Last updated:

Best Credit Repair Companies in Seattle, WA

Our Recommended Top 11

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 Seattle 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.



11Top Picks

Learn about our selection process.


featured provider = Featured Provider

Seattle, WA Rating

Why choose this provider?

Credit Saint provides credit repair services to consumers in Seattle. In business for more than 15 years, it provides clients with a credit monitoring service as it evaluates their credit history for inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, foreclosures, repossessions, and judgments that the company challenges or negotiates. Credit Saint also counsels clients on the impact of their scores on financial activities and on the ways of optimizing a positive report when paying bills and opening or closing credit.

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


Seattle, 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.

  • Consumer Credit Services
  • Credit Repair

1001 4th Ave Ste 3200, Seattle, WA 98154 Rating

Review Sources

5.0 (31)

Why choose this provider?

Symmes Law Group PLLC is a credit repair company in Seattle with a legal team that can help clients fix their financial situation. After auditing credit reports, the company can advise clients on how to improve their credit scores. Its lawyers use a multiple-phase dispute process to have inaccurate items removed by the credit agencies if they are unable to validate them. Symmes Law Group makes sure that the credit bureaus provide original documentation as proof of validation. The firm also sends out estoppel letters and FTC complaints to creditors who do not comply with FCRA laws.

Attorney Information

Attorney NameBar StatusExperience
Richard Symmes - PrincipalActive15 yrs

787 Maynard Ave S, Seattle, WA 98104 Rating

Review Sources

4.6 (11)
3.0 (2)

Why choose this provider?

Henry & DeGraaff PS is a law firm that offers credit repair services in Seattle to individuals and businesses that need help with their credit debt. The firm specializes in credit repair and provides a variety of credit solutions to help clients improve their credit scores. Using state and federal laws, its attorneys can legally challenge the three credit bureaus to remove inaccurate, misleading, incomplete, or unverifiable information on a client's credit report. If necessary, Henry & DeGraaff can defend clients against collection agencies and other harassing creditors through litigation.

Attorney Information

Attorney NameBar StatusExperience
Christina Henry - Founding AttorneyActive23 yrs

701 5th Avenue, Seattle, WA 98104 Rating

Review Sources

4.6 (52)
4.6 (39)
4.0 (10)

Why choose this provider?

CreditCEO is a company that helps its customers repair their credit scores. The company was listed as the Expert Credit Advisor of Fox News. CreditCEO offers credit coaching and education for individuals interested in learning the inner workings of their credit. Mortgage loan prequalification is also offered to customers who are searching to buy a house. To help improve its user's credit score, the company disputes any bad accounts on the user's credit report.

650 S Orcas St Ste 114, Seattle, WA 98108 Rating

Review Sources

5.0 (3)

Why choose this provider?

Founded in 1955, Construction Credit Corp provides credit repair services in the Seattle area, focusing on serving affiliates of the construction industry, including subcontractors, building materials suppliers, attorneys, and financial institutions. The company's experts offer credit consulting services to establish current credit status. They work on daily status reports and monthly status information on contractors. Construction Credit Corp also assists with foreclosure issues, lien notification, and filing services, and it acts as a link to attorneys by offering referral services in case of legal issues. Construction Credit Corp holds credit seminars and provides reading material to educate people on state laws.

23632 Highway 99 Ste F404, Edmonds, WA 98026 Rating

Why choose this provider?

Founded in 1993, The Credit Guru is a trusted credit repair company near Seattle that helps individuals fix bad credit and raise their credit scores. The company offers a free consultation to analyze credit reports and recommend what services are available to the client. Its credit specialists work to have negative items removed or corrected by working closely with the three credit bureaus of TransUnion, Experian, and Equifax. The Credit Guru can continue to monitor a client's account each day to make sure questionable items are getting deleted and the desired credit score is achieved.

P.O. Box 638, Bellevue, WA 98009 Rating

Review Sources

5.0 (4)

Why choose this provider?

Kidworth Group & Associates, LLC, caters to clients in the Seattle metro and the surrounding areas. It offers credit repair services, which help make getting a job or finding a place to live easier. Its process involves obtaining reports from the major credit bureaus; removing incorrect items such as bankruptcy, car reposition, and foreclosures; providing personalized credit score improvement analysis, and challenging illegal activities issued by the credit bureaus. Kidworth Group & Associates brings nearly 17 years of experience in the industry.

  • Debt Consolidation
  • Credit Monitoring

Lacey, WA 98503 Rating

Review Sources

4.8 (45)
5.0 (25)

Why choose this provider?

Take Charge Credit Consulting helps clients in Seattle in regaining their financial freedom. It provides credit repair and building services, which include working with credit bureaus to dispute questionable records and account history. The company uses modern financial strategies to improve clients' credit scores, including the use of educational modules and a brief overview of credit laws. Owner Tierra Bonds uses her experience as an independent contractor in the marketing industry to change the lives of people by enhancing their ability to deal with evolving economic conditions.

  • Credit Monitoring
  • Credit Audit

1 Union Square 600 University Street Suite 2409, Seattle, WA 98101 Rating

Review Sources

5.0 (3)
5.0 (1)

Why choose this provider?

American Financial Solutions is a nonprofit financial education, debt consolidation, and credit counseling agency that has improved the financial lives of residents in Seattle since 1999. The credit counseling personnel are certified by the National Foundation of Credit Counselors to offer credit report evaluation services and provide recommendations suited to the clients' credit situation. They also assist with the management of student loans, debt management, pre and post-bankruptcy counseling, and foreclosure prevention services. American Financial Solutions provides credit, debt, and budgeting education as well as pre-purchase homeownership counseling. Its housing counselors are certified by the Federal Bureau of Housing and Urban Development.

1001 4th Avenue, Seattle, WA 98154
Website Rating

Review Sources

4.4 (319)

Why choose this provider?

Veteran Credit Repair is a local company that serves clients in Seattle. It provides assistance in removing negative items from a client's credit report. These include bad credit due to late payments, loan defaults, mortgage foreclosures, alimony, divorce, and job loss. Its credit repair services include evaluation of credit history as well as credit education and credit repair information. Its team offers software that helps clients in monitoring the progress.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Seattle, WAFree Credit Evaluation
Lexington Law
Seattle, WAFree Credit Report Consultation
Symmes Law Group, PLLC
1001 4th Ave Ste 3200, Seattle, WA 98154
Henry & DeGraaff, PS
787 Maynard Ave S, Seattle, WA 98104
701 5th Avenue, Seattle, WA 98104
Construction Credit Corp
650 S Orcas St Ste 114, Seattle, WA 98108
The Credit Guru
23632 Highway 99 Ste F404, Edmonds, WA 98026
Kidworth Group & Associates, LLC
P.O. Box 638, Bellevue, WA 98009
Take Charge Credit Consulting
Lacey, WA 98503
American Financial Solutions
1 Union Square 600 University Street Suite 2409, Seattle, WA 98101
Veteran Credit Repair
1001 4th Avenue, Seattle, WA 98154


  • 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...