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Best Credit Repair Companies in Chicago, IL

Our Recommended Top 15

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 Chicago 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.

2009Reviewed

1211Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Chicago, IL 60625

Expertise.com Rating

Review Sources

Google
4.8 (5317)
Yelp
2.5 (23)

Why choose this provider?

Credit Saint LLC provides Chicago residents with a full range of credit restoration services. Headquartered in New Jersey, the credit repair company has been serving customers nationwide for more than 15 years. Its credit specialists identify and challenge errors and inaccurate information that may be damaging a customer's credit. They also teach customers how to read their credit reports and what measures they can take to raise their credit score.

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

Lexington LawExpertise.com

Chicago, IL
Free Credit Report Consultation

Expertise.com 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.

  • Consumer Credit Services
  • Credit Repair

1200 N Ashland Ave Ste 202, Chicago, IL 60622

Expertise.com Rating

Why choose this provider?

Credit Geeks LLC is a credit repair agency in Chicago. With credit building and consulting services available, the company works with individuals to evaluate current credit reports and financial risks, dispute credit report errors, and provide credit enhancement counseling. Communication is at the core of the company's mission, and its analysts strive to understand their clients' credit goals. Credit Geeks develops tailored strategies to improve clients' credit scores and help them expand their buying power.

5113 S Harper Ave Ste 2C, Chicago, IL 60615

Expertise.com Rating

Review Sources

Yelp
4.5 (22)
Facebook
5.0 (4)

Why choose this provider?

Founded in 2014, Excellent Credit Solutions provides credit repair services in Chicago. With credit tips, report audits, and next step coaching opportunities, the company works to improve clients' credit scores and dispute inaccurate items such as tax liens and garnishments. Excellent Credit Solutions evaluates clients' current credit reports and promotes financial literacy strategies to increase buying power, lower rates, and boost credit approval. Additionally, it offers economic alternatives for clients facing bankruptcy.

125 S Wacker Dr Ste 300, Chicago, IL 60606

Expertise.com Rating

Review Sources

Google
5.0 (14)
Yelp
5.0 (1)

Why choose this provider?

Fonfrias Law Group LLC represents clients in credit repair matters in the Chicago area. Attorney Richard G. Fonfrias, who speaks English and Spanish, helps consumers build new credit as well as manage existing debts and eliminate credit card debt. On behalf of clients, he disputes mistakes or compliance violations in credit reports in addition to rehabilitating defaulted obligations. Fonfrias also offers creditor lawsuit and foreclosure defense services, along with tax lien and reduction defense.

Attorney Information

Attorney NameBar StatusExperience
Richard Fonfrias - PrincipalActive28 yrs

11628 Old Ballas Road, Suite 208, St. Louis, MO 63141

Expertise.com Rating

Review Sources

Facebook
4.9 (39)
Google
4.3 (27)

Why choose this provider?

Phoenix Credit Consultants is a team of credit repair specialists serving clients in Chicago and surrounding areas. For more than 20 years, Phoenix Credit Consultants has been providing services such as credit repair, credit and debt consultation, mortgage-ready credit repair, and settlement assistance. The team also performs credit reports analysis and helps students via their student loan recovery program. Phoenix Credit Consultants focuses on creating a customized credit repair plan for each client.

20 N Clark St Ste 800, Chicago, IL 60602

Expertise.com Rating

Review Sources

Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

EZ Business Bankruptcy & IRS Solutions is a credit repair company in Chicago that's been in business since 1996. The agency examines each client's financial profile and helps to solve their credit, tax, debt, and accounting problems. It can handle removing faulty credit report marks regarding tax liens, property seizures, and levies on bank accounts to help improve credit scores. The company also works on mitigating IRS debt. Founder Eric Zelazny is a certified public accountant and an attorney at law.

Chicago, IL

Expertise.com Rating

Review Sources

Google
4.8 (72)

Why choose this provider?

Opened in 2014, Fast Credit Repair Chicago works with clients that need credit repair services in Chicago. With phone consultations available, the company works with clients to devise customized plans to increase credit report scores, evaluate financial risks, and plan for future purchasing goals. Fast Credit Repair contacts creditors and the three major credit bureaus to dispute any discrepancies regarding negative items, such as foreclosures, collections, judgments, or late payments.

25 E Washington St Ste 1501, Chicago, IL 60602

Expertise.com Rating

Review Sources

Avvo
5.0 (46)

Why choose this provider?

Kaplan Law Firm LLC provides credit repair services in Chicago. Headed by attorney Rae Kaplan, the firm assists clients that need to improve their credit scores, including those who have filed for Chapter 7 or Chapter 13 bankruptcies. The firm recommends credit repair programs that are reputable and effective. Kaplan Law Firm educates clients and helps them develop strategies to change their financial habits and reduce the burden of debt. Additionally, the firm handles bankruptcy cases.

