Credit Saint
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Improve your credit score! |
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Learn More (478) 845-6310 | Read More |
Sky Blue Credit Repair
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Charges $79 setup fee. Monthly fees start at $79. Typical customers see credit score improvement results within 30 days. Offers 90-day money-back guarantee. No cancellation charges. Available nationwide. |
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Learn More (888) 751-6072 | Read More |
The Credit People
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Offers repair services for bad credit. $79 per month. Could positively affect your credit score within 60 days. Employs certified representatives. Credit solutions available on the company’s website. |
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Creditrepair.com
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Charges one-time $14.99 fee to pull credit reports. Monthly fee is $99.95. Average credit score improvement results within six months. No money-back guarantee. Cancel account anytime. Available nationwide. |
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Learn More | Read More |
The Credit Pros
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Setup fees range from $19 to $149. Monthly fees from $19 to $119. No money-back guarantee. Cancel credit repair services any time. Available nationwide. |
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Learn More (844) 441-1397 | Read More |
Lexington Law
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Read More | ||
InCreditable Advisors
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Location
22 E. Washington St., Ste. 640
Indianapolis, IN 46204
(317) 202-1297
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Credit Dispute Cloud
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Location
201 N. Illinois St., 16th floor, South Tower
Indianapolis, IN 46204
(800) 714-1792
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Express Credit Repair
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Location
301 N. Delaware St.
Indianapolis, IN 46204
(317) 210-5721
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Credit Rx America
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Location
Serves Residents in
Indianapolis, IN
(888) 882-1961
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Nationwide Credit Repair
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Location
176 W. Logan St., Ste. 117
Noblesville, IN 46060
(317) 773-3797
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According to a 2017 study by Experian, Indiana residents have an average score of 667, which is lower than the national average of 675. If you’re unsure of your credit score, there are multiple ways to obtain it.
If your score is fair or poor, you may have difficulty qualifying for personal loans, including auto loans and home mortgages, or end up paying higher interest rates on loans and credit cards. Even if you’re around the national average, you can save money by raising your credit score and qualifying for lower interest rates.
Before you seek help from a credit repair service, you should know what companies can—and can’t—do. No one can legally remove accurate and timely negative information from a credit report. You have the right to dispute items on your credit report yourself, but this is a confusing and time-consuming process. Credit repair companies in Indianapolis do the work for you and have the experience to get the results you want.
The credit repair industry is largely unregulated, so it’s important to choose a company you can trust. Indiana state law requires credit repair companies to:
Indiana law also gives consumers the right to sue credit service organizations for twice your actual damages or $1,000, whichever is greater, plus attorney fees if the company is intentionally engaging in fraud.
While you have good reason to be vigilant when choosing a credit repair company in Indianapolis, a reputable one can help you get your credit back on track. A Federal Trade Commission study found that 1 in 5 consumers have an error on at least one of their credit reports. Common mistakes on credit reports include:
A credit repair company in Indianapolis can help you remove errors and raise your credit score, but the process doesn’t happen overnight. The average consumer completes the dispute process in three to six months, but it may take more than a year for you to see the results show up on your credit score.
There’s no guarantee of results, but choosing a credit repair agency with a good reputation can give your score a boost.
Credit Saint |
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One of the more affordable credit repair agencies, Credit Saint offers three tiers of plans with varying price points and services. If no negative items are removed from your credit report within 90 days, the company promises a full, money-back guarantee. Indianapolis customers praise the company for raising their credit scores quickly and significantly. |
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Learn More (478) 845-6310 |
Sky Blue Credit Repair |
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Sky Blue Credit Repair offers a money-back guarantee and has an A+ rating from the Better Business Bureau. The company works by disputing 15 items, five from each credit bureau, every 35 days. Customers from Indianapolis give Sky Blue Credit Repair high marks, saying the company delivers results. |
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Learn More (888) 751-6072 |
The Credit People |
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With no hidden fees or added costs, The Credit People provides affordable services for those with low credit. Representatives are trained in various laws governing credit repair and have found results with over 310,000 unique credit reports. Customers note that representatives are responsive and informative. |
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Creditrepair.com |
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Creditrepair.com achieves an average 40-point credit score increase for their clients in the first four months and doesn’t charge an initial fee. The company also offers a money-back guarantee if it fails to deliver on the terms of the agreement with the customer. Customer reviews from Indianapolis say they appreciated the friendly customer service. |
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The Credit Pros |
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The Credit Pros has an A+ rating from the Better Business Bureau and provides a free initial consultation. The company focuses on repairing your credit and helping you avoid financial mistakes in the future. Reviews from Indianapolis customers describe the company’s counselors as knowledgeable and accessible and say the company provides top-notch service. |
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Learn More (844) 441-1397 |
Lexington Law |
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Lexington Law employs attorneys and paralegals to help you dispute incorrect items on your credit report. The company prides itself on working with integrity and using the law to help its clients. Indianapolis residents say they appreciated the personalized attention they received from the company’s employees. |
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InCreditable Advisors |
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InCreditable Advisors offers a free, 30-minute strategy session and has helped more than 30,000 Indianapolis residents. The company also provides credit and identity theft monitoring. Local reviews say the company has a high attention to detail and a strong focus on results. |
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