Alabama Credit Repair
Ready to fix your credit in Alabama? These credit repair companies can make it happen and lead you to a better financial future. Read on for the details.
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The top credit repair companies in Alabama are:
- Lexington Law: Best Overall
- Credit Saint: Best for Money-back Guarantee
- Sky Blue Credit: Best for Couples Pricing
- The Credit Pros: Best for Credit Building
- The Credit People: Best for Flat-Rate Plan
Excellent credit opens the door to incredible financial opportunities—think low-interest loans, reduced insurance premiums, and the best credit cards Alabama has to offer.
But what if your credit needs a little help? You're not alone.
The Heart of Dixie is home to reputable credit repair companies ready to help you turn things around. Start your journey to better credit today!
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
5 Best Alabama Credit Repair Companies
Here are the best companies offering credit repair in Alabama. Read on for their services and why they could be worth it.
Lexington Law: Best Overall
Lexington Law is one the best credit repair services in the state. It's a law firm with over two decades of experience, specializing in credit repair.
You get a team of legal professionals who are knowledgeable on consumer credit laws in the U.S. to help repair your credit. The company has already helped over 10.5 million clients since it started in 2004.[1]
Why We Like It:
If you sign up with Lexington Law, you can get Focus Tracks at no extra cost. Focus Tracks address life events that impact your credit like student loans.
For instance, say you're thousands of dollars in student debt, dedicating a large portion of your income to repayments. You can't afford misreported transactions and errors impacting your credit.
With the Student Loan Focus Track, Lexington Law will correspond with your lenders to ensure accurate reporting and verification of key details. This way, your rights are protected, avoiding errors dragging your credit.
Pricing & Fees:
Lexington Law offers only one premium credit repair package at $139.95/month.[2] You get the following:
- Skilled lawyers and paralegals working on your case
- Challenges to Equifax, Experian, and TransUnion
- Monthly TransUnion FICO score
- $1 million identity theft insurance
- Personalized strategies to improve your credit score
The first payment is charged 5-15 days after you enroll, but Lexington Law doesn’t specify the exact amount. Then after a month, you'll be charged the monthly fee.
Pros & Cons:
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Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Credit Saint: Best Money-back Guarantee
Having helped over 200,000 clients improve their credit, Credit Saint is widely recognized as one of the top credit repair companies in the country.
Established in 2004, it has built a strong reputation in the industry and provides a 90-day money-back guarantee as a safeguard for its clients.
Credit Saint is known for its aggressive approach to credit repair, offering service packages tailored to different client needs.
Why We Like It:
Credit Saint stands out with its 90-day money-back guarantee, which means you can request a refund if no questionable items have been taken out of your credit reports within 90 days.
Although other credit repair companies offer guarantees too, Credit Saint has significantly more testimonies discussing these refunds.
If you happen to get disapproved for a refund, you will receive a proper explanation thanks to their reliable customer support.
Additionally, Credit Saint provides thorough and transparent guidelines, so you'll know what you need to know right off the bat.
Pricing & Fees:
Credit Saint offers three packages with the following features:[3]
| CLEAN SLATE | CREDIT REMODEL | CREDIT POLISH | |
|---|---|---|---|
| Aggressiveness | Very High | High | Medium |
| Price (monthly) | $139.99 | $109.99 | $79.99 |
| Initial working fee/first work fee | $195.00 | $99.00 | $99.00 |
| Challenges to the 3 credit bureaus | Unlimited disputes | ✔ | ✔ |
| Creditor intervention letters | ✔ | ✔ | ✔ |
| Score tracker and analysis | ✔ | ✔ | ✔ |
| Inquiry targeting | ✔ | ✔ | — |
| Personalized guide to credit building | ✔ | ✔ | — |
Pros & Cons:
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Sky Blue Credit: Best for Couples Pricing
Sky Blue Credit is one of the leaders in the industry, with a long track record that starts from 1989.[4]
It offers couples discounts in all its plans. Plus, all services are covered with a satisfaction guarantee.
Why We Like It:
Due to Sky Blue Credit's couples pricing, credit repair can be more affordable. You can save a significant amount in the long run if you sign up with another person.
What's more, Sky Blue Credit provides a no-strings-attached, 90-day satisfaction guarantee. You can request a full refund within the first 90 days of the service if you're not satisfied with the results (or the lack of it).
Lastly, if you're about to buy your first house or you're looking for refinancing options, take advantage of Mortgage Preparation. Sky Blue Credit will optimize your credit reports and guide you on this major financial purchase.
Pricing & Fees:
Sky Blue Credit offers the following features for each package:[5]
| PREMIUM | FULL SERVICE | BASIC SERVICE | |
|---|---|---|---|
| Price (monthly) | Individual: $119.00 Couples: $179.00 | Individual: $99.00 Couples: $149.00 | Individual: $79.00 Couples: $119.00 |
| Initial working fee/first work fee | Same as monthly price | ||
| 3-bureau credit reports and scores | ✔ | ✔ | ✔ |
| Credit bureau disputes | ✔ | ✔ | ✔ |
| Score tracker | ✔ | ✔ | ✔ |
| Credit updates | Every 45 days | Every 45 days | Every 60 days |
| Creditor interventions | ✔ | ✔ | — |
| Credit builder tool | ✔ | ✔ | — |
| Monthly inquiry disputes | ✔ | — | — |
| Debt validation letters | ✔ | — | — |
| Cease and desist letters | ✔ | — | — |
| Personal Information Correction letters | ✔ | — | — |
Pros & Cons:
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Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
The Credit Pros: Best for Credit Building
If you're considering rebuilding while repairing your credit at the same time, The Credit Pros is the option to go for.
