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Best Credit Repair Companies in Birmingham, AL

Our Recommended Top 5

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 Birmingham 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.



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featured provider = Featured Provider

Birmingham, AL Rating

Review Sources

4.8 (5317)
2.5 (23)

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

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


Birmingham, AL
Free Credit Report Consultation 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.

  • Consumer Credit Services
  • Credit Repair

3535 Grandview Pkwy Ste 350, Birmingham, AL 35243 Rating

Why choose this provider?

A1 Credit Service Inc. provides credit repair services in Birmingham. The firm offers credit report evaluation and education, and it upholds the Fair Credit Reporting, Fair Debt Collection Practices, and Telephone Consumer Protection guidelines. It handles clients with negative accounts, such as charged-off credit cards, foreclosures, bankruptcy, student loan debts, repossessions, and collections. The analysts assist individuals who have installment loans, judgments, late payments, and liens. They perform debt negotiations on clients' behalf. A1 Credit Service helps start-up and established businesses obtain credit cards, net 30 accounts, auto loans, and funding. The company also runs credit repair boot camps and seminars, and it works with attorneys for continued support and education.

2746 Summit Pl, Birmingham, AL 35243 Rating

Review Sources

5.0 (1)
5.0 (1)

Why choose this provider?

Superior Credit Repair offers credit repair, credit dispute, and debt counseling services. Its team can handle credit disputes to assist clients in removing information that harms their credit scores. Credit specialists provide clients with a free credit report summary and consultation. The trained credit repair staff help clients develop a strategic credit repair plan with goals tailored to their particular needs, potentially saving them money on interest rates. Superior Credit Repair can assist in removing bankruptcies, charge offs, collections, foreclosures, judgments, late payments, liens, and repossessions. Superior Credit Repair offers financial advice and best management practices for existing lines of credits.

2024 3rd Ave N, Birmingham, AL 35203 Rating

Review Sources

4.7 (61)
4.7 (7)
4.0 (6)

Why choose this provider?

800CreditNow is a credit repair company in Birmingham that's been assisting clients with credit restoration for over 20 years. It employs a systematic and intelligent approach designed to deliver lasting and genuine credit improvement. The company's credit restoration plans involve handling bankruptcy, hard inquiry removal, repossessions, charge-offs, collections, and foreclosure. Clients faced with late payments, student loans, and tax lien issues also benefit from its credit repair programs. The agency also helps with debt and credit reduction, enabling clients to access auto, home, and business loans. 800CreditNow offers credit monitoring programs, including score tracker, builder, and master plans to help clients build better credit.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Birmingham, ALFree Credit Evaluation
Lexington Law
Birmingham, ALFree Credit Report Consultation
A1 Credit Service Inc
3535 Grandview Pkwy Ste 350, Birmingham, AL 35243
Superior Credit Repair
2746 Summit Pl, Birmingham, AL 35243
2024 3rd Ave N, Birmingham, AL 35203


  • 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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