Credit Repair in Oregon

Having your credit up to snuff is a good thing regardless of whether you live in the Eastern Seaboard or the picturesque Pacific Northwest. If it’s the latter and you’re looking for reliable credit repair in Oregon, we have the scoop on the top choices in the Beaver State. And since it helps to understand your rights, we have also added a summary that simplifies the legalese from the credit repair act in Oregon.

Leading Credit Repair Companies in Oregon

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)
Ovation Credit Services Logo

Ovation Credit Services

Take the first step to improve your credit

Established in 2004, Ovation is a LendingTree company founded by a credit repair attorney team. The Florida-based company has helped improve over 120,000 credit profiles and, apart from its top credit repair services, is known for credit education and monitoring.

  • Dispute letters: Yes
  • Score analysis: Yes
  • Cease & desist: Yes
  • Debt validation: Yes
  • Score tracker: Yes
  • Education: Yes
  • Mobile apps: No
  • Starting Price: $89 (initial work), $79 (monthly)
Consumer Credit Auditors Logo

Consumer Credit Auditors

We Enjoy What We Do. Your Credit will Shine!

With offices for credit repair services throughout the Pacific Northwest and Nevada and industry experience of nearly 20 years, Consumer Credit Auditors is one of the top firms for credit repair in the Western US. The firm’s highlights include its reasonably priced monthly plan and customized repair process.

  • Dispute letters: Yes
  • Score analysis: Yes
  • Cease & desist: Yes
  • Debt validation: Yes
  • Score tracker: No
  • Education: Yes
  • Mobile apps: No
  • Starting Price: $150 (review), $69 (monthly)

 

Blue Water Credit Logo

Blue Water Credit

Credit Repair Solutions That Make Your Financial Future Thrive

Among the top California credit repair companies since 2008, Blue Water Credit also has a strong presence in many other states. Based in Roseville, the company is known for its highly customized services, including a personalized credit repair plan and a dedicated case manager.

  • Dispute letters: Yes
  • Score analysis: Yes 
  • Cease & desist: Yes 
  • Debt validation: Yes
  • Score tracker: Yes
  • Education: Yes
  • Mobile apps: No
  • Starting price: $249 (enrollment fee) $149 (monthly)

Oregon Credit Repair Laws

As is the case with all other states, Oregon credit repair firms have to follow both federal and state laws. The applicable federal laws are known as the Fair Credit Reporting Act of 1970 and the Credit Repair Organizations Act of 1996.

Specifically for the State of Oregon, credit repair laws are covered under Oregon Revised Statutes (ORS) 697.602 to 697.842. The rules for credit repair in the Beaver State are more detailed than in most other states, so we’ve tried to summarize and simplify them for your convenience.

Definition

A credit repair consultant for Oregon or for-profit firms providing credit repair in Oregon are referred to as “debt management service providers” in the state laws. However, for a clearer understanding, we have stuck to “credit repair firm/company/service” in this summary. Debt management service is defined as performing any of the following for a fee:

Credit repair lawyers in Oregon are exempted from these laws if they provide debt management services incidentally. There are some other exceptions, such as financial institutions or trust companies.

Registration and Surety

Firms must register with the Director of the Department of Consumer and Business Services, with the registration valid until December 31 of each calendar year. They are also required to obtain a surety bond of $10,000 issued by a surety company registered to operate in the state.

A firm must also establish a trust account with an insured institution in the state to keep customers’ funds held by the firm.

Disclosure Statement

An Oregon credit repair firm must make the following disclosures to the customer before charging or receiving a fee:

Contract

Credit repair companies in Oregon must enter into a written contract with any customer before performing any services for the customer. The contract must include the following: 

The contract between the Oregon credit repair firm and the customer must also include statements informing the latter that:

Any firm providing credit repair in Oregon must provide the estimated time to complete the services identified in the contract. It must also deliver to the customer each calendar quarter a financial statement of the customer’s funds if it holds any.

The contract must also state that upon the contract’s cancellation by the customer within three business days, the firm must refund all fees the customer may have paid. If canceled later, the firm must return any of the customer’s funds not yet expended by the firm.

Finally, before signing the contract, the credit repair firm must give the customer a budget analysis, evaluating if the firm’s proposed services will benefit the customer.

Fees

A firm providing credit repair services in Oregon can charge its customers only the following fees:

The director may adjust the fee limits indicated here to reflect changes in the US City Average Consumer Price Index or in accordance with fees charged in other states.

Prohibitions and Restrictions

Credit repair companies in Oregon or their agents cannot:

Waivers and Exemptions

Relief to Consumers

Reviews of the Top Credit Repair Services in Oregon

Note that the fees mentioned in these reviews are the firms’ standard payment plans. Unlike most US states, since Oregon has regulations limiting the fees that credit repair firms can charge their customers, the state residents’ actual cost of services may differ.

Credit Saint

Pros:

Cons:

Credit Saint finds a place among the firms providing the best credit repair in Oregon for the same reasons it is often listed as one of the top credit repair firms stateside. The service outperforms on critical fronts such as reputation, customer feedback, and spread of services across the offered plans.

