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Best Credit Repair Companies in Ankeny, IA

Our Recommended Top 3

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 Ankeny 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.



3Top Picks

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featured provider = Featured Provider

130 S. Sheldon Ave. Suite 201, Ames, IA 50014 Rating

Review Sources

5.0 (15)
4.0 (4)

Why choose this provider?

Able Up Iowa responds to the financial needs of people with disabilities in Ankeny. For over five years, the company has been offering various solutions, such as credit repair, resource counseling, benefits planning, and financial and credit coaching. It helps first-time borrowers throughout the credit repair application process that involves collecting bank statements and verifying income resources. It also collaborates with multiple financial coaching firms, like Project Search, Financial Empowerment Center, and Women United, to educate clients on establishing credit-building habits and improving credit scores.

  • Debt Consolidation
  • Credit Monitoring

309 Court Ave Ste 838, Des Moines, IA 50309 Rating

Review Sources

5.0 (26)

Why choose this provider?

Crystal Financial is a credit repair company that serves the people of Ankeny and the surrounding areas. It helps clients achieve their financial goals by improving their scores or re-establishing their positive credit standing. It deals with credit bureaus to clear incorrect and unverifiable records, such as charge-offs, collections, and student loans, that negatively impact credit ratings. Cornelia Peters, the sole proprietor of Crystal Financial, is dedicated to helping her clients become more knowledgeable about credit and financial literacy.

  • Credit Dispute

6129 SW 63rd Street, Des Moines, IA 50321 Rating

Review Sources

4.8 (24)
2.0 (4)

Why choose this provider?

Consumer Credit of Des Moines, which has been in service for more than two decades, caters to individuals in and around the Ankeny area. It helps clients consolidate debt through management plans and programs. The company takes care of contacting creditors to negotiate and make arrangements to reduce clients' monthly payments. Its team also holds debt and budget counseling sessions, which involve evaluating clients' living expenses and income and creating a budget to meet their goals and needs.

  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Able Up Iowa
130 S. Sheldon Ave. Suite 201, Ames, IA 50014
Crystal Financial
309 Court Ave Ste 838, Des Moines, IA 50309
Consumer Credit of Des Moines
6129 SW 63rd Street, Des Moines, IA 50321


  • 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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