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Best Credit Repair Companies in Cleveland, 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 Cleveland 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

Cleveland, OH Rating

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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


Cleveland, OH
Free Credit Report Consultation Rating

Review Sources

4.7 (276)

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

2150 West 117th St., Cleveland, OH 44111 Rating

Review Sources

5.0 (39)
5.0 (11)
1.0 (1)

Why choose this provider?

From its location in Cleveland, Tay Credit Repair helps individuals who are missing out on opportunities due to low credit scores. Its agents offer consultations and analyze reports to find items that can be challenged. They raise disputes with credit bureaus and coach customers on how to improve their scores. Clients are given different options, such as DIY credit repair and monthly monitoring. The company deals with consumer, mortgage, and business credit and handles the preparation of documents.

2000 Auburn Drive, Beachwood, OH 44122

Why choose this provider?

United Credit Repair & Financial Coaching works with individuals and businesses in Cleveland with its credit repair services. The firm assists its clients with common credit report errors, such as late payments, foreclosures, repossessions, collections, charge-offs, and bankruptcies. Services cover consumer credit repair and business credit building and finance suite. United Credit Repair & Financial Coaching also offers business loans and an affiliate program. It has a team of advising and finance team with proven years of experience in guiding customers with their credit scores.

26401 Emery Road, Ste 105, Cleveland, OH 44128 Rating

Review Sources

5.0 (29)
4.1 (23)
3.0 (2)

Why choose this provider?

Based in Cleveland, Credit Repair Resources guides clients throughout the process of authentication and verification of judgments, late payments, invalid items, foreclosures, and collections. On behalf of its clients, the credit repair company employs consumer laws to help build and protect their credit. The company offers different credit-building tools for its clients and hosts webinars to teach consumers about credit cards and collections. Its owners, Chad Kusner and Bob Willis, have worked on litigation and mortgage lending in the past.

6100 Oak Tree Blvd Suite 200, Cleveland, OH 44131 Rating

Review Sources

5.0 (38)
5.0 (9)

Why choose this provider?

Aspiration Financial Services offers credit repair assistance for residents in Cleveland and nearby locations. Its team conducts credit score analyses and implements strategies accordingly, with a commitment to help improve clients' scores and aid them in becoming financially independent. The professionals work with creditors and credit bureaus to challenge negative items that impact clients' credit scores. In addition to credit repair and restoration, they offer credit score maintenance, credit education and building, and tax preparation services.

  • Credit Monitoring
  • Credit Repair

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Cleveland, OHFree Credit Evaluation
Lexington Law
Cleveland, OHFree Credit Report Consultation
Tay Credit Repair
2150 West 117th St., Cleveland, OH 44111
United Credit Repair & Financial Coaching
2000 Auburn Drive, Beachwood, OH 44122
Credit Repair Resources
26401 Emery Road, Ste 105, Cleveland, OH 44128
Aspiration Financial Services
6100 Oak Tree Blvd Suite 200, Cleveland, OH 44131


  • 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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