Credit Repair in Arkansas | What Are the Best Options?

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Updated: 17th Mar 2021
Written by SimpleMoneyLyfe
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March 17, 2021
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In Arkansas, a bad credit score makes life hard. It makes it difficult to apply for a loan, get a new credit card and can hurt your employment opportunities.

Fortunately, there are credit repair companies and other opportunities in Arkansas to improve your credit score.

To help you make a simple financial decision, we ranked and reviewed the best opportunities for those in Arkansas to repair their credit.

Credit Repair Companies in Arkansas

#1. Credit Saint

If you want to work with a credit repair company in Arkansas, Credit Saint is the best choice.

Credit Saint is a clear industry leader when it comes to credit repair. Pioneering the 90-day money-back guarantee, Credit Saint brings transparency and honesty to the credit repair industry.

The Credit Saint team will review your credit report, identify negative items, and file disputes with all three credit bureaus.

Additionally, select packages offer unlimited challenges and credit monitoring.

Details:

  • Price: $79.99/Month – $119.99/Month
  • Packages: Clean Slate (Most Popular), Credit Remodel, & Credit Polish
  • Results: Customers are known to see results within 30 to 60 days.

Learn More: Credit Saint Review

#2. Sky Blue Credit

Sky Blue Credit is another top choice for credit repair in Arkansas.

The team behind Sky Blue Credit helps American’s challenge inaccurately reported items on their credit report and improve their credit.

With a condition-free 90-day money-back guarantee, fast disputes, and tailored credit advice, Sky Blue Credit is more than capable of helping you take back your credit.

Details:

  • Price: $79/Month
  • Packages: One Payment Plan
  • Results: Subject to vary. Depends on your unique credit situation.

Learn More: Sky Blue Credit Review

#3. Lexington Law

Lexington Law is the oldest credit repair firm in America and has been serving Arkansas residents since its earliest days.

This company will help you challenge inaccurately reported items on your credit report, monitor your credit, and, depending on what package you purchase, you will get access to personal finance tools.

Details:

  • Price: $89.95 – $129.95/Month
  • Packages: Concord Standard, Concord Premier, & Premier Plus
  • Results: Customers tend to see results within 90-days.

Learn More: Lexington Law Review

#4. Creditrepair.com

Those in Arkansas can also turn to Creditrepair.com to repair their credit. That said, the services offered by this company are limited.

So, if you are looking for a more personalized experience and access to a team of credit repair experts, then look elsewhere.

Details:

  • Price: $99.95/Month
  • Packages: One Simple Plan
  • Results: Subject to Vary

Learn More: Creditrepair.com Review

#5. Ovation Credit

Owned by LendingTree – the largest loan comparison marketplace in the U.S. – Ovation Credit helps consumers challenge inaccurately reported items and offers tailored advice suited to meet your needs.

Additionally, Ovation will help you refinance your loans for a competitive interest rate and will help match you with the best financial products.

More Details:

  • Essential Plus Plan: $109.00/Month
  • Essentials Plan: $79.00/Month

Learn More: Ovation Credit Review

>> Ready to compare your options? Check out our round-up of the legitimate credit repair companies

Try Credit Counseling in Arkansas

Apart from working with credit repair companies in Arkansas, you can also work with a verified and licensed credit counselor.

NFCC & Member Agencies

The NFCC is a non-profit organization that will match you with a credit counselor.

Free of charge, this leading brand will help you understand your credit score, manage your debt, and take the right financial steps from here on out.

This service is absolutely phenomenal and warrants serious consideration if you are strapped for cash.

Repair Your Own Credit in Arkansas

In Arkansas, consumers can also repair their own credit. While this process is time-consuming and complex, it can be done.

To start, you need to get a copy of your credit report, review it line-by-line, and take note of what is hurting your credit score.

Here are a few key items to look for:

After you identify errors to dispute on your credit report, you will need to write a letter to all three credit bureaus asking them to remove (delete) the negative item.

If you want to learn more about this approach, then check out our guide on how to repair your credit.

Credit Repair Services in Arkansas

In Arkansas, credit repair services will help you review your credit report, identify negative items, and file disputes with the credit bureaus.

If you want to work with these services, then we recommend either Credit Saint or Sky Blue Credit. Why?

They know how to protect your consumer rights, file disputes, and above all, are transparent about what they can and can’t do.

Credit Repair Regulation in Arkansas

In Arkansas, credit repair services organizations must adhere to the Credit Repair Organization Act (CROA) regulations and the Arkansas State Government.

Both the FTC and the Arkansas State Government protect consumers from credit repair scams and fraudulent activities.

Arkansas Credit Repair FAQs

Is Credit Repair Legal in Arkansas?

Yes, credit repair is legal in Arkansas. You can either repair your own credit, work with an Arkansas credit repair company, or seek help from a credit counselor.

How Much Does Credit Repair Cost in Arkansas?

In Arkansas, credit repair services charge between $70 – $120/Month plus an initial work fee.

Can You Get a Free Credit Score in Arkansas?

Whether you live in New Jersey, Kansas City, North Carolina, or Michigan, all U.S. residents are provided one free credit report from Annualcreditreport.com.

Bottom Line: Credit Repair Arkansas

There you have it. These are the best options for credit repair in Arkansas. Choose a strategy that works for you and commit to it. The sooner you start repairing your credit, the better.

After all, your credit score is the single most important factor in your financial life.

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SimpleMoneyLyfe
SimpleMoneyLyfe
The SimpleMoneyLyfe editorial and research team put hours into our analysis. We are unbiased, transparent, and consumer focused. Collectively, we have appeared on CNBC, US News, Fox Business News, The Huffington Post, and other National Media Outlets.