Best Credit Repair Companies 2022
Buckhead Credit Repair
Buckhead Credit Repair has been serving individuals throughout the Atlanta metro and its surrounding areas since 2009. The business provides a wide range of services, such as credit counsel, debt settlement and elimination, finance, information security and assurance, and credit compliance. It educates its clients to avoid spam, scams, and disclosing personal information over the phone and online. Its team thoroughly explains the customers' credit status and helps them restore it. Buckhead Credit Repair also removes accounts through document verification with the assistance of attorneys.
The Eimreht Firm
Established by Thermie Jean, The Eimreht Firm is a professional credit repair company that serves clients in Atlanta and nearby areas. It offers a variety of credit repair and restoration services focusing on foreclosures, repossessions, medical expenses, late payments, bankruptcy as well as tax liens. The company employs a team of professional credit experts helping their customers understand several factors affecting their credit standing and also develops positive tradelines for each client, presenting them with long-term goals in establishing their credit history.
Credit Repair Lawyers Of America
Credit Repair Lawyers of America provides credit repair services in Atlanta. Since 2008, the firm has served clients with credit disputes and credit report review and repair. It evaluates clients' credit reports line by line for errors and discrepancies. When necessary, the firm files lawsuits to erase inaccuracies, due to items including identity theft, discrepancies among credit agencies, or delinquencies reported over a 7-year period. Additionally, the firm assists clients with bad debt collectors and student loan issues.
Avalon Credit Repair
Avalon Credit Repair offers credit counseling and debt elimination services to clients across Atlanta. The agency offers several levels of service, depending on the extent of the client's credit problem. It helps with disputing incorrect information and sending legal demands via a credit attorney, if needed. Avalon Credit Repair also helps in situations where a client's credit history has become compromised due to identify theft by notifying credit agencies to put blocks on client reports.
Roundleaf Inc.
Roundleaf Inc. is a credit repair company in Atlanta that helps clients rebuild their credit and reduce debt. Its consultants analyze credit reports, identify negative items, and create a plan to manage a client's finances. The company can eliminate harmful debt, improve a client's saving habits, and focus on building their income effectively and efficiently. Roundleaf Inc. also helps clients achieve better credit scores, reduce their interest rates, and resolve other financial issues as quickly as possible.
Credit Repair Services Atlanta
Credit Repair Services Atlanta has been offering assistance to the residents of the city for almost a decade. Its team of credit navigators helps individuals with low credit scores, including those who are planning to secure a mortgage or home loan. They create personalized plans for their clients and educate them on how to manage their credit in the future. They also handle the removal of inaccuracies in their credit reports, such as student loans and late payments.
BKH Credit Group
BKH Credit Group is an Atlanta-based financial services company that serves clients throughout the metro. It provides credit repair solutions, including credit analysis, disputing, and monitoring. The company works to remove unverifiable and inaccurate credit data to boost credit scores. It also helps business owners establish commercial credit through various services, like live coaching and digital footprint management. Brian Howard, the company's CEO, has over 15 years of experience in finance. He is a former supply chain analyst for the US Army.
Credit Saint
Headquartered in Atlanta, Credit Saint is a financial services company specializing in credit monitoring and dispute monitoring for clients having issues with their credit history and standing. Credit Saint offers a comprehensive list of credit monitoring and assistance, which includes credit polish, remodeling, and clean slate services. The programs focus on credit score analysis, inquiry tracking, and creditor interventions. Each Credit Saint package is designed to fit various needs, allowing clients to choose a suitable plan to help improve their credit history.
Atlanta Credit Experts
Atlanta Credit Experts offers personal and business credit repair services in and around the metro. Its credit repair specialists help clients obtain healthier credit profiles and improve their credit scores. They provide assistance in understanding credit reports, handle inaccurate or negative report items, and work to eliminate these items. Moreover, they offer credit monitoring tools and assess associated risks. Atlanta Credit Experts also conducts consultations for funding requirements and corporate credit. Additionally, it aids clients in achieving financial success.
Raise Up Credit Repair of Atlanta
Raise Up Credit Repair of Atlanta helps clients throughout the Atlanta metro area to raise their credit scores using a variety of methods, and it promises results in 60 days or less. Its experts work to remove collections, late payments, charge-offs, bankruptcies, and foreclosures. They remove judgements against clients and repossessions too. This company also helps clients to raise their scores by providing guidance to help them add positive events to their records.
Bright Beginnings Financial Services
Bright Beginnings Credit Repair offers assistance to clients seeking to repair their credit score. The business works to remove unverifiable and inaccurate items from credit reports. It also ensures the credit bureaus have accurate and up-to-date information about clients. The agency helps to address late payments, charge-offs, foreclosures, judgments, repossessions, closed accounts, and bankruptcies. Staff also educate clients on ways to maintain their future score and on better credit practices. Bright Beginnings Credit Repair offers ongoing credit monitoring as well.
