Expertise.com

Best Credit Repair Companies in Tempe

2024

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Website
Tempe, AZ
  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

Why choose this provider?

Credit Saint offers credit repair assistance and guidance to clients in Louisville. With over 15 years of expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, judgments, and repossessions. It also counsels clients on the impact of their credit scores on financial activities and on the ways to optimize a positive report when paying bills. Credit Saint also provides clients with a credit monitoring service.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free Credit Evaluation

Lexington Law logo
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Lexington Law

Tempe, AZ
  • Credit Repair
  • Consumer Credit Services

Why choose this provider?

Lexington Law helps ensure fair and substantiated credit reports through attorney-driven credit repair processes. Its unique approach leverages all relevant legal principles and standards to fight for consumer rights and the improvement of its clients’ credit scores. It determines and disputes questionable items that are wrongfully hurting reports and mounts law-backed interventions—disputing bureaus and creditors for the removal of negative items, toward more accurate credit scores. Lexington Law’s consumer advocacy has secured 77 million item removals since its founding in 2004. Directing attorney John Heath has focused the firm’s practice on consumer credit report repair, including the provision of personalized coaching programs for prudent credit management.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.3 / 5 (2911)

Price: Free Credit Report Consultation

Website
4500 South Lakeshore Drive, Tempe, AZ 85282
  • Debt Consolidation

Why choose this provider?

Servicing Tempe, AZ Credit Medix, LLC, was established in 2007 and is a credit restoration, debt negotiation, and business credit company. A solution-driven firm, AZ CM strives to meet customer commitments and requirements promptly. CEO and founder Charles Parker worked for over 9 years in the financial aid industry for the University of Phoenix and The Art Instituted of Pittsburgh. AZ helps families and individuals achieve their financial dreams by working hands-on directly with creditors and credit bureaus.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (46)
Google
4.7 / 5 (16)
Yelp
4.6 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
15333 North Hayden Road, Scottsdale, AZ 85260
  • Credit Dispute

Why choose this provider?

Crystal Clear Credit Repair is a Scottsdale-based business that serves Tempe and the surrounding areas. Its team of credit restoration professionals assists clients along the entire process, from conducting in-depth report analyses and challenging negative report items to providing guidance on maintaining and maximizing improved credit scores. Moreover, they handle negotiations with lenders and communicate with creditors and credit bureaus on clients' behalf. Crystal Clear Credit Repair also serves residents in New York, Nevada, Texas, and California.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
11835 North 19th Avenue, Phoenix, AZ 85029
  • Credit Monitoring
  • Credit Dispute

Why choose this provider?

ASAP Credit Repair has served over 100,000 clients in Phoenix and the nearby areas, including Tempe. Its team of credit professionals reviews clients' credit reports to find inaccurate negative accounts. Afterward, they write dispute letters on the clients' behalf to the credit bureaus so that these inaccuracies can be removed and the credit score can improve. ASAP Credit Repair also offers continuing credit education on how to maintain a positive credit score.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
925 West Baseline Road, Tempe, AZ 85283
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

Del Sol Credit Restoration LLC is a credit restoration firm that serves Tempe and the surrounding areas. It helps clients achieve their financial goals and realize their car and property ownership dreams by offering credit repair services. This firm works with the credit bureaus to challenge the questionable report items. It also provides a platform where customers can track their credits' live progress 24/7. Javier DeLaCruz, the owner, has been in the credit repair industry for more than eight years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
3260 North Hayden Road, Scottsdale, AZ 85251
  • Credit Dispute

Why choose this provider?

Arizona Credit Lawyers is a credit repair company located in Scottsdale. It assists individuals, families, and businesses in the Tempe area and the surrounding communities. Its list of services includes fixing credit report errors and credit repair due to identity theft. Additionally, it assists clients in stopping debt collection harassment. Gary D. Nitzkin leads the team at Arizona Credit Lawyers. He has helped more than one hundred clients with their credit issues. He has filed many Michigan lawsuits under the FDCP and the FCR Acts.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2705 South Alma School Road, Chandler, AZ 85286
  • Debt Consolidation
  • Credit Monitoring
  • Credit Dispute

Why choose this provider?

The Credit Repair Agents serves clients in Tempe and neighboring areas. The company assists customers in cleaning up their credit reports. The process begins through an examination of credit accounts from three bureaus, namely Equifax, TransUnion, and Experian. Afterward, its credit repair specialists will develop a plan with regard to the negative items to be challenged. Its agents will then dispute the items directly with the bureaus. One client recounted how the company was able to cause a large improvement in their credit scores.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4600 East Washington Street, Phoenix, AZ 85034
  • Credit Audit

Why choose this provider?

