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Best Credit Repair Companies in Tacoma, WA

Our Recommended Top 10

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Tacoma 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.

147Reviewed

92Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Tacoma, WA

Expertise.com Rating

Review Sources

Google
4.8 (10602)
Yelp
2.2 (30)

Why choose this provider?

Credit Saint is a credit repair company servicing Tacoma residents. It offers three credit restoration packages, namely, credit polish, credit remodel, and clean slate programs. These packages provide credit score analysis and creditor interventions and dispute credit report items with credit bureaus. These negative report items include credit inquiries, foreclosures, late payments, and repossessions, which can be removed to restore clients' credit ratings. Credit Saint creates an online monitoring account for each client for progress updates.

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

Lexington LawExpertise.com

Tacoma, WA
Free Credit Report Consultation

Expertise.com Rating

Review Sources

Facebook
4.3 (2911)

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

Tacoma, WA

Expertise.com Rating

Review Sources

Facebook
4.9 (39)
Yelp
4.0 (39)
Google
1.0 (1)

Why choose this provider?

LSI Credit Solutions offers credit repair assistance to Tacoma clients. This firm helps relieve individuals from restrictions due to bad credit scores and assists in the credit rebuilding process. Its credit protection package aims to eliminate negative credit report items, whether current or future, and aids in the creation of custom strategic plans. A designated professional walks clients through the credit reports from three credit bureaus and aids in filing disputes. LSI Credit Solutions also provides debt settlement services.

1001 4th Avenue, Seattle, WA 98154
Website

Expertise.com Rating

Review Sources

Facebook
4.4 (319)
Yelp
1.0 (1)

Why choose this provider?

Veteran Credit Repair is a credit repair company in Tacoma that works on the client's behalf to remove negative items on their credit report. Its repair services cover bad credit due to mortgage foreclosures, late payments, alimony, divorce, loan defaults, and job loss. The company conducts an evaluation of the client's credit history. It also educates clients on the various aspects of credit and provides information and corrects misconceptions on credit repair. Veteran Credit Repair also offers software that allows clients to monitor their progress.

1108 N 6th St, Tacoma, WA 98403

Expertise.com Rating

Review Sources

Yelp
2.5 (7)

Why choose this provider?

Law Offices of James H. MaGee, Washington Bankruptcy Attorney is a credit repair company in Tacoma. The company offers credit counseling services from experienced bankruptcy and criminal lawyers who walk clients with poor credit or mounting debt through their options. Services include tax planning and pre-bankruptcy credit counseling. The firm's attorneys catch any errors on credit reports and provide financial counseling to improve credit scores, determine a budget, and decide on the best financial decisions moving forward. The company handles bankruptcy cases if credit is beyond repair, and it helps clients navigate the process so they can free up funds to pay bills and start saving again.

Attorney Information

Attorney NameBar StatusExperience
James Magee - Owner/FounderActive31 yrs

17615 SE 272nd St Ste 110, Covington, WA 98042

Expertise.com Rating

Review Sources

Yelp
4.5 (22)
Facebook
4.6 (16)

Why choose this provider?

Guiding Hands Credit Services is a credit repair company near Tacoma that has been in business since 2007. It helps clients clean up their credit reports and improve their scores. The company offers three monthly payment packages that feature different services, and it provides an online program for convenience. Its credit restoration services include in-depth credit report auditing, consultations, dispute submissions to credit reporting agencies, drafting and delivering of goodwill letters, and credit monitoring. The experts provide debt negotiation coaching and settlement as well as debt validation with creditors. Guiding Hands Credit Services also offers auto purchase, identity theft, life insurance, retirement, and home buying coaching services.

2505 S 320th St Ste 200, Federal Way, WA 98003

Expertise.com Rating

Review Sources

Google
4.5 (11)
Facebook
3.9 (11)

Why choose this provider?

Founded in 1997, Credit Team USA is a credit repair agency near Tacoma. It helps clients attain their credit score goals by building or restoring credit. The company's experts analyze credit reports to identify inaccurate or obsolete negative information, and then work towards upgrading or eliminating the items. They leverage federal and state laws to dispute the derogatory reports. The team uses state-of-the-art software to apprise clients of their status with the three credit reporting agencies. Clients can acquire credit counseling and education services. Credit Team USA has a staff with over 50 years of combined experience in the finance and credit repair service industries.

2367 Tacoma Ave S, Tacoma, WA 98402

Expertise.com Rating

Review Sources

Facebook
5.0 (37)

Why choose this provider?

Platoon 720 is a veteran operated business that has delivered credit repair services in Tacoma since 2018. Its staff facilitates credit score improvement and business credit development. The credit restoration program starts with credit file examinations that determine whether clients qualify for services. The company's professionals identify the negative accounts causing poor credit scores and develop customized repair plans. They help clients to select from the available two programs according to their needs. The repair specialists handle document preparation and dispute submission to the relevant credit bureaus. They offer identity theft protection, credit monitoring, and live coaching and support services. Platoon 720 also disseminates credit education services to individuals and communities.

701 5th Avenue, Seattle, WA 98104

Expertise.com Rating

Review Sources

Google
4.7 (49)
Yelp
4.5 (45)

Why choose this provider?

Credit repair agency Credit CEO assists customers in the Tacoma metro area. The team helps clients with poor ratings achieve maximum credit potential, enabling them to apply for credit cards, car loans, and mortgage loans. The agency accesses client credit reports without triggering an inquiry, helps to remove negative items, and offers counseling for credit maintenance and planning. Credit CEO also provides mortgage loan prequalifications to help customers with successful mortgage applications.

1850 S 72nd St, Omaha, NE 68124

Expertise.com Rating

Why choose this provider?

Credit Advisors is a credit counseling company that serves Tacoma and the nearby areas. It works towards helping clients attain their financial goals by getting them out of debt and repairing their credit. The debt counselors assist with credit card debt relief, bankruptcy certification, debt consolidation, and managing and balancing clients' financial budgets. They help individuals to gain relief from nagging creditors and reduce their payment options and interest rates. The team is adept in credit report evaluations, so it helps clients to assess their credit profiles and provides explanations. Credit Advisors has been helping people with debt management for over 50 years.

Compare our Top Credit Repair Companies

NameExpertise RatingAddressPromotionsLearn more
Credit Saint
Tacoma, WAFree Credit Evaluation
Lexington Law
Tacoma, WAFree Credit Report Consultation
LSI Credit Solutions
Tacoma, WA
Credit Pros
1001 4th Avenue, Seattle, WA 98154
Law Offices of James H. MaGee, Washington Bankruptcy Attorney
1108 N 6th St, Tacoma, WA 98403
Guiding Hands Credit Service
17615 SE 272nd St Ste 110, Covington, WA 98042
Credit Team USA
2505 S 320th St Ste 200, Federal Way, WA 98003
Platoon 720
2367 Tacoma Ave S, Tacoma, WA 98402
CreditCEO
701 5th Avenue, Seattle, WA 98104
Credit Advisors
1850 S 72nd St, Omaha, NE 68124

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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