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.
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.
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.
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.
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.
CreditRepair.com logo


    • 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.
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

Your credit is a big part of who you are. It is a record of where you have been, purchases you have made, and a visual tabulation of your ability to manage money. Your credit score is used to determine if you will be extended financing for a variety of things such as when you want to buy a new home or car. If you have bad credit however, everything becomes much hard and also more expensive. If you have bad credit and are interested in turning things around, a credit repair service in Kentucky may be just the help you need.

Overview of the credit industry in Kentucky

Kentucky is a very affordable state to live in. It has a lower cost of living than most of the US. Naturally, this is reflected in the amount of debt the average person in the state has. In Kentucky, the average credit card debt per person is $4,715.

Unfortunately, credit scores in Kentucky are lower than average. The average credit score in the state is 702, 12 points below the national average of 714. These averages are good enough to get decent conditions for a loan or credit card, but there’s still a lot of room for improvement. If your credit score is getting dragged down by inaccurate information that’s been applied to your credit report accidentally, credit repair can help you get rid of these false entries.

Laws that effect credit repair in Kentucky

There are no laws in Kentucky that directly impact credit repair companies in the state. Some state laws may affect all businesses that operate in the state, but no laws exist that deal with credit repair as an industry.

There is a federal law that impacts all credit repair companies in the US. It’s known as the Credit Repair Organizations Act (CROA). Under this law, any companies offering credit repair services in the US need to follow specific guidelines. These include regulations about how contracts can be set up for each customer, what services are allowed to be offered for payment, how payment can be charged, and more.

What Is Credit Repair?

Credit repair may seem like a complicated process, and while it is difficult, it is also easy to understand. Credit repair is basically the act of having negative entries on the credit report removed. This is done by challenging inaccurate and old items entered on the report and also working with collections agents to bring accounts into good standing and remove the late notations on the report. Most companies will also pair credit rebuilding services into their credit repair packages. Though you can do this all on your own, Kentucky credit repair companies can get it done quicker and with fewer hassles.

What Can Credit Repair Fix?

Credit repair can get rid of things on your credit report that are dragging your score down. Items that don’t belong to you, old collections that are no longer valid, and negative entries that are a result of fraud are just a few things that can be fixed with credit repair. Items that can no longer be validated and discharged bankruptcies can also be taken off of your report through credit repair efforts. Depending on the type of credit repair service you hire, you may be able to get rid of late fees, missed payments and collections through consolidation. Not only will this get rid of negative marks on your credit, it will also help boost your score as you make on-time payments.

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

Credit repair is a service that can be offered by anyone, not just lawyers or law firms. In Kentucky, you don’t have to hire a lawyer for credit repair because there are no legal requirements for who can do it for you. Instead of looking for a law firm, check on a company’s reputation and experience with doing credit repair for others in the state. Legally speaking, you can also opt to do credit repair for yourself. The problem is that without having experience doing it, you’re going to have difficulty drafting appropriate dispute letters and following up with credit bureaus on your own. It’s better to rely on the expertise of a reliable credit repair company instead.

Credit repair process in Kentucky

Kentucky has a straightforward credit repair process. It goes like this:

Step 1: Making a request for your credit reports  

Everyone has 3 credit reports. These come from the 3 main credit bureaus that operate in the US. Each bureau keeps track of credit-related activities that are reported about you by businesses you interact with. You’re entitled to a free credit report from each bureau once every 12 months, which you can request online or by mail.

Step 2: Analyzing your credit reports

Take a close look at the 3 different credit reports. Check if everything is in order. If there are inaccuracies in your credit report, it can have a huge negative impact on your credit score. Make sure you check any negative entries especially, but also check any neutral or positive transactions that could be inaccurate since these can all impact your credit.

Step 3: Drafting and sending dispute letters

If you find any inaccurate information in your credit reports, you need to draft a dispute letter to send to the credit bureau. This letter will request an investigation into an entry on your credit report that you know to be incorrect. Dispute letters should be written to all the credit bureaus that include the inaccurate entry on their credit reports.

Note: While the process only involves 3 main steps, it’s more complicated than it seems. You can attempt it yourself, but you may not be successful if you try it yourself since you need to send in specific information and evidence in your dispute letters to each credit bureau. It’s better to work with an experienced credit repair company who can get the job done with a lot less hassle.

Additional Strategies Used To Repair Credit

Once a correction has been made to your report, the Credit bureaus will send you a notice. Credit repair agencies will monitor your report to see if any deleted items are reinserted. Sometimes a creditor will prove the validity of a debt later down the road which is what causes it to be reinserted on your credit report. If collections agents or companies are harassing you, a credit repair service has the ability to make them stop by issuing a cease-and-desist letters. Consolidation of medical or credit card debt are also common ways credit repair companies work to fix your credit. They are able to work to have charge-offs and collections entries taken off your credit report as well.

Common questions and answers:

How much can you improve your credit score in Kentucky?

Credit scores that are based on 100% accurate credit reports cannot be improved by credit repair. However, if you have inaccurate entries on your credit report, your credit score could be improved significantly by having these removed. Credit repair is important because it allows your credit score to be based on your own merit, with no false entries affecting your score.

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

Credit repair in Kentucky ranges from $79 - $199 per month, but the average is closer to $89 - $129 per month. Instead of paying a flat rate, credit repair companies charge per month because of the variation in how long the process can take. Most companies will charge an upfront setup fee as well, but the monthly fee is a normal practice that goes on until your credit repair is complete.

How long does the credit repair process take in Kentucky?

For most people in Kentucky, credit repair can be finished in between 3 – 6 months. Unfortunately, the process can take months because of delays in getting the credit bureaus to act on inaccurate information you find. While they must respond to legitimate credit entry disputes within 30 days, your credit report will rarely be fixed within that time.

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

There’s nowhere in Kentucky where credit repair is restricted. You can get just as good of credit repair service in Ironville, Wickliffe, or Magnolia as you can in Louisville, Lexington, or Bowling Green. As long as the credit repair company you want to work with follows state and federal regulations, you can work with any company you please from within the state or elsewhere.

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