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Best Credit Repair Companies in Mesa, AZ

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 Mesa 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.



5Top Picks

Learn about our selection process.


featured provider = Featured Provider

Mesa, AZ Rating

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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.

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


Mesa, AZ
Free Credit Report Consultation Rating

Review Sources

4.3 (2911)

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

1930 S Alma School Rd Ste. C-108, Mesa, AZ 85210 Rating

Review Sources

5.0 (6)
5.0 (2)

Why choose this provider?

US Financial Alliance provides credit repair solutions customized to clients' needs in Mesa and the surrounding locations. It helps improve clients' financial well-being by cleaning their profiles, raising their credit scores, and educating them on how to manage their finances. The company performs credit analyses and uses an industry-standard credit dispute process to remove inaccurate information on credit reports. Ezra Israel founded the business in 2015 after spending more than 16 years in the finance industry.

  • Debt Consolidation

1820 East Ray Road, Chandler, AZ 85225 Rating

Review Sources

5.0 (31)
4.8 (17)

Why choose this provider?

Go Clean Credit is a credit repair company that has been serving clients in Mesa and surrounding areas since 2003. Its team of credit specialists and attorneys helps clients obtain better credit scores to reduce car insurance payments, reduce debt payments, and purchase new homes. The company removes inaccurate and unverifiable negative items from credit reports issued by credit bureaus. Go Clean Credit also offers credit monitoring programs and a DIY credit repair app that clients can access to track their progress.

  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

4600 East Washington Street, Phoenix, AZ 85034 Rating

Review Sources

5.0 (2)

Why choose this provider?

Praxis Credit Consulting assists clients in Mesa and its nearby areas for more than 15 years. It analyzes clients' credit reports and removes errors that harm their credit scores such as duplicate accounts and incorrectly lodged information. It also employs monitoring programs and technologies customized to the clients' needs to track their credit restoration journey. These systems also inform the clients regarding the industry and economic updates. In addition, the firm handles credit repair education and qualification.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Mesa, AZFree Credit Evaluation
Lexington Law
Mesa, AZFree Credit Report Consultation
US Financial Alliance
1930 S Alma School Rd Ste. C-108, Mesa, AZ 85210
Go Clean Credit
1820 East Ray Road, Chandler, AZ 85225
Praxis Credit Consulting
4600 East Washington Street, Phoenix, AZ 85034


  • 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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