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

Are you suffering from bad credit? Do you get turned down for credit at every turn? If so, professional credit counseling may be the answer you are looking for. Credit repair is not as easy as you may think, but with time and dedication, it is possible to turn your score around and work towards financial health at the same time. A Minnesota credit repair company will be able to help you get rid of negative marks and depending on your needs, rebuild your credit as well.

Overview of the credit industry in Minnesota

Cost of living in Minnesota is on par with the national average in the US. Most basic necessities are averagely priced, while housing is lower than the national average. Because of this, it's not surprising that Minnesota ranks low on the list of credit card debt average by state. In Minnesota, the average person has credit card debt of $4,769, more than $400 less than the national average of $5,193 per person.

Minnesota has some of the highest individual credit scores on average of any US state. The average person has a credit score of 742, far above the national average of 714. If you fit into the category of people with a lower-than-average credit score, credit repair may be a way for you to fix your credit score quickly and remove any damage done by inaccurate records in your credit report.

Laws that effect credit repair in Minnesota

In Minnesota, there is a specific law that applies to credit repair companies. This is Minnesota State Laws MSA 332.52. The main impacts of this law include:

  1. Requiring all credit repair companies to have a surety bond of no less than $10,000
  2. Requiring registration as a credit service organization (CSO) with the Minnesota Department of Commerce
  3. Requiring contracts between credit repair companies and their customers to include specific disclosures, as well as allowing a full refund within 10 days of signing or cancellation with 5 business days.

Throughout the US, the federal Credit Repair Organizations Act (CROA) dictates how credit repair service can be advertised to customers, what service is allowed to be provided for a charge, and how contracts should be laid out, among other things.

What Is Credit Repair?

Credit repair sounds like something you would do to your car, but only it involves your credit score instead. A credit repair service will dispute items on your credit report that are inaccurate or that do not belong to you. Accounts that should have fallen offer and also other negative marks will also be targeted. Credit repair companies are able to help repair credit much quicker than a person repairing it alone would be able to accomplish. Usually, rebuilding a person’s credit score will follow the credit repair service to help restore the report to a healthy state.

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

There's no reason to work with a lawyer or a law firm to do credit repair in Minnesota. A lot of companies offer credit repair as a service to Minnesota residents, including many law firms. However, there is no requirement for credit repair to be done by a lawyer or a law professional of any kind. Instead of looking for a lawyer to do the job, it's better to work with a company you feel comfortable with, whether that's a law firm or not.

Credit repair process in Minnesota

There are three main steps to the credit repair process in Minnesota which would go as follows:

Step 1: Requesting all 3 credit reports

in the US, there are 3 main credit bureaus that track all of the credit-related activities you do. These 3 credit bureaus maintain their own records, which are called your credit reports. Because each business you interact with might send their information to different credit bureaus, it's important to request a credit report from all three of the major bureaus. All credit bureaus must provide a free credit report every 12 months to everyone that requests it, which you can do online or via mail.

Step 2: Studying entries on your credit reports

With these three credit reports in hand, set aside some time to study the entries within each and confirm that all of the information is accurate. Unfortunately, mistakes happen regularly in credit reports. These are not usually malicious mistakes, but can include inaccurate information as well as fraudulent entries. Look through all reports closely and mark anything that looks out of the ordinary or inaccurate to you.

Step 3: Sending disputes over credit report entries

If you find entries in your credit reports that are not accurate, you have the right to dispute these entries with the credit bureaus directly. While you can't remove these transactions on your own, credit bureaus must remove entries that are found to be inaccurate from your credit report. Dispute letters must be sent to each credit bureau that lists the inaccurate entry in their report. They must include information about the inaccurate entry as well as evidence to show its inaccuracy.

Note: Although the process is only three steps, these steps are not as simple as they seem. Technically speaking, you can do credit repair on your own. However, when you get to the third step of sending a dispute letter and following up with credit bureaus, the process can be tedious and difficult if you don't already have experience with it. This is why it's recommended to work with a credit repair company in Minnesota instead of trying to do the process by yourself.

More Methods Credit Repair Companies Use To Repair Credit

Anytime that a change is made regarding corrections on your credit report the credit bureaus are obligated to formally inform you. While most corrections hold, sometimes a creditor is able to prove the validity of the debt that causes the derogatory mark. In these cases, the account and the derogatory mark will be reinserted on your credit report. One of the more destructive things about having bad credit is the sheer number of calls, and letters consumers receive from debt collectors. This can lead to stress and a general ambivalence towards repairing issues that led to a poor score in the first place. A good credit repair company will be able to stop debt collectors from harassing you and in many cases will work to come to an agreement for less than the full amount due. When the bad debt is paid off, then they will work to have the derogatory listing removed. Consolidation is another option that can help lower debt and improve a person’s credit score at the same time. Credit repair companies will also work to manage medical debt and bankruptcy charge-offs removed.

Common questions and answers:

How much can you improve your credit score in Minnesota?

Depending on how much your credit score has been affected by inaccurate entries in your credit report, you could see a lot of improvement from credit repair in Minnesota. Credit repair cannot fix accurate or legitimate entries, but it can remove false entries that could be dragging your credit score down. Because of the weight payment history has on your credit score, this process is very important to salvage your credit score.

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

Most credit repair companies in Minnesota charge between $89 to $189 per month. The reason this service is charged on a monthly basis is because of the wide time frame that it can go on and the amount of work that may be required during that time. In Minnesota, most companies will also ask for an upfront contract set up fee that’s a one-time payment along with your normal monthly payments.

How long does the credit repair process take in Minnesota?

You can expect credit repair to take between three and six months in Minnesota. This is a regular time frame for credit repair throughout the US, because of the amount of time credit bureaus can delay in responding to your initial disputes and requesting evidence. unfortunately, there is no way to speed up credit repair, but working with reputable company in Minnesota can make the process go as fast as possible.

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

You can do credit repair in every city in Minnesota, small or large. There are no location restrictions for this service within the state. Customers can even choose to work with companies that are based outside of Minnesota, as long as they follow all state regulations active within Minnesota. So, whether you live in Minneapolis, Saint Paul, or Rochester, or you live in a smaller city such as New Hope, Alexandria, or Rockford, you can access credit repair when you need it.

Get help with credit repair in Minnesota:

© Copyright Credit-Repair-Companies.org. All Rights Reserved

When you call any toll-free number provided, you will be connected to one of the credit repair companies that we work with. We receive a commission for purchases made through the links on this site and from calls made to the toll-free numbers listed on the website. Our sponsors, however, do not influence our editorial content in any way. All content on the website is provided for information purposes only and shall not be construed as financial advice.

Terms of Use | Privacy Policy