Are you looking for professional help to improve your credit score? We have reviewed 42 credit repair companies and have selected 7 that could help you challenge credit inaccuracies, dispute negative items on your credit report and raise your credit score.
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1
AI-Driven Credit Repair
The Credit Pros
- The Credit Pros has been in business for more than 10 years.
- Provides one-on-one consultations with a Certified FICO® Professional, unlimited dispute letters, debt validation letters to creditors, goodwill letters to creditors and cease and desist letters to collection agencies.
- 3 credit repair packages to choose from, with the lowest package priced at just $69/month plus a $119 sign-up fee.
- All packages include 24/7 access to a client portal, as well as ID Cover Darkweb monitoring, TransUnion alerts, real-time account sync, bill reminder and a budgeting system.
- A streamlined sign-up process only takes 90 seconds.
2
In Business Since 1989
Sky Blue Credit
- Sky Blue has been in business since 1989, which says a lot about the company.
- Condition-free 90-day refund policy
- One tier service takes the guesswork out of choosing a package that is right for you.
- Priced at just $79 per month, and $40/month for additional members, Sky Blue is an extremely affordable option for credit repair.
- Every single feature is included in the $79/month package, including Pro Analysis, 35-day dispute cycle, customized dispute and re-dispute letters, score assistance, debt validation, goodwill letters, cease and desist letters, credit rebuilding, and access to phone support.
- Ability to pause the membership for a month if needed
- Includes a couple’s discount, with the total monthly cost for a couple at just $119/month.
3
Almost 1.5 Million Credit Issues Removed
The Credit People
- The Credit People has been in business for over 15 years and has had nearly 1.5 million credit issues removed for their customers.
- Provides your credit reports and scores when you begin working with them.
- Includes access to all 3 credit reports and scores
- Provides a 24/7 online account access for easy credit management
- Could help you with credit report issues such as late payments, collections, charge-offs, foreclosure, repossessions, bankruptcies, tax liens, judgements and more.
- Provides a free credit evaluation so that you can see if The Credit People are a good fit for you.
- Includes live customer service through phone, chat or email
- Offers a satisfaction guarantee where you can cancel at any time and not be charged for that month, plus get a refund for the prior month’s payment.
- Pricing is either $79/month or $419 for 6 months, with all of the features and services included.
4
24/7 Phone Support
Pyramid Credit Repair
- Pyramid Credit Repair has 10+ years of experience in fixing credit.
- Provides 24/7 phone support and dedicated account managers, making it easier to work with them and ask any questions
- Includes a free credit repair evaluation
- Individual start at a competitive $79/month, though the couple’s package is $299/month, making it significantly more expensive than what some of the other credit repair companies offer for couples.
- Includes an online dashboard, monthly progress reports, creditor interventions, score analysis, custom dispute process, text and email alerts and more.
- Offers a 90-day money back guarantee.
5
BBB Accredited
Credit Saint
- Credit Saint has been in business for 15+ years and is a BBB accredited credit repair company
- Includes a 90-day money back guarantee
- Includes a free credit consultation
- 3 credit repair packages to choose from: Credit Polish, Credit Remodel and Credit Premium, with prices ranging from $79.99/month to $119.99/month, plus an initial work fee.
- All packages include a score tracker and a score analysis
- All packages include an online dashboard with full analysis and progress reports.
6
CreditRepair.com
- Has helped with over 7.5 million removals on behalf of their members since 2012.
- Has sent more than 23 million disputes and challenges on behalf of their members.
- Provides a free consultation where you learn your credit score, negative item summary and recommended credit solutions
- Pricing starts at just $49.95, making CreditRepair.com one of the most affordable credit repair options.
- Works with all 3 credit bureaus.
- Provides ID Theft Insurance, FICO® score update, bureau challenges and disputes, creditor interventions, a personal online dashboard, score tracker and analysis, email and text alerts and more.
7
Most Clients Served
Lexington Law
- Includes a free credit report consultation.
- Has been helping people fix their credit since 2004.
- Lexington Law has had an astonishing 77 million items removed from their customers’ credit reports.
- While not all credit repair companies are lawyers, Lexington Law is a law firm.
