Best Credit Repair Companies in Alexandria

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Credit Pro Center logo

Credit Pro Center

659 Southlawn Lane, Rockville, MD 20850
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  • Credit Dispute

Credit Pro Center offers credit repair services to clients in Alexandria and the surrounding areas. It helps clients dealing with credit problems, such as inaccuracy and false reporting. Its specialists aim to identify the errors and state disparagement in clients' credit reports. They conduct their services by providing consultation, credit audit, and creating plans of action. Its additional services include student loans, mortgage preparation, and fix damaged credit. Moreover, Credit Pro Center is certified by the Credit Consultant Association.

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US One Credit Education Services logo

US One Credit Education Services

6521 Arlington Boulevard, Falls Church, VA 22042
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  • Credit Monitoring

US One Credit Education Services fixes the credit record of consumers in Alexandria. It performs an analysis of credit reports to spot any inaccuracies that need to be corrected or deleted. The company works on behalf of the client in dealing with credit bureaus and creditors to dispute negative items found on the credit report. It also prepares documentation necessary in dealing with different credit agencies. In addition, the firm also provides credit education to guide clients on all aspects of credit scoring.

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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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