One in five Tulsans has inaccurate negative items on their credit report, which lowers credit scores and increases borrowing costs. We researched the best credit repair companies in Tulsa to help consumers dispute erroneous charges and restore positive credit.
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How we chose the best
We thoroughly researched credit repair companies, pricing information, service options and consumer reviews.
Tulsans who want to open a new credit card or are in the process of buying a home or car, benefit from credit repair services. The average credit score in Tulsa is 649. Nationally, the average is 687. Any score above 720 is considered excellent.
Removing inaccurate information or unauthorized activity from your credit report can take up to 45 days, but because credit bureaus must respond to disputes within 30 days, most disputes are resolved in the same timeframe.
Credit repair companies cannot require payment until services have been fully rendered thanks to the Credit Repair Organizations Act. Though companies collect billing information prior to beginning service, most will not charge a card until the company is able to successfully remove inaccurate information or unauthorized activity. Many credit repair companies can charge a one-time setup fee, which typically ranges between $60 and $100 before monthly payments begin.
Hiring a credit repair service in Tulsa is not necessary to remove inaccurate information from your report. The process is similar to taking your car to the dealership for service instead of doing an oil change yourself.
However, credit repair experts have the tools and knowledge to remove inaccurate information, saving you time and hassle. Because credit repair is a sensitive topic, this kind of customized service is invaluable. Some credit repair companies provide their clients with personal advisers or personalized technology while others employ a team of representatives to assist you.
With the help of a credit repair service in Tulsa, you will discuss credit restoration strategies and may be able to improve your credit score.
Credit repair companies claiming they can remove bankruptcies and liens or legally create a new credit identity are scams. A credit repair company is fraudulent if they:
Ask you not to directly contact credit reporting companies (Experian, TransUnion and Equifax)
Tell you to give false information on applications for loans or credit cards
Insist on payment before completing any work
Request that you dispute information on your credit report that you know is accurate
At Credit Saint, clients are assigned personal advisers to help with credit restoration. Advisers create plans to build positive credit and will provide progress reports throughout the repair process. Credit Saint expects positive results within 45 days and offers a full refund if zero negative items are removed after 90 days.
Formed in 1989, Sky Blue Credit Repair offers credit repair and restoration services with a 90-day money-back guarantee. Sky Blue Credit Repair will prepare a line-by-line review of your three-bureau credit report, re-dispute unsolved items and provide practical score optimization and credit rebuilding tips.
The Credit People
The Credit People offers low monthly pricing, free credit reports and an Unbeatable Satisfaction Guarantee. Their trained and certified representatives have processed over 310,000 unique credit reports. Customers appreciate that The Credit People deliver on every promise.
The Credit Pros
Clients of The Credit Pros receive one-on-one consultations with a certified FICO professional. They get unlimited dispute letters and cease-and-desist letters to debt collectors. The Credit Pros have an A+ rating with the Better Business Bureau and allow plan cancellations at any time.
Working to challenge unfair and inaccurate negative credit report items, Creditrepair.com offers a personalized dashboard with score tracking and progress analysis, plus credit monitoring through TransUnion. Customers can save $50 on their first monthly payment when a family member or friend signs up, too.
With three tiers of service, Lexington Law crafts customized strategies with its attorneys to provide clients with personal credit repair strategies. While Lexington Law removed over seven million negative items from customer credit reports in 2015, some customers say they saw no positive change in their credit score.
ConsumerAffairs content is intended to be used for general information purposes only. Before you make any investment, it is very important to do your own analysis based on your own personal circumstances and consult with your own investment, financial, tax and legal advisors.