Credit repair is a valuable facility available to American citizens finding it difficult to make purchases or secure loans because of poor credit. Naturally, this holds true for the Heart of Dixie too, which is why we investigated the best options for credit repair in Alabama. We’ll give you the scoop on the services offered by the top firms in the state, the typical fees charged, the applicable Alabama credit repair laws, and more, so read on.
Ranked #1 in Challenging Inaccurate Credit Data
This New Jersey-based company has been in the credit repair business since 2007, boasting an A rating from the Better Business Bureau. Apart from an aggressive team that has helped thousands of customers improve their credit scores, its credit repair service highlights include a free phone consultation and a 90-day money-back guarantee.
Top Rated Credit Repair Company
Hailing out of New Jersey with an A+ BBB rating, this firm is known for its AI-driven personal credit management system. Founded in 2009, it has been ranked among the fastest-growing companies in the business and offers many features that go beyond credit score repair services, such as dark web monitoring, bill reminder, and pharmacy savings.
Changing Lives One Client at a Time
Alabama-based 800CreditNow focuses on credit repair services for local residents. While the firm has been around since as recently as 2014, its team members have long experience in the business, over two decades in some cases. Highlights include a wide range of payment plans and several credit-related financial products.
Your solution for personal and business credit
An excellent option in Alabama for credit repair, Birmingham-headquartered ReScore Solutions was established in 2014. Its greatest asset is its association with a legal firm that can strengthen the dispute process against creditors and collection agencies. Other plus points include its deletion-based fee structure and personalized dispute strategies.
US credit repair companies are subject to both federal and state laws. The two primary federal laws are the Fair Credit Reporting Act of 1970 and the Credit Repair Organizations Act of 1996.
However, unlike several states like New York and Florida, Alabama currently does not have laws specific to credit repair. There are also no requirements for firms to obtain a surety bond or a credit repair license in Alabama.
Yes, credit repair is perfectly legal in the Heart of Dixie. It is just that, in the absence of any State of Alabama credit repair laws, companies or individuals providing credit repair in Alabama for profit have to abide by the two federal laws mentioned above. These laws define the essential credit repair requirements for Alabama, such as prohibited business practices, disclosures before signing the contract, items to be included in the contract, and redressal mechanisms for customers.
So, if you plan to use credit repair services in the state, we strongly recommend reviewing these applicable federal laws and understanding your rights as a consumer.
Credit Saint is often ranked among the best credit repair firms in the US. While the firm is headquartered in New Jersey, it has a strong presence in several other US states and also provides services to customers looking for credit repair in Alabama.
The most important factors that make Credit Saint a top-ranked firm include its experience of nearly 15 years, consistently well-reviewed services, and clear, affordable plans. Its three packages are Credit Polish ($79.99/month), Credit Remodel ($99.99/month), and Credit Sales ($119.99/month). The first-work fees for the first two are $99. The highest plan’s first-work fee, $195, is high for most states. However, it doesn’t sound like such a bad deal if you consider the substantial set-up fee charged by less experienced credit repair companies in Alabama.
Credit Saint also scores on the overall break-up of services across the three plans. There are a few issues, such as the lowest plan limiting the disputes handled to five and lacking some features like inquiry targeting and credit monitoring. The firm’s website is also not as informative as some competitors’ sites that offer more information related to credit repair.
These issues, however, are far outweighed by the firm’s multiple benefits. With an aggressive repair process, explicit 90-day money-back guarantee, and handy credit-related education, and several other plus points, Credit Saint is one of the safest options for credit repair in Alabama.
The Credit Pros is another New Jersey firm, which, despite its relative inexperience, still offers top-quality yet competitive Alabama credit repair. Its initial fees—$119 for the first two credit repair plans and $149 for the highest—are lower than what most firms in the state charge. The monthly fees are $69, $119, and $149, with the included services increasing with the cost.
One of The Credit Pros’ most significant advantages is that you get features like ID theft monitoring, credit monitoring, financial tools, and tradelines at no extra cost. You can also opt for the credit monitoring service alone at $19 per month, a feature not provided by other Alabama credit repair firms.
The Credit Pros has a BBB accreditation, even though its rating stands at B+ at the time of writing. It also boasts an excellent Trustpilot score of 4.5. The firm further stands out with its tech-focused approach to credit repair, including a well-designed mobile app for clients.
However, there are a few things that could keep you from opting for this firm. If you don’t need all the add-ons in the plans, you could find cheaper options in the state of Alabama for credit repair. The Credit Pros doesn’t have a money-back guarantee either, leaving you little recourse if you are dissatisfied with the team’s performance.
800CreditNow is a relatively young credit repair firm, with its USP being the provision of several plans that let you set your expenses based on your needs. You also get assistance in financing auto and home purchases, business loans, and insurance policies, which other top credit repair companies in Alabama don’t offer.
While it’s good to have many choices, that many plans may also confuse clients. The packages are also quite expensive, with exceptionally high up-front fees. There’s a refund policy, but it leaves a lot to the firm’s discretion.
The three monthly plans have down payments of $250, $350, and $500. The monthly fees for these are $75, $125, and $125, respectively. The first covers only medical collections and charged-off credit cards, the second deals with all negative items except hard inquiries, while the third covers all items.
You can also opt to pay $250 per inquiry removal or choose from bulk plans, a common feature among firms offering credit repair in Alabama. The first bulk plan ($1,200) covers repossessions, charge-offs, collections, tax liens, and late payments. The second ($1,500) covers all negative items. Finally, there’s a do-it-yourself plan at $49.99 up-front and $9.99 per dispute for managing the process on your own with the help of the firm’s guidance. Credit monitoring is provided through a partnership with Smart Credit, which costs extra.
Other issues like a low BBB rating and lack of sufficient customer reviews are often seen with local, young firms. That said, the few reviews out there are generally positive, praising the firm’s aggressive process and personal attention to every client.
Another firm focused on Alabama credit repair, ReSource Solutions provides in-house legal assistance through an associated legal team, Kirkpatrick & Associates. This can save you the hassle of looking for an external lawyer when mailing letters to creditors just won’t do.
The firm’s lower plan has a one-time audit fee of $199 and monthly charges of $24.99 for credit monitoring. Collections and charge-offs cost $50 per deletion, while disputes related to repos, unpaid rent, bankruptcies, and debts above $1,500 cost $125 per deletion. The second, more aggressive plan has a one-time fee of $399, a monthly fee of $99, and additional deletion fees. Credit monitoring is included at no extra cost.
For a young firm experienced only in credit repair in Alabama, the fees seem a bit high. The fee break-up is also not very clear and indicates some hidden fee components. We strongly recommend discussing all costs with the firm before signing on the dotted line.
We meanwhile appreciate that the firm talks in detail about the process followed, including the personal attention given to customers in the higher-tier plan. The more expensive fees for this plan generally yield faster results, particularly useful if you have an impending major purchase.
Like many state-focused, young firms, ReScore Solutions doesn’t have the ratings and reviews typical for outfits with a national presence. However, if you are looking for a small firm providing credit repair services in Alabama that can give you personal attention, this may be a better option than more established national companies with local offices.
So, there you have it! Your options for quality credit repair in the state of Alabama range from huge groups with a countrywide presence to small-ish outfits focusing on services in the Heart of Dixie. You also have a wide choice available in the fee structures and the included services. Irrespective of the firm you finally choose for credit repair in Alabama, always take care to do a bit of your own research, review the laws, and read any contract before signing it.