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Find the Best Credit Repair Companies in Missoula, MT

It can be tough to secure a mortgage, credit card, apartment or vehicle loan with poor credit. That’s why we researched the best credit repair in Missoula to help get your credit back on track.

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Compare Top Credit Repair Companies

Credit Saint
Overall satisfaction rating
  • Available in Missoula
  • 90-day guarantee
  • A+ BBB rating
  • Full credit restoration

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Learn More (478) 845-6310 Read More
Sky Blue Credit Repair
Overall satisfaction rating
  • Available in Missoula
  • Negotiation guidance
  • 90-day guarantee
  • 15 disputes every 35 days

Charges $79 setup fee. Monthly fees start at $79. Typical customers see credit score improvement results within 30 days. Offers 90-day money-back guarantee. No cancellation charges. Available nationwide.

Learn More (888) 751-6072 Read More
The Credit People
Overall satisfaction rating
  • Available in Missoula
  • 32% avg. increase in credit score
  • Creditor interventions
  • Debt & inquiry validations

Offers repair services for bad credit. $79 per month. Could positively affect your credit score within 60 days. Employs certified representatives. Credit solutions available on the company’s website.

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Overall satisfaction rating
  • Available in Missoula
  • Starts at $99.95/month
  • 24/7 monitoring & alerts
  • Partner with all bureaus

Charges one-time $14.99 fee to pull credit reports. Monthly fee is $99.95. Average credit score improvement results within six months. No money-back guarantee. Cancel account anytime. Available nationwide.

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The Credit Pros
Overall satisfaction rating
  • Available in Missoula
  • Free consultation
  • Credit advice
  • Easy-to-read reports

Setup fees range from $19 to $149. Monthly fees from $19 to $119. No money-back guarantee. Cancel credit repair services any time. Available nationwide.

Learn More (844) 441-1397 Read More
Lexington Law
  • Available in Missoula
  • 3 service repair options
  • Services start at $89.95
  • 24/7 online monitoring
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The need for credit repair in Missoula

Missoula skyline

The average Montanan’s credit score is 689, which gives Montana the 13th highest average in the country, according to the Missoulian. However, many people in Missoula don’t have good credit, and even people with credit scores in the 600s want to improve their scores.

Credit repair companies in Missoula work to improve your credit score and clean up your credit report. People who benefit from credit repair in Missoula include those who:

  • Have missed payments
  • Haven’t taken a close look at their credit report
  • Are homebuyers or vehicle buyers who need a loan
  • Are struggling with high interest rates
  • Don’t want to use a co-signer
  • Are tired of paying large security deposits

Types of credit repair services

There are multiple services that credit repair companies in Missoula provide to fix your credit. First, they use credit report disputes. Here, your credit repair company takes your credit reports from all three credit bureaus and examines them for any mistakes, such as debts that were actually paid off but weren’t removed from your record. They then dispute these items with the credit bureaus and get them taken off of your credit report permanently.

Credit repair services in Missoula also offer credit monitoring. Your credit repair company can watch your report for any unusual activity, often caused by identity theft. This lets them detect this kind of activity immediately and catch these problems early on.

Finally, credit repair companies in Missoula provide credit counseling to teach you how to improve your credit score and manage your finances long-term.

With all of these available services, the credit repair process typically takes about three to six months in Missoula. However, the amount of time it takes to repair your bad credit varies. Negative information that’s accurate can remain on your credit report for years even after you finish working with your credit repair company.

How much does credit repair cost?

You’ll likely have to pay a monthly fee to your credit repair company in Missoula, which ranges from $30 to $100. Some credit repair companies also require a one-time setup fee, which can be $15 - $90.

How to avoid credit repair scams

There are several things to look for in a legitimate credit repair company in Missoula, including:

  • Being clear and upfront about the process and how you’re involved
  • Transparency about any costs
  • Honesty about goals, outcomes and expectations
  • Great online reviews and ratings that speak to its integrity

Warning signs of a credit repair scam in Missoula include:

  • Requiring you to pay upfront
  • Encouraging you not to contact credit companies yourself
  • Telling you to give inaccurate information or dispute correct information
  • Making unrealistic promises about outcomes or timelines
  • Not disclosing your legal rights
  • Having consistently poor reviews

Depending on the company you choose, you may work with a team of representatives or have a dedicated caseworker. As long as the company is responsive and honest and you’ve confirmed their credentials, both are effective.

Home Warranty Company Reviews

Credit Saint

Credit Saint offers its services in 45-day cycles, during which clients receive their credit reports and work with its team of professionals. This company offers customers a 90-day guarantee and a full refund if they’re not satisfied. Reviews are generally positive, mentioning speedy results and the very helpful team. Some even claimed that Credit Saint was able to deliver results that private attorneys said couldn’t be done.

Credit Saint Learn More (478) 845-6310

Sky Blue Credit Repair

Sky Blue Credit Repair claims that they are able to work directly with the three credit bureaus to help customers resolve issues faster. It also tailors its programs to each customer’s unique situation. Reviews are generally positive, with comment trends for excellent customer service and honesty, including proactively calling to let you know they’re done.

Sky Blue Credit Repair Learn More (888) 751-6072

The Credit People

Though it’s been around for less than two decades, The Credit People offers lots of options, including 24/7 access to credit reports and a highly-trained staff. Most reviews mention The Credit People positively, specifically for their knowledgeable staff and the speed with which it resolves issues.

The Credit People


CreditRepair.com offers a free, 10-minute consultation and score evaluation to new customers. The company states that its services generally take up to six months. Reviews are mixed though. Some reviewers mention poor communication and a decrease in helpful activity after several months. However, other reviewers appreciate CreditRepair.com’s effective credit repair services and would return if they need help in the future.

Creditrepair.com Learn More

The Credit Pros

The Credit Pros is an up-and-coming credit repair company across the nation that features an A+ rating from BBB. It even offers free cancellation and customizable services. Reviews mention reliable service, effective work, 24/7 customer service and excellent advice.

The Credit Pros Learn More (844) 441-1397

Lexington Law

Lexington Law touts its strong relationship with all three credit bureaus as a way to resolve customers’ issues. However, reviews are mixed in the Missoula area. One reviewer said Lexington Law had subpar communication and that they overpaid. Meanwhile, another reviewer appreciated its helpful team and the company’s ability to take derogatory marks off their credit report.

Lexington Law