Best Credit Repair Companies in Vancouver

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ASAP Credit Repair logo

ASAP Credit Repair

3439 Southeast Hawthorne Boulevard, Portland, OR 97214
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  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

ASAP Credit Repair is a credit management and consulting company that provides credit repair services to clients in the Vancouver metro. Its credit repair options include credit analysis, credit dispute management, and credit restoration. It helps clients manage damaging and unnecessary credit information, disputing the data on credit reports to improve credit scores. ASAP Credit Repair also provides credit coaching and education, guiding clients on topics like card fraud, employment history, and debt management.

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Consumer Credit Auditors, LLC logo

Consumer Credit Auditors, LLC

Tigard, OR 97223
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  • Credit Dispute

Consumer Credit Auditors, LLC, is a credit restoration company serving clients in Vancouver and nearby areas for over 20 years. It offers credit repair services, helping customers obtain better insurance and favorable interest rates, improve their employability, and qualify for housing. Its credit consultants act on the clients' behalf and work with the credit bureaus and creditors to challenge the negative report items that affect their scores. Consumer Credit Auditors also provides an online progress portal, allowing them to monitor their case status.

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Debt Relief NW, LLC logo

Debt Relief NW, LLC

202 Southeast 181st Avenue, Portland, OR 97233
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  • Credit Dispute

Since 2003, Debt Relief has been helping customers in Vancouver with debt issues. Whether a client has trouble paying for credit cards or has been receiving phone calls and letters from creditors, the company offers different debt relief options. These include debt consolidation programs, debt settlements that remove negative items from the credit report, and filing for bankruptcy if the two previous options do not work out. The company has a team of credit counselors and lawyers to assist clients with their needs.

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Incite Strategies LLC logo

Incite Strategies LLC

1220 Main Street, Vancouver, WA 98660
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  • Credit Monitoring

Incite Strategies LLC is a credit repair and counseling company located in Vancouver. It deals with credit bureaus, collection agencies, and creditors to fix issues such as collections, repossessions, defaulted student loans, and credit card debt to increase the customer’s credit score. The company also caters to those who want to build their credit through a customized credit management plan. Ivory Becker, the owner, has 12 years of experience and a strong focus on financial education and empowerment.

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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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