Credit Sage Chicago

• Understand what is on your credit reports from each major bureau.
• Identify inaccurate, outdated, or unverifiable information.
• Challenge credit report errors with creditors and credit bureaus on your behalf.
• Work toward improving your overall credit profile so you can pursue goals like buying a home or car, qualifying for better interest rates, and increasing your approval odds.

Types of items we may address

According to the Credit Sage website, many credit reports contain mistakes or serious errors. Examples of negative items that may be reviewed for potential inaccuracies include:

• Collections
• Charge-offs
• Late payments
• Bankruptcies
• Incorrect balances
• Incorrect names or addresses

Credit Sage challenges erroneous information with the goal of helping you achieve a healthier, more accurate credit report. Individual results vary, and no specific outcome is guaranteed (see Important disclaimers and limitations).

This information is summarized from the legal and footer text on the Credit Sage website.

Not a law firm and no legal advice

• Credit Sage is not a law firm.
• Credit Sage does not offer legal advice and is not a substitute for legal services.
• For debt or credit issues that involve legal questions, you should contact a licensed attorney in your state, whether or not you use Credit Sage.

No guarantees of specific results

• Credit Sage does not guarantee removal of verifiable tradelines or other accurate information from your credit reports.
• Credit Sage does not promise or guarantee any specific credit score increase, approval outcome, or result.
• Any customer stories or examples shown on the website are not a promise of what you will achieve; individual results vary.

Nature of the service

• Credit Sage focuses on identifying and challenging erroneous or inaccurate information on your credit reports.
• The goal is to help you move toward a healthier, error-free credit report, but outcomes depend on your particular situation and on how creditors and credit bureaus respond.

If you have questions about how these limitations apply to you, or need legal guidance about debt or credit matters, you should speak directly with Credit Sage and with a qualified attorney.

• Start with a quick, easy phone consultation with a live credit specialist.
• The goal is to understand your situation and confirm whether Credit Sage's services are a good fit before you sign up.

2. Sign up with Credit Sage

• If you choose to move forward, signing up takes only a few minutes.
• You will be asked for some basic information and a credit report from each major bureau so that your situation can be reviewed in detail.

3. Credit Sage does the work for you

• Credit Sage contacts creditors and credit bureaus on your behalf.
• They handle the dispute and follow-up process for you, working to correct inaccurate or erroneous information.
• You are kept informed while they manage the back-and-forth so you do not have to handle it alone.

This process is designed to help you clean up your credit report now and avoid surprises later. Outcomes depend on your individual situation, and no particular result is promised.

• Credit Experts (for consultations and questions about getting started)

Phone: (833) 821-1397

• Customer Service (for existing clients)

Phone: (855) 777-6580

Email

• General email: hello@creditsage.com

Mailing address

• Credit Sage LLC

2093 Philadelphia Pike Ste 5702 Claymont, DE 19703 United States

Hours of operation (Eastern Time)

• Credit Consultants
• Monday–Friday: 7:00am–8:00pm EST
• Saturday–Sunday: 10:00am–6:00pm EST

• Customer Service
• Monday–Friday: 9:00am–8:00pm EST

If you need the most current hours or additional contact options, please refer to the latest information on the Credit Sage website.

Credit Sage reviews your credit reports to look for information that may be inaccurate, incomplete, or not verifiable, and then challenges those items where appropriate.

This review is aimed at helping you move toward a cleaner, more accurate credit report. It is not a guarantee that any particular item will be removed.

• The Collections resource page lists the names of a large number of collection agencies.
• This list can help you identify the name of a collection agency that appears on your credit report.
• Website path: https://www.creditsage.com/resources/collections

Debt collector numbers resource

• The Debt Collector Numbers resource page lists many phone numbers that are associated with debt collectors.
• This can help you recognize whether a phone number contacting you may be from a collection agency.
• Website path: https://www.creditsage.com/resources/debt-collector-numbers

These resources are informational. For help understanding how a particular collection account or debt collector may affect your credit, you can contact Credit Sage for a consultation using the details in Contact details and service hours for Credit Sage.

Ask anyway — the agent will say plainly that it is not published rather than guess.