It has been around since 2009, helping more than 1 million clients improve their credit reports.[6]
Why We Like It:
In the Repair + Build Credit plan, The Credit Pros features a $5,000 tradeline from NationalCreditDirect.com. You can start building a better payment history as you shop around the website and pay off your monthly balances on time.
What's more, in selected plans, The Credit Pros reports your monthly payments to the credit bureaus. This means you get to add more on-time payments and build your credit over time.
All plans include credit monitoring features so you can keep track of your sensitive information and prevent potential identity theft or fraud. You won't need to spend extra money on a separate service.
Pricing & Fees:
Here's what else you can get from them:[7]
| REPAIR + BUILD CREDIT | REPAIR CREDIT | BUILD CREDIT | |
|---|---|---|---|
| Price (monthly) | $149.00 | $129.00 | $69.00 |
| First work fee | $149.00 | $129.00 | $119.00 |
| Unlimited disputes to the credit bureaus | ✔ | ✔ | — |
| Creditor interventions | ✔ | ✔ | — |
| Cease and Desist letters | ✔ | ✔ | — |
| Positive payment reporting | ✔ | — | ✔ |
| Credit Building Tradeline | ✔ | — | — |
| ID Cover Darkweb Monitoring | ✔ | ✔ | ✔ |
| TransUnion fraud alerts | ✔ | ✔ | ✔ |
| Debt Payoff & Budgeting System | ✔ | ✔ | ✔ |
Pros & Cons:
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Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
The Credit People: Best for Flat-Rate Plan
Since 2001, The Credit People has helped over 100,000 clients improve their credit, removing almost 1.5 million errors along the way.[8][9]
It's a good option for those with many inaccuracies in their credit reports and expect credit repair to last for a couple of months.
Why We Like It:
The Credit People stands out for offering a flat-rate plan at $599 for six months of service. You get premium features for a much lower price per month compared to the regular premium package.
Your payments are also protected by a satisfaction guarantee, which covers the entire duration of the flat-rate plan. This can give you some peace of mind regarding your payment.
Best of all, getting started is affordable. For just $19, you can kick off your service, with the fee of your chosen plan applied only after seven days.
Pricing & Fees:
You can choose between a flat-rate package and two regular monthly packages:[10]
| PREMIUM FLAT RATE | PREMIUM | STANDARD | |
|---|---|---|---|
| Price | $599 for 6 months | $119/month | $99/month |
| Setup fee | $19 | ||
| Challenges to the 3 credit bureaus | ✔ | ✔ | ✔ |
| Unlimited challenges | ✔ | ✔ | ✔ |
| Before & After credit scores | ✔ | ✔ | ✔ |
| Monthly credit scores | ✔ | ✔ | — |
| Creditor interventions | ✔ | ✔ | — |
| Escalated disputes & validations | ✔ | ✔ | — |
Pros & Cons:
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What is Credit Repair?
Credit repair involves improving your credit by disputing inaccurate items on your credit reports. Many credit repair companies can help you with this process.
These companies will review your credit reports for errors and challenge credit bureaus on your behalf.
That said, you can repair your credit on your own, too. It's your right to request recent credit reports and dispute the credit bureaus for any mistake that negatively affects your credit.
Credit repair companies can be effective in removing errors on your credit reports if they win the disputes. Each error can reduce your score by up to 100 points. Hence, their removal can lift the weight off of your score.
To achieve the best results, work with reputable companies that have a proven track record of successful disputes and effective credit repair strategies.
Credit Repair Process in Alabama
Alabama credit repair companies review your credit reports and send dispute letters to credit bureaus to correct any errors.
Here's how it works:
- Sign up for a free consultation
Start by scheduling an initial online consultation or signing up for a credit assessment from a company. It's usually free! - Professionals review your credit reports
Credit repair companies pull your credit reports to look for errors like inaccurate entries or items that don't belong to you. - Professionals send dispute letters for you
After reviewing your credit reports, the company will write and send the dispute letters to Equifax, Experian, and TransUnion. - Wait for the results
Upon receiving your letter, credit bureaus have 30–45 days to investigate. Then, they have an extra five business days to let you know of the results.
Credit repair companies work on a re-dispute basis. You may request a second dispute letter if the first one didn't remove the inaccurate items.
You can also add more evidence to support your claim. But you'll need to allocate another 30–50 days for the results.
Yes, credit repair can remove charge-offs if they contain errors, have stayed on your credit reports for over seven years, or don't belong to you. Sign up with a trusted credit repair company to help you out. Or try to dispute the errors yourself.
