Last updated:

Best Credit Repair Companies in Oklahoma City, OK

Our Recommended Top 8

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 Oklahoma 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.



8Top Picks

Learn about our selection process.


featured provider = Featured Provider

Oklahoma City, OK Rating

Review Sources

4.8 (5317)
2.5 (23)

Why choose this provider?

Credit Saint offers comprehensive credit repair programs that are tailored to the unique needs of its clients. It aims to educate people on their credit and the different packages that are available for them. These come in different levels, including Clean Slate, Credit Remodel, and Credit Polish packages. The process of this Oklahoma City credit restoration specialist involves creating a credit monitoring account for the client and analyzing their credit history to determine a credit repair solution.

  • Credit Audit
  • Credit Repair
  • Money Back Guarantee
  • Credit Restoration
  • Credit building

101 Park Ave Suite 1300, Oklahoma City, OK 73102 Rating

Review Sources

5.0 (25)
5.0 (14)

Why choose this provider?

Credit Fitness Financial serves individuals, families, and business owners in Oklahoma City and the surrounding locations. Its case analysts and advisors work closely with clients to develop personalized strategies that can help them clean up their bad or negative credit history due to unpaid credit card bills and child support payments. They also assist debtors in preparing and filing dispute letters. Customers can access their accounts through an online portal available 24/7. Credit Fitness Financial extends its services to Spanish-speaking clients.

  • Realtor
  • Debt Consolidation
  • Real estate agent
  • Credit building
  • Credit Repair
  • Money Back Guarantee
  • Debt Negotiations
  • Credit Restoration
  • Credit Dispute
  • Credit Audit
Lexington Law logo


Oklahoma City, OK
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

305 NW 5th St, Suite 1792, Oklahoma City, OK 73101 Rating

Review Sources

5.0 (4)
5.0 (2)

Why choose this provider?

Ncredible Credit offers credit repair assistance to the residents of Oklahoma City. This firm helps clients regain their credit worthiness, improving their credit scores and enabling them to access new loans. Its credit specialists work closely with clients to understand their credit repair needs and provide suitable dispute options. They file dispute letters and strive to release regular updates until credit ratings are restored. Moreover, they assist in rebuilding credit profiles. Ncredible Credit also handles identity theft protection issues.

Oklahoma City, OK 73101 Rating

Review Sources

5.0 (1)

Why choose this provider?

For over 45 years, Consumer Credit Counseling Service has provided credit repair services in Oklahoma City and the surrounding areas. Its certified financial coaches review credit reports for errors and outdated information and offer recommendations on improving credit scores. They assist with disputing errors on credit reports and deliver solutions to clients who have student loans, bankruptcy, foreclosures, and late payments on their records. Consumer Credit Counseling Service provides credit counseling services that include debt management plans, loan settlements, and negotiations. The firm's credit coaching program educates clients to read and interpret credit reports as well as calculate their credit scores.

121 East California Avenue, Oklahoma City, OK 73104 Rating

Why choose this provider?

Nero Credit Repair provides individuals in the Oklahoma City area with credit restoration solutions. The company's consultants analyze each of the three credit reports for its clients. They challenge items that appear to be fraudulent and inaccurate negative ratings. The company's professionals also offer debt consolidation solutions and options for student loans. They have successfully negated items that continue to appear after the statute of limitations in addition to the duplicate reporting of items.

3334 W Main St PMB 398, Norman, OK 73072 Rating

Why choose this provider?

Founded in 2010, TRW Credit Services is an attorney-based, full-service consumer and business credit consulting organization serving the Oklahoma City area. It challenges and removes questionable, unverifiable, misleading, and outdated items from credit reports. This credit restoration process involves initiating and maintaining communication between creditors and the clients using the organization's web-based credit monitoring systems to receive credit improvement progress updates. The firm's business credit programs allow managers to access financial assistance for existing or new business ventures. Additional services include credit education, identity theft insurance and restoration, and fraud alert assistance. TRW Credit Services is a member of the National Association of Credit Service Organizations.

3030 Northwest Expy #200, Oklahoma City, OK 73112 Rating

Review Sources

4.7 (38)
4.9 (31)

Why choose this provider?

Credit Coach Queen serves individuals in Oklahoma City and the neighboring areas. The service provider has been repairing bad personal or commercial credit reports for over a decade. It conducts one-on-one coaching sessions to teach clients to build solid credit profiles. Its mentoring plan includes credit 101, deep dive credit, personal budgeting, consumer rights, and VIP strategy session. Founder Becky, a published author, was featured on Fox 25 as an expert speaker where she talked about how to fund businesses and acquire irresistible credit.

  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Oklahoma City, OKFree Credit Evaluation
Credit Fitness Financial
101 Park Ave Suite 1300, Oklahoma City, OK 73102Free consultation
Lexington Law
Oklahoma City, OKFree Credit Report Consultation
Ncredible Credit
305 NW 5th St, Suite 1792, Oklahoma City, OK 73101
Consumer Credit Counseling Service
Oklahoma City, OK 73101
Nero Credit Repair
121 East California Avenue, Oklahoma City, OK 73104
TRW Credit Services
3334 W Main St PMB 398, Norman, OK 73072
Credit Coach Queen
3030 Northwest Expy #200, Oklahoma City, OK 73112


  • 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.

Related Articles


How To Hire A Credit Repair Company

Credit repair can improve your financial standing. Learn how to find a qualified credit repair expert who helps build up your...