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Best Credit Repair Companies in Dayton, OH

Our Recommended Top 7

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 Dayton 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.

114Reviewed

71Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Dayton, OH

Expertise.com Rating

Review Sources

Google
4.8 (8774)
Yelp
2.5 (26)

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

Lexington LawExpertise.com

Dayton, OH
Free Credit Report Consultation

Expertise.com 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

4449 Easton Way, Columbus, OH 43219

Expertise.com Rating

Review Sources

Google
4.0 (36)

Why choose this provider?

AAACredit is a credit repair and debt settlement company that serves clients in Dayton and the surrounding areas. It offers to improve and repair credit scores by removing unverified and inaccurate debts. It has helped multiple customers delete bankruptcy claims, medical billings, eviction payments, and derogatory credit cards. The company can also remind clients of incoming or unpaid bills to keep their scores afloat. Previous customers have spoken highly of the company's efficient investigation on all billings, from subscriber inquiries to fake accounts.

  • Credit Audit

8075 Reading Road, Cincinnati, OH 45237

Expertise.com Rating

Review Sources

Google
5.0 (14)
Facebook
5.0 (1)

Why choose this provider?

Beyond Credit Repair helps clients in Dayton increase their credit scores to improve their future and save time, money, and frustration. Its services include private assessment, face-to-face personal consulting, and document processing. Trained on recent laws, statutes, and credit reporting practices, Beyond Credit Repair determines the items on customer reports that negatively affect their scores. With its credit and debt counseling services, the company helps clients improve their credit scores and get financial freedom.

  • Credit Dispute

205 West Franklin Street, Centerville, OH 45459

Expertise.com Rating

Review Sources

Google
5.0 (101)
Facebook
5.0 (5)

Why choose this provider?

Platinum Credit NOW is a credit repair company serving the Dayton metro and its surrounding communities. It helps its clients resolve credit issues and repair their credit scores through personalized plans that suit their unique needs. Its team of credit counselors and financial specialists provides unlimited credit counseling and support and conducts weekly credit score monitoring. The company also educates its clients on financial planning and credit building and recommends strategies to help them maintain financial stability.

  • Debt Consolidation
  • Credit Monitoring

1985 West Henderson Road, Columbus, OH 43220

Expertise.com Rating

Review Sources

Facebook
4.5 (160)
Yelp
3.5 (20)
Google
5.0 (8)

Why choose this provider?

ASAP Credit Repair & Financial Education is a credit repair company that started its operations in 1998. Serving clients in Dayton, the firm resolves financial problems such as late payment, credit fraud, foreclosure, and bankruptcy. Additionally, the company fixes issues involving charge off, collection, judgment, and public record. The firm also offers credit score improvement services. Its average success rate is 73%, which exceeds the industry standard by three times. Furthermore, ASAP Credit Repair & Financial Education follows the guidelines set by FTC.

  • Credit Monitoring

Birch Alley, Centerville, OH 45440

Expertise.com Rating

Review Sources

Google
4.0 (8)

Why choose this provider?

CMAC Credit Experts is a company that has been serving Dayton since 2001. It offers credit repair services to help its clients improve their credit ratings by addressing a wide range of factors. A consultation service is also available to evaluate credit reports and scores. The company's president, Christina Hunt, has been working as a credit scoring expert for more than 20 years. She also provides credit coaching for brokers, real estate investors, and financial professionals.

  • Credit Dispute

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Dayton, OHFree Credit Evaluation
Lexington Law
Dayton, OHFree Credit Report Consultation
Aaacredit
4449 Easton Way, Columbus, OH 43219
Beyond Credit Repair
8075 Reading Road, Cincinnati, OH 45237
Platinum Credit NOW
205 West Franklin Street, Centerville, OH 45459
ASAP Credit Repair & Financial Education
1985 West Henderson Road, Columbus, OH 43220
CMAC Credit Experts
Birch Alley, Centerville, OH 45440

FAQs

  • 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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