Alabama Credit Repair State Law
Currently, Alabama has no state-specific laws for credit repair. But it follows the provisions outlined in the Credit Repair Organizations Act and Telemarketing Sales Rule.
That said, credit repair companies in Alabama should:
- Provide you with a written contract, which includes your cancellation rights
- Never demand for any form of upfront payment
- Avoid misrepresenting their service
- Abstain from using threats, obscene and intimidating language
- Not call your residence within the calling time restriction (08:00 AM to 09:00 PM, local time)
Unlike most states in the U.S., Alabama doesn't impose any registration or require a surety bond before credit repair companies can offer their services.
Yes, credit repair is legal in Alabama. Reputable credit repair companies can analyze your credit reports and dispute the credit bureaus to remove inaccuracies affecting your credit.
Is Alabama Credit Repair Worth It?
Alabama credit repair companies are worth trying out if you need to dispute a lot of inaccuracies on your credit reports.
These companies have built the legal knowledge and effective strategies that can increase the chances of successful disputes. This, in turn, can boost your confidence in achieving better results.
That said, these services come at a cost—and they're not cheap. Prepare to spend up to $195 for setup fees, with monthly fees starting at $65. If you only have a few inaccurate items, it may be more reasonable to do a DIY.
Utilize the calculator in the next section to estimate potential costs of credit repair and see if it's worth the price.
Credit repair timelines vary. It can take 3 to 6 months for some, while others may need years to achieve excellent credit. To maximize your efforts, you can use credit builders, settle debts on time, and develop stronger financial habits.
Credit Repair Cost Calculator
To know how much your potential credit repair fees will be, follow the steps below.
- Input the first work fee (setup fee) of your chosen company.
- Input the monthly fee of your chosen package.
- Input the number of months you think you may need credit repair services.
- Click Calculate.
Can I repair my own credit score?
Yes, you can repair your own credit score. To start, get your credit reports from AnnualCreditReport.com and check for errors.
When you find them, you can then write the dispute letters to the credit bureaus. For each letter, you'll need to wait for 30–50 days to get the results of the investigations.
That said, in addition to sending dispute letters, you can improve your overall financial wellness by managing your money, reviewing your budget, and, if appropriate, signing up for new credit cards and using them responsibly to improve your credit utilization ratio.
How to Choose an Alabama Credit Repair Company
Choosing the right company is a make-or-break situation. You need to consider many things before parting ways with your hard-earned money to sign up for a credible service.
Here are some things to look for in a credit repair company:
- History and experience
Look for companies that have a proven track record. That way, it'll be easier to get the latest news and updates regarding the company's performance, legal compliance, and accreditations. - Testimonials and reviews
Online platforms like BBB, Google Reviews, and Trustpilot are your best friends. Search for comments, reviews, and ratings to gauge and assess the company you're eyeing. - Guarantee and refund policies
Not all companies offer a guarantee and refund policy. If you want the extra safety net for your payments, go for companies with money-back guarantee or satisfaction guarantee. - Website and online presence
Most things are online now. Search for the company's website, social media accounts, and verified profiles online. This way, you'll see the basic information and send inquiries before you decide to sign up for their service.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
Our Methodology
We chose credit repair companies with more than 10 years of experience and continue to provide services to consumers. These companies have a track record for removing millions of items and helping thousands of clients in their years in the industry.
We also looked at the pricing structure and potential costs when you sign up, such as:
- First work fees
- Service fees
- Other charges
- Promos and discounts
All companies on the list have extensive websites with a large library of news, articles, and resources. Some even feature online tools to help you with your finances.
Lastly, we considered companies that have a significant number of reviews from clients and prospects. We browsed platforms like BBB, Trustpilot, and Google Reviews, and looked for social media profiles of these credit repair companies.
Bottom Line
Take charge of your credit today by disputing errors on your own and building strong financial habits. As you make progress, consider working with reputable credit repair companies for assistance with more complex disputes.
Achieving excellent credit can unlock financial freedom, help you secure the best deals, and open the door to new opportunities in Alabama.
Remember, it's never too late to repair your credit and transform your financial future!
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
References
- ^ Lexington Law. FAQ: Does your service really work?, Retrieved 11/29/2024
- ^ Lexington Law. How much does Lexington Law cost?, Retrieved 10/08/2024
- ^ Credit Saint. Packages, Retrieved 10/08/2024
- ^ Sky Blue Credit. Sky Blue Credit - Home Page, Retrieved 11/29/2024
- ^ Sky Blue Credit. Member pricing, Retrieved 10/08/2024
- ^ The Credit Pros. About Us, Retrieved 11/29/2024
- ^ The Credit Pros. How Much Does Credit Repair Cost, Retrieved 10/09/2024
- ^ The Credit People. The Credit People In A Nutshell, Retrieved 11/29/2024
- ^ The Credit People. The Credit People - Home Page, Retrieved 11/29/2024
- ^ The Credit People. Plans & Pricing, Retrieved 09/16/2024
- ^ The Credit People. FAQ: Is there a discount for couples?, Retrieved 11/01/2024
Alex Mambaje is a research analyst at CreditDonkey, a credit card comparison and reviews website. Write to Alex Mambaje at mambaje@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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