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Best Credit Repair Companies in Louisville, KY

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 Louisville 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

Louisville, KY Rating

Review Sources

4.8 (10602)
2.2 (30)

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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


Louisville, 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

11492 Bluegrass Parkway, Louisville, KY 40299 Rating

Review Sources

5.0 (10)
5.0 (2)

Why choose this provider?

Apprisen is a non-profit organization founded in 1955 that provides financial education, debt management, and counseling in Louisville. It offers individual and joint credit health education sessions with the organization's financial service specialist. It provides information in determining disputable items on the credit report as well as the process of disputing these errors. The financial specialists review the credit report and help clients understand the credit scoring model. Apprisen also provides customized financial plans and help clients set credit goals.

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

Review Sources

4.6 (192)
4.5 (44)
2.0 (6)

Why choose this provider?

Founded in 2013, King Financial Repair provides credit repair services in Louisville for individuals and businesses. The company performs detailed credit audits to spot questionable items listed on credit reports that harm FICO scores, then create personalized plans for each client. Its credit professionals send dispute letters to the three major credit bureaus and utilize current FCRA and FDCPA laws to protect clients from harassment and abusive practices by creditors and debt collection agencies. The company offers student loan consolidation, a credit score improvement program, and business credit builder services. Additionally, King Financial Repair is accredited by the National Association of Credit Services Organizations (NACSO).

4030 Mount Carmel Tobasco Road, Cincinnati, OH 45255 Rating

Review Sources

5.0 (42)
5.0 (3)

Why choose this provider?

Complete Credit Repair Services is a credit counseling and credit repair company in Louisville. The company gathers pertinent information and evaluates the client's current credit standing. It utilizes various tools and software to remove negative information from the credit report. The company's credit repair plans cover credit analysis, dispute analysis, secure payment processing, private portal access, and credit education session. It also provides financial improvement simulation, assistance in raising disputes to credit bureaus, and email and text updates.

4965 US Highway 42 Ste 1000, Louisville, KY 40222 Rating

Review Sources

4.8 (114)
4.6 (12)

Why choose this provider?

Armor Credit Solutions has been repairing and restoring consumer credit in Louisville since 2006. The firm fixes personal information, helps remove old or inaccurate accounts, and improves credit scores by using its vast experience with federal consumer protection laws, credit bureaus, creditors, and credit scoring. Its employees analyze credit reports, discuss financial goals, then create plans for a personalized credit restoration process that involves developing dispute letters to the credit bureaus. It handles repossessions, public records, inquiries, charge-offs, and late payments. Armor Credit Solutions provides credit education, including changes in credit laws, markets, and scoring to clients, finance specialists, real estate professionals, and loan officers.

P.O. Box 1368, Shelbyville, KY 40066 Rating

Review Sources

5.0 (11)

Why choose this provider?

Uturn Credit Advisors is a firm that serves clients in Louisville. It helps clients by re-building credit and payment history and removing obsolete information like bankruptcies on a report. Its credit specialists challenge and dispute unverifiable and inaccurate items on behalf of clients. They deal with negative reports like judgments, liens, collections, and repossessions to increase a client's score. In addition to credit restoration, the company provides client education to help them navigate their way to their financial goals.

  • Credit Monitoring
  • Credit Dispute

5284 North Dixie Highway, Elizabethtown, KY 42701 Rating

Review Sources

4.6 (45)

Why choose this provider? is a credit repair company that provides services to those around Louisville. The business was opened in 2006 and has been correcting credit reports ever since. It removes negative records such as bankruptcies, security clearance issues, collections, and late payments. The company has three credit repair service levels, which include fast-track service, comprehensive service, and fresh-start service. These service levels will help remove or modify the items that are inaccurate, obsolete, and unverifiable in one's credit report.

  • Credit Dispute

101 S 5th St Ste 1640, Louisville, KY 40202 Rating

Review Sources

5.0 (2)
5.0 (1)

Why choose this provider?

USA Credit Repair is a credit repair company based in Louisville that works with clients across the metro area. It aims to help them improve their financial positions and emphasizes achieving freedom from bad credit and debt. Its experienced advisers thoroughly analyze clients' credit reports and identify items they can dispute due to their age, unverified nature, or mistakes. The firm then helps clients dispute these mistakes with creditors to improve their credit scores. USA Credit Repair also assists with education that teaches clients how to improve and maintain good credit scores, and it offers a free consultation and credit analysis for new clients.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Louisville, KYFree Credit Evaluation
Lexington Law
Louisville, KYFree Credit Report Consultation
11492 Bluegrass Parkway, Louisville, KY 40299
King Financial Repair
9850 Von Allmen Ct Suite 201,, Louisville, KY 40241
Complete Credit Repair Services
4030 Mount Carmel Tobasco Road, Cincinnati, OH 45255
Armor Credit Solutions
4965 US Highway 42 Ste 1000, Louisville, KY 40222
Uturn Credit Advisors
P.O. Box 1368, Shelbyville, KY 40066
5284 North Dixie Highway, Elizabethtown, KY 42701
USA Credit Repair
101 S 5th St Ste 1640, Louisville, KY 40202


  • 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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