit logo
Visit WebsiteWebsite

NCCB Credit

13140 Coit Rd Ste 225, Dallas, TX 75240
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Business Description

NCCB Credit is a credit counseling agency in Dallas that provides the assistance needed to resolve a client's financial and credit future. Its counselors can help restore credit by disputing information on a client's credit report and sending custom letters to creditors and the credit bureau. The agency offers a debt management plan that pays down a client's outstanding debt through monthly payments. Additionally, homeowners can obtain housing counseling from NCCB Credit that provides assistance with mortgage payments.

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
Phoenix Group Credit Services logo
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Phoenix Group Credit Services

4230 Lyndon B. Johnson Fwy #219, Dallas, TX 75244
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  • Credit Dispute

Business Description

Phoenix Group Credit Services is a company with offices in Dallas and Austin. It specializes in credit repair, counseling, and consulting assistance, which cater to clients who wish to improve their credit scores for loan applications or financial independence. Its team raises disputes for unverifiable items such as judgments and tax liens. The company also offers debt validation services, which involve demanding a complete accounting of the listing or removal of collection and charged-off accounts.

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.
4.9
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)
Revamp Credit Solutions logo
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Revamp Credit Solutions

9304 Forest Ln Ste N267B, Dallas, TX 75243
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Business Description

Revamp Credit Solutions is a professional credit repair company in Dallas that has many years of experience in solving financial problems for its clients. Its expert consultants can audit a client's credit report to identify any errors, dispute the information in question, and have negative items removed. Revamp Credit Solutions helps clients connect with creditors, lenders, and banks to reestablish credit. The company also offers mortgage preparation services that help individuals on the path to homeownership.

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 (2)
Rocket Financial Services logo
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Rocket Financial Services

5301 Alpha Rd. Suite 80, Dallas, TX 75240
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  • Credit Repair
  • Credit Audit

Business Description

Since 2019, Rocket Financial Services has been providing credit solutions to clients across the Dallas metro. It helps clients repair their credit scores through credit monitoring, information deletion, and credit audit services. The company provides various plans for individuals and couples. It also assists them in opening pre-approved credit lines to add positive entries in credit reports. The company's CEO, Dustin Ball, calls himself "The Credit Geek." He uses social media platforms to educate clients on debt consolidation, student loan rehabilitation, and mortgage approval.

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 (156)
Google
4.9 / 5 (145)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
RX Credit Repair logo
Visit WebsiteWebsite

RX Credit Repair

3626 North Hall St, Suite 610, Dallas, TX 75219
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  • Debt Consolidation
  • Credit Monitoring

Business Description

RX Credit Repair caters to clients in the Dallas metro and the surrounding areas. It helps individuals achieve their homeownership dreams, get approved for auto loans, maximize their credit scores, and grow their wealth. Its process involves analyzing the customers' credit reports, conducting an initial audit, obtaining proper identification documents, preparing the first round of dispute letters, and challenging negative items. These include bankruptcy, chargeoffs, collections, foreclosures, and late payments. Repossessions and student loans are also included.

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 (7)
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
SMOY Credit Repair logo
Visit WebsiteWebsite

SMOY Credit Repair

1003 Dove Creek Dr, Duncanville, TX 75116
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  • Credit Audit
  • Credit Dispute

Business Description

SMOY Credit Repair, LLC, has been helping clients Dallas resuscitate their bad credit since 1995. Agents at the company conduct consultations for identifying gaps and opportunities in clients' credit reports. They deliver reports that cover a project plan with cost analysis, timelines, and milestones. Owner Shelia Outlaw-Young is "The Credit Doctor." who helps customers improve their credit scores. She is the author of "Is Your Credit On Life Support," which guides readers to achieve their dreams through proper credit.