Galleria Credit Repair
Galleria Credit Repair assists individuals with bad credit in the Atlanta metro. With over 10 years of experience, the business can assist its clients in fixing a range of credit report problems such as liens, collections, foreclosures, repossessions, and student loan consolidations. The company offers factual verification and identity theft services that help individuals secure their accounts from the actions of unauthorized third parties. Galleria Credit Repair allows its customers to sign up for its credit counseling and debt elimination services through its website.
National Credit Educational Service
National Credit Educational Services is a non-profit organization that serves clients across Atlanta. It provides credit repair services, including credit analysis and counseling. The organization works to remove unverified and inaccurate credit data by petitioning credit reporting agencies. It also handles credit education and guides clients on bankruptcy, mortgage financing, and personal budgeting. George Cole, the organization's president, has spent over 15 years teaching people about credit. He has been featured on the NBC local channel 11Alive.
DPMC Consulting / DPMCUSA, LLC
DPMC Consulting / DPMCUSA LLC is a Credit Consulting Firm that specializes in both consumer and commercial business credit repair and restoration. They have 31 years of Service with an A+ BBB Rating. They perform an initial in-depth credit report analysis of all four credit bureau reports to identify credit and debt-related issues. Their debt verification process targets all negative trade-lines reported including; unverifiable inaccurate and obsolete items or accounts opened due to identity theft or credit fraud. They correct and update personal information reported including name, addresses, phone numbers, current and previous employment history, and verify your social security number. Additional services include; defaulted student loan rehabilitation and resolution, creditor negotiation and settlement, bankruptcy recovery and prevention, identity theft and credit fraud resolution, civil judgment and lien resolution, and time-share and mortgage deed-back services. Services are available nationwide and internationally for U.S. armed service members or U.S. citizens abroad.
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Advanced Credit Help
Serving the Atlanta area, Advanced Credit Help has provided credit repair services for over 15 years. It works with clients and credit bureaus to remove inaccurate and unfair negative credit items from credit reports. Additionally, the business ensures the information contained in the credit reports is in full compliance with the law. Advanced Credit Help also provides credit and financial literacy counseling to help clients improve their understanding of credit, and how to not end up in the same situation again.
The Credit Repair Pros
The Credit Repair Pros is a team of specialists that aims to help Atlanta clients buy houses, obtain loans, or start businesses through credit repair. Its credit repair process includes consultations, repair preparations, credit dispute submissions, result reviews, and dispute resubmissions. The Credit Repair Pros helps clients improve their scores and better their financial futures by eliminating incorrect information from their credit reports. It was praised by a client for removing negative records from their credit report and raising the credit score from 537 to 580 after 60 days.
Century Credit Repair
Century Credit Repair is a credit repair company in Atlanta that assists clients with credit evaluations and advises them of their legal rights when dealing with credit bureaus. The company has extensive experience working with credit bureaus to challenge negative report items that reduce the credit score. Century Credit Repair guides clients through every step of the credit recovery process and educates them on strategies to reduce infractions and maintain stable credit for the future.
Exchange Credit Repair
Exchange Credit Repair assists clients across Atlanta, providing credit repair services to those who want to apply for a range of loans with bad credit scores. Along with working with clients on removing mistaken entries on credit reports, the business also provides credit counseling services to help clients improve their financial literacy surrounding credit. Exchange Credit Repair offers bankruptcy restoration service, business credit establishment, credit sweep program, and seasoned tradelines to improve credit.
Credit Logic
Established in 2019, Credit Logic is a non-profit 501(c)(3) organization serving clients in Atlanta. The company strives to preserve and sustain the community through financial literacy and the teaching of credit education to achieve its goal of eliminating the worldwide credit education gap. Some of the credit repair services it offers include New Coast Direct, Hutton Chase, Attractive Gems, Rent Reporters, Credit Strong, and Ox Publishing. Credit Logic has partnerships with SmartCredit, MoneyTime, and Credit Versio.
Expert Answers To Common Questions:
- How long does a repo stay on your credit report?
- Do credit repair companies work?
- How long does it take to repair credit?
- Can I repair my own credit?
- Can credit repair companies remove charge offs?
- Can credit repair companies remove bankruptcies?
- Can a credit repair company remove late payments?
- Is credit repair legal?
- How do you repair credit after identity theft?
- Q: How long does a repo stay on your credit report?
- A: 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.
- Q: Do credit repair companies work?
- A:
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.
- Q: How long does it take to repair credit?
- A:
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
- Q: Can I repair my own credit?
- A:
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.
- Q: Can credit repair companies remove charge offs?
- A:
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.
- Q: Can credit repair companies remove bankruptcies?
- A:
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.
- 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.
- 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: 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.