Praxis Credit Consulting is a credit repair company serving Tempe. Since the firm opened its doors in 2004, it has been helping families qualify for loans by improving their credit scores. Its scope of services covers credit report analysis, credit score repair, credit rebuilding, and credit education. The team offers early morning and weekend consultations to accommodate clients' schedules. Praxis Credit Consulting employs mobile and desktop software where customers can track their progress.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.8 / 5 (49)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4022 East Broadway Road, Phoenix, AZ 85040
  • Credit Audit
  • Credit Dispute

Why choose this provider?

Approved Credit Restoration Inc. is a credit counseling service provider that serves clients in Tempe. It specializes in improving clients' credit ratings by eliminating negative items from their credit records, including late payments, collections, charge-offs, repossessions, foreclosures, and tax liens. Additionally, the company is well-versed in consumer laws and regulations, including the Fair Credit Reporting Act and the Credit Repair Organizations Act. Approved Credit Restoration is also a member of the National Association of Credit Services Organizations.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
60 East Rio Salado Parkway, Tempe, AZ 85281
  • Debt Consolidation
  • Credit Monitoring

Why choose this provider?

Trohive is a credit repair solution company that helps customers in Tempe increase their credit scores and improve their financial status. Its team of credit repair professionals works with credit bureaus and creditors, submits necessary disputes, and updates customers on the status and progress of their credit reports. Also part of their service is advising clients on how these changes affect their overall credit scores. The company uses updated communication channels to make sure clients' information remains secure.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (12)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
1.8
Responsiveness
Friendliness
––
Helpfulness
––
Detail
––

Website
4250 North Drinkwater Boulevard, Scottsdale, AZ 85251
  • Credit Dispute

Why choose this provider?

Dovly is a credit repair and restoration company that serves the locals of Tempe and its nearby areas. The firm was founded in 2018, and it features a credit repair engine that analyzes negative items that are dragging down a client's credit score. These are then submitted to credit bureaus for dispute and removal. Additionally, the firm's credit counselors educate its clients on the basics of credit so they can be more empowered to maintain their good credit standing.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (181)
Facebook
4.6 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3300 North Central Avenue, Phoenix, AZ 85012
  • Credit Dispute

Why choose this provider?

ASAP Credit Solutions is a credit repair firm that caters to customers in Tempe and the surrounding areas. This business can dispute a wide range of issues, such as bankruptcies, collections, foreclosures, hard inquiries, and late payments. Other items include child support, medical bills, public records, repossessions, and student loans. Judgments and short sales are also included. ASAP Credit Solutions works directly with credit bureaus to challenge the negative items on clients' credit reports.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (427)
Facebook
4.7 / 5 (69)
Yelp
3.0 / 5 (8)

Frequently Asked Questions

  • How long does a repo stay on your credit report?

    A car repossession and many other negative items reported to the credit bureaus stay on credit reports for up to seven years. That's from the original date of the delinquency on the loan. Credit repair can't remove legitimate negative items, including repossessions, from credit reports if they're within the standard timeline.

  • Do credit repair companies work?

    Yes, credit repair companies can make use of legal protections to repair some issues related to people's credit. That includes asking the credit bureaus to remove inaccurate negative items. Individuals have a legal right to a fair and accurate credit report, and if a company mistakenly reports a payment as late or someone is the victim of fraud, for example, the bureaus have a burden to investigate and remove the inaccurate information.

  • How long does it take to repair credit?

    Simple inaccurate items might be deleted in 30-45 days, as that's how long the credit bureau has to investigate and respond to a dispute letter. If the reporting creditor responds with documentation to support the negative item, individuals might need to disprove that information and the matter can take longer.

    • Inaccurate late payment: 30-45 days
    • Inaccurate missed payment: 30-45 days
    • Numerous issues from multiple creditors: A few months
    • Fraud or identity theft: Several months to a year or more
    • Rebuilding poor credit: A positive impact is possible within a few months, but building credit is a long-term process
  • Can I repair my own credit?

    Yes, individuals can use many tools a credit repair company uses, including credit dispute letters. But this involves a lot of research and administrative work that credit repair pros are equipped to handle quickly and efficiently. They can also pursue these disputes more aggressively than you may be able to yourself, as you might be attending to other obligations, such as family and work.

  • Can credit repair companies remove charge offs?

    Yes, a credit repair company may be able to get a charge off removed from a credit report. The credit repair company has to prove the charge off is inaccurate. An example of how a charge off might be inaccurate is a situation in which payments were made when the transfer of the debt to a new company was illegal under the contract.

  • Can credit repair companies remove bankruptcies?

    A Chapter 7 bankruptcy can stay on someone's credit report for up to 10 years from the original petition date. A Chapter 13 bankruptcy can stay on someone's credit report for up to 7 years from the original petition date. Credit repair companies may be able to dispute a bankruptcy reported on someone's credit history if it's not their bankruptcy or if it's appearing outside of the date range stated above.

  • Can a credit repair company remove late payments?

    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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