Credit Repair Companies in Las Vegas

Top Credit Repair in
Las Vegas

Nevada has an average VantageScore of 655, which is already considered subprime. Many residents may have trouble accessing traditional loan products and will often need to pay higher rates than consumers with good credit.

Consider reviewing reports for errors before hiring credit repair companies in Las Vegas. That is because credit repair specialists cannot intervene in cases where there are legitimate entries in reports. For instance, if you have a genuine collections account that you may have incurred after a delinquent account was charged off, it’s not possible to remove it. Now, this doesn’t mean that negative entries are permanent. Bureaus remove most negative items after they have aged for more than seven years.

Reputation

The reputation tells us whether customers can trust the brand to deliver on its core mandate.

Industry Expertise & Reliability

Our experts analyze metrics about the number of disputes filed and consider the complaints brought by customers.

Technology & Tools

We check if the brands have modern websites, functional user portals, and mobile apps.

Range of Features

Our experts consider whether the firm offers creditor interventions, debt validation, report tracking, etc.

Affordability

The firm should not be charging above industry rates, and packages must be affordable for all customers.

Best Credit Repair Companies in Vegas

Our experts compiled this list of credit companies in Las Vegas, NV, by focusing on providers offering moderately priced packages, honest package descriptions, and excellent customer feedback. Check out these trusted firms:

Lexington Law

Best for Attorney-backed Repair
lexington law Sign up
Highlights
  • The #1 credit repair app
  • Over 17 years of experience
  • Over 56 million negative items removed since 2004
  • Lots of positive reviews
  • Over 500,000 users
Score
4.8
  • Trust5
  • Technology5
  • Affordability4
  • Features5
  • Total Score4.8
Score
4.8
  • Market Experience: 17 years
  • Service Guarantee: No
  • Free Consultation: Yes
  • BBB Rating: C
  • Costs: $89.85 – $129.95
  • Main Office: North Salt Lake, Utah
Pros
  • Intuitive credit repair mobile app
  • The lawyer-driven credit repair process
  • Military, veteran, and couple discounts
  • Comprehensive credit repair resources
  • Highly rated, trusted, and transparent
Cons
  • Complains about the billing process
  • No explicit communication on when to stop subscribing
  • No service guarantee

The company has a dedicated page that promotes its service to Nevada residents. Daniel Woolston serves as the company’s Nevada lawyer and as the Arizona assistant managing attorney.

Las Vegas residents are entitled to a free and personalized consultation. As part of the review, they provide a free TransUnion report summary and FICO scores.

There are three pricing tiers; $89.95, $109.95, and $129.95. By offering an attorney-backed process, the company is a leading choice for Las Vegas credit repair lawyers.

Creditrepair.com

Best tech & reporting
CreditRepair.com Sign up
Highlights
  • Modern mobile apps
  • TransUnion credit monitoring
  • Progress tracking with text, app & email alerts
  • Affordable plans
  • ID protection & insurance
Score
4.3
  • Trust4
  • Technology5
  • Affordability4
  • Features4
  • Total Score4.3
Score
4.3
  • Market Experience: 9 years
  • Service Guarantee: No
  • Free Consultation: Yes
  • BBB Rating: D
  • Costs: $69.95 - $119.95
  • Main Office: West Valley City, UT
Pros
  • Quick and free online credit evaluation
  • Comprehensive credit repair education, both video & text
  • Mobile apps to track removals, current challenges, and creditor inventions
  • TransUnion credit monitoring
Cons
  • No custom arguments
  • No service guarantee or refunds

It’s a nationally acclaimed repair firm that operates in most states around the country. They are one of the leading Las Vegas credit repair companies. They utilize a 3-step method fine-tuned over the 10 years they have been in business.

As a Progrexion brand, they have access to some of the best industry technology, relying on digital partnerships to facilitate electronic disputing. Customers can download their mobile apps to manage their accounts and track outcomes of challenges conveniently. It’s possible to select from three monthly pricing tiers ranging from $69.95 to $119.95.

Fast Credit Solutions

Fast Credit Solutions

FCS is a Las Vegas credit repair service that’s bonded and licensed. They prominently display their license number for anyone to confirm their validity. Started in 2007, the company is even older than some prominent national brands. Customers pay nothing upfront as per the provisions of the CROA. They only have an initial fee of $49, which’s considerably lower than other companies are charging for credit repair in Las Vegas, Nevada. They boast an 87% success rate and are constantly striving to offer their clients fast credit repair in Las Vegas.

