Expertise.com

2024

Last updated:

Best Credit Repair Companies in Tucson

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Tucson Credit Repair Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

386Reviewed

234Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Tucson, AZ 85719

Expertise.com Rating

Review Sources

Google
4.8 (5317)
Yelp
2.5 (23)

Why choose this provider?

Credit Saint LLC is a New Jersey-based credit repair company that has been serving customers in Tucson and across the country for more than 15 years. Offering expertise in credit scoring, credit reporting, and credit laws, the firm's credit specialists can identify and challenge errors that may be negatively impacting a customer's credit history. They also educate clients on what affects their credit score and what they can do to improve it.

  • Credit Repair
  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
Lexington Law logo

Lexington LawExpertise.com

Tucson, AZ
Free Credit Report Consultation

Expertise.com Rating

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.

  • Credit Repair
  • Consumer Credit Services

2907 E 10th St, Tucson, AZ 85716

Expertise.com Rating

Why choose this provider?

Tucson Credit Repair is a nationally recognized credit repair company in Tucson that helps individuals rebuild their credit and settle debts. The company offers a free credit consultation with one of their trained credit repair specialists to review credit reports and devise an effective action plan. Its consultants assist clients with credit-related issues including identity theft, student loans, and medical bills. By working with the three major credit bureaus, its team of experts can have inaccurate items such as late payments, judgments, bankruptcies, and collection accounts removed. During the repair process, clients can log in to see what negative items have been removed from their credit reports.

202 East 12th Street, Tucson, AZ 85701

Expertise.com Rating

Review Sources

Google
5.0 (10)
Yelp
4.5 (6)

Why choose this provider?

MetaCreditUSA is a credit repair company based in Tucson. Credit specialists from this firm audit credit reports, giving demand letters to creditors and credit bureaus to generate account compliance information. They identify report items that need to be improved and take necessary steps to enhance credit scores. They carry two credit restoration packages, namely, good credit package for 6 to 9 months' duration and elite credit package for 90 days. MetaCreditUSA also files regulatory complaints to effect late-payments and account deletion.

2114 S Freedom Way, Tempe, AZ 85281

Why choose this provider?

Freedom Debt Relief was founded in 2002 to serve residents of Tucson with credit card debt relief leading to financial freedom. The company's certified counselors work with the credit bureaus and negotiate with creditors to reduce harassment calls to their clients. They offer credit counseling and devise personalized plans to enable customers to budget effectively. The firm also assists with collections, bankruptcy, medical bills, debt consolidation, and settlements. Clients benefit from financial education and customized debt management plans, and they can track their progress 24/7 via the online client dashboard. Freedom Debt Relief is certified by the American Fair Credit Council.

22221 S Craycroft Rd, Tucson, AZ 85711
Website

Expertise.com Rating

Review Sources

Yelp
5.0 (6)
Google
5.0 (2)

Why choose this provider?

Serving the Tucson area, TCR Credit Repair provides assistance to residents seeking to resolve errors in credit reports and raising credit scores. The firm handles credit restoration cases and works to eliminate negative items from credit reports by negotiating with lenders. TCR Credit Repair also communicates with credit bureaus and creditors to quickly cut negative items to help improve FICO scores. The company also offers credit repair support in various locations across the U.S.

1842 S Rocky Mountain Dr, Tucson, AZ 85710

Expertise.com Rating

Review Sources

Google
4.7 (13)
Yelp
3.0 (6)
Facebook
5.0 (1)

Why choose this provider?

Founded in 1997, Credit Team USA is a credit repair service company that helps Tucson residents achieve the highest possible credit scores. Its employees analyze credit reports and work to upgrade or eliminate negative information. They compose and deliver appropriate paperwork to the credit bureaus, disputing erroneous or questionable items in the report. The firm assists with late payments, bankruptcies, liens, collections, and judgments. The agency additionally offers credit education, which provides individuals with insight into improving and maintaining credit scores. Credit Team USA uses state-of-the-art software to keep customers updated on the progress of their credit restoration. Clients can also benefit from debt settlements and loan modifications.

4542 E Camp Lowell Dr, Tucson, AZ 85712

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Since 2006, Star Credit Repair has provided credit repair services in the greater Tucson area. It helps clients improve credit scores in preparation for future financial goals, including securing loans and purchasing homes. The team offers credit consultation services to assess credit situations and develop workable repair plans. It works with the three credit reporting agencies to enable instant access to credit scores and challenge the validity of negative items when necessary. The company offers secure online delivery services to simplify the credit repair process. Star Credit Repair delivers daily credit monitoring services that help in maintaining good credit by alerting clients whenever they face a credit issue.

FAQs

  • 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.

Related Articles

FeaturedCreditRepair

How To Hire A Credit Repair Company

Credit repair can improve your financial standing. Learn how to find a qualified credit repair expert who helps build up your...