2336 N Damen Ave Ste 1, Chicago, IL 60647

Expertise.com Rating

Review Sources

Yelp
4.0 (46)

Why choose this provider?

Since 1991, Nationwide Credit Clearing has provided credit repair services in Chicago. With a free credit report consultation available, the company works to rid clients of errors and dispute any discrepancies, including late payments, student loan issues, or garnishments. Nationwide Credit Clearing creates tailored plans that alleviate or eliminate credit issues, and it constantly monitors credit to alert clients to credit changes. Additionally, it provides credit education to help clients develop financial literacy strategies to increase credit and buying power.

Chicago, IL

Why choose this provider?

Since 2014, Raise UP Credit Repair - Chicago has provided credit repair services. The company has extensive experience disputing and seeking the removal of late payments, repossessions, and other inaccuracies within credit reports. Raise UP files necessary paperwork with the three major credit bureaus to alleviate or eliminate discrepancies and creates personalized plans for quick credit repair. Additionally, the company educates clients on financial literacy concepts to increase spending power and reduce the burden of debt.

9 E Campbell St, Arlington Heights, IL 60005

Expertise.com Rating

Review Sources

Yelp
3.5 (5)

Why choose this provider?

ZEL & Associates Inc. is a paralegal and credit counseling firm that has provided customers in Chicago with credit repair services since 2011. With a client's consent, it obtains credit reports from all three major credit bureaus. The firm reviews the reports and challenges all negative items that are not in compliance with the FCRA. In addition, ZEL & Associates also contests any unauthorized credit inquiries to help boost a client's overall credit score.

9525 S 79th Ave Ste 216, Hickory Hills, IL 60457

Expertise.com Rating

Review Sources

Facebook
5.0 (31)

Why choose this provider?

Primary Credit Advisors provides credit solutions in Chicago and nearby areas. It helps residents with bad credit to reestablish credit and rebuild their credit score. Skilled in disputing erroneous, incomplete, inaccurate, or obsolete negative items on credit reports, its staff handles collections, public records, judgments, charge-offs, and foreclosures. The repair specialists also handle late payments, bankruptcies, repossessions, and liens. The repair process involves consultations, document identification, dispute preparation, and submission of challenge letters to the three major credit bureaus.

444 N Michigan Ave Ste 1200, Chicago, IL 60611

Expertise.com Rating

Review Sources

Google
5.0 (17)

Why choose this provider?

Avenues to Move Forward is a Chicago-based firm that serves people in Hammond and the surrounding areas. It offers credit repair services as well as examines and disputes unfavorable items on clients' credit reports. Its credit specialist also assists clients in picking loans and credit cards to aid in the development and maintenance of their improved credit scores. Clients can view the status of their credit scores in real time by logging into their online accounts.

  • Credit Monitoring
Credit Level logo

Credit Level

Chicago, IL 60018

Expertise.com Rating

Review Sources

Facebook
5.0 (7)

Why choose this provider?

Credit Level has more than 14 years of experience in helping consumers in and around the Chicago area restore their credit. Its team removes and questions outdated, unverifiable, and inaccurate items that are impacting clients' scores. The professionals also help in adding positive credit history to clients' reports, and they assist them in addressing debt. While they help consumers repair credit scores, they also educate them on how to maintain them. Credit Level is certified by the Credit Consultants Association.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Chicago, IL 60625Free Credit Evaluation
Lexington Law
Chicago, ILFree Credit Report Consultation
Credit Geeks LLC
1200 N Ashland Ave Ste 202, Chicago, IL 60622
Excellent Credit Solutions
5113 S Harper Ave Ste 2C, Chicago, IL 60615
Fonfrias Law Group, LLC
125 S Wacker Dr Ste 300, Chicago, IL 60606
Phoenix Credit Consultants
11628 Old Ballas Road, Suite 208, St. Louis, MO 63141
EZ Business Bankruptcy & IRS Solutions
20 N Clark St Ste 800, Chicago, IL 60602
Fast Credit Repair Chicago
Chicago, IL
Kaplan Law Firm, LLC
25 E Washington St Ste 1501, Chicago, IL 60602
Nationwide Credit Clearing
2336 N Damen Ave Ste 1, Chicago, IL 60647
Raise UP Credit Repair - Chicago
Chicago, IL
ZEL & Associates, Inc.
9 E Campbell St, Arlington Heights, IL 60005
Prime Credit Advisors
9525 S 79th Ave Ste 216, Hickory Hills, IL 60457
Avenues to Move Forward
444 N Michigan Ave Ste 1200, Chicago, IL 60611
Credit Level
Chicago, IL 60018

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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