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Best Credit Repair Companies in Boise

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 Boise 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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featured provider = Featured Provider

Boise, ID Rating

Review Sources

4.8 (10602)
2.2 (30)

Why choose this provider?

As a credit restoration specialist for more than 15 years, Credit Saint assists clients in the Boise area to improve and understand their credit. It reviews credit reports from the three major credit bureaus and develops a custom repair strategy for the clients' situation. It works to remove negative items from the credit report by challenging the recorded transactions' accuracy, timeliness, and bias. It performs score analysis, creditor interventions, score tracker, inquiry targeting, and Experian monitoring.

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


Boise, ID
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

1123 12th Ave S, Nampa, ID 83651 Rating

Review Sources

4.9 (35)

Why choose this provider?

Credit Problem Repair offers services to help individuals dispute negative items on credit reports, fix low credit scores, and keep good credit. Credit professionals assist clients in refuting inaccurate or outdated items on their credit reports, with the goal of removing this information. Items that Credit Problem Repair can help eliminate include late payments and identity theft issues. The staff is trained in the laws protecting people against credit collectors and bureaus, and they provide personalized plans to help clients achieve their financial goals. Credit Problem Repair also educates clients on best practices to earn, build, and maintain credit in the future.

12601 W Explorer Dr Ste 200, Boise, ID 83713 Rating

Review Sources

4.3 (176)
5.0 (1)

Why choose this provider?

Americor offers credit repair services in Boise. The company's trained agents work with customers to establish a budget and payment plan, improve savings, and make payments through the agency, which are then disbursed to the appropriate creditors. The company works directly with creditors to adjust interest rates and establish a secure payment plan to help customers pay the outstanding amount on their credit cards. Additionally, the counselors advise clients on other expenses and income flow, helping them establish a budget for housing, transportation, and other bills. Americor also offers customers other debt relief solutions, including debt settlement, consolidation loans, and bankruptcy.

6213 N Cloverdale Rd Ste 100, Boise, ID 83713 Rating

Review Sources

4.9 (539)
4.5 (30)
3.5 (12)

Why choose this provider?

Debt Reduction Services serves as a credit repair company in Boise that helps clients take control of their financial lives. Its professionals handle debt consolidation and may assist clients in reducing monthly payments by half. The firm can aid in reducing interest rates, stopping late charges and over-limit fees, and providing relief for student loan debt. Pre-bankruptcy credit counseling may help clients avoid the courts, while post-bankruptcy debtor education ensures they understand their rights and responsibilities after filing. In addition to stopping collection calls and helping clients set realistic budgets, Debt Reduction Services also analyzes credit reports and disputes erroneous charges with the three major credit bureaus and creditors.


  • 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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