1
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.
(888) 861-2884
Free Credit Consultation
Visit Website
2
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.
Visit Website
3
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.
(986) 204-7442
Free Credit Consultation
Visit Website
4
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.
Visit Website
5
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.
Visit Website
6
CreditRepair.com logo

CreditRepair.com
    • 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.
Visit Website
7
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
Visit Website
 

Are you dealing with bad credit but are unsure how to go about getting back on track? Are you tired of being harassed by collections calls and letters at every turn? If so, working with a professional credit repair company may be the answer. Professional credit repair in Wisconsin can get the collections agents off your back as you work to repair your credit. Keep reading to find out more about how you can repair your credit today.

Overview of the credit industry in Wisconsin

The cost of living in Wisconsin is slightly below the national average. Most of this is due to the low cost of housing within the state, as other cost of living expenses are very similar to existing averages in the country. To match their low cost of living, Wisconsin also has low levels of credit card debt per person. The average person Wisconsin has credit card debt of $4,444, far below the national average of $5,193.

Wisconsin also has surprisingly high credit scores. On average, people in Wisconsin have a credit score of 735, more than 20 points above the national average of 714. This is a healthy credit score, but it doesn't represent every individual living in the state of Wisconsin. If you're having trouble with your credit score being lower than you anticipated, or your credit score won't increase no matter what you do, credit repair could be a great option to help you get back on track by removing false entries from your credit report that might be negatively impacting your credit score.

Laws that affect credit repair in Wisconsin

The Wisconsin state law dealing with credit repair companies is known as the Credit Service Organization (WI Leg 422.501). This is a law that has the following requirements for companies offering credit repair as a service:

  1. Obtaining a surety bond worth at least $25,000
  2. Registering as a credit service organization (CSO) with the Wisconsin Department of Financial Institutions
  3. Allowing customers to cancel contracts for any reason with 5 business days of signing
  4. Providing a full refund to customers upon request within 15 days of signing the contract
  5. Disclosing specific information about credit repair services to customers on their contracts, as state within the law itself

All credit repair businesses in Wisconsin must also follow the rules set by the Credit Repair Organizations Act (CROA). This is a federal law dealing with credit repair. It states that companies offering this service should always provide a written contract, cannot provide misinformation to clients about what credit repair entails, and must not charge for the service of credit repair upfront.

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

You don't need to work with a lawyer for credit repair in Wisconsin. There are many reputable companies that are operating within the state, providing credit repair service that's just as good as a law firm would offer. Many law firms in the state do offer credit repair, but you're not limited to just working with them if you don't want to. Choose a company you feel comfortable with, whether or not they are a law firm.

Credit repair process in Wisconsin

You can expect the credit repair process in Wisconsin to go something like this:

Step 1: Getting your credit reports

Before you can start anything else in the credit repair process, you need to know what's happening behind the scenes on your credit reports. Credit reports is plural because there are actually 3 different credit reports assigned to each person, not just 1 single report. These 3 reports are maintained by separate credit bureaus, so they can contain slightly different each information on each one. Each bureau is required to provide 1 free credit report to each person at least once every 12 months.

Step 2: Checking out credit entries on your reports

Once you have either a digital or physical copy of each credit report, the hard part starts. You need to go through each report and check for false information or errors. Entries can go back seven or more years, so you could end up taking quite a while to look at all the reports thoroughly. It's important to be as thorough as you can, since this is going to lay the foundation for what you can or cannot dispute on your credit report.

If you don't find any inaccurate information on your report, you'll stop here. If you find a mistake on your credit report, you need to move on to step three and dispute that credit report entry with the relevant credit Bureau.

Step 3: Disputing inaccurate information for correction

There's no way for you to make corrections on your own credit reports, so you need to work with the credit bureaus themselves to make corrections as necessary. This starts by sending a dispute letter to the relevant bureaus that list the incorrect entry on your credit reports. This dispute letter should contain evidence of the inaccuracy of the entry, as well as information to help aid their investigation.

Although it sounds simple enough, don't be deceived! While you can do credit report on your own, you probably don't want to because of the complexity involved in disputing claims with credit bureaus. It's simple enough to check your own credit reports for errors, but when it comes to communicating those errors to a credit bureau in a way that will make them take you seriously and fix the issue, you're better off working with an experienced credit repair company to help.

What Is Credit Repair?

Credit repair may seem complicated, but it is actually quite simple. Repairing credit involves removing items on your credit report that are inaccurate such as accounts that don’t belong to you or those with incorrect accounts. Depending on the nature of your debt, some can be consolidated which can also be used to improve your score. If there are collections on your credit report, negotiating a payoff is one way the negative mark can be removed. A professional credit repair service in Wisconsin will do many of the things you are able to do on your own to fix your credit, however, they have the time and knowledge to get it done more efficiently.

Can a credit repair company really help with my score?

Living within your means, managing your finances, and paying your bills on time is the only way to ensure you maintain a good credit score. However, if your score has gone down so far as to being considered bad credit, hiring a credit repair company can help. They will work to improve your credit by disputing any inaccurate items on your credit report which can bring your score up as much as 100 points. In addition to corrections, they will work to have old accounts that are bringing down your score removed. If you have a lot of debt that has a negative effect on your DTI, they can also help you to consolidate which can improve your overall score. A credit repair company will also work to negotiate with debt collectors to settle for a lower amount and even remove negative marks when the account is paid off, which will also raise your credit score.

What About Debt Consolidation in Wisconsin?

Depending on the nature of your debt, consolidation may be an option that helps you get your debt under control. Medical debt and credit card debt are two types that are prime candidates for consolidation. A credit repair agency will be able to handle the negotiations and bring your debts under one creditor while setting up affordable payments that meet your needs. In many cases, negative marks from separate accounts can be removed following a debt consolidation. This will help improve your credit score as the derogatory entries fall off. Making your consolidation payments on time each month will also help improve your credit score over time.

Common questions and answers:

How much can you improve your credit score in Wisconsin?

Credit scores can only be improved through credit repair if you have issues on your credit report. Since these issues can be negatively impacting your credit score, you might see significant improvements when there are no longer on your reports. This is the simplest way to improve your credit score, but it's only eligible to those who have errors on their credit reports.

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

On average, Wisconsin residents can expect to spend between $49 to $179 per month on credit repair services, plus the potential for a one-time contract setup fee depending on which company you work with. The most common price range for credit repair service in Wisconsin is between $69 to $119 per month.

How long does the credit repair process take in Wisconsin?

Unfortunately, credit repair is not an easy, short-term fix. It can take anywhere from three to six months to get your credit repaired in Wisconsin. While it's worth the wait, you need to start the process as soon as possible in order to avoid any unnecessary delays.

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

It's easy to assume that services like credit repair are only available in large cities like Milwaukee, Madison, or Green Bay. However, this is not the case. All residents of Wisconsin are able to access the same credit repair companies as one another, as long as those companies are abiding by state and federal regulations. So even if you live in smaller cities like Watertown, Glendale, or Ashland, you still have plenty of options for reliable credit repair service in the state of Wisconsin.

Get help with credit repair in Wisconsin:

© 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