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

Living in Nevada is ideal for those who love the peace and serenity of the desert but also like to stay in close proximity to the nightlife. In order to enjoy most of what the state has to offer, you will need good, or at least moderate credit. Layoffs, medical debt, and even family issues like divorce can leave you with a score that prevents you from taking advantage of what Nevada has to offer. Thankfully, you don’t have to live with bad credit in Nevada forever when you hire a professional credit repair service to help improve your score.

Overview of the credit industry in Nevada

Nevada is a relatively cheap US state to live in. While it's similar to the national average, real estate and basic necessities are affordable end lower in some cities than in other states around the country. This matches with Nevada’s credit card debt levels, as the state sits just above the average for credit card debt per person at $5,202, only $9 above the national average.

Despite the low real estate prices throughout most of the state, Nevada has lower than average credit scores per person. The average credit score is 701, compared to the national average of 714. While any score above 700 is still considered good, there's always room for improvement, with the goal of reaching an excellent credit score above 750-800. If you're a Nevada resident whose credit score has been affected by inaccurate entries on your credit report, credit repair can help you to fix that.

Laws that effect credit repair in Nevada

Nevada state laws do place some specific limitations on credit repair companies offering their services within the state. Specifically, NRS 598.741 requires that all companies offering credit repair must:

  • Hold a surety bond that’s at least $100,000 in value
  • Register with the Nevada Department of Business and Industry as credit service organizations (CSOs)
  • Include several specific disclosures in contracts
  • Give customers the opportunity to cancel all contracts within a minimum of 5 business days from signing
  • Provide a refund to any customer that requests it within a minimum of 10 days after signing the contract

Nevada’s state law complements existing federal laws regulating credit repair, most notably the Credit Repair Organizations Act (CROA). This law governs how credit repair can be advertised to prospective customers, how contracts need to be laid out for customers, how payments can be structured and charged, and more.

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

Despite what some lawyers may hint, you don't actually need a lawyer to do credit repair for you in Nevada. The last person to see any company that follows the state and federal regulations for credit service providers is able to offer you credit repair in the state of Nevada. In fact, this can end up being better for you because you get to choose a company that you feel comfortable working with, instead of just looking for the closest law firm and signing a contract with them.

Credit repair process in Nevada

In Nevada, you can expect the credit repair process to go something like this:

Step 1: Making credit report requests (free)

your credit score is based on calculations from entries made on credit reports, which are produced by the three major credit bureaus in the United States. These credit bureaus are obligated to send you free credit reports upon request at least once every 12 months. Make sure to request a credit report from all 3 bureaus, because they can each contain slightly different information.

Step 2: Going through your reports  

After you have your credit reports, you need to look through them and search for any information that may be inaccurate or incorrect. This information is not always fraudulent or malicious, often being the result of mistake in entries or errors on the side of businesses that are reporting credit related transactions. If you find any erroneous entries on your credit reports, you need to report those to the credit bureau that maintains that credit report and launch a dispute to have the entry removed.

Step 3: Initiating disputes over false transactions  

Disputes are launched by sending a dispute letter to the credit bureau, providing information about the inaccurate entry as well as evidence of its falsehood. A separate letter needs to be sent to each credit bureau that lists the inaccurate transaction because they all maintain the records separately.

Note: It's easy to get hung up on the last step because there's often a lot of back and forth before a credit bureau will actually remove any entry. They may request additional evidence, or you may need to relaunch the dispute if it's closed prematurely. Because of all the things that can go wrong during the process, it's recommended to work with a credit repair company that has experience and can guide you through the process successfully.

Can Credit Really be Fixed?

There is no quick way to repair your credit. In order to fix your score legally, it takes time, effort, and proper financial management. You can hire a professional credit repair specialist to help you manage inaccuracies and old accounts that are bringing your score down. A professional company will also be able to coordinate debt consolidation and even negotiate with your creditors to have negative marks removed as your accounts are brought into good standing. When you are ready to make a change, there is always a way to fix your credit legally.

Medical Debt Consolidation

It sucks to get sick but getting smothered in sky-high bills following your treatment is even worse. For many, the choice of getting medical care and the choice of avoiding debt is very difficult to make. As a result, not only do they end up saddled with high medical bills, their credit scores also suffer when they can’t keep up with their payments. If your credit has been destroyed by medical debt, it may be time to consider reaching out to professionals for help. A professional Nevada credit repair organization will be able to work with your creditors to create a medical debt consolidation plan that meets your needs.

Credit Card Debt Consolidation

Perhaps you don’t have medical bills, but you do have a lot of credit card debt. A credit repair agency will be able to consolidate your credit card bills and get the creditors off of your back. All of your payments will be rolled into one single bill, and your other derogatory marks will also be dropped from your credit report. Not only is this a great way to get a handle on your credit card debt, but it will also help you start to repair your credit at the same time.

General Debt Consolidation

Debt consolidation is a Nevada credit repair specialists' specialty. It is a form of loan, but not in the traditional sense of things. If you are dealing with numerous creditors, outstanding debts, and other revolving loans, consolidation is an effective way to get your finances back under control. A credit repair agency will be able to negotiate with most of your creditors to settle your debts for less, or to at least roll them into a larger consolidation plan. Your monthly payments will be set up in a easy way for you to manage, most often with automatic payments. As your payments are made on time, your credit score will slowly start to improve. In addition to getting your bills under control, you can also work on creating a budget you can follow that will help you avoid debt in the future.

Common questions and answers:

How much can you improve your credit score in Nevada?

Depending on how many inaccurate entries are on your credit report, you can improve your credit score by quite a lot. If you have multiple inaccurate entries on your credit report, whether through fraud or simple human error, having those removed can allow your true credit activity to shine, quickly boosting your credit score to what it should be. Without inaccurate entries on your credit report, credit repair will not be able to help you fix your credit score in Nevada.

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

On average, you can expect to pay between $89 to $219 per month for as long as the credit repair process goes on. Some companies may charge as little as $69 per month, while others may reach up to $249 per month depending on what services they're offering bundled together with credit repair. In most cases, companies will also charge a one-time fee to set up the contract. This is often the same or lower than the actual monthly fee for the contract.

How long does the credit repair process take in Nevada?

An average time period for credit repair is between 3 to 6 months. Much of this time will be spent waiting to hear news from credit bureaus, sending in additional evidence or new dispute letters, and following up to see the progress on investigations into false entries on your credit reports. Unfortunately, the process often is full of delays that you can't avoid no matter what you do, making it difficult to predict an exact timeline for credit repair.

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

Credit repair is a service that can be provided to anyone within the US, including in Nevada, because it’s not restricted by location. All cities in Nevada can access credit repair, whether there are large metropolitan areas like Las Vegas, Henderson, or Reno, worse or less populated cities such as Genoa, Kingsbury, or Walker Lake.

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