Best Credit Repair Companies in Missoula, MT

The need for credit repair in Missoula

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.