1. Home
  2. Credit Repair

Find the Best Credit Repair in Sioux City, IA

Having a below-average credit score in Sioux City can put you at a disadvantage while you're applying for a loan, an apartment or a job. Credit repair companies clean up your credit history and put you on a path to better credit. The Sioux City Journal has partnered with ConsumerAffairs to create this guide by comparing pricing and consumer reviews of 18 businesses and choosing six of the top credit repair companies in Sioux CIty.

Companies pay ConsumerAffairs to be accredited, and The Sioux City Journal and/or ConsumerAffairs may receive compensation when you click a link, call a number, or fill out a form on this site.

Take a Credit Repair Quiz

Get matched with an Accredited Partner

Compare Sioux City Credit Repair Companies

Choosing a credit repair company in Sioux City

sioux city skyline

Credit repair companies in Sioux City offer a number of services to help you raise your credit score. Usually, credit repair companies identify and dispute incorrect information on your credit report. However, many companies offer additional services, like credit monitoring, debt negotiation and financial counseling.

You do not have to use a credit repair company to dispute items on your credit report, but many people find the process difficult to navigate and time-consuming on their own. Choosing a Sioux City company that has the experience to handle these disputes and negotiations can be well worth it.

How much is credit repair in Sioux City?

Sioux City credit repair companies usually charge a one-time setup fee of around $15 to $300 and then a monthly fee between $80 to $150 for the duration of services. Services typically last three to six months, so average credit repair costs, on average, a total of $250 to $1,200.

  • Your setup fee usually covers the cost of requesting your credit reports, an initial audit and an action plan.
  • Monthly fees cover the company’s labor disputing entries, negotiating with creditors and monitoring your accounts.

Many companies offer tiered monthly plans based on the services you need.

Make sure you read the fine print before signing a contract so that you know all costs. According to federal law, credit repair companies cannot ask for or accept payment for disputing services until the work is complete. If a Sioux City credit repair company asks for any payment beyond an initial setup fee before getting started, find another company to work with.

Credit repair laws in Sioux City

The state of Iowa follows all federal requirements for credit repair set forth in the Credit Repair Organizations Act, which protects consumers from credit repair scams. This law restricts credit repair companies from making misleading claims and prevents businesses from accepting payment for credit repair services in advance.

Additionally, Iowa requires that all credit repair companies register with the state and maintain a surety bond. The surety bond exists for company accountability and to cover any damages or losses a customer incurs if a company breaks the law.

Sioux City credit repair FAQ

Is credit repair legal in Sioux City?

Yes. Credit repair is a federally regulated industry, and it’s legal in all 50 states. National and state laws protect consumers from credit repair scams. However, you should still stay away from any companies that make unbelievable claims or ask for service payment before disputing your report.

Are credit repair scams common in Sioux City?

Thanks to an increase in credit repair regulation, scams are less common than they used to be. However, they do still happen. No legitimate companies ask customers to lie or falsify information, and they should never stop you from contacting credit report companies yourself. You should also never pay for credit repair upfront.

Is 460 a good credit score?

Unfortunately, no. The credit score scale goes from 300 to 850. Generally, anything above 680 is considered good. The average credit score in Sioux City is around 690. Someone with a lower credit score may have trouble competing for housing, loans, credit cards and some jobs.

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act is a law that gives you the right to access the credit bureau’s information on you and sets the parameters for disputing that information. This law also regulates how credit reporting groups collect, access, use and share your data. It requires anyone denying your application for employment, credit or insurance to tell you if they’ve done so because of your credit score.

What do Sioux City credit repair companies do?

In exchange for a fee, credit repair companies contact the three credit reporting bureaus— Equifax, Experian and TransUnion— to view your credit report, dispute any errors and negotiate with creditors to remove negative items from your report. This is all work you can do yourself, but many people find paying professionals to do it saves time and is more convenient.

Sioux City credit repair company information

Credit Saint

Credit Saint assigns a team of specialists to watch over your case and keep you updated on your progress. It also has an online portal so you can check in on your status 24/7 without having to speak to a company representative. Expect to pay a $99 setup fee and then $79.99 per month for ongoing credit repair services.

Credit Saint Learn More (478) 845-6310

Sky Blue Credit Repair

Sky Blue Credit Repair writes customized dispute letters for 15 items— five per credit bureau— every 35 days, and it has a 90-day money-back guarantee. This company charges Sioux City clients a $79 setup fee and then $79 per month. The price includes access to special services like debt validation, goodwill letters, and cease and desist letters.

Sky Blue Credit Repair Learn More (888) 751-6072

The Credit Pros

The Credit Pros offers a variety of services, including credit monitoring to help detect identity theft. Popular credit repair services in Sioux City include goodwill letters, cease and desist letters and debt validation. The company charges a $119 setup fee and monthly rates starting at $69.

The Credit Pros

The Credit People

The Credit People is a credit restoration company available throughout Iowa and the U.S. Initial consultations are free, but the company charges a $19 setup fee and recurring $79 monthly fee for credit repair services. Clients have access to an online portal where they can monitor their progress.

The Credit People

My Credit Focus

My Credit Focus challenges your credit report inaccuracies, including tax liens, charge offs, bankruptcies and other negative items. Its agents also work with you to discuss and reach your credit goals. My Credit Focus charges $99 per month for its services. Call or fill out a form online to get an attorney on your case.

My Credit Focus

CREDIT RX AMERICA

CREDIT RX AMERICA offers credit repair on a per-deletion model, meaning consumers pay a set rate of $99 per deleted item. The company begins with a free audit of your credit report, and then customers approve to dispute certain items. CREDIT RX AMERICA disputes tax liens, judgments, collections, inquiries and late payments to clean up your credit report. Sign up online, call or email for more information.

CREDIT RX AMERICA