2022 Reviews

Top Credit Repair Services in Philadelphia - 2022

LAST UPDATED 28 May, 2022
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List of the Top Credit Repair Services in Philadelphia

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Zorro Credit

Service Focus
37% Trade Lines
16% Credit Disputes
17% Debt
30% Other
Service Focus
37% Trade Lines
16% Credit Disputes
17% Debt
30% Other
Zorro Credit offers you credit score fixation as fast as possible located in Philadelphia. Their credit repair serviceslude removal of collection, removal of late payment, removal of bankruptcies and removal of judgments among others. The firm has been repairing credit scores since 2004. Up to today, Zorro credit has helped more than 14000 people with their credit score.

Credit Repair Philadelphia

Service Focus
12% Trade Lines
27% Credit Disputes
14% Debt
47% Other
Service Focus
12% Trade Lines
27% Credit Disputes
14% Debt
47% Other
Credit Repair Philadelphia is the easiest way to connect with local Philadelphia credit repair consultants. The company will help you retrieve your credit report from top three credit bureaus. They will again help you negotiate with your lenders to remove negative items and also assist you imProve your FICO score.

Creditrescueamerica

Service Focus
43% Trade Lines
39% Credit Disputes
4% Debt
14% Other
Service Focus
43% Trade Lines
39% Credit Disputes
4% Debt
14% Other
Credit Rescue America rescue American’s from bad debt credit, a better credit score opens up new employment opportunities, also Promotions and raises with your current employer. The firm is committed in educating individuals about the credit system with an emphasis on exposing credit reporting abuses. Their mission is to bring some measure from equality to those who is truly credit worthy

Frequently Asked Questions About Credit Repair Services

Settling whatever challenges or inaccurate information you have in your credit report can help you get a good credit score which is enough to also have low mortgage rates. Credit repair services can help with challenging this inaccurate information and ensure that it has actually been corrected in your credit report. This can get you a good credit score as long as you don’t have any down debts and the information challenged was actually inaccurate thereby getting you low mortgage rates.

It’s not necessary or something you need to do before you get your challenges sorted. You can absolutely do it on your own but if you need further advice or would like to consult with experts or you’re a busy person and wouldn’t have time to do it and follow up, then you should get the services of a legitimate credit repair company to help you with it.

What credit repair companies do primarily is to give you advice on what to do regarding inaccurate information on your credit report and also help you through the process of submitting a challenge to the appropriate quarters. Depending on the subscription you have with them and the amount you’re paying, these services might be extended to other things such as credit monitoring. So basically they provide services to help you counter any kind of inaccurate information you have on your credit report.

Yes, credit repair services are legal. It is even protected by a federal law. So that means using them is actually not a problem. However, you might need to be very careful when selecting a credit repair company so as not to fall for scams posing to offer credit repair services. Also, beware of any credit repair company that guarantees to have accurate information taken off your credit report.They have no hand in that, they only submit disputes just like you can do yourself and wait for feedback regarding the dispute issued.

If work means helping you to dispute or challenge any inaccurate information in your credit report, then yes. Credit repair services help you do that together with a number of other things, one of which is Credit reporting. They submit a dispute on your behalf and also do follow up to ensure it is settled and the information no longer appears on your credit report. However, if the information is inaccurate or unverifiable, then the information might not be removed but that is not a fault on the part of your credit repair company.

To start, you’d first have to obtain your credit reports. Everyone is entitled to a free credit report once in 12 months and this can be gotten from www.annualcreditreport.com. After getting your report, the next thing is to check and review the report for any negative items or inaccurate information, which could be late payments, bankruptcies, repossessions and so on. Next step is to challenge and dispute the inaccurate information in the report. If the information is accurate, it will not be removed. Even for the inaccurate information detected, you will need to get proof or something to back up your claim for it to be properly investigated and have it removed. You can then send a mail to the credit agency reporting the inaccurate information stating your challenge. There’s also an option to submit disputes online and this can be done via the agency’s website.

There are a number of companies that offer credit repair services. Their services usually come with not just helping you repair your credit but also some other things like credit monitoring or follow up to ensure the inaccurate information has been removed from your credit report. The best available is Credit Saint, having an A+ rating at the Better Business Bureau for over 10 years. They offer free consultation at the start to help you identify negative items in your credit report before you can then decide on which of their packages you want to go for. Their services range from sending challenges to all three credit bureaus, sending cease and desist letters, to credit monitoring and being able to monitor progress in your dashboard.

Unless you’re a really busy person and you don’t have the time to check your reports and dispute whatever inaccurate information you have in your credit report, then it’s not worth paying someone to fix your credit for you. “Fix”, at best in this context, means they’ll help you try to get inaccurate information off your credit report as long as it’s the right thing and also verifiable. If the information is not accurate, there’s nothing even the best credit repair services can do to remove such information. Whereas, there’s nothing a credit repair service or anyone willing to help you for a price will do that you totally cannot.

