Safeport Law Review [2024]: Credit Repair From Experienced Attorneys

How do Safeport Law’s services work?

If you have damaged credit, you may be looking for a credit repair company to help you improve your credit score. Safeport Law is one such service that will dispute inaccurate information on your credit report in an attempt to have it removed.¹ <p>Coleman Legal, LLC dba Safeport Law, and of counsel attorneys. 133 Main St. LaGrange, GA, 30240. Attorney Advertising</p>

Many credit repair companies employ financial advisors or credit experts to dispute inaccuracies on your credit report. What sets Safeport apart is that they use a team of attorneys to do this work. Knowing that an attorney is disputing errors on my credit report would give me a lot more confidence. Like with other companies, you can request a free credit review, and this can give you a better idea if Safeport Law is right for you before you commit.

Safeport Law plan is called the Credit Cleanse program and it provides the following for $129.99 per month, after the initial $129 work fee:

• Credit report review
• Credit score analysis and tracking
• Challenges to the three credit bureaus
• Creditor interventions
• 24/7 online tracking of your progress

Who is Safeport Law right for?

If you are desperate to fix your credit history, companies like Safeport Law can make the process simpler. They can also tell you what can and what cannot be resolved from your credit. Safeport Law encourages customers to keep paying your bills and improving your credit. The way many debt settlement companies work is that you stop paying a bill to prove financial hardship and then the company tries to settle the debt for less. So while Safeport Law will not help you settle your debt for less, it will help you maintain the integrity of your credit score while you tackle your financial obligations.

Safeport Law develops a personalized plan for improving credit with each customer and comes up with financial strategies that work for each individual situation, but best of all, you have the 90-day money-back guarantee in your pocket if you don’t see results after 90 days.

Who Safeport Law is not right for

I have reviewed many debt settlement and credit repair companies over the years, and I think Safeport Law is lacking in services for the high fees they are charging. For the $129.99 per month charge (plus applicable sales tax), I would expect a company that also offers identity theft protection, cease and desist letters, and help reducing debt or challenging marks against your credit that are your fault, such as late payments.

When my husband was 20, he was rejected for several easy-to-get credit cards. He requested a free credit report and noticed that the credit bureaus had placed several bad marks on his account that actually belonged to his father, even though their names are not the same. These were easy to dispute on the credit bureau websites directly. Yes, it took a little bit of time and the issues weren’t cleared up for a few months, but the whole process was free.

If your credit history issues are minor, there is a good chance you can fix them yourself. Additionally, if you are looking for credit help on a budget, many nonprofit credit counseling services are available for free or low cost. For many states, these costs are capped, meaning there is a maximum amount you can be charged.

How to get started with Safeport Law

While Safeport Law provides credit repair services across the country, it is based out of LaGrange, Georgia. You can contact customer service by calling 800-269-6879 or emailing info@safeportlaw.com.

1. Sign up for a free consultation online. You can get started with Safeport Law by signing up for a free consultation on its website. You’ll need to provide your name, email, state, and phone number. After, Safeport Law LLC or its affiliates will reach out to you. Signing up also gives Safeport Law permission to pull and review your credit report.
2. Meet with a credit counseling specialist. Your next step will be meeting with a Safeport Law specialist to review your credit history and see if there are any inaccuracies that can be disputed.
3. Sign up for Credit Cleanse. If you decide to sign up for Safeport Law’s program, its attorneys will work on your behalf to challenge credit reporting errors and negotiate with creditors. They can dispute errors with all three credit bureaus in an attempt to clean up your credit report and improve your credit score. Safeport Law’s debt settlement services can also help you come up with a plan for how to manage your money and pay off your debt.
4. Track your credit progress online. Safeport Law provides online credit tracking, so you can sign in at any time to see what progress has been made.

What Safeport Law customers are saying

Overall Safeport Law rates well among customers, with a 4.7-star rating from Google Reviews and an A on Better Business Bureau (BBB). Good ratings for credit repair companies are a rarity, especially since people are already financially overwhelmed and many companies can make the problem worse with more fees. BBB reports that it receives 11,000 complaints and almost 900 negative reviews for credit repair companies.

It also does not have any complaints listed in the Consumer Financial Protection Bureau (CFPB) database.

Alternatives to Safeport Law

While Safeport Law can help you dispute mistakes on your credit report, it’s not your only option for credit repair services. Two other options are The Credit Pros and Credit Saint, both of which offer multiple tiers of credit repair plans as opposed to Safeport Law’s single plan option.

If you’re looking for a variety of plans to choose from, The Credit Pros or Credit Saint might be a preferable alternative. Plus, both companies have a number of customer reviews you can peruse online.

Safeport Law vs. The Credit Pros

Both Safeport Law and The Credit Pros offer a money-back guarantee, but The Credit Pros does only offer a 60-day guarantee versus Safeport Law’s 90-day guarantee. The Credit Pros all-in package is more expensive at $149 per month and $149 initial work fee, but it offers many more services than Safeport Law offers. With the $149 per month package, you will receive all the services Safeport Law offers plus identity theft protection, cease and desist letters, creditor interventions, debt payoff and budgeting system, and a $5,000 tradeline to help you improve your credit.

If you are looking to save money, The Credit Pros do offer a cheaper package of $69 per month with a $119 initial work fee. This is comparable to the Safeport Law’s Credit Cleanse package. Where Safeport Law shines is that they have attorneys rather than just credit professionals, and they are available in all 50 states, whereas The Credit Pros are only available in 46 states.

Safeport Law vs. Credit Saints

You can expect both Safeport Law and Credit Saints to offer a 90-day money-back guarantee on their services. Credit Saints’ Credit Polish plan is advertised as a medium-level aggressive approach to credit repair and offers the same level of service as Safeport Law’s Credit Cleanse package. However, Credit Saint’s package is $79.99 per month with a $99 initial working fee. Not only is it cheaper, but it offers educational content and cease and desist letters — whereas Safeport Law does not offer those two options.

Where Safeport Law is the winner is with its attorneys and the fact that it operates in one additional state, South Carolina. Credit Saints uses credit repair specialists and is available in all states except South Carolina.

FAQs

Bottom line

Safeport Law is a legitimate credit repair service that can dispute errors and try to get them removed from your credit report so you can potentially build up a positive credit history. Credit reporting errors are, unfortunately, fairly common and can drag down your score if they are not addressed.

Keep in mind, however, that accurate information can’t be removed from your credit report, even if it’s negative. What’s more, you can obtain a free copy of your credit report from AnnualCreditReport.com, as well as dispute mistakes on your own at no cost.

That said, you may feel that having an experienced attorney to advocate on your behalf is worth paying a monthly fee. For more options, check out our top picks for the best credit repair companies.

Learn More

Attorneys licensed to do credit repair in every state

90-day money-back guarantee if you don’t see results

BBB-accredited with an A rating