Top Oregon Credit Repair 2021

The credit repair process is about improving and restoring credit scores. Since this can rarely be achieved at a leisurely pace, we decided to go through companies offering credit repair in Oregon so that you can have more of an understanding of which businesses to choose. After explaining our methodology, we’ll provide detailed reviews of the top companies active in the state of Oregon; Afterwards, you’ll be able to read what makes credit repair in this area so special. 

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1. Credit Saint

Credit Saint offers transparent pricing and layered packages tailored to your needs. The company’s much-praised customer service makes it stand out in the crowd. However, you have to pay a pretty penny to enjoy their services, and they lack any educational resources that could help you learn from your mistakes. Full Review

  • 90-day money-back guarantee
  • Straightforward pricing models
  • A wide array of services
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Credit Saint offers transparent pricing and layered packages tailored to your needs. The company’s much-praised customer service makes it stand out in the crowd. However, you have to pay a pretty penny to enjoy their services, and they lack any educational resources that could help you learn from your mistakes. Full Review

Speed

5/5

Services

4/5

Support

5/5

Pricing

5/5

2. Sky Blue Credit Repair

Sky Blue Credit Repair obviously doesn’t run for just profit, given their prices. The company offers something really affordable and seems dedicated to aiding people with financial difficulties. The lack of tailored services may constitute a thorny problem, and limited educational material makes it a less optimal choice when compared to other Oregon credit repair firms. Full Review

  • Option to pause membership without paying
  • Affordable prices
  • 90-day money-back guarantee
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Sky Blue Credit Repair obviously doesn’t run for just profit, given their prices. The company offers something really affordable and seems dedicated to aiding people with financial difficulties. The lack of tailored services may constitute a thorny problem, and limited educational material makes it a less optimal choice when compared to other Oregon credit repair firms. Full Review

Speed

4/5

Services

5/5

Support

4/5

Pricing

5/5

3. Lexington Law

This company is the right choice for those who are extremely careful with money, as a plethora of discounts are on the table. Reviews of Lexington Law are mixed, but bearing in mind that it is the largest single credit repair firm in the U.S., some low ratings are to be expected. Full Review

  • Excellent mobile app
  • A wide array of services
  • 30 years of experience in the industry
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This company is the right choice for those who are extremely careful with money, as a plethora of discounts are on the table. Reviews of Lexington Law are mixed, but bearing in mind that it is the largest single credit repair firm in the U.S., some low ratings are to be expected. Full Review

Speed

5/5

Services

4/5

Support

5/5

Pricing

5/5

4. The Credit Pros

The Credit Pros has serious competition in the credit repair industry since businesses do their best to appeal to tech-savvy consumers. They make an effort to cover all social strata with their packages and have an unusual recourse to pay per deletion. Nonetheless, there’s no need to pay top dollar before evaluating other available options. Full Review

  • 90-day money-back guarantee
  • Mobile app for Android
  • AI-driven credit repair software for Oregon customers is available on their dashboard
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The Credit Pros has serious competition in the credit repair industry since businesses do their best to appeal to tech-savvy consumers. They make an effort to cover all social strata with their packages and have an unusual recourse to pay per deletion. Nonetheless, there’s no need to pay top dollar before evaluating other available options. Full Review

Speed

5/5

Services

4/5

Support

5/5

Pricing

5/5

5. Credit Repair Co.

Credit Repair Co. offers something which no other company in the industry has ever advanced – a 1-year warranty guaranteeing that any negative items that reappear will be challenged within one year after your initial sign up for $0! This is the main reason why we have faith that their personalized services will be equally fair despite being undisclosed on the website. Full Review

  • The first credit evaluation is free of charge
  • The company files disputes with seven credit reporting agencies rather than three
  • 1-year warranty
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Credit Repair Co. offers something which no other company in the industry has ever advanced – a 1-year warranty guaranteeing that any negative items that reappear will be challenged within one year after your initial sign up for $0! This is the main reason why we have faith that their personalized services will be equally fair despite being undisclosed on the website. Full Review

