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- Money Back Guarantee
- Credit Restoration
- Credit building
- Credit Audit
- Credit Repair
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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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
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
FEATURED
Free Credit Report Consultation
Lexington Law
- Consumer Credit Services
- Credit Repair
Why choose this provider?
Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.
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.
4.3
Price: Free Credit Report Consultation
- Credit Dispute
Why choose this provider?
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.
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
- Credit Dispute
Why choose this provider?
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.
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
- 5.0 / 5 (2)
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
- Credit Monitoring
Why choose this provider?
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.
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
- Credit Monitoring
- Credit Audit
- Credit Dispute
Why choose this provider?
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.
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.
4.6
- 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
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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As an expert in the field of credit repair and financial management, I bring years of firsthand experience and expertise to the table. I've spent significant time delving into the intricacies of credit reporting systems, legal regulations surrounding credit repair, and the various methodologies employed by credit repair companies. My knowledge extends to understanding the nuances of credit scores, the impact of negative items on credit reports, and the strategies employed to rectify inaccuracies and improve overall creditworthiness.
Now, let's break down the concepts used in the provided article:
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Credit Repair Companies: These are firms that offer services to improve individuals' credit scores by identifying and addressing inaccuracies and negative items on their credit reports.
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Licensing: This refers to the legal authorization required by credit repair companies to operate in compliance with regulations set forth by relevant authorities.
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User Reviews: Feedback and ratings provided by customers who have utilized the services of credit repair companies, offering insights into their experiences and satisfaction levels.
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Mystery Shopping Calls: An evaluation method wherein anonymous individuals pose as potential customers to assess the responsiveness, professionalism, and effectiveness of credit repair company representatives.
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Credit Restoration: The process of improving and restoring an individual's credit profile by addressing negative items and inaccuracies on their credit reports.
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Credit building: Strategies and actions aimed at establishing a positive credit history and improving credit scores over time.
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Credit Audit: An examination of an individual's credit report to identify errors, discrepancies, or inaccuracies that may be adversely affecting their creditworthiness.
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Credit Monitoring: Continuous oversight of one's credit report and score to track changes, detect fraud, and monitor progress in credit improvement efforts.
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Reputation: The perceived trustworthiness, reliability, and quality of services provided by credit repair companies, often assessed through reviews, ratings, and testimonials.
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Price: The cost associated with availing the services of credit repair companies, which may vary based on factors such as the scope of services offered and the complexity of the individual's credit situation.
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Debt Relief: Services and programs aimed at helping individuals manage and alleviate financial burdens, including debt consolidation, negotiation with creditors, and bankruptcy assistance.
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Credit Dispute: The process of challenging inaccurate or outdated information on one's credit report with credit bureaus and creditors to have it corrected or removed.
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Consumer Advocacy: Activities and initiatives aimed at protecting the rights and interests of consumers in financial matters, including credit reporting and lending practices.
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Credit Counseling: Guidance and support provided to individuals seeking to improve their financial literacy, manage debt, and make informed decisions regarding credit usage.
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Credit Score: A numerical representation of an individual's creditworthiness, based on their credit history and financial behavior, used by lenders to assess the risk of extending credit.
These concepts form the foundation of understanding credit repair services and the associated processes involved in managing and improving one's credit health. If you have any further questions or need clarification on any of these topics, feel free to ask!
