Credit Repair for Illinois | What Options Are Available?

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Updated: 18th Mar 2021
Written by Kim Pinnelli
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March 18, 2021
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Credit repair helps correct incorrect or unfair information on your credit report. It happens more often than you think.

If you haven’t checked your credit report lately, it’s time. If you find anything inaccurate or unfair on it, you may consider credit repair in Illinois.

Is Credit Repair legal in Illinois?

Credit repair is legal in Illinois but know that you can do it yourself too. DIY credit repair takes time and dedication, but you can do everything the credit repair companies can do.

If sharing your personal information or paying a monthly fee doesn’t appeal to you, consider DIY credit repair in Illinois.

Should I Use a Credit Repair Company or Do It Myself as an Illinois Resident?

It’s a personal decision to decide to use a credit repair company in Illinois or do it yourself. It’s easy enough to handle it yourself since every consumer has free access to their credit report annually from each of the three bureaus.

If you can comb through your credit report line by line, write a dispute letter, and follow up, you can do everything credit repair services can do.

But there’s no shame if you can’t or don’t have the time. Several reputable credit repair companies in Illinois can help.

Credit Repair Companies in Illinois

#1. Credit Saint

Credit Saint is the top choice for most consumers looking for credit repair services. They offer several credit repair packages, stand behind their work with a 90-day money-back guarantee, and have a proven track record.

It all starts with a credit professional reviewing your credit report and telling you if they can or can’t help you.

It’s like getting a free consultation, and then you can decide from there what works or doesn’t work for you.

More Details:

  • Price: $79.99/month – $119.99/month
  • Packages: Three packages are available, but the Clean Slate is the most popular, they also offer the Credit Polish and Credit Remodel package at lower prices
  • Results: Most Illinois consumers see results within 1 – 2 months

Learn More: Credit Saint Review

#2. Sky Blue Credit

Sky Blue Credit has been in business for over 30 years and offers one package for simplicity. The package allows disputes of up to 5 issues per credit bureau.

Sky Blue professionals will dispute 5 tradelines on Equifax, TransUnion, and Experian monthly.

Like Credit Saint, Sky Blue offers Illinois residents a 90-day money-back guarantee if they are unhappy with the services and/or results.

Sky Blue also promises customized disputes for each individual rather than cookie-cutter letters sent that may not have as much of an impact.

More Details:

  • Price: $79/month
  • Packages: Sky Blue offers one membership package
  • Results: It can take up to 60 days to see results

Learn More: Sky Blue Credit Repair Review

#3. Lexington Law

If having lawyers fighting for your consumer credit rights makes you sleep better at night, consider Lexington Law.

As one of the most popular credit repair services in Illinois, Lexington Law, has helped millions of people correct their credit reports.

The benefit of having lawyers on your side is they know the law and what rights the credit bureaus and/or creditors violate when they incorrectly or unfairly report information on your credit report.

Lexington Law has three packages to choose from, allowing Illinois consumers to choose what works for them.

More Details:

  • Price: $89.85 – $129.95/month
  • Packages: Lexington Law has three packages ranging from the Concord Standard, which is a basic plan, to the moderate Concord Premier, and the advanced and most popular Premier Plus package.
  • Results: Lexington Law states they remove an average of 10 items every 4 months for Illinois residents

Learn More: Lexington Law Review

#4. Illinois Credit Services

Illinois Credit Services helps Illinois residents repair their credit. The owner of Illinois Credit Services has over 25 years of experience in the credit industry, giving consumers access to helpful credit services, whether repairing or rebuilding credit scores.

Like any credit repair agency, Illinois Credit Services can only fix incorrect or unfair credit lines, they cannot erase bad credit if it’s correct.

But, if you know there are errors or a creditor reported unfair information about you, Illinois Credit Services may help.

More Details:

  • Price: $189 (first work) and $99 per month for singles or $239 (first work) and $149 per month for couples
  • Packages: Single package available
  • Results: Like most credit repair services in Illinois, results vary, but you may see changes within 30 to 60 days

>> Want to Compare More Options? Check out our list of the best credit repair companies.

How to Choose a Credit Repair Company in Illinois

#1. Price

Price is an important consideration. While you shouldn’t choose a credit repair service in Illinois because they charge low prices (it’s probably a scam), you should make sure the costs fit within your budget.

Since credit repair services may last for 6 months or longer, make sure you can afford it.

#2. Make Sure They Have a Good Reputation

It’s no secret there are scam credit repair services out there. Don’t take a chance. Use our reviews and your own research to make sure a credit repair agency has a good reputation.

#3. Good Customer Service

Let’s face it, dealing with negative credit information is overwhelming and scary. If you’re paying for a service, you want good customer service, so you know you’re in good hands no matter what questions or concerns you have.

#4. Proven Results

What good does it do to pay for credit repair services in Illinois if they don’t help?

Look at a company’s track record and/or read reviews from ‘real customers’ to make sure you find a company that can handle your situation well.

DIY Credit Repair in Illinois

Don’t forget, you can do credit repair yourself. I know it sounds scary, but DIY credit repair is possible with a little dedication and time.

You’ll write your own credit dispute letters and have to review your credit report line by line, but with enough effort, you can do the same thing credit repair services do for free.

If you want to move forward with this option, then check out our action-items below:

Credit Repair Services in Illinois

Illinois consumers have many options for credit repair services. If you want a lot of options and a 90-day money-back guarantee, Credit Saint is a great option.

If you prefer to have attorneys on your side, Lexington Law will provide what you need, and if you want more basic options with one package for everyone, Illinois Credit Services and Sky Blue Credit are great options.

Related: Credit Repair Chicago

Credit Repair Regulation in Illinois

The state of Illinois has your back as a consumer. All credit repair agencies must register with the Secretary of State before doing business in Illinois and carry an appropriate bond.

All credit repair services must follow the federal guidelines for credit repair services, and all consumers may sue the agency if they violate any consumer rights.

Illinois Credit Repair FAQs

How Much Does Credit Repair Cost in Illinois?

The cost of credit repair in Illinois varies by company. Some have one charge across the board, and others offer various packages to suit your budget and/or credit repair needs.

You’ll usually pay between $79 – $129 per month for the services.

Is Repairing Your Credit in Illinois Safe?

As long as you do your research and use a reputable credit repair company in Illinois, your information and finances are safe. There are plenty of scams, though, so do your research first.

Can You Get a Free Credit Report in Illinois?

Yes, residents of Illinois can get a free credit report. Whether you live in California, Texas, Arizona, or North Carolina, all U.S. residents can get a free credit report from annualcreditreport.com.

Bottom Line: Credit Repair in Illinois

Credit repair in Illinois is important if you have inaccurate or unfair information reported on your credit report.

As a consumer, you have rights. You can fight the rights yourself (DIY credit repair) or hire a reputable credit repair agency to fight for you.

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Kim Pinnelli
Kim Pinnelli
Kim is a personal finance expert with a Bachelor’s degree in Finance from the University of Illinois at Chicago. She has been freelance writing for 13 years for a number of large publications. Kim thoroughly enjoys helping people take charge of their personal finances.