Speed

5/5

Services

5/5

Support

4/5

Pricing

4/5

6. Consumer Credit Auditor LLC

Consumer Credit Audit LLC is a small firm that isn’t widely known since it only covers four US states, which is a shame given positive and enthusiastic customer feedback. The only drawback is a lack of information on the company’s website, although they surely provide them once you call them. Full Review

  • Excellent customer reviews and feedback
  • Free initial consultation
  • You can get your money back should you be unsatisfied with the results
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Consumer Credit Audit LLC is a small firm that isn’t widely known since it only covers four US states, which is a shame given positive and enthusiastic customer feedback. The only drawback is a lack of information on the company’s website, although they surely provide them once you call them. Full Review

Speed

4/5

Services

5/5

Support

4/5

Pricing

4/5

Our Methodology 

The most important thing before going through our detailed reviews of each company offering credit repair is that you get an idea of how we organized our research. Here are the factors we considered crucial while looking for the top-rated Oregon credit repair.

  • Customer ratings and reviews

  • Qualifications

  • Availability

  • Experiences and results

  • Professionalism

  • Services and packages

  • The scope of add-ons

  • Discounts

Oregon Credit Repair Compared

Credit Saint
Credit Saint

Best for aggressive credit repair

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  • A wide array of services
  • 90-day money-back guarantee
  • Straightforward pricing models
  • First consultation via phone is free of charge
  • No online chat
  • No educational materials

Pricing

  • After contacting a credit repair consultant for Oregon by phone, you may choose among three offered packages at the following prices: The Credit Polish package is $79.99 per month with a $99 setup fee, and the Credit Remodel amounts to $99.99 per month with an equal setup fee. The most expensive package, Clean Slate, is $119.99 per month with a $195 setup fee.
  • Discounts aren’t shown on the company’s website.

Services

  • The cheapest package offers a medium level of aggressiveness by challenging all three credit reporting agencies and providing you with tailored credit interventions. The Credit Remodel package adds credit monitoring and credit score tracking to the previous strategies. Finally, the most expensive package allows the company to send tailored cease & desist letters, unlimited filing of disputes to credit bureaus, and identity theft protection. At the same time, this package offers the most aggressive level of Oregon credit repair.
  • This company offers no separate add-ons.
  • This company offers no educational resources.

Availability

  • Online portal and toll-free phone numbers can be used for contacting the company.
Sky Blue Credit Repair
Sky Blue Credit Repair

Best for people on a tight budget

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  • Option to pause membership without paying
  • 90-day money-back guarantee
  • Affordable Prices
  • Limited educational materials
  • One-size-fits-all logic behind offered services

Pricing

  • As with most credit repair companies in Oregon, the initial consultation over the phone is for free. After paying the setup fee of $79, you can purchase a single package of services, which is also $79 and is billed monthly. The first six days of the company’s assistance are free of charge. There’s also a couples discount where one member pays setup and monthly fee at half price.

Services

  • The expert team disputes five items per credit bureau every 35 days. They also send and re-send goodwill letters as well as cease & desist letters. Additionally, they provide debt validation and debt settlement.
  • This company offers no separate add-ons.
  • Educational resources are available on the company’s website.

Availability

Reviews of Sky Blue Credit Repair are overwhelmingly positive when it comes to customer support. You can contact experts via phone from 9 a.m. to 5 p.m. on workdays, or by sending your questions through an online portal.

Lexington Law
Lexington Law

Best for discounts

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  • Excellent mobile app
  • 30 years of experience in the industry
  • A wide array of services
  • No money-back guarantee
  • Pending lawsuit from the Consumer Financial Protection Bureau

Pricing

  • After paying the enrollment fee of $6.99 or $14.99 to acquire your credit reports, expect an open buffet of packages. Concord Standard is the cheapest package, amounting to $89.95 per month; Concord Premier is $109.95, whereas PremierPlus is $129.95.
  • Discounts are the most attractive feature of this company: Active-duty soldiers, military veterans, students, and couples get a 50% discount on the setup fee.

