Compare Top Credit Repair Companies
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Credit Saint
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Improve your credit score! |
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Learn More (478) 845-6310 | Read More |
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Sky Blue Credit Repair
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Charges $79 setup fee. Monthly fees start at $79. Typical customers see credit score improvement results within 30 days. Offers 90-day money-back guarantee. No cancellation charges. Available nationwide. |
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Learn More (888) 751-6072 | Read More |
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The Credit People
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Offers repair services for bad credit. $79 per month. Could positively affect your credit score within 60 days. Employs certified representatives. Credit solutions available on the company’s website. |
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The Credit Pros
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Setup fees range from $19 to $149. Monthly fees from $19 to $119. No money-back guarantee. Cancel credit repair services any time. Available nationwide. |
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Learn More (844) 441-1397 | Read More |
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Lexington Law
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Read More | ||
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The Help Program
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Location
633 W. Wisconsin Ave., Ste. 500
Boise, ID 53203
(208) 938-4032
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Read More | |
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Advanced Credit Solutions
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Location
842 E. Winding Creek
Eagle, ID 83616
(208) 938-4032
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Read More | |
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Continental Credit
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Location
Online services in
Boise, ID 83651
(866) 488-2066
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Read More |
Credit repair in Boise
The U.S. has seen a gradual increase in credit scores since the 2008 financial crisis, and average scores are now at an all-time high of 675. As the average credit score in the U.S. is going up, so is the amount of money people are borrowing. Idaho residents have an average credit card debt of $5,817, slightly less than the national average of $6,354.
Having a lower credit score means you’re at a disadvantage when borrowing money from financial companies. Your credit limit might be restricted, and your loan and credit card interest rates will likely be considerably higher. It’s worth your time to clean up your credit reports, especially before making financial decisions that require a loan.
Any errors on your credit report can significantly lower your credit score. Legitimate credit repair companies check your credit reports to find information that could be disputed. If the dispute is successful, the company ensures the information doesn’t reappear after being removed. Here are examples of common errors credit repair companies encounter:
- Accounts that aren’t yours
- Legal actions that don’t pertain to you, such as bankruptcy
- Misspellings and incorrect dates
- Old debts that should be removed from the report
- Pending debts that can’t be validated or verified
Choosing trustworthy credit repair in Boise
While credit repair companies can be helpful, the credit repair industry is crawling with scams. Finding a reliable and honest credit repair service will take research. It’s always best to check a company’s credentials and background.
Trustworthy companies should advise you on how to avoid further damage on any existing accounts and work with you to keep your credit score healthy moving forward. The companies should also give customers a three-day cancelation period and clear information on the cost of the service, which is a requirement of the Credit Repair Organizations Act. Although credit repair companies may charge you for the cost of accessing your credit reports, they should not demand advance payment for any services.
Credit Repair Reviews
Credit Saint |
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Credit Saint, a BBB accredited business, has been helping Boise credit holders improve their credit history for more a decade. Many customers in Boise appreciate the company’s employees’ transparency and honesty. All programs come with Credit Saint's 90-day, money-back guarantee. |
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Learn More (478) 845-6310 |
Sky Blue Credit Repair |
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Sky Blue Credit Repair has been a reputable company since 1989, cleaning up credit report errors to help improve their customers' overall credit scores. Customer reviews from Boise praise the user-friendly online experience that is straightforward and manageable. |
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Learn More (888) 751-6072 |
The Credit People |
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According to customers, The Credit People does what they claim to do, improving credit scores for their 100,000 customers. Clients can access their accounts anytime and are free to cancel with a refund thanks to the Unbeatable Satisfaction Guarantee. Customers appreciate this transparency and many were happy with the results. |
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The Credit Pros |
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Customers that sign up with The Credit Pros are given easy-to-read credit reports and personalized score insights. The company also provides careful credit monitoring to prevent identity theft. Customer reviews from Boise say the company’s coaching staff helped them raise and maintain their credit score. |
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Learn More (844) 441-1397 |
Lexington Law |
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Lexington Law is a credit repair service known for meeting goals. In 2017, Lexington Law helped remove 10 million negative items from credit reports. They offer free consultations and reviews of your credit score. Boise residents praise the results achieved by the company. |
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The Help Program |
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The Help Program is a local Boise company that provides credit repair services, expense tracking, mortgage consultation, down payment savings plans and overall financial analysis. Many Boise customer reviews appreciate the friendliness and local knowledge of the staff. |
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Advanced Credit Solutions |
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Advanced Credit Solutions has been helping improve credit scores for more than 20 years. Many reviews from Boise say it’s a trustworthy company that’s open with customers and friendly to those who are new to credit repair. Their website gives a list of proven results for people they have helped in the past. |
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Continental Credit |
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Many customers appreciate Continental Credit’s free online consultation. The company’s staff believes in being adaptable when finding ways to meet your needs and expectations. Boise residents say the company’s credit repair specialists are thorough with their explanations of what needs to be fixed on a credit report. |
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