More than 68 million Americans have a credit score lower than 601. Low credit scores make buying a car, renting a home and applying for loans more expensive and difficult, but credit repair companies can help. Credit repair companies do all the repairing for you, and with a good company, you can get back on track. Our partners at ConsumerAffairs researched the best credit repair companies in Kansas City based on results, customer service and discounts.
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Credit scores in Kansas and Missouri are consistent with the national average of 675, but scores in Kansas City tend to be below the average.
Kansas City, Kansas
Kansas City, Missouri
Average credit score
If you’re looking to capitalize on Kansas City’s booming housing market, but don’t have the right credit score to get low interest rates, getting help fixing your credit is an important first step to obtain a lower interest loan.
Having poor credit does not necessarily mean you need to seek professional help. Here are a few signs you need credit repair:
You carry a high amount of credit card debt that you’re having trouble paying off
You were denied a loan or credit card
You have no credit history or utilities in your name
You have late payments on your record
If one or more of these apply to your situation and you’re unhappy with your score, consider getting professional credit repair support. A credit repair company in Kansas City will fix errors on your credit report, improving your score. They will also negotiate with lenders to remove negative items from your history and look for credit loopholes that may help your score.
But not all credit repair companies can be trusted. Consumer credit counselors at Clearpoint, a national nonprofit that offers credit report counseling, say the easiest way to tell if a company is a scam is to look at its advertising. According to Clearpoint, a legitimate company should:
Include costs upfront
Provide a detailed description of what services they perform and how long they will take
Credit Saint promises to remove negative items from your report within 90 days or your money back. You receive a personal advisor that is dedicated to your case, so you can talk to the same person every time you call. Reviewers in Kansas City say that Credit Saint’s personalized customer service is what sets it apart from other companies. Note: Credit Saint does not service Kansas.
As a consumer advocacy law firm, Lexington Law is dedicated to giving you results based in facts. Though Lexington Law is the largest credit repair company in the U.S., you can receive in-person support by visiting the office in Overland Park. Friends and family receive a one-time 50% discount when they sign up together.
At The Credit People, customers can access their account 24/7 and can cancel anytime with the Unbeatable Satisfaction Guarantee. Customers appreciate the informative customer service provided by certified and trained representatives.
Customers of CreditRepair.com watch their scores rise an average of 40 points within four months. Credit repair experts create a customized plan for each client ensuring fast and effective results. The personalized online dashboard and tracker makes accessing your information simple. Note: CreditRepair.com does not service Kansas.
Sky Blue Credit has a 90-day, condition-free guarantee that promises a full refund if its experts don’t deliver results. Because their experts don’t work on commission, you can trust that you’re receiving honest answers and expectations. Couples may be eligible for discounts.
The Credit Pros offers in-house licensed attorneys and 24/7 access to a case manager. While the plans are typically more expensive, pricing is transparent and packages are customizable. Like others, The Credit Pros offers a 90-day money-back guarantee. Note: The Credit Pros does not service Kansas.
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.