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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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Your credit score and your credit history play a big role in your life. What is listed on your credit report tells lenders if you can be trusted with lines of credit for home loans and credit cards. It also lets employers know if you are able to manage your money effectively, which can factor into their hiring decisions. Even when you apply for insurance, your credit score will determine the rate of interest and the coverage amounts you qualify for among other things. If your credit score is holding you back, it may be time to consider bringing in a professional Nebraska credit repair agency to help.

Overview of the credit industry in Nebraska

Nebraska is a very inexpensive state to live in. It has a lower cost of living than most other US states, including lower real estate prices than most of the nation. Related to this, Nebraska also has low average credit card debt per person. Sitting at $4,536 per person, Nebraska credit card debt numbers are more than $600 lower than the national average of $5,193 per person.

In Nebraska, the average credit score is 731 points, 17 points above the national average of 714. This is a strong average, but many residents of the state may not reach this level because of mistakes that are present on their credit reports. If your credit report has inaccurate entries on it, your credit score might be lower than it should be. Credit repair is this the easiest way to get these inaccurate entries removed from your credit report.

Laws that affect credit repair in Nebraska

Nebraska’s Credit Service Organization Act (Neb Rev Stat 45-801) addresses how credit repair companies are allowed to operate within the state. This law places a couple main restrictions on these companies, including:

  1. Requiring an active surety bond with a value of no less than $100,000
  2. Registering as a credit service organization with the Nebraska Secretary of State
  3. Limits of 180 days per contract term
  4. Disclosures that must be made in customer contracts
  5. Refunding customers fully if requested within 10 days of signing the contract
  6. Cancelling contracts outright within 3 business days of signing the contract

In the US, there’s a federal law that provides guidance for all organizations offering credit repair as a service to customers. This law is the Credit Repair Organizations Act (CROA), and it addresses issues like setting up contracts for credit repair, payment structures that are allowed, and how companies are allowed to communicate with customers about the service the offer.

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

While you can choose to work with a lawyer to do credit repair in Nebraska, it's not necessary. Lawyers regularly offer this service to their clients, depending on what kind of law firm they are, but many Nebraska companies also offer credit repair service that's reliable and effective. Experienced companies can perform the same services that a lawyer would provide you and may offer other complementary services alongside it.

Credit repair process in Nebraska

You can expect the credit repair process to involve these 3 steps in Nebraska:

Step 1: Make requests for credit reports  

In order to start the credit repair process, you have to have information about what’s being considered for your credit score. Credit reports are the foundation for your credit score, since they hold the entries that are used to calculate your credit score. These credit reports are created by 3 credit bureaus that operate in the US. All 3 bureaus maintain their own reports, and they are all entitled to send you a free credit report every 12 months upon request.

Step 2: Examine each report for mistakes  

 Once you've requested the credit reports from the credit bureaus, you need to comb through them and look for any entries that may be incorrect. Inaccurate entries are not always fraudulent. Some are the result of mistakes during the data entry process. Your credit reports may contain information for someone else, or incorrect information about something that you did. Any type of mistake on your credit report should be removed so that it doesn't interfere with the calculation of your credit score.

Step 3: File disputes with credit bureaus  

If, and only if, incorrect entries are found on your credit report, you need to file a dispute letter with each credit Bureau that lists that entry on their credit report. Since these credit reports are maintained independently, not all bureaus will have the same information. Some may include the inaccurate transaction while others do not. Dispute letters need to contain evidence that proves the inaccuracy of the entry in order to trigger an investigation into it.

Note: Although the process is straightforward, it's not quite as simple as it sounds. Legally speaking, you can do credit repair on your own. However, it's more complicated than it sounds from the outside, especially when you need to follow up with any of the credit bureaus.

Why You Should Hire A Credit Repair Service To Fix Your Credit

Fixing your credit takes both time and effort in order to be effective. The first step is to dispute inaccuracies in your credit report. Once those are removed, the next order of business is to have old accounts removed that should have fallen off of your credit report. In many cases, this can bring up a credit score by as much as 100 points. For late payment entries and overdue entries, negotiating with the creditors to have the marks removed once the account is current is also an option.

Credit repair companies will do the above-mentioned things. In addition to these, however, they will often work with your creditors to help lower and pay off the debt listed on your credit report. After completing the dispute process and ascertaining that amounts are actually correct and owned by you, they will suggest moving your higher interest rates cards over to your lower ones. This can save you money as well as lower the amount of total debt. They also will work with high overdue balances placed in collections to try to get them settled for a much smaller amount. This will help your overall score improve as the collection marks begin to decrease and fall off of your credit report. While you may be able to do many of these on your own, a professional credit repair company will have the time and the skills to make the process much more efficient.

Understanding Bankruptcy Counseling In Nebraska

There are many ways to deal with high levels of debt. Consolidating your debts is one way to get ahead of them while settling accounts in collections is another option. For people who are unable to come to an agreement with their creditors, or if your debts are simply too high to be able to ever catch up with, bankruptcy is also an option. It is important to think carefully when considering bankruptcy because it prevents you from building credit or even getting approved for a loan for between seven and ten years. There are also other things to consider before you file for bankruptcy.

In fact, bankruptcy is such a serious step that according to the law, a consumer must enroll and participate in a government-approved credit counseling program at least six months before they actually file. These sessions will help you learn how bankruptcy relief will affect your credit and how to manage your money going forward and also give you alternatives to filing for bankruptcy. You must choose a credit repair service that is on the list of government-approved agencies which can be found on the website of the U.S. Trustee Program - https://www.justice.gov/ust. Making sure the company you choose is on the approved list is important otherwise you may be forced to repeat the process when it comes time to file.

Common questions and answers:

How much can you improve your credit score in Nebraska?

Credit scores can be greatly improved in Nebraska through credit repair. This only works if you have inaccurate entries on your current reports. Because credit scores rely heavily on your payment history and other information from your credit report, any mistakes on that report can be highly detrimental to your score. By removing those inaccurate entries, you can quickly make a positive impact on your credit score.

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

Credit repair is paid for on a monthly basis. Since you can't predict how long it will take to finish credit repair, companies charge a monthly fee from the beginning to the end of the process. The average monthly fee charged in Nebraska for credit repair is between $89 to $179. You can find companies offering this service in a wide range of price brackets, anywhere from $59 to $249, depending on what they offer with the service. Most companies may also charge a one-time upfront setup charge.

How long does the credit repair process take in Nebraska?

The average time it takes to complete the credit repair process in the state of Nebraska is between three to six months. Keep in mind that this is only an average. It's difficult to predict the exact amount of time it will take for any customer to go through the process. Credit bureaus ma create delays throughout the process as they request more information to complete their internal investigation of the inaccurate entries.

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

Credit repair is a service that's available in everywhere in Nebraska. From larger metro areas like Omaha, Lincoln, or Bellevue to smaller cities around the state such as West Point, Dakota city, or Sutherland, credit repair companies that are registered to work within the state can provide service to anyone, regardless of the location.

Get help with credit repair in Nebraska:

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When you call any toll-free number provided, you will be connected to one of the credit repair companies that we work with, which include The Credit Pros, Sky Blue Credit, The Credit People, Pyramid Credit Repair, Credit Saint, CreditRepair.com and Lexington Law. We receive a commission for purchases made through the links on this site and from calls made to the toll-free numbers listed on the website. Credit repair results cannot be guaranteed. Credit-Repair-Companies.org does not provide any credit repair services. Our sponsors do not influence our editorial content in any way. All content on the website is provided for information purposes only and shall not be construed as financial advice.

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