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Best Credit Repair Companies in Kansas City, MO

Our Recommended Top 10

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 Kansas City 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.



10Top Picks

Learn about our selection process.


featured provider = Featured Provider

PO Box 110, Kansas City, MO Rating

Review Sources

4.8 (5317)
2.5 (23)

Why choose this provider?

Credit Saint is a credit restoration company near Kansas City that is dedicated to assisting clients in improving their credit scores. The company aims to help clients understand that credit scores aren't just about credit damage. Credit Saint provides services tailored to each client's unique needs and goals. The company is passionate about educating clients to know more about how the process works in order to help protect them from any possible credit issues.

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


Kansas City, MO
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

3125 Gillham Plz, Kansas City, MO 64109 Rating

Review Sources

5.0 (2)

Why choose this provider?

Located in Kansas City, CHES Inc. is a financial empowerment organization that provides assistance with credit restoration as well as the services of HUD-certified homeownership advisers. The organization works one-on-one with clients to assess their financial situation. It examines credit reports for errors and other factors that can cause clients' scores to be adversely affected, then provides a suitable plan of action to help clients restore their creditworthiness. Additionally, CHES provides 24/7 access to its online portal so clients can budget and calculate effective debt payments. CHES offers several other credit repair services in Kansas City, including education and counseling for building or restoring credit.

2811 E 67th St, Kansas City, MO 64132 Rating

Review Sources

5.0 (2)

Why choose this provider?

Credit Sense Credit Repair, LLC, assists individuals located in the Kansas City metro. It reviews customers' credit reports to identify and challenge inaccurate and unverified information that may be present. Its analysts advise clients on how their credit scores affect their financial activities and help in improving their standing in order to pay bills or open accounts. The company offers a monitoring system powered by a third-party affiliate to check if clients' information is updated.

Kansas City, MO 64116 Rating

Review Sources

3.0 (4)

Why choose this provider?

Kansas City Credit Repair Service offers assistance to clients in the metro and throughout the nearby areas. The company comprises credit restoration counselors who are experienced, equipped with legal knowledge, and know how to identify and challenge unverifiable or erroneous information in customers' credit histories. They also educate customers on understanding their credit reports and achieving good credit. In addition to credit repair, the company helps clients who have been victimized by identity theft.

  • Credit Monitoring

4041 Northeast Lakewood Way, Lee's Summit, MO 64064 Rating

Review Sources

4.0 (242)
4.0 (4)
4.8 (1)

Why choose this provider?

Credit Law Center is a credit repair company that serves Kansas City. Its credit advisors help improve and maintain credit scores through credit monitoring. They also file disputes for unverifiable, missing, or negative items on clients' credit reports. Credit Law Center also has a legal team that handles debt defense for clients who are sued by debt collectors. The company has been featured in publications like Fox, CBS, NBC, and Cumulus.

2300 Main Street, Kansas City, MO 64108 Rating

Review Sources

5.0 (3)
5.0 (1)

Why choose this provider?

Alfa Credit Repair, LLC, is a local company that serves individuals, families, and businesses in Kansas City and the surrounding areas. Its team of credit repair specialists uses both conventional dispute processes and aggressive strategies to restore a client's credit. They focus on removing any error, outdated information, or unverifiable data from their client’s credit report. The team at Alfa Credit Repair, LLC, can help remove records of bankruptcies, charge-offs, late payments, foreclosures, garnishments, and repossessions.

107 W. 9th Street, 2nd Floor, Kansas City, MO 64105
Website Rating

Review Sources

5.0 (25)
5.0 (5)

Why choose this provider?

From its office in Kansas City, Mikel's Financial Group offers solutions to repair clients' credit scores. Through their experience in handling consumer, mortgage, and business credits, the case analyst and advisor assigned to every client strive to restore creditworthiness by preparing and submitting documents in raising disputes with credit agencies. About 93 percent of past clients have attested to achieving a 10-point increase on their score in the first 35 days since they enrolled in the firm's credit education program.

  • Debt Consolidation
  • Credit Dispute

2016 Swift Ave, North Kansas City, MO 64116 Rating

Why choose this provider?

KC Credit Services is a credit repair company near Kansas City with over 25 years of experience in helping clients improve their credit scores. It also assists them in achieving financial goals, including buying homes and cars. Its services focus on those with debt, beginning with full audits of credit reports from the three major bureaus, then following up with dispute submission to remove unverified or erroneous items it finds in those records. Additionally, it offers personalized recommendations on how to build credit, comprehensive credit education, access to a wide range of credit lines, and a business credit program aimed at companies that need funding.

11525 E 74th Street Ct, Kansas City, MO 64133 Rating

Why choose this provider?

Consumer Credit Counseling Service is a credit repair agency in Kansas City with a strong focus on educating customers and helping them to plan their financial futures. It provides credit reports and scores and explains them in detail to clients, helping them create strategies to raise their credit scores. Additionally, it assists clients by disputing incorrect, unfair, or outdated credit report items, including collections, late payments, and charge-offs. It also offers a range of financial and credit education tools through an online portal, helps with budgeting and getting out of debt, and has resources available for clients who wish to buy homes.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
PO Box 110, Kansas City, MOFree Credit Evaluation
Lexington Law
Kansas City, MOFree Credit Report Consultation
CHES, Inc.
3125 Gillham Plz, Kansas City, MO 64109
Credit Sense Credit Repair
2811 E 67th St, Kansas City, MO 64132
Kansas City Credit Repair Service
Kansas City, MO 64116
Credit Law Center
4041 Northeast Lakewood Way, Lee's Summit, MO 64064
Alfa Credit Repair, LLC
2300 Main Street, Kansas City, MO 64108
Mikel's Financial Group
107 W. 9th Street, 2nd Floor, Kansas City, MO 64105
KC Credit Services
2016 Swift Ave, North Kansas City, MO 64116
Consumer Credit Counseling Service
11525 E 74th Street Ct, Kansas City, MO 64133


  • 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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