CreditFirm.net

Highlights
Score
0
  • Trust
  • Technology
  • Affordability
  • Features
  • Total Score0
Score
0
  • Market Experience: 23 years
  • Service Guarantee: No
  • Free Consultation: Yes
  • BBB Rating: C-
  • Costs: $49.99
  • Main Office: Corpus Christi, TX
Pros
  • Long market experience
  • Access to credit consultants & attorneys
  • Free credit repair action plan
  • Low monthly fees
Cons
  • Poor Trustpilot Rating
  • No service guarantee

At only $49.99 per month, this is one of the most affordable firms for Credit repair in Las Vegas. The first thing they ask customers is their goals so they can tailor their service to match their expectations. Their package also includes a legal audit of credit reports by a licensed attorney. The company has been around since 1997. While it’s not BBB accredited, the company attempts to resolve customer complaints amicably.

Credit Saint

Best for reliable & trusted services
Credit Saint Sign up
Highlights
  • BBB accredited with no outstanding claims
  • Customized arguments
  • Credit rebuilding guidance
  • Unmatched 90-day Money Back Protection
  • Free credit consultation
Score
4.5
  • Trust5
  • Technology4
  • Affordability4
  • Features5
  • Total Score4.5
Score
4.5
  • Market Experience: 17 years
  • Service Guarantee: Yes
  • Free Consultation: Yes
  • BBB Rating: A
  • Costs: $79.99 - $119.99
  • Main Office: Oakland, NJ
Pros
  • Free credit evaluation
  • Score tracker and analysis in the lowest package
  • Good market reputation
  • Custom arguments and comprehensive reporting
Cons
  • High initial work fee (from $99 to $195 as per package)
  • Lacks a mobile app

It’s one of the best credit repair companies in Las Vegas NV, for various reasons. Customers receive a free and non-obligatory credit evaluation that would otherwise cost $19. It entails a careful analysis of credit reports to determine the most damaging items. They further elaborate on other techniques for building positive credit. CreditSaint.com packages range from $79.99 to $119.99.

In case of any complaints, you can raise them with the support staff. If that proves challenging, customers turn to their BBB.org page, where they are credited with an A rating.

Ovation Credit Repair

Best for personalized disputes & services
Ovation Credit Services Sign up
Highlights
  • Free Credit Analyst consultation
  • Established by attorneys
  • No charges for mid-term cancellations
  • Personalized dispute options
  • Fast-tracking
Score
3.8
  • Trust4
  • Technology3
  • Affordability4
  • Features4
  • Total Score3.8
Score
3.8
  • Market Experience: 45 years
  • Service Guarantee: No
  • Free Consultation: Yes
  • BBB Rating: A+
  • Costs: $79 - $109
  • Main Office: Jacksonville, Florida
Pros
  • A solid reputation and highly experienced
  • One-on-one assistance from a personal case advisor
  • Fast Track Service with no wait times
  • Discount programs for couples, referees, military, and seniors
Cons
  • No mobile apps
  • No refunds

Owned by LendingTree, the company has positioned itself as a quality provider of the best credit repair in Las Vegas, NV. They have a comprehensive package that includes ID monitoring and protection, in addition to unlimited challenges at only $109 per month. As a nice bonus, they can send personalized recommendation letters to potential lenders, which may give you an edge when applying for new loan products.

Credit Repair Services in Las Vegas

It’s essential to have realistic expectations when working with a credit repair attorney or business. They don’t guarantee results as they can’t predict the outcome of challenges. Credit reporting bureaus have to rely on the original information furnishers to confirm or deny the validity of a challenge.

When working with a credit repair company in Las Vegas, remember that they can’t deliver instant results. The law affords bureaus 30 to 45 days to conduct reinvestigations. So, most services advise customers to expect results in 45 to 60 days to allow enough time for reinvestigations and mailing from the bureaus.

Repairing credit scores by hiring paid services will only be effective if there are errors to challenge. If not, it’s better to look into other ways of improving credit, such as obtaining credit rebuilding products.

FAQ

Consumers are guaranteed the right to dispute non-factual information in their reports so that future lenders get an accurate picture of their creditworthiness. Nevada outlines the regulations that repair services should abide by in § 721 of Chapter 598 of Nevada Revised Statutes. The CSOs are required to fill out a Business Practice Questionnaire and apply for registration.

The fees may range from $50 to $150 per month, depending on the preferred company. Top services charge a review fee for the initial work involved in sending the first round of disputes and creating personalized plans.

They help customers challenge inaccurate information in their consumer credit reports from Equifax, Experian, and TransUnion. Reputable firms may offer general advice and help consumers write debt validation, cease & desist, and Goodwill letters.

Need help choosing a credit repair company in Las Vegas?