It costs absolutely nothing to repair your credit when you do it all by yourself. It’s not an entirely difficult process that you can’t handle and it will help you save money rather than pay someone to do it. However, you can spend between $30 to $130 when you hire the services of a credit repair company to help you go about it just in case you don’t have the time to do it yourself. Most credit repair services are usually subscription based and you might have to pay the amount every month to have the companies help you dispute inaccurate information in your credit reports.

Quality Credit Repair

Service Focus
23% Trade Lines
13% Credit Disputes
27% Debt
36% Other
Service Focus
23% Trade Lines
13% Credit Disputes
27% Debt
36% Other
Quality Credit Repair offers credit repair and debt counseling services to clients in Philadelphia, AP. The firm has Provided financial counseling and credit repair services to individuals with wide range of simple and complex financial Problems involving issues such as bankruptcy, and excessive debt among others. The consultants at Quality credit Repair are highly trained and committed.

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I2I Credit Repair Company

Service Focus
16% Trade Lines
25% Credit Disputes
28% Debt
32% Other
Service Focus
16% Trade Lines
25% Credit Disputes
28% Debt
32% Other
i2i Credit Company offers you free credit repair consultation via phone or you can visit center city location 9in Philadelphia. They offer different packages starting with classic package, deluxe package, and golden package. In classic package you get free 30 minutes consultations while in deluxe package they offer 3 free 30 minutes consultation and in gold you get 4 Primary starter accounts.

Credit Glory

Service Focus
38% Trade Lines
7% Credit Disputes
16% Debt
39% Other
Service Focus
38% Trade Lines
7% Credit Disputes
16% Debt
39% Other
Credit Glory has been in the credit industry for over a decade, with their branch in Philadelphia the company serves client’s nationwide. They can successfully help you imProve your credit score. They have over decades of experience in the credit repair you can be sure to look for them for excellent work.

A&C Consultants

Service Focus
10% Trade Lines
22% Credit Disputes
30% Debt
38% Other
Service Focus
10% Trade Lines
22% Credit Disputes
30% Debt
38% Other
Philly Credit Mechanic is the highest rated credit repair company in the tri-state area. The company has helped hundreds of clientsreasing their credit scores from 75-200 points within a short time frame. Their mission is to help people achieve their goals, imProve their quality of life, and cross personal and Professional items off their bucket list.

Daewes Credit Solutions

Service Focus
30% Trade Lines
29% Credit Disputes
6% Debt
34% Other
Service Focus
30% Trade Lines
29% Credit Disputes
6% Debt
34% Other
DaeWes Credit Solution helps consumers, globally, imProve their financial position through credit repair services, financial literacy, and credit education. They help their clients remove and correct inaccurateomplete, and unverifiable derogatory items on their credit reports by suing the LAW. They also assists clients get new credit cards and loans.

Blessing Financial

Service Focus
18% Trade Lines
31% Credit Disputes
31% Debt
21% Other
Service Focus
18% Trade Lines
31% Credit Disputes
31% Debt
21% Other
Blessing financial helps clients achieve their best possible life, using their finances to support that life is most fulfilling way. They can help in: juggling college bills and retirement planning, developing strategies to pass wealth on to the next generation among others. Some of their Product and serviceslude: Bonds, common stock, Traditional IRA among many more.

Care Consulting

Service Focus
22% Trade Lines
19% Credit Disputes
30% Debt
30% Other
Service Focus
22% Trade Lines
19% Credit Disputes
30% Debt
30% Other
C.A.R.E Consulting is a Private consulting firm launched in 2016, with more than ten years of credit repair and consulting experience Prior to the launching. Guiding clients through the credit repair Process is what makes them different from others. The firm is committed to Providing personalize services, tool, resources, and education to empower you to be financially healthy.

Dunn Done It Credit Repair

Service Focus
6% Trade Lines
28% Credit Disputes
25% Debt
40% Other
Service Focus
6% Trade Lines
28% Credit Disputes
25% Debt
40% Other
Dunn Done It Credit Repair offers Private assessment, contacting creditors on your behalf, and more. They have been trained in recent laws, statutes, and credit reporting Practices. They have knowledge on what items on your report affect your score the most. They offer variety of tools, as well as membership that can fit any situation to get you back on track.

Allen & Allen

Service Focus
20% Trade Lines
16% Credit Disputes
36% Debt
28% Other
Service Focus
20% Trade Lines
16% Credit Disputes
36% Debt
28% Other
Allen and Allen is certified member of the national association of credit services organization (NACSO) Credit repair organization their goal is to Provide credit repair services and assist consumers in achieving accurate credit report. The firm is dedicated by serving the needs of our customers each and every day. They are good to help gain your credit score.

Freedom Debt Relief

Service Focus
18% Trade Lines
23% Credit Disputes
28% Debt
32% Other
Service Focus
18% Trade Lines
23% Credit Disputes
28% Debt
32% Other
Freedom Debt Relief is the largest negotiator of debt in the nation, Freedom Debt Relief takes a human apProach to debt relief. They are passionate about helping people overcome debt as quickly as possible. The firm Provides exceptional services for clients, they have grown to employ over 2000 highly trained Professionals and resolved debts for over 600,000 clients.