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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Buying a dream home or even leasing a new car requires moderate to good credit. If you have a bad credit score not only will your dreams be out of reach, even taking care of your basic needs can become challenging? Interest rates and insurance premiums are higher and, in most cases, you will be stuck paying cash for your purchases regardless of the size. Thankfully there is no reason to be stuck with bad credit for another day with professional credit repair. Consumers in South Dakota have the option of fixing their credit on their own, but with the help of a reliable credit repair service, good credit is just around the corner.

Overview of the credit industry in South Dakota

South Dakota has a far lower cost of living than the national average in the US. By all measures, it's cheaper to live in South Dakota than most other U.S. states. This likely plays some part in the lower credit card debt levels that are present in South Dakota. The average person in South Dakota has a credit card debt of $4,585. Compare this with the national average of $5,193 per person.

Along with the affordability of the state, South Dakota also has very high average credit score numbers. The average credit score is 733 points, nearly 20 points above the national average of 714. While this is a very healthy credit score to have, it doesn't represent everybody within the state. If you're struggling with a low credit score, you may want to look into credit repair to identify any potential errors on your credit reports and have them removed.

Laws that affect credit repair in South Dakota

There are no specific state laws in South Dakota addressing credit repair. Instead, the state relies on an existing federal law, the Credit Repair Organizations Act (CROA). This law gives guidance about what credit repair service means, how companies are allowed to communicate about the service, and the disclosures that need to be made about credit repair in every customer contract, among other things. It’s a broad law that helps customers avoid scams and malicious actors in the credit repair industry.

Do you need a lawyer to do credit repair in South Dakota?

You are not required to work with a lawyer to do credit repair in South Dakota. There are many lawyers who offer the service and will do a great job with it, but there are also many legitimate credit repair companies that can do the same service. You are not required to work with a lawyer or a law firm at all, as long as the company offering the service is following all local, state, and federal regulations.

What Can Professional Credit Repair In South Dakota Fix?

By hiring a credit repair service in South Dakota to help you fix your credit, you are making an investment into your future. With good credit, you can buy a home, move across the country, or even secure your dream job. It is important to have a realistic idea of what professional credit repair services can do before you get started. A South Dakota credit repair company will be able to have many derogatory entries stricken from your credit report. They can also help you get into medical debt, or a credit card debt consolidation plan. Many services also offer debt counseling which will help you learn critical skills needed to maintain a budget and avoid damaging your credit in the future. While there is no way to erase the legitimate debt, professional credit repair can get rid of inaccuracies and old accounts. It can also help remove negative marks such as late payments and overdue entries. Professional credit repair in South Dakota can help you with the following credit issues:

  • Judgment
  • Student Loans
  • Charge Offs
  • Hard Inquiries
  • Collections Accounts
  • Negative Entries
  • Repossessions
  • Bankruptcy
  • And other issues

There are many other ways a credit repair company can go about fixing your credit. They can help you consolidate your credit card debt or medical debt to lower your bills and increase your score. They are also able to negotiate with debt collectors to reduce your payoff amount and even remove derogatory marks from your credit report. Depending on your circumstances, bankruptcy may even be the best option to help you get ahead of your debts and back on the path to financial health.

Credit Counseling In South Dakota

Along with repairing your credit and removing derogatory marks, learning how to manage your finances is also important. Most credit repair companies in South Dakota offer credit counseling as part of their credit repair package. You can also avail of this service on its own and if you are considering filing for bankruptcy, credit counseling is mandatory. Professional credit counseling helps consumers to understand how credit works, what decisions will result in certain outcomes, and how negative scores can affect what they are trying to accomplish. It also teaches consumers critical tips on creating a manageable budget and sticking to it. For people who have a problem with spending or for those who simply never took the time to learn how to balance their budget, credit counseling is a great way to learn how to use credit wisely. Most people who complete a credit counseling course are able to also maintain a good credit score post repair.

Credit repair process in South Dakota

All South Dakota residents getting credit repair can expect to go through a process similar to this:

Step 1: Requesting copies of your credit reports

At the beginning of the process, you need to get a hold of your credit reports. These are records of all credit-related transactions made by you. They’re maintained by 3 separate credit bureaus operating in the US. You can request a free credit report at least once every 12 months from each of the individual credit bureaus. Make a request for your 3 different credit reports so that you can go through them to identify any potential errors.

Step 2: Going through individual credit entries  

After your credit reports are in hand, you need to take some time to comb through each of the individual entries and look for inaccurate or incorrect information. Errors on credit reports are more common than you think. Depending on the type of error, it can have a huge impact on your credit score calculation. This is why you need to identify any information that could be incorrect, so it can be fixed or removed completely from your credit report.

Step 3: Disputing all inaccuracies  

If you do identify any incorrect entries on your credit report, the next step is to dispute these inaccurate entries with the credit report bureaus. In your dispute letters, you need to identify the individual transaction that is incorrect as well as providing evidence to its falsehood. After this, the credit bureau is required to investigate the entry and report their findings back to you. The process can go back and forth a few times until the credit entry is fixed.

Note: Though you might expect a 3-step process to be fairly simple, each step is a bit more in depth than you might think from the outside looking in. It's beneficial to work with an experienced credit repair company so that you don't make any mistakes that might delay or cancel the process.

Common questions and answers:

How much can you improve your credit score in South Dakota?

It's possible to improve your credit score by a lot in South Dakota if your credit report currently has inaccurate information on it. The credit repair process does not work on legitimate transactions recorded on your credit report, but it's vital for removing inaccurate information that could be dragging down your credit score unfairly.

How much does it cost to fix your credit in South Dakota?

In general, credit repair is charged as a monthly service fee. The average company will charge between $89 to $199 per month for credit repair in South Dakota, but you can find a wide range of companies offering a similar service for anywhere from $59 to $249 per month. An additional upfront contract setup fee will be included by most companies when you begin a contract for credit repair.

How long does the credit repair process take in South Dakota?

Because of the nature of this process, you can't expect credit repair to be done quickly. The average time it takes to complete the credit repair process in South Dakota is 3 to 6 months. This time frame is because the investigation and evidence gathering process can take a long time, especially since the credit bureaus are in communication with so many different people at once and are handling many different investigations simultaneously. Delays are inevitable, unfortunately.

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

Every city in South Dakota is eligible for credit repair service, regardless of its size, location, or any other factors. Larger cities like Sioux Falls, Rapid City, or Aberdeen have access to all of the same companies as smaller cities like Sturgis, Pine Ridge, or Mission. There are no restrictions on who you can work with for credit repair, as long as the company is following all local, state, and federal regulations for credit repair companies.

Get help with credit repair in South Dakota:

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