Credit Repair Arkansas

Restoring or correcting your credit standing can bring about multiple benefits for consumers everywhere in the US, Arkansas being no exception. If you’re in need of credit repair in Arkansas, however, you would want the best in the state so that your efforts (and money spent) yield actual results. That’s why we prepared a list of the industry’s best. Read on to learn which credit repair services you can trust in Arkansas and get acquainted with the different local and federal laws that protect your rights as a consumer.

Credit Repair Arkansas

Credit Saint Logo

Credit Saint

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.

  • Dispute letters: Yes
  • Score analysis: Yes
  • Cease & desist: Yes 
  • Debt validation: Yes
  • Score tracker: Yes
  • Education: Yes
  • Mobile apps: No
  • Starting Price: $99 (initial work), $79 (monthly)
Lexington Law Logo

Lexington Law

Trusted attorneys helping to fix your credit

This Utah-headquartered company has been in business since 2004 and is the largest among the credit repair law firms in the US. The team’s vast experience—including the removal of over 50 million negative items from credit reports in nearly two decades—ensures that pretty much all your credit repair needs are fulfilled across its three payment plans.

  • Dispute letters: Yes
  • Score analysis: Yes 
  • Cease & desist: Yes 
  • Debt validation: Yes
  • Score tracker: Yes
  • Education: Yes
  • Mobile apps: Yes
  • Starting Price: $89.85 (initial work fee applies)
The Credit Pros Logo

The Credit Pros

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.

  • Dispute letters: Yes
  • Score analysis: Yes
  • Cease & desist: Yes
  • Debt validation: Yes
  • Score tracker: Yes
  • Education: Yes
  • Mobile apps: Yes
  • Starting Price: $119 (initial work), $69 (monthly)
Credit Action Logo

Credit Action

We Get Your ​Credit Woke!

One of the younger credit repair companies in Michigan, Credit Action was set up in 2019 and is headquartered in Taylor, Wayne County. Despite being low on experience, this firm is an excellent option if you are looking for customized credit restoration solutions and effective hand-holding through the repair process.

  • Dispute letters: Yes
  • Score analysis: Yes
  • Cease & desist: Yes
  • Debt validation: Yes
  • Score tracker: Yes
  • Education: Yes
  • Mobile apps: No
  • Starting price: $99 (monthly)

 

Arkansas Credit Repair Laws

Credit repair companies in Arkansas have to follow both federal and state regulations. The two federal laws are the Fair Credit Reporting Act, 1970, and the Credit Repair Organizations Act, 1996. 

On a local level, the credit repair laws in Arkansas include the Ark. Code § 4-91-201, also known as the Credit Repair Services Organizations Act of 2017. We’ve summarized the essentials below, so before you hire any service provider for credit repair in Arkansas, we strongly recommend going through these points to understand your rights.

Definition

A credit repair services organization is a person or entity that offers any of the following services:

Registration and Surety

Companies providing credit repair services in Arkansas are not required to register with any government authority. There are no statewide credit repair licensing requirements either; however, some counties and cities may require a firm to obtain a license to practice. Like many other states, Arkansas also requires credit repair organizations to obtain a surety bond. The bond’s value is $10,000.

Information Statement

The credit repair firm must provide the client with a statement in writing with the following:

Arkansas credit repair firms are required to keep a signed copy of the information statement for two years. 

Contract

The agreement with the credit repair firm must include the following:

Prohibitions and Restrictions

Companies providing credit repair services in Arkansas cannot:

Arkansas credit repair regulations also prohibit local credit repair firms from seeking a waiver from their clients on any of these clauses.

Relief to Consumers

Reviews of Top Credit Repair Companies in Arkansas

Credit Saint

Pros: 

Cons: 

Credit Saint is one of the best credit repair services, not just in Arkansas, but stateside as well. It boasts an extensive nationwide presence, with local teams ensuring a top-quality repair process. Credit Saint is also arguably the best option for credit repair in Arkansas in the absence of solid local firms.

Credit Saint offers a solid experience of close to 15 years in helping people improve their credit. Its services are divided across three affordably priced plans, costing $79.99, $99.99, and $119.99 per month. Even the first-work fees for the two lower plans are reasonable at $99. 

