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Best Credit Repair Companies in Arlington Heights, IL

Our Recommended Top 6

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 Arlington Heights 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.



6Top Picks

Learn about our selection process.


featured provider = Featured Provider

Arlington Heights, IL 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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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 Restoration
  • Credit building
  • Credit Audit
  • Credit Repair
Lexington Law logo


Arlington Heights, IL
Free Credit Report Consultation Rating

Review Sources

4.3 (2911)
4.5 (390)
1.0 (1)

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

3731 Prairie Ave #515, Brookfield, IL 60513 Rating

Review Sources

5.0 (6)

Why choose this provider?

OnpathCredit is a full-service company that offers credit repair and reporting services to clients in Arlington Heights. It caters to industries, including business, banking, and real estate. It can also remove derogatory accounts from a credit report, such as late payments, medical bills, bankruptcies, and foreclosures. Its team educates clients on deceptive debt collection practices and provides them with the information, steps, and resources they require to make better financial decisions. It has a personal dashboard where clients can track the status of their files 24/7.

  • Credit Monitoring

1020 Milwaukee Ave. Suite 122, Deerfield, IL 60015 Rating

Review Sources

5.0 (3)

Why choose this provider?

Credit Firm is a company that serves Arlington Heights. Its consultants offer custom-tailored programs to help consumers restore their credit and improve their financial health. They perform in-depth audits of reports to address negative items and work directly with agencies to delete derogatory accounts and raise their scores. The company offers an online portal, which enables clients to obtain real-time updates of work completed. Since 1997, Credit Firm has helped remove a million of accounts and served thousands of clients.

  • Debt Consolidation
  • Credit Monitoring

1600 Golf Rd Suite 1200, Rolling Meadows, IL 60008 Rating

Review Sources

4.5 (64)

Why choose this provider?

See Believe Thrive serves Arlington Heights residents and small businesses. The company helps boost credit scores through credit repair and credit training courses. Its team identifies inaccurate items on clients' credit reports, including bankruptcies, charge-offs, negative accounts, and late payments. It sends goodwill letters to creditors and credit bureaus to dispute the validity of these items and requests their removal. The company also performs interventions against harassing creditors. Clients have 24/7 access to live updates of their credit profile improvements.

  • Credit Monitoring

6444 S Central Ave, Chicago, IL 60638 Rating

Review Sources

5.0 (3)

Why choose this provider?

850 addresses the needs of clients in Arlington Heights and nearby metros. The company has been in the industry for over 15 years, providing credit repair services. Its specialists determine the various factors pulling the client's credit score down and offer customized plans to restore and rebuild their credit. They load inaccurate and misleading information into their system and challenge questionable items on the client's account with the creditors, collectors, and credit bureaus. These bureaus include TransUnion, Experian, and Equifax.

  • Debt Consolidation

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Arlington Heights, ILFree Credit Evaluation
Lexington Law
Arlington Heights, ILFree Credit Report Consultation
3731 Prairie Ave #515, Brookfield, IL 60513
Credit Firm
1020 Milwaukee Ave. Suite 122, Deerfield, IL 60015
See Believe Thrive
1600 Golf Rd Suite 1200, Rolling Meadows, IL 60008
6444 S Central Ave, Chicago, IL 60638


  • 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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