1
AI-Driven Credit Repair
The Credit Pros logo

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.
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2
In Business Since 1989
Sky Blue Credit logo

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.
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3
Almost 1.5 Million Credit Issues Removed
The Credit People logo

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.
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4
24/7 Phone Support
Pyramid Credit Repair logo

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.
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5
BBB Accredited
Credit Saint logo

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.
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6
CreditRepair.com logo

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.
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7
Most Clients Served
Lexington Law logo

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
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There may be many beautiful homes on the market in Maryland, but if you have bad credit, they are all out of reach. Perhaps homeownership is not in the cards, and you simply want to get the car of your dreams. If you have bad credit, chances are you won’t be approved for a loan or you will be offered high-interest rates that make your dream car unaffordable. Whatever your goals maybe you will need a healthy credit score to get there. There are some things you can do on your own to fix your credit, but a professional credit repair service in Maryland can do so much more.

Overview of the credit industry in Maryland

Maryland is consistently listed as one of the top 10 most expensive states to live in the US. Because of this, it comes as no surprise that Maryland has much higher credit card debt than the average US state. At $5,858 per person, the state average credit card debt is nearly $700 more than the national average.

Despite higher costs of living, credit scores in Maryland are on par with national averages. At 716, the state average is just 2 points above the US average. This is a good average credit score, but it’s not enough to get you access to the best rates from all loan providers.

What Can Credit Repair in Maryland Fix?

Credit scores are very important, without a moderate to good score buying a home or renting an apartment is nearly impossible. Some people may even have a hard time getting a promotion if their credit is less than stellar. Credit repair services are able to fix many common problems on credit reports such as:

  • Accounts in collections
  • Expired debts
  • Late payments
  • Discharged bankruptcies
  • Inaccurate entries
  • Bad DTI ratios
  • And so much more

Laws that effect credit repair in Maryland

Maryland has its own state laws that put some boundaries on credit repair companies that wish to offer service in the state. The main law in question is the Maryland Credit Services Businesses Act (MD Code 14-1901). This law requires that all companies offering credit repair in Maryland should:

  1. Have a surety bond that has a minimum value of $50,000
  2. Register as a Credit Services Business (CSB) in Maryland
  3. Disclose specific information in customer contracts
  4. Provide a refund in full if requested by the customer within 10 days of signing the contract
  5. Allow for cancellation of a contract within 3 business days of signing the contract

All companies offering credit repair in the US have to follow the regulations laid out in the federal Credit Repair Organizations Act (CROA). This is a federal law that deals with how credit repair can be communicated to potential customers, the manner in which customers can be charged, and the way contracts should be drafted for every customer.

Do you need a lawyer to do credit repair in Maryland?

While some lawyers in Maryland do offer credit repair, many other companies that don’t have lawyers also provide the same service. It’s not necessary to work with a lawyer, since this is a service that can be done by anyone. You can even do credit repair on your own, but you probably shouldn’t unless you have a lot of experience with it already. Working with a reliable credit repair company in Maryland gives you the best chance of successfully removing inaccurate credit report entries, whether they are lawyers or not.

Credit repair process in Maryland

In the state of Maryland, there are 3 steps to credit repair:

Step 1: Make a request for your credit reports

Before you can do anything, you need to access your credit reports. There are 3 different credit reports: 1 from each major credit bureau in the US. You need to make a request to get a report from each of these credit bureaus, either online or via the mail.

Step 2: Take a close look for inaccuracies

Read through each credit report and look for anything that’s inaccurate. Take your time in this step so you can identify anything that’s out of place which could be causing your credit score to be lower than it should be. If you identify any entries that don’t belong, whether they’re simply inaccurate or fraudulent, you will need to draft and send a dispute letter.

Step 3: Dispute incorrect credit entries with the bureaus  

Sending a dispute letter to a credit bureau is a necessity as the first step to having an inaccurate credit report entry removed. This should include evidence of the inaccuracy, as well as any information the credit bureau may need for their own investigation. A separate letter must be sent to each credit bureau with incorrect entries.

Note: Although there are only 3 steps to the process, credit repair is best left to companies or individuals with experience going through it. If you try to do it yourself, you can run into unexpected obstacles that will make it difficult for you to accomplish your goal and have inaccurate entries removed. Working with a company doesn’t guarantee success, but it may make it more likely.

Common questions and answers:

How much can you improve your credit score in Maryland?

The amount your credit score can be improved depends on what’s in your credit report. Credit reports contain all the reported information about how much credit you have available, open credit accounts, payment history on your debts, and other similar information. When inaccurate information is present on your credit report, it will be used as part of calculating your credit score. Having these inaccurate entries removed can lead to significant improvement if these entries were causing your score to be lower.

How much does it cost to fix your credit in Maryland?

The average cost of getting credit repair in Maryland is $89 - $199 per month, but you can get the service for the cost of anywhere between $69 - $249 depending on which company you work with. Credit repair is always charged as a monthly service because of the consistent follow up that’s needed to finalize the removal of inaccurate credit report entries.

How long does the credit repair process take in Maryland?

Unfortunately, credit repair is not a quick process. In Maryland, the average time it takes for credit repair is 3 – 6 months. Credit bureaus generally operate with a requirement that they respond to disputes from people within 30 days of receiving a dispute letter. However, this initial response is not enough to get the problem solved in most cases. It will take a while of going back and forth with the credit bureau before the inaccurate entries are removed from your credit report. Who you pick to help you repair your credit will have a dramatic effect on how successful your efforts will be.

Are there any cities in Maryland where you cannot do credit repair?

All Maryland cities are eligible for credit repair, regardless of their size or location within the state. There is no restriction on who can get this service, as long as the company that’s providing the service is following all state and federal laws. Baltimore may be the main city where credit repair is advertised, followed by Columbia and Germantown, but you can also get service in Pasadena, Rossville, or Emmitsburg just as easily.

Get help with credit repair in Maryland:

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