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Credit Saint
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Call Now Toll Free
(478) 845-6310
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Sky Blue Credit Repair
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The Credit People
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The Credit Pros
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Call Now Toll Free
(844) 441-1397
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Miller & Miller Law
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CRE Credit Services
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When you're choosing a credit repair company, it’s important to understand each company’s process, pricing structure and services. Credit repair companies operate by disputing negative or inaccurate items on your credit report. After a credit bureau receives your dispute, it has 30 days to research and respond.
Credit repair companies do the legwork for you, following up on disputes and making sure the bureaus remove any inaccuracies.
In total, credit repair services could include:
While looking into credit repair companies, make sure you find a business that provides the services you want. Some credit repair companies specialize in bankruptcy or identity theft, while others help specifically with disputes. You may wish to prioritize companies that provide credit counseling so you can learn how to avoid bad credit in the future.
Credit repair companies in Portage County typically charge an initial setup fee of $19 to $100, while the lowest monthly fees start at $69. The setup fee covers the initial paperwork associated with your account but not any service.
For the actual credit repair services, expect to pay either a monthly fee or per each item the company removes from your credit report. Ask about all charges before signing up, so you’re not surprised by hidden fees, and be aware of each company’s cancellation policy.
According to federal law, credit repair companies cannot charge for service until they've provided services. If a company demands upfront payment, not including the initial service fee, look for a different company.
Under the federal Credit Repair Organizations Act, it is illegal for credit repair companies to make false claims. That means no company can guarantee to improve your credit score. The CROA also prohibits companies from collecting payment in advance. Credit repair companies in Portage County must provide a written contract and certain cancellation rights.
According to Wisconsin law, credit repair companies must furnish customers with a written notice of cancellation. Credit service organizations in Wisconsin must register with the state and obtain a surety bond or a letter of credit from a bank. Before working with a Portage County credit repair company, check that it is registered with the state.
Is credit repair legal in Portage County?
Yes, credit repair is legal in Portage County and throughout the state of Wisconsin. However, state and federal laws strictly regulate how credit repair companies operate.
Are credit repair scams common in Portage County?
Unfortunately, credit repair scams are fairly common. Portage County residents should avoid certain red flags, such as demands for upfront payment or guarantees of results.
How long does it take to fix your credit?
The credit repair process can take anywhere from 30 days to over two years, depending on your individual situation. In most cases, Portage County credit repair companies work with you for three to six months to start improving your credit score.
What are the different types of credit repair services offered in Portage County?
Credit repair services in Portage County include credit history disputes, financial counseling and credit monitoring. Many credit repair companies also offer free credit analyses or debt settlement services.
What is the Credit Repair Organizations Act?
The Credit Repair Organizations Act is a federal law that provides protection for consumers seeking credit repair and regulates how credit repair companies do business.
Credit Saint |
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Credit Saint is a national company offering credit repair services in Portage Country. Its services come with a free credit consultation and a 90-day money-back guarantee. Credit Saint’s specialists write custom disputes for each item they challenge on your credit report. Expect to pay a $99 setup fee plus monthly fees starting at $79.99. |
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Learn More (478) 845-6310 |
Sky Blue Credit Repair |
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Sky Blue Credit Repair is a credit restoration company that provides services throughout Wisconsin and the U.S. This company charges clients a $79 setup fee and then $79 per month after that. This price includes access to special services like debt validation, goodwill letters and cease and desist letters. Sky Blue Credit provides a 90-day money-back guarantee. |
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The Credit People |
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The Credit People offers a satisfaction guarantee, access to credit reports from all three bureaus and the ability to monitor your account 24/7. Madison clients pay a $19 setup fee and then $79 per month. Flat-rate memberships are also available at $419 for six months of service. |
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The Credit Pros |
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The Credit Pros provides a range of services, including goodwill letters, cease and desist letters and debt validation. Portage County residents should expect to pay a $119 setup fee plus a monthly rate starting at $69. |
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Learn More (844) 441-1397 |
Miller & Miller Law |
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Miller & Miller Law helps Portage County residents navigate the bankruptcy process and repair their credit. Its credit repair service is only available to bankruptcy clients and includes a seven-step course that educates clients on credit maintenance. If you want to file for bankruptcy, call or visit its office at 2810 Crossroads Drive, Ste. 4001, Madison, WI 53718. |
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CRE Credit Services |
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CRE Credit Services helps residents throughout southern Wisconsin get inaccuracies removed from their credit reports by disputing inaccurate late payments, bankruptcies, repossessions and other items. Agents with CRE Credit Services educate clients on maintaining good credit after they leave the program. Call or visit the local office at 2810 Crossroads Drive, Ste. 4000, Madison, WI 53718. |
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