Having wrong information on your credit report can bring down your credit score and cause you to be rejected for car loans or home mortgages. Credit repair companies can help erase negative marks and raise your credit score. Our partners at ConsumerAffairs researched the best credit repair in Boise based on reputation and customer feedback.
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The U.S. has seen a gradual increase in credit scores since the 2008 financial crisis, and average scores are now at an all-time high of 675. As the average credit score in the U.S. is going up, so is the amount of money people are borrowing. Idaho residents have an average credit card debt of $5,817, slightly less than the national average of $6,354.
Having a lower credit score means you’re at a disadvantage when borrowing money from financial companies. Your credit limit might be restricted, and your loan and credit card interest rates will likely be considerably higher. It’s worth your time to clean up your credit reports, especially before making financial decisions that require a loan.
Any errors on your credit report can significantly lower your credit score. Legitimate credit repair companies check your credit reports to find information that could be disputed. If the dispute is successful, the company ensures the information doesn’t reappear after being removed. Here are examples of common errors credit repair companies encounter:
Accounts that aren’t yours
Legal actions that don’t pertain to you, such as bankruptcy
Misspellings and incorrect dates
Old debts that should be removed from the report
Pending debts that can’t be validated or verified
Choosing trustworthy credit repair in Boise
While credit repair companies can be helpful, the credit repair industry is crawling with scams. Finding a reliable and honest credit repair service will take research. It’s always best to check a company’s credentials and background.
Trustworthy companies should advise you on how to avoid further damage on any existing accounts and work with you to keep your credit score healthy moving forward. The companies should also give customers a three-day cancelation period and clear information on the cost of the service, which is a requirement of the Credit Repair Organizations Act. Although credit repair companies may charge you for the cost of accessing your credit reports, they should not demand advance payment for any services.
Credit Saint, a BBB accredited business, has been helping Boise credit holders improve their credit history for more a decade. Many customers in Boise appreciate the company’s employees’ transparency and honesty. All programs come with Credit Saint's 90-day, money-back guarantee.
Lexington Law is a credit repair service known for meeting goals. In 2017, Lexington Law helped remove 10 million negative items from credit reports. They offer free consultations and reviews of your credit score. Boise residents praise the results achieved by the company.
According to customers, The Credit People does what they claim to do, improving credit scores for their 100,000 customers. Clients can access their accounts anytime and are free to cancel with a refund thanks to the Unbeatable Satisfaction Guarantee. Customers appreciate this transparency and many were happy with the results.
Sky Blue Credit Repair has been a reputable company since 1989, cleaning up credit report errors to help improve their customers' overall credit scores. Customer reviews from Boise praise the user-friendly online experience that is straightforward and manageable.
Customers that sign up with The Credit Pros are given easy-to-read credit reports and personalized score insights. The company also provides careful credit monitoring to prevent identity theft. Customer reviews from Boise say the company’s coaching staff helped them raise and maintain their credit score.
The Help Program
The Help Program is a local Boise company that provides credit repair services, expense tracking, mortgage consultation, down payment savings plans and overall financial analysis. Many Boise customer reviews appreciate the friendliness and local knowledge of the staff.
Advanced Credit Solutions
Advanced Credit Solutions has been helping improve credit scores for more than 20 years. Many reviews from Boise say it’s a trustworthy company that’s open with customers and friendly to those who are new to credit repair. Their website gives a list of proven results for people they have helped in the past.
Many customers appreciate Continental Credit’s free online consultation. The company’s staff believes in being adaptable when finding ways to meet your needs and expectations. Boise residents say the company’s credit repair specialists are thorough with their explanations of what needs to be fixed on a credit report.
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.