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Best Credit Repair Companies in Racine

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Credit Firm logo

Credit Firm

1020 Milwaukee Ave. Suite 122, Deerfield, IL 60015
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  • Credit Monitoring
  • Credit Audit

Since 2019, G&T Debt Solutions has been helping Lakeland clients obtain financial confidence. The company offers a variety of credit restoration programs, including inquiry removal and score improvement packages. Its process includes removing negative accounts like charge-offs, evictions, student loan debts, and child support payments. It also provides monthly subscription packages for late payment removals and credit sweeps. Company owner Xavier Greene anchors his services on empathy, given his past personal experience with poor credit.

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M & EM Credit Services logo

M & EM Credit Services

P.O. Box 250508, Milwaukee, WI 53225
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  • Debt Consolidation
  • Credit Monitoring

M & EM Credit Services caters to customers in the Racine metro and the surrounding areas. It offers credit repair services, helping individuals improve their credit health and achieve their financial goals. It reviews the clients' credit reports from the major bureaus, identifies incorrect information, and requests investigations by submitting a dispute. Some negative items it eliminates are charge-offs, collection accounts, hard inquiries, medical bills, and student loans. Bankruptcies, late payments, and inaccurate addresses are also included.

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Moore Affordable Credit logo

Moore Affordable Credit

​ 313 N Plankinton Ave Suite 207, Milwaukee, WI 53203
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  • Credit Monitoring
  • Credit Audit

Moore Affordable Credit serves the locals in and around the Racine metro. It provides credit repair solutions and uses the law to challenge negative items on the client's score. Other services it offers include giving access to the case status and any new information 24/7, writing customized dispute letters, and delivering personalized options that fit the client's needs. Tiffany Moore spearheads the Milwaukee-based company and draws from her own experience with derogatory accounts on her credit report when she helps her clients.

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Res-Q Credit Repair logo

Res-Q Credit Repair

Milwaukee, WI 53218
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  • Credit Dispute

Res-Q Credit Repair helps clients in Racine and its neighboring areas. It works with individuals struggling with bad credit. The firm offers personalized and confidential assistance by challenging inaccurate and unverifiable accounts in customers' credit profiles, helping them get better purchasing power, job opportunities, and lower interests on credit card balances and bank loans. After its clients' scores have improved, the firm continues to monitor and update them so that they can maintain their good credit standing.

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Selek Credit Advisors logo

Selek Credit Advisors

11220 West Burleigh Street, Suite 155, Wauwatosa, WI 53222
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  • Credit Audit

Selek Credit Advisors serves clients in Racine and nearby areas. It offers credit repair for clients who are having trouble with credit and loan applications due to high interest rates. Its team personalizes dispute options, with case analysts and advisors available to help clients through the repair process. These include the creation of custom dispute letters on their behalf. The firm has a portal that provides status updates and can be accessed 24/7.

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The Credit Repair Pros logo

The Credit Repair Pros

2910 W Galena St, Milwaukee, WI 53208
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  • Credit Monitoring
  • Credit Audit

The Credit Repair Pros caters to residents of Racine and other communities in and around Milwaukee. To identify red flags, the service professionals at the agency read various reports' contents, from personal information, credit history, and public records to inquiries. They communicate with bureaus and other appropriate companies for the removal of questionable entries. The agency also offers educational resources discussing diverse topics, such as the importance of good credit and calculating one's score to help individuals achieve reliability in debt payments.

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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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