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 getting denied credit every time you apply? Perhaps your housing application is getting turned down even if you have the income to pay the rent? If so, chances are your credit score is to blame. A lot of people are walking around with low scores or outright bad scores simply because they don’t know how to fix their credit reports. There are so many tools and resources available to help you get back on the path to financial health if you know where to look. Two of the best resources in Oregon are a professional credit repair and credit counseling services. If you are tired of living your life under the threat of denial, then consider credit repair as a way to get back on track.

Overview of the credit industry in Oregon

Unfortunately for Oregon residents, this state is one of the most expensive to live in out of all the US states. While it has a lot to offer its residents, housing prices and costs of basic necessities are not among the good qualities of the state. Surprisingly, despite its high cost of living, Oregon has lower than average credit card debt per person. The average person living in the state has $4,921 of credit card debt, more than $250 less than the national average.

Oregon has another surprise in its average credit scores. Despite the higher cost of housing, Oregon residents have an average credit score of 731, which is much higher than the average of 714 across the nation. If your credit score is lower than average or just lower than you want it to be, credit repair could be a way to increase your score if you have inaccurate or incorrect entries sitting on your credit report.

Laws that affect credit repair in Oregon

Oregon’s Debt Management (OR Rev Stat 697.602) laws put some specific requirements on companies that wish to offer credit repair in the state. This includes the following:

  1. Companies must have an active, legal surety bond of no less than $10,000
  2. All credit repair companies need to register as credit service organizations (CSOs) with the Oregon Division of Financial Regulation
  3. Customers must be allowed to cancel their credit repair contracts within 3 business days of when the contract was signed
  4. Contracts have to include specific disclosures about credit repair service  

All companies doing credit repair in Oregon also have to adhere to federal regulations, including the Credit Repair Organizations Act (CROA). This act guides how companies are allowed to advertise their credit repair service, what they must disclose to customers, and how they can charge customers, among other things.

What Can Professional Credit Repair Fix?

Professional credit repair in Oregon can help you fix various negative entries on your credit report. While there is no way to erase the legitimate debt, credit repair can get rid of mistakes, old accounts, and help you to consolidate your debts. Here at (company), we can help you with:

  • Charge Offs
  • Hard Inquiries
  • Collections Accounts
  • Judgment
  • Repossessions
  • Bankruptcy
  • Student Loans
  • Negative Entries

Credit repair agencies in Oregon are able to find discrepancies between the credit reporting agencies and have them fixed. For example, one agency may show a debt as paid while the other still list it as past due or in collections. Credit repair companies can also have old accounts that are more than 7 years of age removed, and this also includes delinquencies. A skilled agent will even be able to negotiate with your creditors on your open lines of credit to have late marks stricken from your record.

Is Credit Really Important?

Your credit score and your credit report follow you wherever you go. Getting away from a bad relationship can be accomplished by moving to another city or state, but there is no way to get away from bad credit. When you have a poor credit history, it is nearly impossible to get approved for a loan. It is also hard to obtain a credit card approval if your credit score is low or if you have a history of non-payment. In addition to being approved for new lines of credit, your score will also determine the interest rates insurance companies and lenders offer you on their services. The lower your score, the higher your rates will be. A bad credit score can even keep you from finding housing in many areas. No one wants a tenant that can’t pay their bills, or who always pays late. One of the worst side effects of bad credit, however, is how it affects your career. Many positions require a good credit score so if you are looking to get promoted or even land certain jobs, your credit score will factor into the hiring decision.

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

Luckily for Oregon residents, there's no need to work with a lawyer or law firm to do credit repair in the state unless you want to. You have the choice of any company that's registered and following local and federal laws, regardless of whether or not they are lawyers. Technically, you can also do credit repair on your own, but it's often better to work with a reliable and reputable company that can help you make the process much smoother and quicker.

Credit repair process in Oregon

When you're going through the credit repair process in Oregon, you can expect it to involve these 3 steps:

Step 1: Requesting your own credit reports

there are three major credit bureaus in the US that all compile and maintain records of credit related transactions you make in any state. You're entitled to requesting a free credit report from each of the 3 bureaus every 12 months. To do credit report repair, you need to have all 3 of your credit reports ready to check for inaccuracies. Credit reports can be requested online or via the mail.

Step 2: Scrutinizing your credit reports 

Look through your credit reports to see if all of the information contained in the entries is accurate or not. Credit repair can only be done when there are inaccurate bits of data in your credit report, which is very common in the US. Unfortunately, mistakes happen, even with something as sensitive as your credit information. If you find any mistakes, make a note of them and continue to the next step.

Step 3: Disputing incorrect or fraudulent entries 

To initiate the credit repair process, you need to send a dispute letter to each of the 3 major credit bureaus that lists the inaccurate or incorrect entries on their credit reports for you. While you cannot dispute legitimate entries on your report, you have the right to dispute anything that is inaccurate and to request its removal or correction.

Note: Don't let the simple three-step process cool you. Credit repair is not quite as easy as it sounds on paper. When you’re making a dispute with a credit bureau, there’s a strict process you need to follow if you want to be taken seriously. This is why credit repair companies can be helpful to you, since they’re experienced in drafting appropriate dispute letters and presenting the right types of evidence to be considered by credit bureaus as legitimate.

Common questions and answers:

How much can you improve your credit score in Oregon?

Depending on how much your credit score is being impacted by inaccurate entries on your credit report, you can have either a large or small impact on your score by doing credit repair. Payment history makes up more than 1/3 of your credit score calculation, so having illegitimate entries in your payment history can be a huge negative factor. Removing those illegitimate entries will help you see a huge increase in your credit score very quickly.

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

There's a lot of variation in what companies will charge for credit repair in Oregon. It depends on what other services are included in a package deal, or if it's credit repair alone. On average you can expect to pay between $89 to $199 per month, but there are companies offering it in a wide range from $79 to $249 per month. Depending on the company, you will also be charged with a contract setup fee in the beginning.

How long does the credit repair process take in Oregon?

While there's no way to accurately estimate how long credit repair will take for you, the average Oregon resident and expect the process to take between three to six months. It's an unfortunately long process, but there's no way to guarantee a shorter time frame.

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

It's not just residents of Portland, Salem, Eugene, or Hillsboro but get to access credit repair in Oregon. Any residents can get this service, as long as the companies are following Oregon and federal laws around credit repair. Even smaller cities like Warrenton, Boardman, Dayton, or Aurora can access the same credit repair companies as those in larger cities.

Getting denied any time you apply for a loan is never fun. The same goes for when you are passed over for a promotion due to your low credit score. When you have good credit you can get better financing terms and lower interest rates on loans. If you have a poor credit score not only will these rates increase, but chances are you will face multiple denials. Managing your money wisely is only one step in turning your life around, fixing your credit is the other.

Get help with credit repair in Oregon:

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