Credit Repair Illinois

Much like anywhere in the US, Illinois residents may also find themselves in a situation where they need to have their credit rating repaired. Luckily, credit repair in Illinois is a viable option, regardless of whether you live in Chicago or Valley City. Still, how do you select the best? To help you out, we have ranked the firms that will get you top-quality services and great value for money. Browse at your leisure.

The Leading Credit Repair Companies in Illinois

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)
CreditFirm.net Logo

CreditFirm.net

The Trusted Experts in Credit Repair

Among the most experienced credit repair firms in the US, CreditFirm.net has been in the business since 1997 and has teams in both Illinois and Texas. Its low fee and no limits on challenges are the other factors that make the firm a no-brainer if you are looking for no-frills, tried-and-tested services to build your credit.

  • Dispute letters: Yes
  • Score analysis: Yes
  • Cease & desist: Yes
  • Debt validation: Yes
  • Score tracker: No
  • Education: Yes
  • Mobile apps: No
  • Starting Price: $49.99 (monthly)

 

Prolific Solutions Logo

Prolific Solutions

The Way to Better Credit.

Headquartered in Fishers, Indiana, Prolific Solutions is a young firm with a strong Illinois credit repair team. It’s been in the business for just two years, but its relative inexperience is countered by its well-designed, feature-rich, and affordable plans backed by a tech-focused approach to credit repair and a strong rating.

  • Dispute letters: Yes
  • Score analysis: Yes
  • Cease & desist: Yes
  • Debt validation: Yes
  • Score tracker: Yes
  • Education: Yes
  • Mobile apps: No
  • Starting Price: $99.99 (set-up fee), $59.99 (monthly)

 

Prime Credit Advisors Logo

Prime Credit Advisors

Not Your Typical Credit Repair Company

Boasting an A+ BBB rating, Prime Credit Advisors has experience of nearly a decade and is based in Hickory Hills, Illinois. Its efficient credit repair process has won it excellent customer reviews.

  • Dispute letters: Yes
  • Score analysis: Yes
  • Cease & desist: Yes
  • Debt validation: No
  • Score tracker: No
  • Education: Yes
  • Mobile apps: No
  • Starting Price: $325 (flat fee)

Illinois Credit Repair Laws

Is credit repair legal in Illinois? Yes, it is, and specific laws on for-profit credit repair services exist to protect consumers from exploitation. All companies licensed for credit repair in Illinois are subject to both federal and state laws. On a federal level, the Fair Credit Reporting Act, 1970, and the Credit Repair Organizations Act, 1996, exist to protect your rights as a consumer.

Locally, the credit repair organization act by the State of Illinois is the primary law governing the practices of credit repair firms in the state. We’ve summarized the most important information below.

Note, however, that credit repair lawyers in Illinois are exempt from these regulations if they provide these services within the scope of attorney practice. Some other entities, such as non-profits, real estate brokers, credit unions, and so on, are not covered by these laws either.

Definition

A credit services organization means an entity that, for a fee, provides or represents that it will provide any of the following services:

Registration and Surety

Companies providing credit repair in Illinois must obtain a surety bond of $100,000 and register with the Illinois Secretary of State, Index Department. To get a credit repair certification in Illinois, companies must provide the following information:

Illinois credit repair business requirements don’t include a statewide license. However, some counties or cities may ask companies to obtain a permit to operate within their borders.

Information Statement

All Illinois credit repair firms must share a written disclosure with their customers that includes:

The credit repair firm must maintain a copy of the information statement, signed by the customer, on file for two years.

Contract

Contracts between companies providing credit repair in Illinois and their customers must include:

Prohibitions and Restrictions

Credit repair companies in Illinois or their agents cannot:

Relief to Consumers

Reviews of Top Credit Repair Companies in Illinois

Credit Saint

Pros:

Cons:

Credit Saint is often ranked among the top credit repair firms in the US. It is known for its aggressive repair process, well-designed payment plans, a clear 90-day money-back guarantee, and several other thoughtful features. An even more important advantage is its extensive experience, partly thanks to its strong countrywide presence. The firm is also licensed for credit repair in Illinois.

Credit Saint offers three plans—Credit Polish, Credit Remodel, and Credit Sales—with the number of included services increasing alongside the fee. You have limits of five and ten items per cycle with the lower plans and don’t get inquiry targeting and credit monitoring with the lowest plan.

The monthly fees of $79.99, $99.99, and $119.99, respectively, are pretty reasonable given the general cost of credit repair in the state. The $99 first-work fees for the first two plans are also on par; however, the first-work fee of $199 for the highest-tier plan is above-average for Illinois credit repair.

