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Best Credit Repair Companies in Montgomery

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445 Dexter Avenue, Montgomery, AL 36104
Montgomery, AL 36104
  • Debt Consolidation

Brighter Credit Solutions, LLC, is a credit repair company that helps the residents of Montgomery and its surrounding areas restore and improve their credit profiles. Its team of specialists investigates its clients' credit histories and works to eliminate inaccurate information on accounts such as repossessions, child support, medical bills, student loans, foreclosures, and judgment claims. They provide one-on-one consultations with each client and also render credit education and resources to help them maintain good credit and optimize their financial goals.

445 Dexter Avenue, Montgomery, AL 36104
Montgomery, AL 36104

Website(334) 380-4541

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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.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

10 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

600 South Court Street, Montgomery, AL 36104
Montgomery, AL 36104
  • Credit Audit

Credit Elect, formerly known as Clean Slate Credit, is a credit repair company that serves clients in Montgomery and the surrounding areas. The firm focuses on assisting first-time homebuyers with credit issues in order to purchase homes for their families. Its credit professionals review clients' credit reports and work with them to enhance their credit scores. Will Frazier, the owner and founder of Credit Elect, started his company with the aim to assist those who were going through the same credit problems he encountered.

600 South Court Street, Montgomery, AL 36104
Montgomery, AL 36104

Website(334) 430-5296

Show Number

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.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

59 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

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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