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Best Credit Repair Companies in Saint Paul, MN

Our Recommended Top 7

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  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Saint Paul 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

Saint Paul, MN Rating

Review Sources

4.8 (7968)
2.5 (25)

Why choose this provider?

Credit Saint is a credit repair and restoration company serving individuals in the Birmingham area. Its team oversees the details of the clients' credit history to determine the transactions that may be contributing to their bad credit standing. It also analyzes clients' positive credit and provides information on optimizing credit utility. Credit Saint's team creates a monitoring account on behalf of each client. Through this, clients are able to track their progress and credit analysis on the company's web platform.

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


Saint Paul, MN
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

12751 County Road 5 Ste 100, Burnsville, MN 55337 Rating

Review Sources

4.0 (3)

Why choose this provider?

Credilife is a financial wellness company that delivers credit repair services in the St. Paul area. The company's experts protect consumers' rights by engaging credit reporting agencies and working to have negative, unverifiable, and incorrect items removed from credit reports. The repair process involves credit report evaluation and dispute management with various credit bureaus and creditors. The company's credit life improvement program offers education about healthy credit practices, credit coaching, and budgeting concepts, as well as offering budgeting tools. Its business credit program helps businesses to obtain money and eliminate their debt. Credilife also provides credit counseling services, debt management assistance, and student loan solutions.

5871 Cedar Lake Road, St. Louis Park, MN 55416 Rating

Review Sources

4.0 (1)

Why choose this provider?

Consumer Credit of Minnesota is a financial agency that offers credit repair services near Saint Paul for individuals and families struggling with debt. Its credit counselors review a client's assets and debts to determine what strategies are needed to improve their credit scores. It has a debt repayment program that consolidates a client's loans and credit bills into a single monthly payment. Consumer Credit also provides educational seminars to teach people how to manage their money better.

2780 Snelling Ave N Ste 302, Saint Paul, MN 55113 Rating

Why choose this provider?

Founded in 1972, Kain & Scott is a law firm offering credit repair services in Saint Paul to consumer credit users who need to improve their scores. The firm's credit repair program connects clients facing bankruptcy and in need of credit repair with a personal specialist who helps examine credit reports to find information that is legally removable due to inaccuracy, passage of time, or other factors. The company also offers educational courses designed to help clients improve or maintain an adequate credit score. Another helpful feature provided by Kain & Scott is its available list of post-bankruptcy lending professionals.

Attorney Information

Attorney NameBar StatusExperience
William Kain - PartnerActive42 yrs

445 Minnesota St Ste 1500, Saint Paul, MN 55101 Rating

Why choose this provider?

Credit Remedy Consultants is a credit repair company in Saint Paul that helps residents achieve desirable credit profiles and build confidence when applying for credit. Its professionals conduct step-by-step credit report analyses and offer personalized credit recommendations. They submit dispute letters to creditors and the credit bureaus to challenge negative report items, including inquiries that affect credit scores. The firm assists with late payments, charge offs, bankruptcy, and judgments. It also provides credit education and business and mortgage credit services. Credit Remedy Consultants offers email notifications and 24/7 status updates for clients to track the real-time progress of their credit repair.

80 S 8th St Ste 900, Minneapolis, MN 55402 Rating

Why choose this provider?

Credit Repair Minnesota is a credit repair agency near Saint Paul. The company specializes in credit restoration, offering a detailed credit repair program that includes identifying inaccurate items and leading the dispute process with credit agencies. Its credit analysts research unverifiable entries on credit reports and work to remove these items to boost credit scores. They also provide credit education and budgeting information to teach clients more about finances, covering topics that include credit score calculations and mortgage ratings. Credit Repair Minnesota deals with late payments, bankruptcies, judgments, collections, and tax liens to help people through the credit restoration process and secure a better financial future.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Saint Paul, MNFree Credit Evaluation
Lexington Law
Saint Paul, MNFree Credit Report Consultation
12751 County Road 5 Ste 100, Burnsville, MN 55337
Consumer Credit of Minnesota
5871 Cedar Lake Road, St. Louis Park, MN 55416
Kain & Scott, P.A.
2780 Snelling Ave N Ste 302, Saint Paul, MN 55113
Credit Remedy Consultants
445 Minnesota St Ste 1500, Saint Paul, MN 55101
Credit Repair Minnesota
80 S 8th St Ste 900, Minneapolis, MN 55402


  • 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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