Consumers with low credit scores can improve their creditworthiness with trusted credit repair companies. Avoid pitfalls and scams by checking to make sure the company is known for customer service, transparency and fair billing. Our partners at ConsumerAffairs researched the best credit repair in Cincinnati to help consumers avoid predatory companies and get their credit back on track.
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When it comes to credit scores, Cincinnati residents rank fairly well compared to national averages. The average credit score in the Queen City is 678, and the average resident has $5,843 in credit card debt, which is around $500 less than the national average. Even with good national rankings, however, there’s room for improvement, and raising your credit score can help you qualify for better interest rates on loans. This is where credit repair agencies can help.
Credit repair services in Cincinnati can help those recovering from bankruptcies or other financial hardships, or those planning large purchases or navigating business expenses.
How credit repair works in Cincinnati
Credit repair companies in Cincinnati comb through every transaction in your credit report to confirm the details and determine if negative marks should be disputed or are eligible to be removed. Depending on your credit history, it may take up to six months to complete the process, and it may take a year or more for your score to rebound.
A trustworthy credit repair agency will inform you of your option to repair your credit yourself for free by contacting the credit bureaus directly. This can be time-consuming and confusing, so many consumers in Cincinnati seek assistance in the process.
How to avoid a credit repair scam
There are many scams and predatory companies to avoid, so ask these key questions when choosing your credit repair service:
What is the pricing structure? There are many different pricing structures among credit repair companies. You may pay a monthly or annual membership fee, or you might pay per service, depending on your needs. Other services, such as credit monitoring or identity theft protection, may have an additional cost.
What is the repair process? The company often begins by collecting information on the items in your credit report. If any are inaccurate or outdated, they will usually write letters to the credit bureaus to dispute the information. If this is unsuccessful, legal action may be necessary. Companies might have an in-house legal team, or they might direct you to outside legal assistance.
Who is your point of contact? Some companies provide a dedicated case manager, while others have a team of customer service representatives to assist you.
What customer service features are offered? A mark of a good credit repair company is customer-focused services and features. These include mobile apps, personalized online accounts, educational knowledge bases and credit monitoring.
Keep an eye out for scams while vetting potential companies. Some warning signs include:
Upfront costs (except to obtain your credit report)
Guaranteed claims of improvements to your credit score
Unclear or overly restrictive cancellation policies
Lexington Law prides itself on effective and trusted service. The company helped remove 10 million negative remarks in 2017. Some Cincinnati consumers indicate no change to their credit score, but the company acknowledges that results may vary case-by-case. Other customers praised the company’s representatives for their helpfulness and expert assistance during the credit repair process.
Having processed over 310,000 unique credit reports, The Credit Repairs certified and trained representatives have impressed customers with their results. Customers have 24-hour access to their accounts and can cancel with a refund thanks to their Unbeatable Satisfaction Guarantee.
Sky Blue Credit Repair works directly with the credit bureaus to dispute or resolve items on your credit report. They offer user-friendly assistance, credit rebuilding expertise and fast resolution times for Cincinnati residents. Customers speak highly of their honesty, helpfulness, exceptional customer service and reliable results.
The Credit Pros has a reputation of success among their customers. With membership fees starting at as little as $99 per month, Cincinnati residents can see reasonable improvements in their credit score with the company’s monthly plan and unlimited disputes. The company’s services include ID theft protection and credit monitoring at no additional cost.
Credit Lynx boasts efficiency and simplicity. They offer regular updates, a transparent process and a customized plan for your past, present and future financial life. They provide special pricing for couples and numerous benefits to all customers, including credit education, unlimited disputes and 24/7 customer service.
Credit Smart Solutions
Credit Smart Solutions has affordable credit repair options for Cincinnati residents and offers credit audits starting at $35. Their satisfaction guarantee promises to refund your money if you don’t see a change to your credit score within the first 90 days. You can choose from one-time services or long-term financial planning and monitoring.
Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.
Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.