Expertise.com

Best Credit Repair Companies in Bellevue

2024

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Providers

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Website
Bellevue, WA
  • Money Back Guarantee
  • Credit building
  • Credit Audit
  • Credit Repair
  • Credit Restoration

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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 (10602)
Yelp
2.2 / 5 (30)

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

Bellevue, WA

Why choose this provider?

Need help contacting a Credit Repair Company in Bellevue? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

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 booking service | Call 848.Book.Pro!

Website
13620 61st Avenue Southeast, Everett, WA 98208
  • Credit Monitoring

Why choose this provider?

750ispossible, LLC, delivers credit counseling solutions and personalized dispute options in Bellevue. Aside from consultations, the company provides credit analysis and credit recommendations. Its case analysts and advisors assist clients through the process of ordering reports and scores from the three credit bureaus. Additionally, the company has a portal with secure messaging for clients to monitor the case status and real-time progress. It also helps individuals with student loan rehabilitation services. Lastly, 750ispossible holds FCRA and FDCPA certifications.

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 (17)
Facebook
5.0 / 5 (7)

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
733 7th Avenue, Kirkland, WA 98033
  • Debt Consolidation
  • Credit Monitoring

Why choose this provider?

LSI Credit Solutions is a credit repair and consulting firm that works with clients in the Bellevue area. Its services include strategic planning, credit investigation, and credit restoration. Furthermore, it helps its clients protect their new credit scores to achieve their financial goals, like home or car ownership. The company also deals with debt settlement, helping its customers negotiate with lenders to decrease fees. LSI Credit Solutions has been operating for more than 14 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
Facebook
5.0 / 5 (31)
Google
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

Website
P.O. Box 638, Bellevue, WA 98009
  • Credit Audit

Why choose this provider?

K-Law Kidworth Group & Associates, LLC, is a credit repair company serving clients in Bellevue. It offers bankruptcy assistance, credit report analysis and recommendations, debt evaluation, and personalized consultation. The credit consultants at this firm conduct these services by using applicable consumer laws, such as the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. The company's CEO Joseph Kidworth has been working in the financial industry since the late 1990s. He collaborates with banks and mortgage companies in bringing credit education to 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.
5.0
Google
5.0 / 5 (6)

Website
701 5th Avenue, Seattle, WA 98104
  • Debt Consolidation
  • Credit Dispute

Why choose this provider?

CreditCEO provides credit repair services to clients in Bellevue. Credit repair specialist and mentor Jesse Rodriguez has been using up-to-date credit repair techniques for the past 10 years. He works with clients on a plan of action to deal with negative items on their credit reports. In addition, the company also provides clients updates on their credit progress through an online client tracking portal. CreditCEO has been featured on Fox News as its expert credit advisor.

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
Google
4.0 / 5 (49)
Facebook
4.0 / 5 (38)
Yelp
4.0 / 5 (10)

Website
23632 Highway 99, Edmonds, WA 98026
  • Credit Audit
  • Credit Dispute

Why choose this provider?

The Credit Guru helps Bellevue residents rebuild and repair credit scores. Its team provides personalized credit repair programs that involve ordering credit reports from the three major credit bureaus and disputing inaccurate or negative items such as foreclosures, late payments, and charge-offs monthly. The Credit Guru is owned by Jon Rosenthal, who founded the company in 1993. He used to research debt collection and credit repair for a living which contributed to his extensive knowledge on FDCPA and FCRA compliance.

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 (5)
Facebook
5.0 / 5 (1)

Website
5440 Leary Avenue Northwest, Seattle, WA 98107
  • Credit Dispute

Why choose this provider?

Serving the residents of Bellevue, ASAP Credit Repair offers services that help improve their credit scores in as little as 45 days. Through a thorough review of clients' credit reports, the company checks for any erroneous accounts and information. Afterward, it files a dispute with the corresponding credit bureaus, removing any unverifiable account. ASAP Credit Repair has helped over 100,000 clients to date. It also provides credit education services, helping clients maintain a good credit rating after adjustments have been made.

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 (1619)
Facebook
4.6 / 5 (396)

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
3918 Northwest Phinney Bay Drive, Bremerton, WA 98312
  • Credit Dispute

Why choose this provider?

PWN Credit Repair 800 caters to the residents of Bellevue and the surrounding areas. The company helps clients improve their credit scores by as much as 100 points in 90 days. Its specialist achieves this through a thorough review of clients' credit reports and identification of inaccurate or outdated information. Any incorrect information will be brought upon the corresponding credit bureaus, legally removing unverifiable information in the records. The company also educates clients on ways to maintain good 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 (31)
Google
5.0 / 5 (8)

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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