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Best Credit Repair Companies in Elgin, IL

Our Recommended Top 9

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 Elgin 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.



9Top Picks

Learn about our selection process.


featured provider = Featured Provider

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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


Elgin, IL
Free Credit Report Consultation Rating

Review Sources

4.3 (2911)

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

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

Why choose this provider?

Simmons Financial Solutions serves the residents of Elgin. Its agents create schemes tailored to the specific details of their reports in order to restore individuals' creditworthiness. They look for red flags such as late payments, charge-offs, medical bills, and duplicates. They dispute these items by writing to creditors and credit bureaus and filing dispute letters. If necessary, the team communicates with debt collectors and implements debt settlement strategies. The agency provides weekly education on how to improve one's credit during the restoration process.

  • Credit Dispute

401 N Michigan Ave Suite 1200, Chicago, IL 60611 Rating

Review Sources

5.0 (17)

Why choose this provider?

For more than five years, Project Restoration has been serving individuals and business owners in and around the Elgin metro. The firm has helped over 3,400 clients purchase their homes, acquired approval for business and personal loans, and invests properties by building, repairing, and removing negative items in their credit reports. With a mission of breaking the cycles of generational poverty, Project Restoration educates Millenials about investments and financial literacy, as well as offers them credit training programs and financial counseling.

  • Credit Monitoring

125 s Wacker Drive Suite 300, Chicago, IL 60606 Rating

Review Sources

5.0 (18)
5.0 (15)

Why choose this provider?

KNK Credit Consultants provides credit repair services to clients in Elgin and the surrounding areas. Its team assesses its clients' current finances to design a tailored action plan that can help them reach their immediate and long-term goals and regain control of their finances. The company also has the tools to help customers get back on track after having a bad credit rating. The team at KNK Credit Consultants works to improve clients' credit scores within 30 to 90 days.

  • Credit Monitoring

1 East Erie St Suite 525 PMB 4522, Chicago, IL 60611 Rating

Why choose this provider?

Kenise Consulting is a full-service credit repair company that serves clients in Elgin and nearby areas. The company offers professional credit restoration services that can assist individuals in rebuilding or improving their credit scores. Its credit repair analysts thoroughly review its client's credit history and dispute any negative information such as charge-offs, late payments, bankruptcies, and collections. The team also submits dispute letters to major credit bureaus on behalf of its clients. The company handles consumer, business, and mortgage credit disputes.

  • Credit Monitoring

205 N Michigan Ave Suite 810, Chicago, IL 60601 Rating

Why choose this provider?

Always The Best Credit Repair delivers solutions to help residents in Elgin maximize their scores. Team members of the agency review entries on clients' credit reports to identify which ones require correction, validation, and updating. Once the problematic items have been identified, customized dispute letters with supporting documents are sent to agencies like creditors and bureaus. The firm also offers credit education to teach customers about building and maintaining positive scores that increase their purchasing power.

  • Credit Dispute

15941 Harlem Ave #284, Tinley Park, IL 60477 Rating

Why choose this provider?

Flyy Credit helps residents of Elgin and the surrounding communities get into a better financial position. The firm provides comprehensive credit repair services for clients who need to rebuild their credit rating to qualify for a home or car loan, employment, and credit card. Its team helps remove negative items like collections, late payments, charge-offs, liens, repossession, and foreclosures by disputing these with the credit bureaus and creditors. It also assists in building business credit to finance a client's dream lifestyle or business.

  • Credit Monitoring

815 N Church Street Suite 100, Rockford, IL 61103 Rating

Review Sources

5.0 (5)

Why choose this provider?

Patriots Credit Services has been serving clients in Elgin since 2007. Its credit repair process begins with a consultation to determine whether individuals need mortgage refinancing, debt consolidation, or debt settlement solutions. Its team members prepare letters of dispute, requests, and demands to be sent to creditors and bureaus. They also assist in the establishment of new credit lines, such as secured credit cards and auto loans. Patriots Credit Services is a member of the National Association of Credit Services Organizations and the Credit Consultants Association.

  • Debt Consolidation

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Elgin, ILFree Credit Evaluation
Lexington Law
Elgin, ILFree Credit Report Consultation
Simmons Financial Solutions
15255 S. 94th Avenue 5th Floor, Orland Park, IL 60462
Project Restoration
401 N Michigan Ave Suite 1200, Chicago, IL 60611
KNK Credit Consultants
125 s Wacker Drive Suite 300, Chicago, IL 60606
Kenise Consulting
1 East Erie St Suite 525 PMB 4522, Chicago, IL 60611
Always The Best Credit Repair
205 N Michigan Ave Suite 810, Chicago, IL 60601
Flyy Credit
15941 Harlem Ave #284, Tinley Park, IL 60477
Patriots Credit Services
815 N Church Street Suite 100, Rockford, IL 61103


  • 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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