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Find the Best Credit Repair in Billings, MT

Mistakes on your credit report can hurt your chances of qualifying for a car loan, mortgage or other forms of credit. Credit repair companies help you boost credit scores by disputing and resolving report errors. The Billings Gazette has partnered with ConsumerAffairs to create this guide by comparing pricing and client reviews of 19 businesses and choosing six favorites from the top credit repair companies in Billings.

Companies pay ConsumerAffairs to be accredited, and the Billings Gazette and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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Choosing a credit repair company in Billings

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Credit repair companies provide a number of services, including credit report disputes, credit monitoring, fraud protection and alerts and financial counseling. Before choosing a Billings credit repair company, consider which of these services is most important to you. Some companies provide financial counseling, during which a professional examines your current financial situation, makes recommendations to improve your credit and offers educational resources.

It’s important to verify the legitimacy of the company you’re considering. A legitimate credit repair company:

  • Doesn’t require you to pay for services until they’re complete
  • Only recommends disputing information in your credit report that’s inaccurate
  • Explains your legal rights in written contract that shows what services it will perform
  • Tells you about your right to cancel within three days, at no charge
  • Clearly shows the total cost you will pay
  • Describes any guarantees

Set up a consultation with a credit repair company to go over your credit reports. During this meeting, you can ask a representative about the company’s credentials, how the credit repair process works, a timeline for results and the cost of services.

How much is credit repair in Billings?

Most credit repair companies in Billings charge a setup fee between $15 and $100 and a monthly fee from $60 to $150. Some companies charge a flat fee instead of a monthly fee. Under the Credit Repair Organizations Act, credit repair companies can’t charge you for services before performing the work.

If you choose to do credit repair yourself, there is little to no cost — other than your time. You are able to request a free credit report from each of the three main credit bureaus once every 12 months, and there is no cost to dispute items on your report.

Billings credit repair laws

Under the Credit Repair Organizations Act, it is illegal for credit repair companies to false or misleading claims about their services or capabilities. Credit repair companies must offer a written contract, allow consumers cancellation rights and cannot demand advance payment.

If a credit repair company offers credit counseling or debt management plans, it is required to have a license from the Montana Department of Justice. Some exceptions apply to this rule.

If you believe you are the victim of unfair or illegal business practices by a Billings credit repair company, you can file a complaint with Montana’s Office of Consumer Protection.

Billings credit repair FAQ

How long does it take to repair credit in Billings?

It takes anywhere from 30 days to multiple years to repair credit. The amount of time it takes depends on your personal credit score goal, the number of disputes you make and whether you’re working by yourself or with the help of a professional credit repair company. Credit reporting companies must investigate your disputes within 30 days. Legitimately negative marks on your credit report can last from seven to 10 years.

Is credit repair legal in Billings?

Yes, credit repair is legal in Billings. The companies listed on this guide help consumers fix errors in their credit reports and improve their credit.

What is the Credit Repair Organizations Act?

The Credit Repair Organizations Act is a federal law that protects consumers during the credit repair process. It makes it illegal for credit repair companies to lie about what they can do for you and to charge you before they’ve performed services. Under the law, credit repair companies must explain your legal rights in a written contract, tell you about your right to cancel within three days at no charge, describe how long it will take to get results, show you the total cost you’ll pay and detail any guarantees.

What are the different types of credit repair services offered in Billings?

Credit repair companies in Billings help you repair your credit by disputing inaccuracies on your credit report. They also provide credit report analysis, credit monitoring and financial education tools.

How common are credit repair scams in Billings?

Credit repair scams are not very common in Billings, but it’s important for residents to keep their guards up. Red flags include requiring full payment upfront, failing to communicate your legal rights and advising you to dispute accurate information in your credit report.

Billings credit repair company information

Accredited Partner

Credit Saint

Credit Saint provides free credit consultations and a 90-day money-back guarantee on its services. The company charges a setup fee starting at $99 and a monthly service fee starting at $79.99. Billings residents can check in on their account status 24/7 online.

Credit Saint Learn More (478) 845-6310
Accredited Partner

Sky Blue Credit Repair

Sky Blue Credit writes customized dispute letters for 15 items — five per credit bureau — every 35 days. It has a 90-day money-back guarantee. Sky Blue Credit charges a $79 setup fee and $79 per month for access to all features, including special services like debt validation, goodwill letters and cease and desist letters.

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

The Credit People

The Credit People offers a free consultation that includes copies of your credit reports and scores. Billings clients pay a $19 setup fee and $79 per month for credit repair services. The Credit People also offers a six-month membership for $419 that includes challenging questionable items from your credit report.

The Credit People

The Credit Pros

The Credit Pros offers artificial-intelligence-driven credit repair service to help clients understand their scores and what steps are needed to improve it. The company charges a setup fee starting at $119 and monthly fee starting at $69. Credit monitoring is available for no additional charge.

The Credit Pros

Credit Glory

Credit Glory tackles your credit score by disputing inquiries, bankruptcies, late payments and other inaccurate items. After you pay a one-time fee for an initial audit, Credit Glory agents draft dispute letters for each inaccurate item. Billings customers can choose between three plans: a per-inquiry cost, a per-month cost or a one-time unlimited plan. If no change is made to your credit in the first 90 days, the company refunds your money.

Credit Glory

My Credit Jump

My Credit Jump completes a credit audit, then disputes credit report inaccuracies on your behalf. The credit audit usually takes 48 hours or less and includes a step-by-step plan to repair your credit. The audit costs $199.99, and for each deleted item, you pay $15 per item per bureau. My Credit Jump also offers credit coaching to Billings customers.

My Credit Jump