The firm offers three plans with affordable monthly fees of $79.99, $99.99, and $119.99, respectively. The lowest plan gets you five challenges per dispute cycle, score analysis, score tracking, and creditor interventions. Additional features, such as inquiry targeting, credit monitoring, and more challenges, are added as the fees go up.

While the $196 initial fee for the highest plan is expensive, state residents may have to pay a lower amount given the laws governing Oregon credit repair services. Credit Saint’s packages are well-tailored for consumers’ needs; however, there are minor issues like the low challenge limit and absence of monitoring in the lower plan.

One other general complaint is that the firm’s website could provide more resources for potential customers to judge what they are getting into. Of course, Credit Saint’s many other positives should be more than enough to dispel any concerns.

The firm has better customer reviews and more substantial experience than any other firm offering credit repair in Oregon. You also benefit from its well-reviewed aggressive dispute process, a 90-day money-back guarantee, and overall high service quality.

Ovation Credit Services

Pros:

Cons:

Ovation Credit is part of the LendingTree financial group, and the backing of a publicly traded firm lends it significant credibility. Its BBB accreditation and A+ rating also make it a great option for the best credit repair in Oregon. Plus, if you are looking for a team led by a credit repair attorney for Oregon, Ovation is an obvious choice.

Ovation’s overall fee structure is among the most affordable among top US credit repair firms. Ovation offers two plans—Essentials and Essentials Plus—costing $79 and $109 per month, respectively. The initial fees for both are $89; you also get discounts for military personnel, couples, and seniors. Moreover, you can pay an additional $25 for a fast-track service.

Ovation is also among the few firms that clearly mention on their website that the fees are likely to be different for credit repair services in Oregon. Therefore, Oregon residents should check the fee structure during the initial consultation.

Talking of consultation, the firm offers it on the phone only, one of its chief negatives in our analysis. A one-on-one consultation gives customers a better opportunity to assess the service provider. The other minus points are the firm’s unclear refund policy and a low score on customer support.

On the whole, though, Ovation Credit has sufficient industry experience and strong enough customer reviews that potential clients looking for credit repair in Oregon should not be particularly worried about the service quality.

Consumer Credit Auditors

Pros:

Cons:

While large credit repair firms with a nationwide presence offer several benefits, some customers prefer smaller, local outfits where they can get personal attention and customized solutions. Consumer Credit Auditors is the best option for you in this category of smaller credit repair companies in Oregon. The firm has its local headquarters in Portland and brings an experience of nearly two decades to the table.

The firm offers two plans, the first of which costs $69/month for the basic service of disputing inaccurate items in your credit reports. There’s a monthly limit of five items per credit bureau. This fee is pretty reasonable, even though it does not include credit monitoring.

On the other hand, the initial credit rescue plan, incorporating measures like report review, discrepancy identification, and strategy formulation, will set you back by a hefty $150. Not only is this a tad expensive for Oregon credit repair services, but you will also have to pay an extra monthly fee of $118 to include creditor level disputes. The second plan, called the bi-monthly service, doubles all the features of the basic plan and costs $167/month, but it doesn’t dispel the impression that the firm’s overall pay structure isn’t very cost-effective.

Consumer Credit Auditors does not have a BBB rating yet and lacks sufficient customer reviews. However, the few reviews available on reputed sites are largely positive. Thus, apart from having better industry experience than most Oregon credit repair companies, the factors that work in its favor include its well-defined dispute process and the useful resources on its website.

Blue Water Credit

Pros:

Cons:

Another firm known for its personalized approach and stress on credit-related education is the California-based Blue Water Credit. Several other positives, particularly the firm’s flexible payment plans, make it an excellent option for credit repair in Oregon, especially in the Portland area.

Unlike most other top-quality credit repair firms, Blue Water Credit does not have pre-decided fees. It provides monthly fee ranges for its packages for individuals ($149–$199) and couples ($249–$299), with one-time setup charges of $249 and $399, respectively. The plan features are common across the two and include a dedicated case manager, personalized repair process, online customer portal, and unlimited challenge items per dispute cycle.

While we like the significant savings for couples, the overall very high cost is of concern. Of course, given the regulated fees for credit repair in Oregon, the expense for state residents may be lower.

We also like the firm’s focus on credit education, which ensures that clients get long-term benefits from the repair and credit building process. Moreover, Blue Water Credit’s process has great customer reviews, especially concerning its shorter dispute cycle than the industry standard.

On the other hand, reviews of its customer support are middling. The firm’s BBB profile is being updated and isn’t available at the time of writing this review. Unlike most Oregon credit repair companies, Blue Water Credit mentions a no-risk cancellation and refund policy on its site; however, no details are provided, and this lack of clarity weakens the claim of hassle-free refunds.

The Bottom Line

Owing to the several differences between the Oregon credit repair laws and those of other states, several firms present in the rest of the US do not have offices in the Beaver State. Despite this, there are several excellent firms to assist state residents looking for quality credit repair in Oregon. The information shared here needs to be complemented by a bit of your own research, and you’ll be all set for an improved credit profile.