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Best Credit Repair Companies in Baltimore, MD

Our Recommended Top 8

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 Baltimore 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.



8Top Picks

Learn about our selection process.


featured provider = Featured Provider

Baltimore, MD Rating

Review Sources

4.8 (5317)
2.5 (23)

Why choose this provider?

Credit Saint is a financial services company that provides its expertise in credit and dispute monitoring for clients in Baltimore with credit history and standing issues. The company offers a comprehensive list of credit monitoring and assistance, which includes credit polish, remodeling, and clean slate services. The programs focus on credit score analysis, inquiry tracking, and creditor interventions. Each Credit Saint package is designed to fit clients' various needs, allowing them to choose a suitable plan to help improve their financial and credit history.

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


Baltimore, MD
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

600 South Clinton Street, Baltimore, MD 21224 Rating

Review Sources

4.3 (4)

Why choose this provider?

Based in Baltimore, Platinum Credit Repair helps clients manage credit debt and ensure that credit reports accurately reflect their financial information. The company provides counseling, private assessments, and assistance in contacting creditors through relevant documentation. It guides clients through credit repair procedures in line with best practices, laws, and statutes. Platinum Credit Repair's services are categorized based on three tiers that cover varying levels of credit needs. Aside from individuals, the firm caters to businesses seeking financial stability as well as clients needing wealth management support.

8422 Bellona Lane, Towson, MD 21204 Rating

Review Sources

5.0 (15)
4.7 (12)

Why choose this provider?

Charm City Credit Service is a credit repair service located in Towson. The firm helps Baltimore area residents recover from bad credit by removing unverifiable and misleading items on their credit reports. Among the items referred to are bankruptcies, foreclosures, tax liens, and student loans. This process helps clients qualify more easily for mortgage loans or commercial loans. The firm's leadership team includes members who possess years of experience working in the finance and banking industries.

910 Argonne Dr, Baltimore, MD 21218 Rating

Why choose this provider?

Sky Credit Repair is a credit repair company in Baltimore. The company assists clients in improving their credit scores by reviewing their credit reports and providing free consultations. Its credit specialists then help clients formulate an action plan based on in-depth research performed by gathering information from credit reporting agencies and figuring out if erroneous data affects their scores. The company offers software that lets clients track their progress and provides transparency throughout the process. Its representatives remain accessible through an online form or phone call. Clients can read Sky Credit Repair's Credit 101 article online to understand more about the basics of credit scores.

1010 Edgewood Rd Ste 106, Edgewood, MD 21040 Rating

Review Sources

5.0 (33)

Why choose this provider?

Credit Repair is a credit dispute firm founded in 2007. The company offers credit repair services, including helping clients directly take on creditors and collection agencies. To begin the process, clients can reach out to a credit specialist for a free phone intake and consultation. The staff at Credit Repair reviews their credit reports, completes financial audits of their credit, disputes negative terms, and reports the disputes to the credit bureaus to help clients improve their credit scores. The disputes can include late payment collections, and the firm places no limits on the number of investigations it conducts for clients.

9466 Georgia Ave, Suite 2105, Silver Spring, MD 20910 Rating

Review Sources

4.8 (78)

Why choose this provider?

Cure My Credit Score is a business in Silver Spring that serves the Baltimore area. With a commitment to help improve clients' credit scores and guide them in achieving their financial goals, it provides customized credit repair plans along with one-on-one coaching sessions. It also takes care of creditor disputes on behalf of clients. In addition, Cure My Credit Score provides education through numerous credit coaching videos. A client relates a story about the amount of education incorporated into the company's credit repair program.

  • Credit Dispute

3701 Old Court Road, Pikesville, MD 21208 Rating

Review Sources

3.1 (16)

Why choose this provider?

Credit Sweepers LLC provides credit repair services for individuals with low credit scores on their Experian, Equifax, and TransUnion reports. The company evaluates each document and legally challenges such issues as duplicated items, inaccurate late payment histories, items that are beyond the statute of limitations, and items showing zero balance that were included in bankruptcies. The company's consultants also check clients' reports for name inaccuracies and signs of unauthorized credit usage.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Baltimore, MDFree Credit Evaluation
Lexington Law
Baltimore, MDFree Credit Report Consultation
Platinum Credit Repair
600 South Clinton Street, Baltimore, MD 21224
Charm City Credit Service
8422 Bellona Lane, Towson, MD 21204
Sky Credit Repair
910 Argonne Dr, Baltimore, MD 21218
Credit Repair
1010 Edgewood Rd Ste 106, Edgewood, MD 21040
Cure My Credit Score
9466 Georgia Ave, Suite 2105, Silver Spring, MD 20910
Credit Sweepers, LLC
3701 Old Court Road, Pikesville, MD 21208


  • 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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