Services

  • Concord Standard disputes negative items, intervenes with creditors, and files tailored complaints on your behalf to three major credit reporting agencies. Concord Premier involves a personalized analysis of credit reports as well as a credit score analysis, increased control over your accounts, and exclusive access to monthly support. PremierPlus covers specialty services such as score tracking, tailored cease & desist letters, and personal finance tools. There are only a few credit repair services in Oregon of this kind.
  • This company offers no separate add-ons.
  • Educational resources are available on customers’ online portal.

Availability

You can contact legal advisors and financial experts by phone number, email, or online dashboard.

The Credit Pros
The Credit Pros

Best for a multilingual credit consultation

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  • AI-driven credit repair software for Oregon customers is available on their dashboard
  • 90-day money-back guarantee
  • Mobile app is available
  • Full credit repair coverage is possible only by purchasing two expensive plans, which can not be worth the additional cost

Pricing

  • This company offers a free initial consultation in Spanish and English, which is atypical for the industry. You can choose to pay for either the deletion of an individual item for $100, or packages ranging from as little as $19 to $149. There are four packages in total. You have to pay the enrollment fee, which is $379 if you pay per deletion, $19 for the $19 per month package, and $119 for the $69 and $119 per month packages. Finally, the most expensive setup fee of $149 applies to the $149 per month plan.
  • Discounts are not disclosed on the company’s website, although reviews of The Credit Pros mention couples options.

Services

  • The basic package covers obtaining credit reports and credit monitoring with no credit repair features. Three other plans offer medium and aggressive levels of credit repair depending on the price, as well as a plethora of specialty services, such as sending debt validation letters to creditors or tailored budgeting systems and bill reminders. However, paying an expensive monthly fee for some flashy tools like The Slash RX Program seems excessive, as such a tool is available online for free.
  • This company offers no separate add-ons.
  • Educational tutorials are available on customers’ dashboards.

Availability

Customer support runs from 9 a.m. to 8 p.m. on workdays. The company has an excellent social media presence as well.

Credit Repair Co.
Credit Repair Co.

Best for personalized credit fixing

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  • The company files disputes with seven credit reporting agencies rather than three
  • 1-year warranty
  • The first credit evaluation is free of charge
  • No educational material offered
  • An approximate range of prices would be helpful

Pricing

  • Most reviews of Credit repair Co. single out a totally unique pricing model. The price, in fact, depends on the number of negative items on your credit report. In other words, there are no monthly fees. Instead, you will be only paying once when a credit consultant determines the scope of your financial doomsday.
  • Discounts are not disclosed on the company’s website.

Services

  • It is a bit hard to pin down the exact list of services since the company’s policy of radically personalized credit fixing entails that every customer will get her own pricing model for a specific package of services. Credit Repair Co. does boast about using all the latest financial tools for credit restoration, but no further information has been made available.
  • Add-ons include Fast-track programs for the three major credit bureaus and Rapid Rescoring, which allows the processing of multiple disputes.
  • Educational resources are nowhere to be found on the website.

Availability

A credit repair consultant for Oregon may be reached by phone, but there’s plenty of other options, such as online chat and social media.

Consumer Credit Auditor LLC
Consumer Credit Auditor LLC

Best for its online presence strategies

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  • Excellent customer reviews and feedback
  • Money back
  • Free initial consultation
  • No discounts
  • The exact amount of the initial fee is not transparent

Pricing

  • The initial fee for their credit repair services in Oregon is not disclosed on the website. However, the company does emphasize that there is an initial fee that is due before choosing a specific package. Three different packages are offered for $69, $118, $150, and you can also purchase a bi-monthly service for $167.
  • Discounts are not shown on the company’s website either.

Services

  • The cheapest package includes five disputes monthly per each of the three major credit bureaus. That package also focuses on debt validation letters and creditor interventions, whereas the pricey options get you completely personalized services and meticulous credit report analysis.
  • Add-ons are not available.
  • Educational resources are scanty but present on the company’s website.

Availability

This Oregon credit repair firm has a friendly approach to customers judging by their website, social media presence, and customer service.

What Are The Credit Repair Services?

Credit repair companies in Oregon are your last ray of hope should you end up with legal and financial issues beyond your reach, as not everyone is fluent in the language of bureaucracy or has enough time to master it. In other words, the most efficient way to achieve a much-needed higher credit score consists of outsourcing to consultants and experts hired in credit repair companies.