- Provides 3 levels of credit repair: Concord Standard, Concord Premier and Premier Plus.
- According to their website, 77% of their clients who have had their credit scores improved saw an average increase of 40 points.
- Provides a military and spouse discount.
- Includes Fraud Alert and Identity Protection
When you have a low credit score or even no credit it can be very hard to rent an apartment, buy a car, or even land a good job. Aside from basics you also need good credit in order to qualify for a credit card or any other type of loan. There are a number of causes for bad credit, some preventable and others inevitable. Regardless of the cause, with professional Kansas credit repair companies on your side, you can be on your way back to financial health in no time.
Overview of the credit industry in Kansas
Kansas is one of the cheapest US states to live in, in terms of cost of living. Real estate is especially cheap, but even basic necessities are cheaper than the national average. It comes as no surprise then that the average credit card debt in Kansas is $4,944, around $200 lower than the national average credit card debt levels.
Credit scores in Kansas are also a healthy 721 on average, above the national average of 714. While these are good credit scores, not everyone has this high of a score. If your credit score is not improving even after having a strong payment history, or if your score is going down despite you not having made any credit mistakes, you might be eligible for credit repair as a way to help you improve your credit score.
Laws that effect credit repair in Kansas
The Kansas Credit Services Organization Act (KSA 50-1116) is a piece of state legislation that impacts how credit repair companies can work in Kansas. There are a few key features of this law, including these requirements:
- Credit repair companies must have a surety bond of no less than $25,000
- All companies providing credit repair must register as a credit service organization with the Kansas Office of The Bank Commissioner
- Specific disclosures must be made in the contract, as stated in the law
- Customers must be allowed to be refunded in full if the request is made within 10 days of signing the contract
In the US, there’s also a federal law that governs all companies in the credit repair industry within the country. The Credit Repair Organizations Act (CROA) dictates how companies can operate, in terms how contracts should be given, what they’re allowed to charge for, how payments can be made, and more.
Do you need a lawyer to do credit repair in Kansas?
No, there’s no need to hire a lawyer for credit repair in Kansas. While it’s common for lawyers to offer this service, it’s not a requirement that you work with a law firm, and you can choose to work with any company that’s registered to offer this service in Kansas. There are many reputable credit repair companies working in Kansas that can assist you through the full process.
Credit repair process in Kansas
In Kansas, the credit repair process involves these 3 main steps:
Step 1: Requesting 3 credit reports
While it’s common to refer to your credit report as one single thing, there are actually 3 separate reports that go into your credit score calculations. Credit reports are compiled by the 3 major credit bureaus in the US, with each one being slightly different to the others. You need to request credit reports from all the bureaus, which can be done once every 12 months for free online.
Step 2: Analyzing credit reports for mistakes
After you’ve received all your credit reports, it’s time to check them over for issues. This needs to be done thoroughly so you don’t miss anything important. Any inaccurate entries on your report could be affecting your credit score, so analyze each report to check if things are in order or not. Pay close attention to any negative entries and credit accounts that are currently opened.
Step 3: Sending in dispute letters
Dispute letters are only sent if you find inaccurate entries on any of your credit reports. These entries can impact your credit score, so you need to send in a dispute letter to the credit bureau that maintains the report where you found the inaccuracies. This letter will initiate an investigation into the legitimacy of the entry, which can lead to it being removed if it’s found to be illegitimate.
Note: Although the process sounds simple, it’s more complex than you think once you get into it. There’s a lot of specific things that need to be done at each step, plus a lot of follow up with each credit bureau to finally get some resolution. If you make mistakes at any of these 3 steps, you’ll be setting yourself back by a lot and potentially delaying having your credit report fixed by even longer.
What Can Credit Repair Fix?
In order to qualify for credit cards, personal loans, or even rent an apartment you need moderate to good credit. For those that have bad credit, direct denials are most common. When approvals are given, the rates and terms tend to be higher than what is offered to people with good credit. Credit repair can fix a variety of problems such as:
- Delinquent accounts
- Judgments
- Hard inquiries
- Old accounts that should have dropped off
- Discharged bankruptcies
- Inaccurate entries
- And so much more
Pairing your credit repair service with financial counseling is the ideal way to make sure your finances stay on track. Not only will you learn how to manage your expenses, but these sessions will also teach you essential skills that will help you save money and organically increase your credit score over time.
