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

Do you have bill collectors calling your phone at all hours of the night? Perhaps you are trying to qualify for a home loan but keep getting turned down no matter what lender you try? If so, chances are your credit score is the problem. No one likes to owe companies money, but if you don’t manage your finances properly not only will you be in debt, your credit score will decline. There are a few methods you can use to get back on track, one of the most effective however is working with a credit repair company in Maine that can help you restore your credit in a few simple steps.

Overview of the credit industry in Maine

Maine is one of the more expensive US states. The cost of living in Maine is higher than most US states, sitting above the national average. Although it’s more expensive to live there, credit card debt in the state is lower than average in the country, with the average person having $4,995 in credit card debt, around $200 less than the US average.

Perhaps because of the higher real estate prices, credit scores in Maine are higher than the national average. The average credit score in the state is 727, 13 points ahead of the national average of 714.

Laws that effect credit repair in Maine

State laws in Maine can affect how credit repair companies can work in the state. The law that impacts these companies is the Maine Consumer Credit Code (ME Rev State 9-A 10-101). This law requires that credit repair companies:

  1. Maintain a $25,000 or higher surety bond for as long as they offer credit repair as a service
  2. Include specific disclosures in all contracts for customers

In the US, there is a federal law that also deals with any company offering credit repair. The Credit Repair Organizations Act (CROA) impacts how these companies can advertise their services, how they should prepare contracts for customers, and how they can charge for credit repair services.

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

Despite what you may have read from law firms in Maine, you don’t have to hire a lawyer to do credit repair for you. You can work with any company you choose, as long as they’re following the state and federal regulations placed on credit repair companies in Maine. Choose to work with a company you feel comfortable with that has a good reputation for helping people fix their inaccurate credit reports.

Credit repair process in Maine

Negative entries on your credit report are what cause your score to go down. In order to fix your credit, you will need to address the negative items and then work on rebuilding your score. A credit repair company will start by filing a dispute for any inaccurate, old items, or do not belong to you. If they are unable to be validated by the companies who placed them on your credit report, they will be removed automatically.

It is important to keep in mind that legitimate credit repair takes time. The Fair Credit Reporting Act states that inaccurate entries must be confirmed or removed within 45 days, which will be the earliest you will see changes to your report. Generally, you will start to see improvements as early as three months, but it can also take as long as a year depending on your specific circumstances.

In Maine, the credit repair service roughly follows these 3 steps:

Step 1: Make a credit report request

To know whether or not you need credit repair service, the first step is to understand your credit history. For this, you need to get your credit reports. There are 3 major credit bureaus operating in the US, each of which maintains their own credit report for you. Businesses in Maine are not required to report credit events to all 3 bureaus, so some credit reports may contain different information than others. This is why you need to make a request for all 3 credit reports instead of just 1.

Step 2: Examining individual entries  

Comb through your credit reports and look for inaccurate entries. Errors are common on credit reports, whether they’re intentionally fraudulent or just accidents. No matter the intention behind the mistakes, they can have a devastating impact on your credit score. If you find any inaccurate entries on your credit report, you’ll continue to step 3. If there are no inaccurate entries, you don’t need credit repair.

Step 3: Sending off dispute letters

Inaccurate entries on your credit report need to be taken seriously. For each inaccurate entry you find, you need to send in a separate dispute letter to have it addressed by the credit bureau that reported the entry. These letters must contain specific information and evidence about the inaccuracy of the entry in order to be taken seriously. From here, you’ll be following up with the credit bureau until they resolve the issue.

Note: No matter how simple this process sounds, it’s tedious and difficult to get through on your own. While you technically have the option of doing credit repair on your own, there’s a lot you may not know going in that could speed up the process and improve your chances of success. It’s usually better to work with a reputable company in Maine to get it done in the shortest time.

What Is Credit Repair?

Credit repair is basically looking at your credit report and taking steps to remove inaccuracies, negative marks, and old accounts that should no longer be listed. This is meant to help get rid of entries that cause credit scores to go down. Most credit repair services will also help consumers to rebuild their credit depending on their individual goals and circumstances. Instead of spending your valuable time chasing creditors and following up on report removals, a credit repair agency will do this on your behalf.

Other Credit Repair Services

Getting rid of double listings and inaccuracies is only one step on the path of repairing your credit. Sometimes companies may validate the debt later down the line which will cause it to be reinstated on your credit report. A credit repair service will monitor your report and also look for notifications from the credit reporting agencies regarding changes such as this. Also, if you are being hounded by debt collectors, a cease-and-desist letter from your credit repair agency will give you the peace and quiet you need to get your finances back on track. Many credit repair services in Maine will be able to negotiate a settlement with collections agencies and get the derogatory marks removed from your credit report. If consolidation is the best option for your situation, they will also work with your creditors to come to a beneficial agreement for all, and one that will raise your credit score too.

Common questions and answers:

How much can you improve your credit score in Maine?

The amount your credit score can be impacted by credit repair depends on what’s on your credit reports. If your credit reports are fully accurate and contain no mistakes, there’s nothing credit repair can do to improve them. However, if there are any mistakes or false entries on your credit report, credit repair in Maine can improve your credit score by a lot. Considering the weight that your payment history has on your credit score, it’s a worthwhile undertaking to clean up your credit report when possible.

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

Credit repair in Maine is usually charged at a set monthly rate. Companies or individuals offering the service charge anywhere between $99 - $149 on average per month, but the normal range is around $119 every month until the service is completed. Since there’s no set timeline for credit repair, it’s charged monthly to account for the work that goes into following up with each credit bureau regularly and keeping your request top of mind.

How long does the credit repair process take in Maine?

Credit repair often takes between 3 – 6 months in Maine from start to finish. This is a standard timeline based on the amount of follow ups that usually have to happen once you submit dispute letters with credit bureaus. Although they have to respond to legitimate dispute letters within 30 days, that doesn’t guarantee that the process will be finished quickly. There are often delays that can stretch it out for months.

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

From Portland and Lewiston to Clinton and Cornish, residents of every city in Maine can get credit repair service. This is not a location-specific service. It’s open to everyone, as long as the companies or individuals providing the service of adhering to regulations set by state and federal law.

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