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Best Credit Repair Companies in Roswell, GA

Our Recommended Top 3

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 Roswell 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.

69Reviewed

42Curated

3Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

830 M.L.K. Jr Dr NW, Atlanta, GA 30314
Website

Expertise.com Rating

Review Sources

Google
4.0 (4)

Why choose this provider?

Credit Repair Services Atlanta has been assisting clients in Roswell and the neighboring communities for the past nine years. It helps in fixing, improving, and monitoring clients' credit scores. The process involves evaluating TransUnion, Equifax, and Experian credit reports and determining appropriate repair programs. Its team also works on permanently removing student loans, collections, repossessions, tax liens, bankruptcies, and late payments from credit reports. The company offers mortgage repair and restoration services aimed at helping clients obtain home loans.

  • Debt Consolidation

8000 Avalon Blvd Suite 100, Alpheretta, GA 30009
Website

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Avalon Credit Repair assists families and individuals in Roswell and nearby locations. It aims to help clients achieve their financial and investment goals by providing them with an array of credit repair services. The company conducts factual verification to dispute customers' incorrect information. It works with credit bureaus to remove bad records, which involve charge-offs, late payments, and bankruptcies. It also offers debt settlement solutions. Avalon Credit Repair has been in business for over a decade.

  • Debt Consolidation

5528 Oxford Chase Way, Atlanta, GA 30338

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Solvency Consulting is a company serving Roswell and the surrounding locations. It offers credit repair services and also helps clients looking to apply for loans or credit cards. Its team reviews clients' credit reports and scores before developing plans that take into account their goals. The specialists send disputes to creditors to challenge negative items such as repossessions, late payments, collections, and inquiries. They also dispute judgments, bankruptcies, and charge-offs. Solvency Consulting also has offices in Florida, Philadelphia, and California.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Repair Services Atlanta
830 M.L.K. Jr Dr NW, Atlanta, GA 30314
Avalon Credit Repair
8000 Avalon Blvd Suite 100, Alpheretta, GA 30009
Solvency Consulting
5528 Oxford Chase Way, Atlanta, GA 30338

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.

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