Credit Repair Costs In Kansas & How To Avoid Credit Repair Scams
Credit repair services, credit consolidation, and credit counseling will vary. Cost depends on the state you live in, how comprehensive the services provided are, and if your credit repair is performed by a licensed attorney. In Kansas, the average cost of credit repair is $120 to but can range as high as $160 for some higher-end services. If your credit repair is performed by an attorney, the charges may be per item removed as opposed to a monthly or one-time credit repair fee. Responsible credit repair companies will also seek to teach their clients about money management to prevent future problems with poor credit scores.
In Kansas, all legitimate credit repair companies or credit repair specialists must have an active bond and a license in order to offer services to consumers. There is also no quick way to turn your credit score around. It takes time to dispute derogatory marks and also to negotiate with collections agents to settle a debt or remove a negative mark. Any company that claims they can repair your credit in under a month should be avoided at all costs. Also, companies or credit repair agents that ask you to do something illegal are not only scamming you, but you may also find yourself in a worse situation than when you started. There is no way to delete legitimate debts on your credit report, and anyone claiming otherwise is up to no good. Always look for reputable companies that have a track record for getting real results before handing over your private information or your cash.
Common questions and answers:
How much can you improve your credit score in Kansas?
You can improve your credit score a lot by simply having inaccurate entries removed from your credit report. Inaccuracies happen often, usually when something is marked on your credit report accidentally. Even though these negative entries could be there by mistake, they will still impact your credit score. Credit repair helps you remove false credit entries, allowing your credit score to be recalculated to only reflect your actual payment history and credit status.
How much does it cost to fix your credit in Kansas?
The main cost of credit repair in Kansas is a monthly fee charged by the company you work with. This is around $120 on average, paid throughout the process while the company follows up on your disputes and continues to update you about the progress. There’s a wide range of prices you can pay, depending on who you work with and other services they’re offering with credit repair, so the cost can actually be anywhere from $99 - $199 per month, plus potentially a one-time setup fee.
How long does the credit repair process take in Kansas?
Even though credit entries are put on your report quickly, it can still take a long time to remove inaccurate entries. The average time this process takes in Kansas is 3 – 6 months, depending on how many credit bureaus are involved and what kind of inaccurate entries are present. Credit bureaus can cause significant delays in the process by not responding in a timely manner or by requesting more information or evidence.
Are there any cities in Kansas where you cannot do credit repair?
All residents of Kansas are able to hire a credit repair company, no matter where they live. You could be in a large city like Wichita, Kansas City, or Overland Park, or you could be in a smaller city like St. George, Mound City, or Dearing and you’ll have the same access to quality credit repair. As long as a company is following all state and federal regulations, they can safely operate in Kansas.
Get help with credit repair in Kansas:
- Abilene
- Andover
- Arkansas City
- Atchison
- Augusta
- Baldwin City
- Barton County
- Butler County
- Chanute
- Clearwater
- Coffeyville
- Concordia
- Cowley County
- Crawford County
- Derby
- Dodge City
- Douglas County
- Edwardsville
- Emporia
- Fort Scott
- Franklin County
- Garden City
- Garden Plain
- Great Bend
- Harvey County
- Hays
- Hiawatha
- Hoisington
- Holton
- Hutchinson
- Jefferson County
- Johnson County
- Kansas City
- Larned
- Lawrence
- Leawood
- Lenexa
- Liberal
- Lyons
- Manhattan
- Marysville
- Mcpherson
- Mcpherson County
- Meriden
- Mission
- Newton
- Olathe
- Osage City
- Osage County
- Ottawa
- Overbrook
- Overland Park
- Oxford
- Parsons
- Pittsburg
- Pratt
- Reno County
- Riley County
- Rose Hill
- Salina
- Saline County
- Sedgwick County
- Shawnee
- Shawnee County
- Smith Center
- Stockton
- Topeka
- Wellington
- Wichita
- Winfield
- Wyandotte County