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Best Credit Repair Companies in Everett, WA

Our Recommended Top 5

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 Everett 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.



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Learn about our selection process.


featured provider = Featured Provider

Everett, WA Rating

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


Everett, WA
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

​13620 61st Ave SE, Everett, WA 98208 Rating

Review Sources

4.9 (49)
4.9 (29)

Why choose this provider?

750ispossible, LLC, caters to individuals and business owners in Everett and the surrounding areas. The company offers consultation and credit analysis and works with credit bureaus and the client's creditors to challenge negative items on the credit report using the law. It also gives clients easy access to their accounts for live status updates on improvements on their credit scores and reports. 750ispossible also assists clients with maximizing their scores to help them achieve their goals.

  • Credit Monitoring

4730 University Way NE Ste-104, Seattle, WA 98105 Rating

Review Sources

5.0 (18)
5.0 (7)

Why choose this provider?

Located in Seattle, Master Creditology helps clients across the Everett metro reach their financial goals. It guides individuals through the process of rebuilding credit. The company works to remove data involving various areas, from student loans and bankruptcies to late payments and inquiries, to help clients improve their credit scores. It also provides a credit report that includes information from TransUnion, Experian, and Equifax. The company has been in business for more than five years.

  • Credit Monitoring

4500 9th Ave NE #300, Seattle, WA 98105 Rating

Review Sources

4.8 (32)
5.0 (14)

Why choose this provider?

Take Charge Credit Consulting caters to customers in the Everett metro and the surrounding communities. It offers credit repair services, helping individuals regain their financial freedom. Its work process involves discussing the clients' credit situation, goals, and timeline, analyzing their credit reports, developing personalized plans addressing the negative items and disputing them, and providing continuous updates and essential credit education. The company is certified by the Credit Consultants Association. CEO Tierra Bonds' employment history includes working for the Department of Corrections.

  • Credit Monitoring
  • Credit Audit

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Everett, WAFree Credit Evaluation
Lexington Law
Everett, WAFree Credit Report Consultation
750 is possible, LLC
​13620 61st Ave SE, Everett, WA 98208
Master Creditology
4730 University Way NE Ste-104, Seattle, WA 98105
Take Charge Credit Consulting
4500 9th Ave NE #300, Seattle, WA 98105


  • 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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