1
AI-Driven Credit Repair
The Credit Pros logo

The Credit Pros
    • The Credit Pros has been in business for more than 10 years.
    • Provides one-on-one consultations with a Certified FICO® Professional, unlimited dispute letters, debt validation letters to creditors, goodwill letters to creditors and cease and desist letters to collection agencies.
    • 3 credit repair packages to choose from, with the lowest package priced at just $69/month plus a $119 sign-up fee.
    • All packages include 24/7 access to a client portal, as well as ID Cover Darkweb monitoring, TransUnion alerts, real-time account sync, bill reminder and a budgeting system.
    • A streamlined sign-up process only takes 90 seconds.
(888) 861-2884
Free Credit Consultation
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2
In Business Since 1989
Sky Blue Credit logo

Sky Blue Credit
    • Sky Blue has been in business since 1989, which says a lot about the company.
    • Condition-free 90-day refund policy
    • One tier service takes the guesswork out of choosing a package that is right for you.
    • Priced at just $79 per month, and $40/month for additional members, Sky Blue is an extremely affordable option for credit repair.
    • Every single feature is included in the $79/month package, including Pro Analysis, 35-day dispute cycle, customized dispute and re-dispute letters, score assistance, debt validation, goodwill letters, cease and desist letters, credit rebuilding, and access to phone support.
    • Ability to pause the membership for a month if needed
    • Includes a couple’s discount, with the total monthly cost for a couple at just $119/month.
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3
Almost 1.5 Million Credit Issues Removed
The Credit People logo

The Credit People
    • The Credit People has been in business for over 15 years and has had nearly 1.5 million credit issues removed for their customers.
    • Provides your credit reports and scores when you begin working with them.
    • Includes access to all 3 credit reports and scores
    • Provides a 24/7 online account access for easy credit management
    • Could help you with credit report issues such as late payments, collections, charge-offs, foreclosure, repossessions, bankruptcies, tax liens, judgements and more.
    • Provides a free credit evaluation so that you can see if The Credit People are a good fit for you.
    • Includes live customer service through phone, chat or email
    • Offers a satisfaction guarantee where you can cancel at any time and not be charged for that month, plus get a refund for the prior month’s payment.
    • Pricing is either $79/month or $419 for 6 months, with all of the features and services included.
(986) 204-7442
Free Credit Consultation
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4
24/7 Phone Support
Pyramid Credit Repair logo

Pyramid Credit Repair
    • Pyramid Credit Repair has 10+ years of experience in fixing credit.
    • Provides 24/7 phone support and dedicated account managers, making it easier to work with them and ask any questions
    • Includes a free credit repair evaluation
    • Individual start at a competitive $79/month, though the couple’s package is $299/month, making it significantly more expensive than what some of the other credit repair companies offer for couples.
    • Includes an online dashboard, monthly progress reports, creditor interventions, score analysis, custom dispute process, text and email alerts and more.
    • Offers a 90-day money back guarantee.
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5
BBB Accredited
Credit Saint logo

Credit Saint
    • Credit Saint has been in business for 15+ years and is a BBB accredited credit repair company
    • Includes a 90-day money back guarantee
    • Includes a free credit consultation
    • 3 credit repair packages to choose from: Credit Polish, Credit Remodel and Credit Premium, with prices ranging from $79.99/month to $119.99/month, plus an initial work fee.
    • All packages include a score tracker and a score analysis
    • All packages include an online dashboard with full analysis and progress reports.
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6
CreditRepair.com logo

CreditRepair.com
    • Has helped with over 7.5 million removals on behalf of their members since 2012.
    • Has sent more than 23 million disputes and challenges on behalf of their members.
    • Provides a free consultation where you learn your credit score, negative item summary and recommended credit solutions
    • Pricing starts at just $49.95, making CreditRepair.com one of the most affordable credit repair options.
    • Works with all 3 credit bureaus.
    • Provides ID Theft Insurance, FICO® score update, bureau challenges and disputes, creditor interventions, a personal online dashboard, score tracker and analysis, email and text alerts and more.
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7
Most Clients Served
Lexington Law logo

Lexington Law
    • Includes a free credit report consultation.
    • Has been helping people fix their credit since 2004.
    • Lexington Law has had an astonishing 77 million items removed from their customers’ credit reports.
    • While not all credit repair companies are lawyers, Lexington Law is a law firm.
    • Provides 3 levels of credit repair: Concord Standard, Concord Premier and Premier Plus.
    • According to their website, 77% of their clients who have had their credit scores improved saw an average increase of 40 points.
    • Provides a military and spouse discount.
    • Includes Fraud Alert and Identity Protection
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Are you an Iowa resident who is looking to make a purchase but have problems with your credit? If you have suffered a setback due to being laid off or if you simply got behind on your bills and destroyed your credit in the process, help is available.

Overview of the credit industry in Iowa

In Iowa, the cost of living is lower than it is in most other US states. Real estate is especially cheap, being around 24% lower than the national average. With this in mind, it’s no surprise that credit card debt is lower on average in Iowa than in any other US state. The average person has $4,246 in credit card debt, more than $100 less than the 2nd-lowest state and close to $1,000 lower than the national average!

In terms of credit scores, Iowa is also doing well at an average of 729. This is in comparison to the national average of 714 points. Despite the higher credit scores, there are still many people in Iowa who can benefit from credit repair. Averages only represent a mid-point between those with higher credit and those with lower credit. If you’re sitting in the lower end of that range, credit repair might be an option to help you improve your credit score by removing false information from your credit report.