On the negative side, the initial fee of $195 for the highest plan is expensive. In addition, the lowest plan won’t work for you if you are looking for inquiry targeting or credit monitoring. There’s also a limit of five items per dispute cycle with the lowest plan and ten items with the second plan.

These, however, are fairly minor issues. Comparisons with other credit repair companies in Arkansas also confirm that the firm’s overall pricing and service portfolio are competitive.

Other notable advantages with Credit Saint include its consistently high BBB rating, an aggressive credit repair process that includes a free consultation and a clear 90-day money-back guarantee, client education on critical credit-related matters, and a private dashboard to manage your account.

Lexington Law

Pros: 

Cons: 

If you are looking for credit repair professionals in Arkansas with a legal background, this highly-rated attorney-led firm should fit the bill. As elsewhere in the States, Lexington Law has a strong team qualified to provide credit restoration and related services in Arkansas. 

Apart from its nationwide presence, the firm also boasts extensive experience in the business. On the flip side, the firm has recently been involved in a case related to dishonest marketing practices, and its reputation has suffered. That said, Lexington Law remains an excellent credit repair partner.

You have three plans to choose from, with monthly fees of $89.95, $109.95, and $129.95. These are slightly expensive for credit repair in Arkansas, especially given that the cheapest plan includes only bureau challenges and creditor interventions. Even the mid-level plan does not include credit monitoring. 

However, with no first-work fee and unlimited challenges, the bottom line might be comparable to what competing firms charge you. We have also found that this division of services across the three plans often suits customers’ needs. 

Then, there’s the issue of Lexington Law’s consistently poor BBB rating, currently at a C. Again, given the firm’s experience of nearly three decades and largely positive customer reviews, we do not consider it a dealbreaker. 

The Credit Pros

Pros: 

Cons: 

The Credit Pros’ team of credit repair professionals in Arkansas is based in Fort Smith and services most cities and towns in the state. While this firm is not as experienced as some other national-level players, The Credit Pros’ modern, tech-based approach—reflected in its sleek mobile app—and a range of extra services make it another excellent option if you want to repair your credit in Arkansas.

Apart from credit monitoring with all plans, these extra services include different types of ID theft monitoring, financial management tools, tradelines, and prescription savings plans. Its credit repair packages cost $69, $119, and $149 per month, with initial fees of $119, $119, and $149. The overall expenses may seem a bit high for credit repair in Arkansas, but you’ll end up paying a lot more if you were to buy these services separately. 

Another major plus is that this company has a BBB accreditation, giving it a strong pedigree among rival credit repair firms. A BBB rating of B+ and a high Trustpilot score of 4.5 from nearly 200 customer reviews should also sell you on the quality of its services.

However, if you are looking for no-frills credit restoration without the extras, you may find cheaper options for credit repair in Arkansas. Many customers also prefer a money-back guarantee, which acts as a safeguard against unsatisfactory services. The Credit Pros is among the rare top-ranked credit repair firms that do not have a money-back policy.

Credit Action

Pros: 

Cons: 

If you are more interested in a small firm that gets you both personal attention and personalized strategies for credit repair in Arkansas, Credit Action may be the right choice for you. Even though this is a Michigan-headquartered firm, it has a particularly solid practice in The Natural State and is considered among the best credit repair options available for Arkansas residents. 

The firm has a one-tier payment plan, which includes a free credit evaluation and analysis and a monthly fee of $99. A single plan saves you the effort of deciding between varying services across different tiers. It also removes the likelihood of clients in lower plans getting less attention than those in the higher ones. Like many other firms providing credit repair services in Arkansas, Credit Action uses a third-party provider for credit monitoring. You will have to shell out $24.99/month extra for these services.

The most significant issue we see with Credit Action is that it’s been around for just about two years. Consequently, you won’t find many customer reviews to vouch for its services. However, the firm does have a high BBB rating, lending credibility to its claims of top-quality service.

This is ensured through measures like assigning experienced Arkansas credit repair analysts and advisors to work closely with customers. We also like that the firm offers custom dispute letters, personalized strategies, and 24/7 access to updates, all helping with a more efficient credit repair process.  

The Bottom Line

People looking for reliable credit repair in Arkansas have several quality options at their disposal. Our research confirms that all these firms have first-rate teams with the right industry experience to help local residents with all their credit repair needs. Regardless of which you decide to go with, they all have the potential to take your credit score where it needs to be.