Expertise.com

2024

Last updated:

Best Credit Repair Companies in Racine

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Racine Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

59Reviewed

37Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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.

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

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

Why choose this provider?

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.

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

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

Why choose this provider?

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.

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 (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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.

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 (5)

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
Milwaukee, WI 53218
  • Credit Dispute

Why choose this provider?

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.

FAQs

  • 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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