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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Mississippi has a lot of wonderful things to offer but if you are dealing with bad credit, chances are you won’t have interest in many of them. A lot of people think that either bad credit will clear up on its own, or that it cost an arm and a leg to have it repaired. Sadly, though some items may fall off after many years, it takes work to actually improve your credit score. Credit repair can be done on your own if you have the time and the energy to spend months on the phone. Or you can hire an affordable Mississippi credit repair service to advocate on your behalf.

Overview of the credit industry in Mississippi

Mississippi is an affordable state to live in. In fact, it's consistently ranked as one of the most affordable states within the entire country, as far as basic necessities and housing. Possibly because of the low cost of living in the state, Mississippi has some of the lowest credit card debt per person in the nation. On average, Mississippi residents have $4,496 in credit card debt per person, as opposed to the national average of $5,193 per person.

Despite the low cost of living in the state, Mississippi unfortunately has some of the lowest credit scores per person in the country. The average person has a credit score of 681, compared to the national average of 714. While this is still considered a decent credit score, there's a lot of room for improvement, especially if you’re on the lower end of the average. Credit repair can help you to improve your credit score by removing inaccurate entries from your credit report.

Laws that effect credit repair in Mississippi

The Mississippi Debt Management Services Act (MS ST 81-22-1) deals with credit repair companies that want to operate within the state of Mississippi. Under this law, these companies must:

  1. Obtain and service a surety bond with a minimum value of $50,000
  2. Become licensed as a credit repair service provider through the Mississippi Department of Banking and Consumer Finance

Along with state laws, all companies offering credit repair in Mississippi must also follow federal regulations. The main law governing these companies is the Credit Repair Organizations Act (CROA), a federal law that deals with contracts, payment methods, and services that are legally allowed to be provided to customers under the umbrella of credit repair.

What Can Credit Repair Fix?

Good credit is important for a variety of reasons. You need it in order to qualify for certain types of loans and even for housing. Not only do you need to avoid bad credit, you actually need a good score if you want affordable terms. If you have bad credit, you can use a credit repair service to address issues such as:

  • Fraudulent accounts
  • Incorrect personal information
  • Charge-offs
  • Old accounts
  • Unverifiable accounts
  • Late payment entries
  • And much more

Credit repair is a good way to get your finances back on track or to get your credit healthy ahead of a big purchase. Working with a MIssissippi credit repair company that also offers long-term advice for good financial management is the best way to maintain your scores following your successful repair.

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

In Mississippi, there is no requirement for credit repair to be done by lawyers or law firms. As long as a company is licensed to work as a credit repair company in Mississippi, you can work with anyone that you want to. Technically, this is a service you can actually do for yourself as well, although it's not recommended unless you’re already experienced in doing the process yourself.

Credit repair process in Mississippi

A credit repair agency will start by disputing items on your credit report that are inaccurate, old, or out of date. The credit bureaus will try to validate the listings that have been disputed, but if they are unable to validate them, they will be removed instead. Depending on how many invalid negative marks were removed, you may see your score go up by 100 points or more. Following the automatic removals, the real work comes next. Whatever is left on your credit report will need to be addressed on a case-by-case basis. For those that have late payments, goodwill letters can be sent out asking companies to remove their entry. In some cases, they will work with but if the problem is frequent, they may not be willing to remove it.

You can expect the credit repair process in Mississippi to involve around three simple steps. These are:

Step 1: Requesting your 3 credit reports

You may have requested a credit report before from one of the major credit bureaus within the US. However, for this process, you want to request all 3 credit reports from the major US credit bureaus. Each bureau maintains its own records, so reports may contain different information from one another. Every credit bureau is required to give you at least one free credit report every 12 months, which you can request via their online platform or by mail.

Step 2: Checking accuracy in credit reports

After these three credit reports are in-hand, you can comb through them to look for transactions that stand out as inaccurate. While some inaccurate entries on a credit report might be fraudulent, more often than not they’re just mistakes. This can happen when a transaction is They might be reported to the credit bureau under your name when they're not meant to be in your report. if you find any entries on your credit reports that seem suspicious or inaccurate to you, you need to move on to step three to dispute these entries with the credit Bureau.

Step 3: Disputing any inaccuracies found

Credit bureaus are the only ones that can remove inaccurate entries from your credit report. They will only do this if you dispute the transaction yourself. You must send a dispute letter to each of the credit bureaus that contain the false entry on their credit report. Dispute letters need to contain evidence of the inaccuracy, as well as information directing them to the specific entry.

Note: While this process may seem simple, it's not as easy as it appears. This is why it can be helpful to work with a credit repair company rather than trying to do it yourself. Credit repair companies have experience dealing with credit bureaus and providing the correct documentation to support your claim up front.

Common questions and answers:

How much can you improve your credit score in Mississippi?

You can improve your credit score by a lot in Mississippi through the credit repair process. If there are any inaccurate entries on your credit report, they could be causing your credit score to be much lower than it should be. In this case, credit report would be vastly useful for improving your credit score by removing anything that shouldn't be on your credit reports, allowing you to be judged on your own merits alone.

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

You can expect to pay between $89 to $199 per month for credit repair in Mississippi. Most companies will also charge an additional contract setup fee in the beginning of your contract, which will normally be lower than their monthly fee. although this is the average, you can find credit repair from prices ranging anywhere from $79 to $249 per month, depending on which company you decide to work with.

How long does the credit repair process take in Mississippi?

Credit repair can take a long time, both in Mississippi and other states. On average, it takes between 3 to 6 months to have an inaccurate entry removed from your credit report in Mississippi. This timeline starts with the initial dispute letter, then includes all follow up needed afterwards until the credit bureau finally removes the entry.

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

There are no cities in Mississippi where you cannot do credit repair. Whether you're in Jackson, Gulfport, or Southaven, you can access the same credit repair companies as those in smaller cities such as New Albany, Morton, or Sardis. The only requirement is that a credit repair company is properly licensed to operate within the state and is following all local regulations.

On the whole, a higher credit score will help you get lower interest rates and make you an attractive target for business. If you have a bad credit score, however, it is hard to do just about anything and when you are extended credit, the interest rates are astronomical. There are a few steps you can take to fix your credit score. Your first step should be reducing the number of credit cards or general lines of credit you have on hand. With too many credit cards comes an inability to monitor them which can make it easier to max them out or miss payments. A credit repair company in Mississippi can help you consolidate your credit card or all of your debt to get your credit score back on the path to health. There is no reason to keep sinking further into the lower numbers when help is available.

Get help with credit repair in Mississippi:

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