Best Credit Repair Companies in Phoenix

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1 Dream Consultants logo

1 Dream Consultants

2920 E Northern Ave, Phoenix, AZ 85028
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  • Credit Monitoring
  • Credit Dispute

1 Dream Consultants is a credit repair company serving Phoenix and nearby areas. Its team of consultants helps dispute wrong information on its clients' records in order to restore and boost their credit scores in a matter of weeks or a few months. The company believes that changing one's credit can change one's life. One of its clients commented that her credit score jumped 180 points within two weeks of working with the credit restoration company.

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1 Dream Consultants Credit Repair logo

1 Dream Consultants Credit Repair

2920 East Northern Avenue, Phoenix, AZ 85028
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1 Dream Consultants Credit Repair is a credit repair company based in Phoenix. It offers credit repair counseling for individuals who want to improve their credit scores. Depending on the client's needs, the company's credit repair specialists help them create personal plans of action and audit their personal credit. They have experience removing collection disputes, student loans, repossessions, and evictions off a client's credit report. The company aims to provide assistance to any client regardless of their credit score.

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Andorra Credit Repair logo

Andorra Credit Repair

17470 North Pacesetter Way, Scottsdale, AZ 85255
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Andorra Credit Repair is a company founded by Stephanie Black in 2003. It aims to help people improve their credit scores through a prompt action plan that will remove information that is unverifiable, misleading, and inaccurate. The company's credit repair process includes gaining access to its clients' credit reports, analyzing the credit reports, creating a plan on how to rebuild their credit, and executing the plan. Through this, its clients will have a better credit report and have the ability to get higher credit limits.

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ASAP Credit Repair logo

ASAP Credit Repair

11835 North 19th Avenue, Phoenix, AZ 85029
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ASAP Credit Repair is a credit repair company based in Phoenix. Its team reviews credit reports to find opportunities to increase scores. It develops strategies in how to dispute and correct inaccuracies impacting credit scores. The company communicates with credit bureaus on the clients' behalf. Once negative accounts have been removed, the team educates its clients on how to maintain good credit scores. The team specializes in credit fraud, late payments, foreclosures, debt collections, and bankruptcies.

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Credit Absolute logo

Credit Absolute

7702 East Doubletree Ranch Road, Scottsdale, AZ 85258
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Credit Absolute is a credit repair company in Phoenix. The team's mission is to help clients build a more stable financial future by helping them improve their credit health, knowledge, and habits. Their process involves performing a credit audit to find out each client's specific needs and filing credit disputes as overseen by the firm's credit attorney. Their services help some clients recover from the financial damage and stress coming from divorce, while others are given a chance to purchase a home.

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Credit World Financial Services logo

Credit World Financial Services

112 North Central Avenue, Phoenix, AZ 85004
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Credit World Financial Services offers credit repair assistance in Phoenix. This company helps clients resolve debt and bad credit problems, preserving their quality of life. The firm's professionals evaluate clients' credit profiles and create custom plans to improve their credit scores. They assist in debt relief procedures, providing options for collection calls and mortgage payments. In addition, they use an individual approach to handle diverse needs and provide tailored solutions. Credit World Financial Services also offers phone consultations.

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Debt Advisors logo

Debt Advisors

722 E Osborn Rd Ste 300, Phoenix, AZ 85014
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Debt Advisors is a debt relief enrollment company that offers credit repair services in Phoenix. It provides various types of programs designed to help clients resolve their financial situations. The company's experts assist clients with identifying incorrect, outdated, or unfair credit report items. It communicates with the major credit bureaus to verify the details on each report and challenges them via debt validation. During this process, the experts at Debt Advisors educate their clients on how negative items, both inaccurate and correct, are adversely affecting their credit scores. The consultation includes a point-by-point breakdown of the credit score and offers tips on being able to self-identify red flags on a credit report.

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My Credit Guy logo

My Credit Guy

4365 E Pecos Rd Ste 121 &122, Gilbert, AZ 85295
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  • Debt Consolidation

My Credit Guy is a credit repair company that provides debt-relief services in the Phoenix metro. Its credit repair specialists helps remove incorrect items in the customer's credit report, dispute items that violate the Fair Credit Reporting Act and Fair Debt Collections Act, and communicate monthly to give updates and new information. When the client's credit score is restored, My Credit Guy assists the client to qualify for a mortgage, auto loan, and other financing programs. My Credit Guy gives long-term credit education and budgeting strategies.

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Paragon Credit Advisors logo

Paragon Credit Advisors

11811 N Tatum Blvd Ste 3031, Phoenix, AZ 85028
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  • Credit Dispute

Paragon Credit Advisors assists clients in Phoenix in improving their credit scores. The company strives to remove as many negative items from credit reports as possible through its credit repair process. This takes around five months, with around four back-to-back dispute rounds. The process can help clients get lower interest rates for loans, have better chances of being approved for credit cards, and even land job opportunities. The company also provides educational resources regarding credit scores and reports.

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Praxis Credit Consulting logo

Praxis Credit Consulting

4600 E Washington St Ste 300, Phoenix, AZ 85034
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Praxis Credit Consulting is a credit counseling service provider that's been repairing and rebuilding credit for individuals in Phoenix since 2004. It offers comprehensive credit restoration services, including credit report analysis and re-establishment, budgeting, financial education, credit qualification, and credit score repair. The firm uses strict compliance monitoring systems and personalized strategies to clean up credit reports by removing negative, inaccurate, and duplicate items. Its employees are experienced in handling collections, late payments, charge-offs, repossessions, and liens. The company can also deal with foreclosures and identity theft. Praxis Credit Consulting assists clients with judgments, bankruptcies, short sales, and harassment by creditors and collection agencies.

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The Credit Clinic logo

The Credit Clinic

60 East Rio Salado Parkway, Tempe, AZ 85281
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The Credit Clinic is a credit repair company that helps improve credit scores. Established in 1993, the company is based in Tempe and serves clients around the area, including Phoenix. They give a three-step process in achieving better credit. Consultants first review the client's entire credit report in order to evaluate and give a comprehensive credit analysis. From there, the consultants will verify and challenge any questionable negative items. The client can then monitor the progress on their accounts in real-time.

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We Do it Free logo

We Do it Free

7702 East Doubletree Ranch Road, Scottsdale, AZ 85258
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Wedoitfree & Partners is a non-profit credit repair company in Phoenix. It refers clients to their pool of legal partners who help correct credit report errors. The company's partner attorneys also provide assistance in the investigation of identity theft cases and dispute any associated inaccurate information. Other areas of service include credit repair after bankruptcy, charge-off, late payments, student loans, foreclosure, and repossessions. The company also provides services in cases of landlord background checks, employer background checks, and telemarketer harassment.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Q: Is credit repair legal?

A: Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

Q: Can a credit repair company remove late payments?

A: Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

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