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Best Credit Repair Companies in Lexington, KY

Our Recommended Top 5

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 Lexington 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.



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featured provider = Featured Provider

Lexington, KY 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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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.

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


Lexington, KY
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.

  • Consumer Credit Services
  • Credit Repair

9850 Von Allmen Ct Suite 201,, Louisville,, KY 40241 Rating

Review Sources

4.6 (192)

Why choose this provider?

King Financial Repair has been serving Lexington since 2013. It is owned by Julia King, a credit repair specialist with extensive industry experience. King and her team of experts use a real-time CRM system and workflow management tools. They conduct in-person consultations, which include evaluating the credit report and developing plans to improve credit scores. They also assist with loan applications and student loan consolidation. King Financial Repair is a member of the National Association of Credit Services Organizations.

  • Credit Monitoring
  • Credit Audit
  • Credit Dispute

2265 Harrodsburg Road, Lexington, KY 40504 Rating

Review Sources

5.0 (11)
5.0 (10)

Why choose this provider?

Apprisen is a credit repair firm that delivers a range of financial services to the Lexington metro. The company empowers clients with financial coaching, financial health plans, comprehensive financial reviews, and debt management programs. The team also offers housing counseling, bankruptcy counseling, credit health education, and student loan education sessions. It is partnered with companies like BB&T, United Way, Republic Bank, and Kentucky Housing Corporation. Apprisen has been in business for more than 60 years.

  • Credit Dispute

684 Graftons Mill Lane,, Lexington, KY 40509 Rating

Review Sources

4.8 (37)
4.7 (15)

Why choose this provider?

Bio Credit Pro is a credit repair company that serves customers in Lexington and the surrounding areas. It educates clients on the process of raising credit scores, rebuilding credit, settling debts, and dealing with debt collectors. It legally removes inaccurate, negative items, and incorrect alias names from the credit reports. The firm has helped hundreds of individuals go from bad to good credit using State and Federal Consumer Protection Laws with credit repair tactics available.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Lexington, KYFree Credit Evaluation
Lexington Law
Lexington, KYFree Credit Report Consultation
King Financial Repair
9850 Von Allmen Ct Suite 201,, Louisville,, KY 40241
2265 Harrodsburg Road, Lexington, KY 40504
Bio Credit Pro
684 Graftons Mill Lane,, Lexington, KY 40509


  • 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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