Best Credit Repair in Kansas City
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.
Top 9 Kansas City Credit Repair Companies
|Credit Saint||Read 46 Reviews|
A credit restoration company. Changes to credit history are often seen in 45 days. A 90-day money-back guarantee includes a personal advisor and online system to track progress. Monthly fees range from $60-100.
|toll freenumber(844) 598-8459 Visit Website|
|Sky Blue Credit Repair||Read 75 Reviews|
Sky Blue Credit Repair professionals do not work on commission and focus only on helping clients reach goals. Since 1989, the company has helped millions of consumers erase erroneous credit report items and raise credit scores.
|toll freenumber(844) 729-7792 Visit Website|
|Lexington Law||Read 1494 Reviews|
Free personalized credit consultation and three service levels offered that range from $89.95-$129.95/month. One-time first-use fee charged 5-15 days after sign-up. Service is month-to-month and can be cancelled anytime.
|toll freenumber(855) 464-9621 Visit Website|
|CreditRepair.com||Read 24 Reviews|
Credit Repair services are unique because they go beyond one-time credit repair by helping clients develop a long-term healthy relationship with credit. Certified FICO professionals empower people for long-term financial success.
|toll freenumber(844) 211-7298 Visit Website|
|Certified Credit Experts||Read Expert Review|
Provides free consultations. Charges per item removed from credit report. Clients typically see results within 40 days. Track progress through 24/7 account access.
|Credit Advisors Council Kansas City||Read Expert Review|
Offers credit repair monthly plans starting at $69.99. Specializes in credit repair, credit counseling, identity theft recovery and financial literacy. Discount for couples who sign up together.
|Credit Law Center||Read Expert Review|
Provides free consultation. Charges one-time administrative fee of $95. Prices start at $65 for each item removed. Credit monitoring available for $20 per month. Flexible payment options.
|KC Credit Services||Read Expert Review|
Offers free initial consultation. Charges $399 - $699 for full consultation. Ongoing credit restoration services start at $99 per month.
|Patton Knipp Dean||Read Expert Review|
Offers free consultation and case reviews. Specializes in credit restoration after bankruptcy. Provides free credit repair services for bankruptcy clients.
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 popular complaints 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.
Kansas City credit repair company information
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 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 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 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 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