Get your credit back on track with credit repair services from experienced, accredited professionals. Our partners at We researched the best credit repair in Lexington to find you the expert help you need raising your credit score.
The average credit score for a Kentucky resident is 680, making it the 34th highest state in the U.S. Lexington residents with scores in this range or lower see significant benefits from professional credit repair.
Many consumers in Lexington have errors or negative marks on their credit report. Some reports may even have fraudulent activity as a result of identity theft. An accredited, reputable credit repair company stops debt collectors and helps you remove credit reporting errors to increase your credit score.
An improved credit score helps you in a variety of ways, including:
Lower interest rates
Easier loan qualification
Better credit checks for renting or employment
Better car insurance rates
Reduced security deposits
Types of credit repair services
Credit repair companies in Lexington cannot remove any items on your credit report that are accurate and factual. However, accredited credit repair companies work to remove any questionable items and negotiate with creditors on the remaining issues. Most credit consultants try either:
Negotiation: Leveraging their experience working with creditors, a credit repair company negotiates to remove collections, late payments or other negative items from your credit report.
Disputes: If the credit repair company evaluates your report and finds that some items are inaccurate or fraudulent, they dispute them with the credit bureaus. The creditor then has to prove that the information is correct. If they’re unable to or simply don’t answer the call for proof, the item is removed from your report.
It takes credit repair companies in Lexington between three and six months to resolve everything on your credit report.
To sign up for a credit repair service, contact a provider in Lexington for an initial consultation. This step is usually free and confidential, allowing the credit specialist to compose a strategy for repairing your credit. Eventually, you’ll likely sign a limited power of attorney to allow them to send letters and negotiate on your behalf.
How much does credit repair cost?
Credit repair companies in Lexington might use any number of payment models to charge for their services. Some charge a monthly fee costing anywhere from $60 to $130, while others charge a flat fee as high as $750. Some may even charge based on how many negative marks they remove from your account, with prices averaging $10 to $50 per deletion.
In addition to these costs, there is usually a small setup or enrollment fee of less than $200 as well.
How to avoid credit repair scams
Unfortunately, there are scams that prey on people looking for credit help, so keep an eye out for some of the warning signs of a scam. Credit repair companies that require a steep upfront payment or make promises that are too good to be true may be trying to scam you.
Be wary of businesses that propose unscrupulous practices, such as disputing accurate credit items or advising you to get a new social security number. If you feel you may have been the target of a scam, file a consumer complaint with the Kentucky Attorney General.
Your credit repair company in Lexington will assign you a personal case manager or a team of credit representatives. It’s critical to feel that these staff members have your best interest in mind. A reputable credit repair company also provides you with copies for your rights as a consumer, as well as a copy of any contract they ask you to sign.
Credit Saint has helped thousands of customers remove errors from their credit reports and raise their credit scores. Its personal advisory teams guide the credit restoration process while offering expert advice and customer service. Clients reported good results with Credit Saint, and those who are unsatisfied can take advantage of the company's 90-day, money-back guarantee.
Based in Utah, Lexington Law has represented over 500,000 clients as they attempt to improve their credit score. Its skilled team of lawyers and paralegals provide expert credit repair services to Lexington residents. Reviews are mixed, but the firm actively works to resolve complaints.
The Credit People has over 15 years of experience improving credit scores and providing professional advice. Choose from monthly or flat rate pricing complete with a satisfaction guarantee. Customers frequently mention The Credit People's competitive pricing, quality customer service and improvements to their credit scores.
CreditRepair.com offers a service plan for every budget to help consumers in Kentucky improve their credit standing. It offers free consultations, a convenient account dashboard and a personalized game plan to get your credit back on track. Most customers are satisfied with the company’s customer support and the results on their credit report.
Sky Blue provides credit education, professional advice and credit rebuilding services in Lexington. They also offer transparent pricing and a user-friendly experience with accounts that are convenient to manage online. You can even use your customer portal to cancel or pause your membership at any time. Reviewers frequently mention Sky Blue’s ethical and knowledgeable customer service.
The Credit Pros is a fast-growing company with teams of credit advisors and customer support staff ready to assist you in rebuilding your credit. The company is transparent with its pricing and offers multiple membership levels for custom credit support. The firm has glowing reviews online, and it quickly resolves any complaints from former customers.