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Best Credit Repair Companies in Bolingbrook, IL

Our Recommended Top 7

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 Bolingbrook 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.



7Top Picks

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featured provider = Featured Provider

Bolingbrook, IL Rating

Review Sources

4.8 (8763)

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


Bolingbrook, IL
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

3731 Prairie Ave #515, Brookfield, IL 60513 Rating

Review Sources

5.0 (6)

Why choose this provider?

On Path Credit caters to customers in the Bolingbrook metro and the surrounding areas. It helps clients improve their credit scores by offering credit consultation and repair solutions. Its work process involves running a full credit report analysis, identifying inaccurate and unverifiable reporting information, and creating plans to dispute and challenge the credit bureaus. The company helps remove negative items, such as bankruptcies, collections, inquiries, garnishments, and late payments. Medical bills and repossessions are also included.

  • Credit Monitoring
  • Credit Audit

4320 Winfield Road, Warrenville, IL 60555 Rating

Review Sources

5.0 (18)

Why choose this provider?

BGW Solutions offers credit repair services to clients in Bolingbrook and its neighboring metros. The company caters to individuals looking to purchase a home or a vehicle, rent an apartment, or get a job. Its professionals aim to remove negative items from the client's report while adding positive lines of credit. They educate consumers on how to maintain or build a new score. The company's website has a client portal, allowing them to monitor their progress 24/7.

  • Credit Monitoring

15255 S. 94th Avenue 5th Floor, Orland Park, IL 60462 Rating

Review Sources

3.6 (29)
5.0 (8)

Why choose this provider?

Simmons Financial Solutions is a credit repair company serving clients in Bolingbrook. The firm provides solutions that can help consumers rebuild their credit standing and consolidate debt. Its credit repair specialists conduct a thorough analysis of its client's credit report and seek all negative and inaccurate accounts that affect their credit scores. The team also challenges unverified information with credit bureaus, creditors, and collectors on behalf of its clients. Past clients commended the firm for repairing their credit in less than 90 days.

  • Credit Monitoring
  • Credit Audit

Joliet, IL Rating

Review Sources

5.0 (18)

Why choose this provider?

Pherpose Credit Solutions provides services to clients throughout the Bolingbrook metro and the neighboring cities. It helps restore and maintain clients' credit scores to help them achieve their financial and investment goals and needs. It also assists individuals in eliminating errors on the credits by creating disputes with the credit bureaus. Its monthly services include assessment updates, customer service support, 3D analysis, and credit building and resources. The company is also available to remove student loans, foreclosure, late payments, and repossessions on credit reports.

  • Credit Dispute
  • Credit Monitoring
  • Credit Audit

Chicago, IL 60007 Rating

Why choose this provider?

The Credit Repair Pros caters to individuals and business owners in Bolingbrook. The company helps clients buy new homes, get loans, finance the purchases they want, and avoid debts that come with a poor credit history. It looks for inaccurate marks like tax liens, charge-offs, and bankruptcy, and sends requests to validate data and letters to debt collectors requesting them to cease. The company's services also give clients access to more accessible insurance premiums and lower credit card rates.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Bolingbrook, ILFree Credit Evaluation
Lexington Law
Bolingbrook, ILFree Credit Report Consultation
On Path Credit
3731 Prairie Ave #515, Brookfield, IL 60513
BGW Solutions
4320 Winfield Road, Warrenville, IL 60555
Simmons Financial Solutions
15255 S. 94th Avenue 5th Floor, Orland Park, IL 60462
Pherpose Credit Solutions
Joliet, IL
The Credit Repair Pros
Chicago, IL 60007


  • 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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