The only other noteworthy negative with Credit Saint is the lack of resources on its website. The firm claims to help clients with credit-related education, which may very well be valid. However, this is not reflected in what it shares on its website, which is among the most bare-bones credit repair sites we have come across.

On the whole, though, there’s not much to find fault with Credit Saint’s offering. Its experience and strong reputation built over 15 years and consistently positive customer reviews make it an excellent option for credit repair in Illinois.

CreditFirm.net

Pros:

Cons:

In terms of experience, CreditFirm.net’s 23 years in the credit repair business score well above most reputed competitors. The other significant plus is that its fee for credit repair is among the lowest in the industry, especially considering that there are no limits on disputes you can get addressed.

CreditFirm.net offers a straightforward payment plan with a monthly fee of $49.99. Even young credit repair companies in Illinois, without a proven record, charge nearly twice this amount along with a hefty setup/audit fee.

Despite this low fee, the firm’s credit repair process is comparable with or better than most other companies. Apart from speed, you also get excellent customer service, no hidden fees, and the freedom to cancel your contract at any time. Even better, this monthly service covers a detailed credit audit and unlimited bureau challenges, inquiry challenges, goodwill interventions, escalated info requests, and debt validation.

Of course, you can’t get everything when you are paying a low fee. Unlike some other firms providing credit repair in Illinois, CreditFirm.net doesn’t offer a guarantee. There are also no credit monitoring or personal finance tools either. These are not critical factors, but we believe the firm could have kept its pricing competitive even if it included these services.

Other areas of concern include the firm’s low BBB rating and the abysmal Trustpilot score of 2.6, both of which reflect poorly on reputation. Another area of improvement is the CreditFirm.net website. Its outdated layout is not mobile responsive, suggesting a lack of helpful digital tools for clients.

Prolific Solutions

Pros:

Cons:

Prolific Solutions is among the few firms licensed for credit repair in Illinois that have a BBB accreditation. Its solid A- rating should also help offset some concerns about the firm’s inexperience. The firm’s two-year stint in the business has obvious disadvantages, including few customer reviews.

However, there’s much to like about its offerings, most notably its well-designed payment plans. The firm offers three packages: Repair Plus, Repair Pro, and Repair Max. These come with the freedom to take a subscription pause of 60 days, a feature few other firms offer, giving you more flexibility in managing the repair process.

The monthly fees for the packages are $59.99, $89.99, and $119.99, respectively. With a setup fee of $99 for all three, these plans are cheaper than the typical fee for credit repair in Illinois.  Repair Pro adds hard inquiry aid and creditor interventions to the Plus features, while Max also has cease and desist letters and bankruptcy and repossession mitigation. Thus, what you pay depends on the severity of your case and the required strategies.

The plans are made even more attractive by the inclusion of monitoring, fraud protection services, and $25,000 theft insurance across the board. The one major concern with the packages is the very low monthly limits on inaccurate items per bureau. The limits of one, three, and five for the Plus, Pro, and Max plans mean that if you have several issues in your reports, you may be better off with another team of credit professionals or credit repair lawyers in Illinois.

Prime Credit Advisors

Pros:

Cons:

The most striking aspect while evaluating Prime Credit Advisors has been its overwhelmingly positive customer reviews. Even though the firm does not have a Trustpilot page, its reviews on some other reputed sites show very positive feedback for its friendly customer service and efficient repair process. The firm’s A+ BBB rating lends further credibility to these reviews.

These factors are primarily why we haven’t docked too many points despite the firm’s opaque pricing policy and lack of sufficient information on the repair process. You aren’t just likely to pay more than the average cost of credit repair in Illinois, but you also won’t know what your fee will be beyond the base rate of $325 until the free consultation.

This is particularly expensive considering that you don’t get useful services like credit monitoring, debt validation, and personal finance tools. While customizing the fee based on the client’s specific case sounds like a good idea, we feel that a clearer picture of the expenses beforehand helps customers choose from various options better.

That said, the Prime Credit Advisors team seems to follow an aggressive repair process perfected for over a decade in the industry. Here, you are likely to get the personal attention that is not always the case with credit repair companies in Illinois, resulting in faster dispute resolution. The firm also has a 100% money-back guarantee, allowing you to ask for a refund if dissatisfied with the process.

Summary

Illinois follows a trend seen in several other states in that the best options for credit repair are a mix of huge national firms and smaller local ones. Both kinds offer their own advantages. Among the firms listed here, the one that works better for you if you are looking for efficient and effective credit repair in Illinois will depend on your specific needs. To better use your money and time, we suggest doing your background research and understanding the applicable credit repair laws.