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Best Credit Repair Companies in Cincinnati, OH

Our Recommended Top 6

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 Cincinnati 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.



6Top Picks

Learn about our selection process.


featured provider = Featured Provider

Cincinnati, OH Rating

Review Sources

4.8 (10602)
2.2 (30)

Why choose this provider?

Credit Saint provides credit repair services for clients in Cincinnati. With over 15 years of experience, the company evaluates a consumer's credit history to challenge inaccurate, misleading, incomplete, or unverifiable information. These include judgements, collections, late payment reports, charge-offs, and foreclosures. It also aids in negotiating with creditors and assists consumers in understanding how credit scores influence their finances, including interest rates and loans. Credit Saint also provides clients with a credit monitoring system.

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


Cincinnati, OH
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.

  • Credit Repair
  • Consumer Credit Services

8075 Reading Road Suite 300 H&I (3rd Floor), Cincinnati, OH 45237 Rating

Review Sources

5.0 (14)

Why choose this provider?

Beyond Credit Repair is a credit repair company in Cincinnati that helps clients improve their credit scores. The credit repair process involves private assessments, personal consulting, and identity documentation. The professionals are well trained in statutes, recent laws, and credit reporting practices, and they strive to ensure that credit reports contain only correct information. They tackle negative items on reports by sending dispute letters to credit bureaus. The staff offers monthly credit repair updates and coaching, and clients have access to a customer portal to monitor progress. Additional services include credit and debt counseling to educate clients on proper credit management. Beyond Credit Repair supports small businesses through multiple startup assistance services.

71 Cavalier Blvd Ste 224, Florence, KY 41042 Rating

Review Sources

5.0 (11)
3.5 (6)
5.0 (2)

Why choose this provider?

A Debt Coach Credit Counseling is a nonprofit credit counseling service with over 20 years of experience assisting clients in the Cincinnati area. The company offers clients a debt management program to help improve credit scores that can negatively impact the ability to secure credit, loans, insurance, or apartment rentals. Its instructors educate consumers on ways to access and review their annual credit report and credit score and show them how to identify and dispute any inaccuracies. A Debt Coach Credit Counseling is approved by the US Department of Justice to offer pre-filing credit counseling to people about to file for bankruptcy protection, in addition to providing post-filing debtor education services.

6809 Main Street, Cincinnati, OH 45244 Rating

Review Sources

4.4 (24)
5.0 (6)
5.0 (1)

Why choose this provider?

ASAP Credit Repair is a Cincinnati-based company that assists clients in improving their credit scores. The ASAP team helps clients remove bankruptcies, charge offs, credit fraud, foreclosures, judgments, late payments, and other factors affecting their credit score. Its experts do this through a three-step process that involves reviewing credit history to find items that can be disputed, communicating with credit bureaus to dispute inaccuracies in the client's credit report, and educating the client to avoid similar problems in the future.

4030 Mount Carmel Tobasco Rd Ste 125, Cincinnati, OH 45255 Rating

Review Sources

5.0 (42)
5.0 (3)

Why choose this provider?

Complete Credit Repair Services provides credit repair services in Cincinnati and the surrounding areas. Its professionals analyze the authenticity of personal information in credit reports to determine false or outdated information. They use leading-edge software to document and send the dispute items weekly, thereby hastening the credit repair process. The firm works with all credit bureaus to provide both limited and unlimited dispute analysis. It offers credit improvement strategies, financial improvement stimulation, and credit education sessions. Clients have access to a secure portal 24/7, and the repair team provides monthly progress updates via text or email.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Cincinnati, OHFree Credit Evaluation
Lexington Law
Cincinnati, OHFree Credit Report Consultation
Beyond Credit Repair
8075 Reading Road Suite 300 H&I (3rd Floor), Cincinnati, OH 45237
A Debt Coach Credit Counseling
71 Cavalier Blvd Ste 224, Florence, KY 41042
ASAP Credit Repair
6809 Main Street, Cincinnati, OH 45244
Complete Credit Repair Services
4030 Mount Carmel Tobasco Rd Ste 125, Cincinnati, OH 45255


  • 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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