Best Credit Repair Companies & Helpful Resources
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Most Popular Cities
= Featured Provider
New Haven, CT
Credit Saint
New Haven, CTExpertise.com Concierge Service
New Haven, CTPerfect Credit Consulting
50 Washington Street, Norwalk, CT 06854
Wichita, KS
Credit Saint
Wichita, KSLexington Law
Wichita, KSCredit Score Advocates
402 North River Street, Derby, KS 67037
Clearwater, FL
Credit Saint
Clearwater, FLLexington Law
Clearwater, FLElite Credit Solutions
1936 W. Dr. Martin Luther King Jr. Blvd., Suite 215, Tampa, FL 33607
Oakland, CA
Credit Saint
Oakland, CALexington Law
Oakland, CAPlatinum Credit Solutions
1300 Clay St Ste 600, Oakland, CA 94612
Sunrise Manor, NV
Credit Saint
Sunrise Manor, NVLexington Law
Sunrise Manor, NVBoss-Credit
4055 Spencer St Suite 237, Las Vegas, NV 89119
San Antonio, TX
Credit Saint
San Antonio, TX 78006Lexington Law
San Antonio, TXCredit Restoration - Texas
4203 Gardendale, San Antonio, TX 78229
Clarksville, TN
Credit Saint
Clarksville, TNLexington Law
Clarksville, TNPrime Credit Works
200 Providence Boulevard, Clarksville, TN 37042
Pittsburgh, PA
DPMC Consulting / DPMCUSA, LLC
Pittsburgh, PACredit Saint
Pittsburgh, PA 15213Lexington Law
Pittsburgh, PA
Birmingham, AL
Credit Saint
Birmingham, ALLexington Law
Birmingham, ALA1 Credit Service Inc
3535 Grandview Pkwy Ste 350, Birmingham, AL 35243
Scottsdale, AZ
Credit Saint
Scottsdale, AZLexington Law
Scottsdale, AZThe Credit Clinic
60 East Rio Salado Parkway, Tempe, AZ 85281
Top Credit Repair Companies in other locations
- Credit Repair Companies in Grand Prairie, TX
- Credit Repair Companies in Plano, TX
- Credit Repair Companies in Amarillo, TX
- Credit Repair Companies in Norfolk, VA
- Credit Repair Companies in Washington DC
- Credit Repair Companies in Chicago, IL
- Credit Repair Companies in Cincinnati, OH
- Credit Repair Companies in Fontana, CA
- Credit Repair Companies in Cleveland, OH
- Credit Repair Companies in Scottsdale, AZ
Find a Top-Ranked Credit Repair Company Near You
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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.