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Best Credit Repair Companies in Scottsdale, AZ

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Scottsdale 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.



11Top Picks

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featured provider = Featured Provider

Scottsdale, AZ Rating

Why choose this provider?

Credit Saint offers credit repair services for consumers in Scottsdale. In business for more than a decade, the company provides a credit monitoring system to clients as it evaluates their credit history for inaccurate, incomplete, unverified, and outdated information. These include charge-offs, collections, foreclosures, and repossessions. Credit Saint also counsels clients on the impact of their scores on financial activities such as loans, as well as on utilizing a positive report when paying bills and opening or closing credit.

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


Scottsdale, AZ
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.

  • Credit Repair
  • Consumer Credit Services

60 East Rio Salado Parkway, Tempe, AZ 85281 Rating

Review Sources

4.9 (66)
4.5 (6)
5.0 (4)

Why choose this provider?

The Credit Clinic is a credit repair company in Scottsdale that has been providing its services for more than 20 years. The company offers consultations, credit analysis, and personalized dispute options that will address the credit repair needs of the clients. Clients will have an assigned case analyst and case advisor who will work with them. The Credit Clinic is also the one that will submit custom dispute letters on its clients' behalf.

15333 N Hayden Rd Unit 2227, Scottsdale, AZ 85260 Rating

Why choose this provider?

Crystal Clear Credit Repair LLC is a credit repair agency in Scottsdale that helps consumers improve their credit scores and financial situation. The agency offers am in-depth credit analysis and creates an effective action plan to maximize a client's credit score. Its financial advisers send custom dispute letters to the credit bureaus and creditors to challenge any inaccurate negative items found on the client's credit reports. Clients of Crystal Clear Credit Repair have easy 24/7 access to their accounts to receive live updates on what has been removed and how their credit scores have improved.

17470 N Pacesetter Way, Scottsdale, AZ 85255 Rating

Review Sources

5.0 (31)
5.0 (1)

Why choose this provider?

Andorra Credit Repair is a credit repair company in Scottsdale that helps individuals of all income levels achieve higher credit scores. Once credit reports are evaluated, the company develops a comprehensive plan to rebuild a client's credit. Using proven methods, its experienced advisors contact the credit bureaus to challenge and dispute any negative items found. Depending on a client's financial situation, it can continue to have unverifiable accounts including bankruptcies, charge-offs, late payments, and tax liens removed. Andorra Credit Repair also teaches clients how to manage their credit properly and get lower interest rates.

8723 E Via de Commercio Ste B101, Scottsdale, AZ 85258 Rating

Review Sources

5.0 (49)
4.5 (28)

Why choose this provider?

Credit Absolute is a credit repair company in Scottsdale. Its professionals help clients to take charge of their credit scores and financial futures by challenging negative or questionable items in credit reports. They offer complimentary credit audit services to evaluate credit needs. The company works with credit attorneys to protect the consumer credit file rights, with clients typically seeing results in around 30 to 90 days. It also provides credit counseling and education services as well as identity theft protection solutions. Credit Absolute supports small businesses in building their credit and applying for financing.

11811 N Tatum Blvd, Ste 3031, Phoenix, AZ 85028 Rating

Review Sources

4.7 (123)
4.8 (21)
3.3 (14)

Why choose this provider?

Paragon Credit Advisors is a credit repair company that serves the Scottsdale metro. Its credit repair process, which is usually completed in five months, involves four back-to-back dispute rounds, with each one lasting about 40 days. The team also removes collections, charge-offs, bankruptcies, late payments, and repossessions from reports. In addition, it educates its clients about the steps to take to achieve a good credit score for them to buy a property, purchase a car, and get their credit card application approved.

  • Credit Dispute

3260 N Hayden Rd Are. 210-1, Scottsdale, AZ 85251 Rating

Review Sources

5.0 (51)
5.0 (7)

Why choose this provider?

Founded in 2005, Compassionate Counsel is a credit repair agency in Scottsdale. Its legal advisers help clients identify options to remedy their debt and determine the best bankruptcy route to handle financial problems. The attorneys have experience in dealing with Chapter 7 and 13 bankruptcy to tackle credit card debts, medical bills, and payday loan issues. The debt settlement attorneys also negotiate on behalf of clients to secure reasonable terms for their loan repayment. Additionally, the firm assists in personal loan debt settlement. Compassionate Counsel provides financial advice to clients to avert future debt problems.

Attorney Information

Attorney NameBar StatusExperience
Brant Hodyno - PrincipalActive20 yrs

1530 East Williams Field Road, Gilbert, AZ 85295 Rating

Review Sources

4.8 (101)
3.5 (10)

Why choose this provider?

Paragon Credit Services helps individuals in Scottsdale improve their credit scores. The credit repair company covers credit concerns including bankruptcy, charge-offs, debt consolidation, foreclosures, and liens. Its team of trained and certified credit coaches and specialists each has an average of 15 years of credit repair experience and subscribes to its patented Paragon Pay Per Delete model. Paragon Credit Services's office is located in Gilbert and offers special rates for prospective veteran clients.

1850 S 72nd St, Omaha, NE 68124 Rating

Why choose this provider?

Credit Advisors has been providing credit repair solutions in and around Scottsdale since 1958. The team assesses and provides explanations for credit reports to determine the credit status of customers. It uses debt relief strategies to eliminate debts and improve credit scores. The credit rebuilding process involves consolidating bills into an affordable payment by facilitating a reduction in interest rates. The professionals help clients balance their budgets and manage finances to alleviate stress from creditors. They are well-trained in consumer credit laws and offer counseling services on sound money management. Credit Advisors also helps with bankruptcy issues.

5013 West Saint Kateri Drive, Phoenix, AZ 85339

Why choose this provider?

Phoenix Credit Repair helps individuals improve their credit ratings and achieve their goals. The company's experts evaluate each of their clients' three credit reports. They analyze all data and begin the process with sending dispute letters to each of the creditors reporting negative information. The company has been successful in legally removing obsolete, duplicate, or inaccurate items from clients' credit reports. The company's experts also examine positive items and make recommendations to increase favorable reporting.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Scottsdale, AZFree Credit Evaluation
Lexington Law
Scottsdale, AZFree Credit Report Consultation
The Credit Clinic
60 East Rio Salado Parkway, Tempe, AZ 85281
Crystal Clear Credit Repair, LLC
15333 N Hayden Rd Unit 2227, Scottsdale, AZ 85260
Andorra Credit Repair
17470 N Pacesetter Way, Scottsdale, AZ 85255
Credit Absolute
8723 E Via de Commercio Ste B101, Scottsdale, AZ 85258
Paragon Credit Advisors
11811 N Tatum Blvd, Ste 3031, Phoenix, AZ 85028
Compassionate Counsel
3260 N Hayden Rd Are. 210-1, Scottsdale, AZ 85251
Paragon Credit Services
1530 East Williams Field Road, Gilbert, AZ 85295
Credit Advisors
1850 S 72nd St, Omaha, NE 68124
Phoenix Credit Repair
5013 West Saint Kateri Drive, Phoenix, AZ 85339


  • 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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