The primary purpose of these kinds of companies is to remove negative items from your credit report since such items are responsible for poor credit scores. Credit repair services in Oregon range between basic, moderate, and aggressive. The basic level usually includes filing disputes via 609 letters, whereas the medium level concerns challenging credit bureaus, implementing credit interventions, or tracing identity thefts. Finally, the aggressive level assumes that the company will send debt validation letters, cease & desist letters, and goodwill notices on your behalf, as well as provide you with credit monitoring and even identity theft restoration.

If there are any questions left, we advise you to read more about how credit repair works.

What Should You Look For When Choosing the Right Company To Repair Your Credit in Oregon?

The credit repair search process in Oregon amounts to searching not only for legitimate credit repair firms, but also for affordable and effective services. It is crucial to look for the following factors and see which company aligns them in a way that suits your financial situation:

  • Services offered;

In some cases, you’ll need tailored services or pay extra for add-ons. Those born under a lucky star could, however, do well with basic disputes.

  • Company verification;

The credit repair industry is notorious for scams. Always do your research before giving companies your credit card or cash. Better yet, read our reviews!

  • Results expected (program length and number of items removed);

Most people get impatient with the credit repair process. Sometimes this is just annoyance given the severity of one’s financial issues. Hence, do assess the alleged average number of items removed when deciding what the top credit repair services in Oregon are.

  • Fees;

Some live from hand to mouth, while others have money to burn. Look for the fees that are in line with your budget.

  • Customer support and service;

It matters how a company offering credit repair treats you. If employees are available on social media, by phone, online portal, or mail (as well as are kind and helpful) you’re in the right place that’s going to soothe your financial pains.

  • Customer reviews and feedback;

Two heads are wiser than one, and consequently, a million heads are highly relevant for evaluating the ways of a credit repair firm. Read online reviews, and pay attention only to assessments based on such considerations (not to brag, but that’s us!).

  • The availability of educational resources;

You should aim to learn from your past mistakes instead of permanently paying for credit repair services in Oregon.

How Long Does Credit Repair Take in Oregon?

The dynamics of repairing your credit in Oregon depend on two things: how much you’re doomed. and how long it takes for credit reporting agencies to respond to disputes on your behalf. The Federal Credit Repair Act (FCRA) states that credit bureaus have 30 to 45 days to respond to any letters. If you and your credit repair consultant for Oregon do not receive their response, then you may consider yourself fortunate. According to the FCRA, in such cases, credit bureaus are obliged to remove the disputed information from your credit report unless the legitimate debt is valid.

Also, given that credit fixing isn’t just about removing one negative item, you should count on at least 3 to 6 months to navigate and successfully avoid all the major financial pitfalls. Some credit repair companies in Oregon will promise you the most effective and speedy credit repair. Nonetheless, promises are like pie crusts–they are made to be broken. Be realistic in your expectations and adopt a positive attitude.

How Much Does Credit Repair Cost In Oregon?

Credit repair costs in Oregon vary with respect to different companies and services they offer. Judging by those we have reviewed, the monthly fee ranges from $19 to $150. Nonetheless, the setup fee usually costs an arm and a leg. For expensive and encompassing packages, the price is always well above $100 (in one case, even above $300!). What provides a consolation is that each business on this list doesn’t have any additional or hidden fees.

In any case, should you change your mind or go broke, note that you have the right to cancel all services without incurring any penalties within three business days. It’s okay to change your mind and switch to DIY credit repair if you find yourself in a worse financial situation than you began with.

Credit Repair In Oregon At A Glance

Credit Saint – Best for aggressive credit repair
Sky Blue Credit – Best for people on a tight budget
Lexington Law – Best for discounts
The Credit Pros – Best for a multilingual credit consultation
Credit Repair Co. – Best for personalized credit fixing
Consumer Credit Auditor LLC – Best for its online presence strategies

Company for Credit Repair Or DIY Credit Repair?