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 (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
T and T Credit Counseling & Consulting logo
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T and T Credit Counseling & Consulting

5000 Riverside Dr., Irving, TX 75039
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  • Credit Dispute

Business Description

T and T Credit Counseling & Consulting helps the residents of Dallas understand credit reports and improve their credit scores. The company's credit repair specialists guide individuals in determining report errors, dispute negative items, and send custom letters to credit bureaus, such as Equifax, Transunion, and Experian. They also provide assistance in the credit building and monitoring processes. Founder Tera Bradford-Wilson established the business after overcoming her debt problems as a single mother. T and T Credit Counseling & Consulting has served over 18,000 families since 2015.

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.
4.9
Facebook
4.9 / 5 (27)
Yelp
5.0 / 5 (1)

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
Tap Credit Repair logo
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Tap Credit Repair

17304 Preston Rd Ste 800, Dallas, TX 75252
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Business Description

Tap Credit Repair is a full-service credit repair agency in Dallas. With an emphasis on clearing up credit inaccuracies and providing proactive educational strategies, Tap Credit Repair works with clients to analyze credit misinformation, including late payment, judgment, and collection errors, in order to devise an attainable plan that keeps clients' financial goals in mind. Expert advisers counsel clients on techniques to increase credit and spending power. Additionally, credit monitoring is available from several third party affiliates.

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
The Credit Cure logo
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The Credit Cure

14850 Montfort Dr., Dallas, TX 75254
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  • Credit Monitoring
  • Credit Audit

Business Description

The Credit Cure is a debt relief agency that provides its services in the Dallas metro. It helps its clients improve their credit scores by removing incorrect account information, charge-offs, repossessions, public records, and late or missed payments in credit reports. Its clients also receive counseling on how to be financially responsible and maintain their new credit score. The company's founders have extensive experience in the business and personal accounting, mortgage, and debt settlement industries.

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 (27)
Facebook
5.0 / 5 (8)

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
The Manning Group, Inc. logo
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The Manning Group, Inc.

7309 Campbell Rd Ste 200, Dallas, TX 75248
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Business Description

The Manning Group Inc. is a credit repair agency in Dallas that has provided clients with credit and debt management services since 1983. Its credit experts analyze a client's credit report to identify any negative items and other major credit issues. Using proven methods, the agency helps improve credit scores by having all inaccurate credit information deleted or corrected. The Manning Group can also assist clients in finding low interest rates and resolving late payment problems.

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.
4.9

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
Tradebloc logo
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Tradebloc

701 Commerce St., Dallas, TX 75202
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  • Credit Monitoring

Business Description

Tradebloc is a credit repair firm that works with individuals and businesses from the Dallas metro. The company holds experience in removing negative items in its customers' credit reports and in determining suspicious changes through its monitoring services. The company offers The Block & Repair method that anticipates and addresses negative reporting before it happens. Tradebloc is founded in 2018 by Tim Clark, who has been working in the credit and debt management industry for over 25 years.

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 (9)
USA VS DEBT, Inc. logo
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USA VS DEBT, Inc.

5956 Sherry Ln Ste 1000, Dallas, TX 75225
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Business Description

USA vs DEBT is a credit repair corporation that has offered credit repair services to businesses and consumers in the Dallas area for over a decade. The company offers free consultation and review to help determine inaccuracies affecting clients' credit scores. USA vs DEBT has developed a debt settlement program that helps clients settle their debt issues more quickly by setting up a monthly plan that fits the client's budget.

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 (16)
Yelp
5.0 / 5 (1)

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
Xpert Credit Repair logo
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Xpert Credit Repair

13601 Preston Rd Ste E920C, Dallas, TX 75240
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Business Description

Opened in 2011, Xpert Credit Repair is a full-service credit repair company in Dallas. With a pay-for-deletion pricing structure, clients do not pay until they receive benefits from the company's credit repair services. When negative items, such as late payments or judgement errors, affect credit, Xpert Credit Repair handles the documentation and filings with creditors, credit bureaus, and debt collectors. Additionally, if legal or debt settlement issues arise, the company will recommend an appropriate consumer credit attorney.

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 (1)

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
Back to Providers

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.

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.

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.

Read all FAQs