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
Bad credit is one of the hardest things to live with. Not only do you have to deal with debt collectors dogging your every step, you also have to deal with other negative side effects. Bad credit can prevent you from securing housing, being approved for lines of credit, and even can stop you from getting a job or a promotion at work. Making better financial decisions will help you prevent going into debt in the future, but hiring a professional credit repair service can help fix your credit now. There are many ways in which a professional credit repair service in Wyoming can help you fix your credit and put you back on the path to success.
Overview of the credit industry in Wyoming
Wyoming is one of the more affordable states in the US. It has a low cost of living, with all basic necessities and real estate being lower than the national averages. With this in mind, it comes as no surprise that Wyoming sits very close to the middle on the list of credit card debt by state. The average person in Wyoming has a credit card debt of $5,068, while the national average is $5,193.
People in Wyoming also tend to have decent credit scores. The average credit score in Wyoming is 722 points, a healthy eight points above the national average of 714. While the score is considered good, there's always room to move forward and improve your credit score. If you're having trouble making any positive impact on your credit score, no matter what you're doing, you might be a good candidate for credit repair service. This is a service that helps you to remove false entries from your credit report that could be causing your credit score to be miscalculated.
Laws that affect credit repair in Wyoming
No state laws currently exist in Wyoming that impact credit repair companies directly. Instead, the state relies on existing federal legislation that governs the actions credit repair companies can do or not do within the country. The Credit Repair Organizations Act (CROA) is the main federal law that applies in this case. This law gives guidance about how payments can be charged, how contracts should be set up, how businesses can communicate about credit repair service, and other protective measures for consumers.
Do you need a lawyer to do credit repair in Wyoming?
Although there's a common belief that you need to work with the lawyer to do credit repair in Wyoming, this is a misunderstanding. There is no such requirement, and there are many legitimate businesses that offer credit repair services to customers around the state without having any lawyers on staff. This is beneficial to you, because you have access to any company you want that provides a legitimate service, allowing you to choose a company that makes you feel most comfortable.
Credit repair process in Wyoming
There are 3 basic steps that go on during the credit repair process in Wyoming. It goes something like this:
Step 1: Request your credit reports
First, you need to get a hold of your credit reports. These credit reports are compiled by the 3 major credit bureaus within the US. On the reports, you'll see entries of all the credit-related transactions and interactions you've had with businesses in Wyoming and elsewhere. Credit reports are used to calculate your credit score, so it's vital that all the information is correct. You can request your credit scores for free online at least once every 12 months.
Step 2: Examine entries on your credit reports
With your credit reports in hand, it's time to start your own investigation. You're looking for any inaccurate information or incorrect entries. Pay close attention to any negative entries that are on your credit reports, but also look at open credit accounts as well as positive entries, because all entries are able to have errors in them. Errors are unfortunately common in credit reports, so look closely and don't make any assumptions about the correctness of a statement until you read it for yourself.
Step 3: Dispute any inaccuracies your find
If, and only if, you find errors on your credit reports, you can proceed with sending a dispute letter to the credit bureaus to have them resolve the issue. Since you cannot change your credit reports yourself, you need to go through the credit bureaus to make sure it's adjusted to accurately reflect the things you've actually done, instead of the inaccurate information that's currently there. A dispute letter must contain evidence to show the inaccuracy of the entry you’re disputing, or else they're the letter is unlikely to be considered legitimate by the credit Bureau that receives it.
Note: Credit repair is not a simple process, although it only takes around 3 steps. These are not easy steps, with each one having its own layer of complexity. The most difficult part of the process is the final part where you're disputing inaccuracies on your credit reports. It's very helpful to have an experienced credit repair company on your side for this part of the process, instead of fumbling around it on your own and potentially losing the attention of the credit bureaus.
Why Should I Use Professional Credit Repair?
Using a professional credit repair service in Wyoming has its advantages even though you can perform most of the same actions used to correct your credit. Most people are busy with work and family life which leaves only a limited amount of time to sit on hold. When you dispute an item on your credit report, you often will need to spend time following up to make sure it's removed. Sometimes a consolidation of your debts is the best way to reduce your overall DTI ratio, in this case, a professional credit repair agency can be very helpful. They will work to reduce your amounts owed and create a consolidation plan that meets your needs. A professional credit repair company can ask for negative marks from the consolidated accounts to be removed as part of your debt consolidation plan. They will also monitor your credit report for changes, both negative and positive.
While not every credit repair company offers credit counseling, it is a good idea to hire a company that offers it as part of your credit repair package. This will allow you to learn critical tips and tricks to managing your money and your credit going forward. The last thing you want is to fall into the same bad credit mistakes after spending time and money to rebuild your score. Depending on the nature of your debt, you may want to find a company that offers consolidation services. Not only will this help your score improve, but it will also help you save money by bundling multiple debts into a single debt with a single monthly payment.
Common questions and answers:
How much can you improve your credit score in Wyoming?
While there's not much you can do to improve your credit score quickly in Wyoming, credit repair is an exception. If you already have erroneous entries on your credit reports, credit repair simply erases those entries and allows your credit score to be recalculated based on what you've actually done, not on inaccurate entries.
How much does it cost to fix your credit in Wyoming?
Fixing your credit through credit repair in Wyoming will likely cost you around $79 to $199 per month, although you can find companies offering the similar services in different packages from $99 to $169 per month. Some companies may also charge an additional fee at the beginning of the contract as a setup fee.
How long does the credit repair process take in Wyoming?
Credit repair has an unpredictable timeline, but it often takes somewhere between 3 to 6 months from start to finish. There's no way to accurately predict how long it will take for you, so if you're planning to make a big purchase that requires good credit, it's best that you begin the credit repair process as soon as possible to avoid any delays.
Are there any cities in Wyoming where you cannot do credit repair?
All cities in Wyoming can be served by any credit repair company that's operating within the state. There are no restrictions based on the location of the company, the size of the city, or any other demographic specifics. So, whether you're in Cheyenne, Casper, or Gillette, or a smaller city like Evansville, Pinedale, or Dayton, stop you have your pick of any credit repair company operating within Wyoming.
Get help with credit repair in Wyoming:
- Afton
- Basin
- Buffalo
- Casper
- Cheyenne
- Cody
- Douglas
- Dubois
- Evanston
- Fort Washakie
- Fremont County
- Gillette
- Green River
- Jackson
- Kemmerer
- Lander
- Laramie
- Laramie County
- Lovell
- Lusk
- Natrona County
- Newcastle
- Park County
- Pinedale
- Powell
- Rawlins
- Riverton
- Rock Springs
- Saratoga
- Sheridan
- Sheridan County
- Sundance
- Thayne
- Thermopolis
- Torrington
- Wheatland
- Worland