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Best Credit Repair Companies in Toledo, 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 Toledo 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

Toledo, OH Rating

Review Sources

4.8 (10602)
2.2 (30)

Why choose this provider?

Credit Saint provides credit repair services to clients in Toledo and nearby communities. It helps clients understand their credit score and history, and locate any damage that has influenced their credit report. Through an online account page and private dashboard, Credit Saint can update clients with a full analysis and progress report of their credit repair. The company will also equip clients with tips and techniques on how to leave a positive credit history.

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


Toledo, 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.

  • Consumer Credit Services
  • Credit Repair

3454 Oak Alley Ct Ste 505, Toledo, OH 43606 Rating

Review Sources

4.8 (518)
4.5 (3)

Why choose this provider?

Witness Riches | The 700 Club is a credit repair company in Toledo that's been operational since 2013. The team helps clients raise their credit scores by petitioning for the removal of negative items from credit reports from all three reporting agencies. It disputes up to 30 negative items each month and handles all correspondence. The company seeks validation for charge offs, collections, judgments, late payments, and bankruptcies. It works on issues surrounding incorrect addresses, foreclosures, tax liens, inquiries, and repossessions. The company offers unlimited real-time customer support via email, phone, text, or social media. Witness Riches also delivers credit education to its clients.

1715 Indian Wood Cir Ste 200, Maumee, OH 43537

Why choose this provider?

Velocity Credit Solution is a credit repair company serving Toledo that offers effective financial programs to help people raise their credit scores. Its credit counselors identify any inaccurate information on credit reports that are bringing down a client's credit score. To begin the repair process, the company uses consumer laws to dispute negative items such as late payments, tax liens, charge-offs, bankruptcies, and identity theft with the credit agencies. When the credit reports come back, Velocity Credit Solution makes sure that all unverifiable items were removed or corrected. It also teaches clients how to continue raising their credit scores and stay out of debt.

5577 Airport Hwy Ste 200, Toledo, OH 43615 Rating

Review Sources

5.0 (5)

Why choose this provider?

Founded in 2005, Smart Money Management helps clients in Toledo and surrounding areas rebuild their credit. Services available from this firm include financial management, personnel bookkeeping, and student loan consolidation services. It also helps its clients establish financial plans by using its bookkeeping system, and it assists in debt decisions, including settlements, consolidation, and bankruptcy filings. Additionally, the firm offers clients student loan consolidation programs that may significantly reduce interest rates and monthly payments while keeping clients on track for loan repayment. Smart Money Management also analyzes credit reports and disputes old and incorrect data with an eye toward boosting clients' credit scores.

3950 Sunforest CT 2nd Floor, Toledo, OH 43623 Rating

Review Sources

5.0 (12)

Why choose this provider?

Sparkle Credit Solutions LLC develops a personalized plan to help its clients achieve their financial goals. The company's consultants analyze the individual's credit reports and explains the current credit status. They create a customized dispute letter, which is sent on the client's behalf. The company has successfully and legally removed a wide variety of negative items, including judgments, collections, foreclosures, and bankruptcies. Clients receive instant 24/7 online access to their account and assistance with developing better budgeting habits.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Toledo, OHFree Credit Evaluation
Lexington Law
Toledo, OHFree Credit Report Consultation
Witness Riches | The 700 Club
3454 Oak Alley Ct Ste 505, Toledo, OH 43606
Velocity Credit Solution
1715 Indian Wood Cir Ste 200, Maumee, OH 43537
Smart Money Management
5577 Airport Hwy Ste 200, Toledo, OH 43615
Sparkle Credit Solutions, LLC
3950 Sunforest CT 2nd Floor, Toledo, OH 43623


  • 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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