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Best Credit Repair Companies in Reading, PA

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 Reading 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.

67Reviewed

42Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Reading, PA

Expertise.com Rating

Review Sources

Google
4.9 (6432)
Yelp
2.5 (25)

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

Lexington LawExpertise.com

Reading, PA
Free Credit Report Consultation

Expertise.com Rating

Review Sources

Facebook
4.3 (2911)
Yelp
1.5 (572)

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

Reading, PA 19606

Expertise.com Rating

Why choose this provider?

Fresh Focus Credit Solutions caters to families and individuals in Reading and nearby locations. It offers an array of credit repair solutions to improve debtors' credit scores. The business conducts in-depth analysis to identify questionable items that may affect clients' credit records. It conducts one-on-one consultations to build strategies on how customers can prevent late payments, bankruptcies, and charge-offs. It also works with various credit reporting agencies. The company has been in operation since 2016.

  • Credit Monitoring

1700 Market St, Ste 1005, Philadelphia, PA 19103

Expertise.com Rating

Review Sources

Google
4.7 (31)

Why choose this provider?

​i2i Credit Repair Company serves individuals in Reading and nearby areas. It assigns a personal consultant who analyses a client's current credit score and educates them about credit and maintenance after the program. The company assists in creating custom dispute letters to remove negative items and errors from reports. It also offers services to grow business credit and helps seek funding after completion of the programs. It partners with attorneys and tax professionals looking to increase their clients' credit scores.

  • Credit Dispute

1907 Cricklewood Cove, Fogelsville, PA 18051

Expertise.com Rating

Review Sources

Facebook
5.0 (33)
Google
5.0 (3)

Why choose this provider?

Educate & Restore Credit assists individuals in Reading in resolving their financial qualification issues. Its team works with customers to improve their FICO scores, which range from the low 400s to the high 700s, by disputing unverifiable, erroneous, and inaccurate information on their Experian, Equifax, and Transunion credit reports. They also negotiate with creditors to lower or remove additional debt charges to help make payments manageable for the debtors. The company has more than 25 years of experience.

  • Credit Dispute

623 N. Pottstown Pike Suite B, Exton, PA 19341

Expertise.com Rating

Review Sources

Facebook
4.9 (180)
Google
5.0 (90)
Yelp
1.0 (1)

Why choose this provider?

Coulter Credit serves customers in Reading and the surrounding areas. It provides a variety of services such as consultation, restoration, and credit review and repair. It also helps entrepreneurs establish and use business credit and financing. It examines the client's most recent credit report to determine what is lowering their scores and disputes inaccurate or unverifiable information to improve their credit scores. Its team assists clients who are dealing with charge-offs, repossessions, and late payments.

  • Credit Monitoring

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Reading, PAFree Credit Evaluation
Lexington Law
Reading, PAFree Credit Report Consultation
Fresh Focus Credit Solutions
Reading, PA 19606
​i2i Credit Repair Company
1700 Market St, Ste 1005, Philadelphia, PA 19103
Educate & Restore Credit
1907 Cricklewood Cove, Fogelsville, PA 18051
Coulter Credit
623 N. Pottstown Pike Suite B, Exton, PA 19341

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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