Many people are pretty reluctant to rely on credit repair consultants for Oregon. This is mainly because the industry is infamous for various frauds. However, DIY credit repair can be complicated and time-consuming, even though you’ll keep money in your wallet. To help you cut the Gordian knot of credit fixing, we’ve listed some reasons in favor and against adhering to each strategy.

Let’s start with the pros and cons of hiring a company to repair your credit.

Pros Cons
Experts could help you restore the credit score faster: they have experience and exactly know what to do. Credit repair companies can’t legally do anything that you can’t do for yourself.
You’re avoiding all the stress and anxiety by outsourcing this soul-destroying bureaucratic business. Credit fixing is a long-term process. It’s better to develop self-discipline and acquaint yourself with the intricacies of credit repair laws in Oregon.
Most companies offer valuable educational resources for helping you procure the much-needed skills of the future self-repair. Educational resources are rarely available for free. Unless you foot the bill for fees – school’s out for summer (sing along, school’s out forever!).

Now let’s see what the pros and cons of DIY credit repair are.

Pros Cons
You won’t give anyone a dime. You’ll design and implement your credit fixing strategy; hence you’ll be the maker and breaker of your score. It’s dubious whether you have the necessary competence to deal successfully with serious financial issues.
You’ll learn in a hard way how difficult it is to repair and improve your poor credit score. Usually, these are the best lessons in life. DIY credit repair is time-laborious. In most cases, people are too preoccupied with their professional and familial duties.
You won’t end up getting scammed. Just read the state of Oregon credit repair laws and Consumer Credit File Rights Under State and Federal Law carefully before hiring a credit repair firm. Also, do the same when a firm provides you a contract.

Why Might Credit Repair Service Be a Better Solution in Oregon?

You should always keep in mind that credit repair companies are obliged to act a bit differently in Oregon. In other words, this is the state where you’re probably most safe when it comes to fraudulent activities of such companies. The white knight in this story is the Department of Financial Regulation.

Specifically, the Credit repair act of Oregon is constituted by several consumer protection laws whose goal is to secure your credit and background information minimally. This means that the employer is not allowed to refuse to hire or discriminate in any way an employee regarding promotion or privileges of employment based on information in one’s credit history. The only exception pertains to employees in banks and law enforcement.

Furthermore, ORS 697.652 and 697.707 mark the legal boundaries of the credit repair field. ORS 697.652 specifies all details of a written agreement, whereas per ORS 697.707, credit repair companies have to describe all services they will perform on your behalf and the amount the customer must pay for each service and all remaining. Besides, there is a credit repair bond requirement in Oregon, which amounts to $10,000. Surety bond requirements are of vital importance since, in such a way, the customers are protected from any potential damage that can result from the actions of a company for credit repair.

To sum up, Oregon puts a heavy load of extra regulatory demands on the industry’s back. For this reason, some of the usual arguments against hiring a company to repair your credit are not applicable here. You would do yourself a favor to hire one.

Summary

Our goal was to help you choose the right company that will repair your credit in Oregon that would answer all your needs. We went the extra mile and provided you with an overview of the most critical information surrounding the process of credit score restoration in Oregon. Remember that Oregon credit repair bonds and consumer protection laws secure your position in the credit repair industry. Thus, you can safely hire a company to aid you in the mission of improving those somber digits of your credit score.

FAQ

How do I choose a reliable company to repair your credit in Oregon?

As in every federal state in America, you choose a reliable company by tracing customer feedback on the web, consulting super clear and helpful reviews like ours, and, finally, by thoroughly checking the company’s website. Besides all that, you should be somewhat familiar with the state of Oregon credit repair laws and the Credit Repair Organization Act that regulates this industry.

Does Oregon require credit repair organizations to be licensed?

There is no specific state license, although registration with the Oregon Department of Financial Regulation is required. This essentially means that credit repair companies are given the status of Credit Service Organizations (CSO status) when they pay a particular amount of dollars for it. Such status helps Oregon track down and control all legitimate companies.

How much does credit repair cost in Oregon?

Credit repair in Oregon ranges from as little as $19 to as much as $150 based on the company. The setup fee is even more pricey since it can even reach $379. Nonetheless, given a load of work and benefits that come out of it, credit repair companies do deserve your Benjamins.