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Best Credit Repair in Kansas City

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Written by Kathryn Parkman

If your credit score is low, it can be an obstacle to finding housing, buying a car and qualifying for loans and credit cards in Kansas City. Credit repair companies work on your behalf to dispute negative items on your credit report and monitor your credit. Some also provide financial counseling services and credit education.

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Top 9 Kansas City Credit Repair Companies

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    Credit repair services in Kansas City

    The average credit score in Kansas is 680, meaning most people in KC are drifting right below a good score. Unfortunately, Kansas City residents with lower credit scores find it challenging to qualify for reasonable housing and decent loans.

    Sometimes a low credit score may not even be your fault. One of the most typical reports the Consumer Financial Protection Bureau (CFPB) receives is the amount of inaccurate information on an individual's credit report. In fact, credit repair services are especially popular with people who have been victims of identity theft because it can be very time-consuming to dispute each fraudulent item.

    The main goal of a credit repair service is to rectify this situation. These companies typically charge an initial fee to audit your credit report, then a monthly fee to continue working on your behalf to attempt to resolve issues. Other companies charge per item removed. Keep in mind that credit repair companies that guarantee an increase in your credit score or require hefty up-front payments are usually a scam.

    Credit repair regulations in Kansas City

    In addition to state regulations, the Credit Repair Organization Act (CROA) is a federal law that regulates credit repair companies in all states. CROA prohibits credit repair companies from making false claims about their services. Customers have grounds to sue if credit repair companies violate the CROA.

    In Missouri, credit repair companies must register with the Division of Finance. Missouri law prohibits credit restoration companies from collecting payment before services have been performed unless the organization holds a bond.

    In Kansas, credit restoration companies must apply for a license from the State Banking Commissioner. Credit repair companies in Kansas must also hold a bond. Licensed lawyers who offer credit repair in the state are exempt from the provisions of the Kansas Credit Services Organizations Act.

    Kansas City credit repair FAQ

    Is credit repair legal in Missouri and Kansas?
    Credit repair is legal in both Missouri and Kansas. State and federal laws govern the conduct of credit repair organizations and prohibit them from making false claims about their services.
    How much does credit repair cost in Kansas City?
    Most credit repair companies in Kansas City charge a start-up fee around $30 - $100 with monthly services around $70. Attorney-based credit repair starts at $65 for each item removed, plus administrative fees and credit monitoring fees.
    How can you tell if a credit repair company is a scam in Kansas City?
    Any credit repair company that claims to “erase bad credit” or makes other false claims about services is acting illegally. To comply with the law, Kansas City credit repair companies must provide a written contract and cannot start work before you sign it. Companies cannot charge until services are rendered, so upfront fees are also a sign of a scam.
    Where can you get a free credit report in Kansas City?
    Consumers everywhere are entitled to one free credit report annually from each of the three credit reporting agencies.

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      Kansas City credit repair company information

      KC Credit Services

      KC Credit Services works on charge-offs, collections, late pays, repossessions, foreclosures, identity theft, student or payday loans and debt relief. Clients can select from Gold, Platinum and Platinum Plus credit repair programs. Business credit programs are also available.

      • Service areas: Kansas City and surrounding areas
      • Address: 2016 Swift Street, North Kansas City, MO 64116
      • Phone: (816) 421-8001
      • Hours: M - F: 9am - 6pm
      • Website: kccreditservices.com
      Credit Law Center

      Credit Law Center performs credit repair for clients nationwide. Fees start at $65 for collections, charge-offs and repossessions. Bankruptcies, foreclosures and short sales are $120. Clients don’t pay a fee until items are removed.

      • Service areas: Kansas City, Lee’s Summit
      • Address: 4041 NE Lakewood Way, Suite 140, Lee's Summit, MO 64064
      • Phone: (816) 994-4600
      • Hours: M - F: 8:30am - 5pm
      • Website: creditlawcenter.com/credit-repair/kansas-city-credit-repair
      Credit Advisors Council Kansas City

      Credit Advisors Council is a nationwide organization that partners with local Kansas City partner Credit Restart. Staff can help with credit counseling services, credit repair, student loans, debt consolidation, identity theft and financial literacy. Monthly plans start at $69.99 per month.

      • Service areas: Kansas City and Lenexa
      • Address: 8700 Monrovia Street, Suite 310, Lenexa MO 66215
      • Phone: (816) 726-9035
      • Hours: 24/7
      • Website: creditadvisorscouncil.com
      Patton Knipp Dean

      Patton Knipp Dean is a law firm that specializes in bankruptcy cases, debt collector harassment and credit report inaccuracies. After your bankruptcy case concludes, staff will continue to help you build and repair your credit at no extra charge. With several locations in Missouri and Kansas, clients can visit an office for an in-person consultation.

      • Service areas: Lenexa, Gladstone, St. Joseph, Emporia and Independence
      • Address: 12760 W 87th Street Parkway, Lenexa, KS 66215
      • Phone: (913) 203-4786
      • Hours: M - F: 9am - 5pm
      • Website: pattonknipp.com
      Certified Credit Experts

      Certified Credit Experts provides credit repair services and credit counseling to help clients maintain good credit. Online software allows clients to access their accounts and check progress in real-time. Clients don’t pay fees until items are removed.

      • Service areas: Lee’s Summit, Leawood and surrounding areas
      • Address: 4041 N.E. Lakewood Way #150, Lee's Summit, MO 64064
      • Phone: (816) 994-4600
      • Hours: M- F: 8:30am - 5pm
      • Website: certifiedcreditexperts.com