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Best Credit Repair Companies in Gary, IN

Our Recommended Top 4

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 Gary 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.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

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

Why choose this provider?

Credit Firm caters to customers in Gary and the surrounding areas. Since 1997, its consultants have been helping consumers improve their financial situations and avail of the benefits that come with having good credit like applying for loans and qualifying for lower interest rates. They analyze reports, dispute negative items that affect their clients' scores, and reach out to agencies to have them removed. The company received commendations from a previous client for helping her purchase a home by increasing her scores.

  • Credit Monitoring

2701 Willowcreek Rd Suite #222, Portage, IN 46368 Rating

Why choose this provider?

America Fix Your Credit helps people in Gary and nearby areas boost their credit scores. Its team eliminates the negative items in an individual's credit profile, including collections, debts, records of injunction, declaratory judgments, tax liens, and repossessions. It reviews credit reports from major credit bureaus, implements dispute action plans, and generates dispute letters if needed. It extends its services to businesses and helps them build corporate credit profiles. The firm offers 24/7 support.

  • Credit Monitoring

Chicago, IL Rating

Review Sources

5.0 (7)
5.0 (1)

Why choose this provider?

Dependable Credit Fix serves individuals in Gary. Each client is assisted by a case analyst who reviews credit reports from credit bureaus to legally dispute and delete inaccurate, erroneous, and obsolete information from credit profiles and give clients better purchasing power. Case analysts routinely work with items like credit card debt, late payments, charge-offs, bankruptcies, tax liens, and repossessions. The company also provides access to online accounts 24/7 for live status updates on credit reports and score improvements.

  • Credit Dispute

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

Review Sources

4.8 (43)
5.0 (41)

Why choose this provider?

Flyy Credit works with residents of Gary who require score remediation solutions. The company works with debtors through its online facility that offers initial advice on reversing negative marks on their records and obtaining manageable financing options. The firm also delivers written guides that teach individuals and businesses how to manage their financial obligations with minimal fuss. Flyy Credit's customers range from single moms struggling to buy their first homes to entrepreneurs seeking to set up new ventures.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Firm
1020 Milwaukee Ave. Suite 122, Deerfield, IL 60015
America Fix Your Credit
2701 Willowcreek Rd Suite #222, Portage, IN 46368
Dependable Credit Fix
Chicago, IL
Flyy Credit
15941 Harlem Ave #284, Tinley Park, IL 60477


  • 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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