Laws that effect credit repair in Iowa

In Iowa, there is a state law that gives extra guidance to credit repair companies looking to serve clients in the state. The Credit Services Organizations (IA Code 538A) law sets up some requirements for credit repair companies in Iowa. This includes:

  1. A surety bond with a minimum value of $10,000
  2. Registration as a credit service organization (CSO) with the Iowa Secretary of State
  3. Contract disclosures that need to be in every customer contract
  4. Provisions for customers to cancel contracts within 3 business days of signing, and to get a full refund if requested within 10 days of signing

The Credit Repair Organizations Act (CROA) is a federal law that also dictates how credit repair can be provided as a service to customers. This law impacts how contracts should be arranged, how credit repair can be advertised to customers, and what kind of service can actually be performed by a credit repair company in the US.

Do you need a lawyer to do credit repair in Iowa?

While credit repair is a service that’s sometimes offered by lawyers in Iowa, it’s not exclusive to law firms. Legally speaking, you can even do credit repair for yourself. This isn’t recommended, considering how long and complex that process can be if you don’t have experience doing it already. Working with a trustworthy credit repair company is going to make it easier for you to get the process done correctly without having to struggle through it yourself.

Credit repair process in Iowa

To do credit repair in Iowa, you need to follow this basic process:

Step 1: How to request your credit reports 

Getting your credit reports is the first step of the process. You can request these reports from each of the 3 major credit bureaus. Requests can be made online, with the credit reports either being presented to you for download for mailed to you upon request.

Step 2: Looking for inaccurate entries

Once you get ahold of the 3 reports, you need to look closely at each one to check for accuracy. Your credit reports should be holding up to 7 years of information about your payments to credit accounts, open accounts, and more. Look through everything that’s there and check if it’s meant to be there or not.

Step 3: Disputing entries on your credit report

If you do find entries on your credit report that don’t belong, you need to send in a dispute letter to every credit bureau that lists that entry. These letters will initiate the process to have the credit bureau investigate the legitimacy of a credit entry. Unfortunately, it can take a while before the process is finished.

Note: Despite the process only involving 3 steps, credit repair can take a long time from start to finish. Even if you initialize the process with all the right information, it can still take months of following up and communicating with the credit bureaus until they finally remove inaccurate entries from your credit report. That’s why it’s helpful to work with a credit repair company that will have more time to dedicate to the process.

What Is A Credit Score?

In order to work on repairing your credit, you first need to understand what it is and how it works. Your credit rating is a very important measure of your creditworthiness. Credit rating agencies use this to determine your ability to repay debts and the likelihood that you will default on a debt. People who have good scores are considered low risk and are often offered great terms and easily secure loans. Those with bad scores are often denied loans or given high rates when they are approved. Paying your bills on time and avoiding missed payments are the best way to build your credit profile.

Should I Consider Professional Credit Repair?

If you find that you are having real issues meeting your various financial obligations, debt settlement, credit consolidation, and credit repair should be taken under serious consideration. If you have been denied credit or if you are looking to make a large purchase and need to improve your credit before you are approved for a loan, credit repair is a good option. Maybe the amount of compound interest has surpassed the principal balance of your debts, or it could be that you are terrified that every time the phone rings it could be a collection agency, whatever the case, credit repair will help you get back your peace of mind and your financial stability.

Using Consolidation To Repair Your Credit

Of all credit repair options, consolidation is one of the most popular. This may seem like a complicated term, but it’s really quite simple. When you work with a certified credit repair agency in Iowa, they will help you to bundle various smaller payments into one bill. Sometimes this will be old debt that is clogging up your credit report or even active lines of credit that is close to being overdrawn. When you consolidate, not only do you cut down on the number of bills you have to pay, it also shortens the amount of time it will take to pay off your debts.

Managing Your Finances Post Repair

Once your credit has been repaired, it is important to take steps to maintain your solid financial standing. This means budgeting each month to ensure you don’t overspend and cutting back on impulse purchases. Reducing the number of open lines of credit you hold will also help you maintain a healthy credit score while also removing the temptation to overspend. If your problems stem from a failure to pay on time, consider setting up automatic payments for each account that you own. This not only will keep you from paying late, but it will also help you save money on late fees. The longer you maintain these habits, the better your credit score will be.

Your credit repair company can help you come up with a customized plan to keep your credit moving along the right track long after your past mistakes have been rectified. The last thing you want to do is end up right back in the same place a year later with bad credit, collections, and more on your credit report.

Common questions and answers:

How much can you improve your credit score in Iowa?

There’s no magic button to fix your credit, but credit repair is close! If you have inaccurate credit entries making your credit score lower than it should be, getting those entries removed have greatly improve your credit score. The more inaccurate entries there are, the more you’ll see your score go up. This process cannot be used to remove legitimate credit report entries.

How much does it cost to fix your credit in Iowa?

You need to pay for credit repair on a monthly basis for as long as the process takes. If you want to work with a reputable credit repair company, the cost will be between $79 and 199 per month on average. For some companies, you’ll be asked to pay a setup fee, which is a one-time fee that’s paid as the contract starts. From there, you’ll pay for the service every month until it’s completed or your cancel the contract.

How long does the credit repair process take in Iowa?

On average, the credit repair process takes between 3 – 6 months in Iowa. Despite the fact that credit bureaus need to respond to dispute letters within 30 days, the process to get a false entry removed takes much longer than 30 days to complete. A reliable credit repair company can help shorten the time the process goes on by following up regularly and responding promptly to information requests.

Are there any cities in Iowa where you cannot do credit repair?

Iowa allows credit repair to be done anywhere in the state, regardless if the company performing the service is local or not. Credit repair is not location-dependent. Whether you live in a large city like Des Moines, Cedar Rapids, or Davenport or a smaller city like Onawa or Alton, you can access credit repair from a company anywhere in the US that follows state and federal credit repair laws.

Get help with credit repair in Iowa:

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