Best Credit Repair Companies in Louisville

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Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

Louisville, KY
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Business Description

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (5317)
Yelp
2.5 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Price: Free credit evaluation

Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Louisville, KY

Business Description

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
4.3 / 5 (2869)

Price: Free Credit Report Consultation

A+ Credit logo
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A+ Credit

9100 Ash Ave, Pewee Valley, KY 40056
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Business Description

Founded in 2006, family-owned and locally operated A+ Credit is a credit repair company that helps clients in Louisville improve their credit scores. The firm handles data breaches, identity theft and fraud issues, misreporting by creditors and credit bureaus, and mixed credit files due to others having similar names. It also addresses late payments, tax liens, judgments, medical bills covered and paid by insurance, and items included in bankruptcies that still show balances. Additionally, A+ Credit assists clients when creditors and credit bureaus fail to properly investigate a dispute. Through the repair of past credit problems, the firm helps clients rebuild and maintain good credit scores.

Amazin Tax & Financial logo
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Amazin Tax & Financial

609 Main St Suite 302, Louisville, KY 40202
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  • Credit Dispute

Business Description

Amazin Tax & Financial provides tax preparation, credit repair, and business consulting services to Louisville clients. The agency files disputes on derogatory items listed on Experian, Equifax, and Transunion credit reports. Nesha Webster, the company owner, educates clients on ways to rebuild their credit scores. Amazin Tax & Financial is a member of the Credit Consultants Association and has over five years of experience. Webster created the company to help members of low-income communities improve their financial literacy.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)
Apprisen logo
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Apprisen

11492 Bluegrass Parkway, Louisville, KY 40299
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Business Description

Apprisen is a non-profit organization founded in 1955 that provides financial education, debt management, and counseling in Louisville. It offers individual and joint credit health education sessions with the organization's financial service specialist. It provides information in determining disputable items on the credit report as well as the process of disputing these errors. The financial specialists review the credit report and help clients understand the credit scoring model. Apprisen also provides customized financial plans and help clients set credit goals.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (10)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Armor Credit Solutions logo
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Armor Credit Solutions

4965 US Highway 42 Ste 1000, Louisville, KY 40222
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Business Description

Armor Credit Solutions has been repairing and restoring consumer credit in Louisville since 2006. The firm fixes personal information, helps remove old or inaccurate accounts, and improves credit scores by using its vast experience with federal consumer protection laws, credit bureaus, creditors, and credit scoring. Its employees analyze credit reports, discuss financial goals, then create plans for a personalized credit restoration process that involves developing dispute letters to the credit bureaus. It handles repossessions, public records, inquiries, charge-offs, and late payments. Armor Credit Solutions provides credit education, including changes in credit laws, markets, and scoring to clients, finance specialists, real estate professionals, and loan officers.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Complete Credit Repair Services logo
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Complete Credit Repair Services

4030 Mount Carmel Tobasco Road, Cincinnati, OH 45255
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Business Description

Complete Credit Repair Services is a credit counseling and credit repair company in Louisville. The company gathers pertinent information and evaluates the client's current credit standing. It utilizes various tools and software to remove negative information from the credit report. The company's credit repair plans cover credit analysis, dispute analysis, secure payment processing, private portal access, and credit education session. It also provides financial improvement simulation, assistance in raising disputes to credit bureaus, and email and text updates.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (42)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Credit1Solutions.com logo
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Credit1Solutions.com

5284 North Dixie Highway, Elizabethtown, KY 42701
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Business Description

Credit1Solutions.com is a credit repair company that provides services to those around Louisville. The business was opened in 2006 and has been correcting credit reports ever since. It removes negative records such as bankruptcies, security clearance issues, collections, and late payments. The company has three credit repair service levels, which include fast-track service, comprehensive service, and fresh-start service. These service levels will help remove or modify the items that are inaccurate, obsolete, and unverifiable in one's credit report.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (45)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Diversified Insurance Partners Inc. logo
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Diversified Insurance Partners Inc.

5814 Preston Hwy, Louisville, KY 40219
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Business Description

Diversified Insurance Partners Inc. is a local business that helps improve credit scores for individuals based in the Louisville area. It offers a variety of services, such as credit repair and monitoring, identity protection, financial budget management, and secured credit card application. The company's insurance agents provide products that protect valuable assets, such as homes and automobiles. They also have business insurance products to safeguard against financial losses due to natural catastrophes, lawsuits, accidents, and other unforeseen circumstances.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
King Financial Repair logo
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King Financial Repair

9850 Von Allmen Ct Suite 201,, Louisville, KY 40241
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Business Description

Founded in 2013, King Financial Repair provides credit repair services in Louisville for individuals and businesses. The company performs detailed credit audits to spot questionable items listed on credit reports that harm FICO scores, then create personalized plans for each client. Its credit professionals send dispute letters to the three major credit bureaus and utilize current FCRA and FDCPA laws to protect clients from harassment and abusive practices by creditors and debt collection agencies. The company offers student loan consolidation, a credit score improvement program, and business credit builder services. Additionally, King Financial Repair is accredited by the National Association of Credit Services Organizations (NACSO).

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.6 / 5 (192)
Facebook
4.5 / 5 (44)
Yelp
2.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
USA Credit Repair logo
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USA Credit Repair

101 S 5th St Ste 1640, Louisville, KY 40202
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Business Description

USA Credit Repair is a credit repair company based in Louisville that works with clients across the metro area. It aims to help them improve their financial positions and emphasizes achieving freedom from bad credit and debt. Its experienced advisers thoroughly analyze clients' credit reports and identify items they can dispute due to their age, unverified nature, or mistakes. The firm then helps clients dispute these mistakes with creditors to improve their credit scores. USA Credit Repair also assists with education that teaches clients how to improve and maintain good credit scores, and it offers a free consultation and credit analysis for new clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Uturn Credit Advisors logo
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Uturn Credit Advisors

P.O. Box 1368, Shelbyville, KY 40066
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  • Credit Monitoring
  • Credit Dispute

Business Description

Uturn Credit Advisors is a firm that serves clients in Louisville. It helps clients by re-building credit and payment history and removing obsolete information like bankruptcies on a report. Its credit specialists challenge and dispute unverifiable and inaccurate items on behalf of clients. They deal with negative reports like judgments, liens, collections, and repossessions to increase a client's score. In addition to credit restoration, the company provides client education to help them navigate their way to their financial goals.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
5.0 / 5 (11)
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Frequently Asked Questions

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.

How do you repair credit after identity theft?

Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.

  • Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.
  • Report the issue to the Federal Trade Commission.
  • Make a report to the local police to get an official report document.
  • Request a credit freeze so the fraudsters can't get credit in the person's name in the future.
  • Check credit reports and look for inaccurate information related to the fraud.
  • Work with a credit repair company to dispute that information.

Is credit repair legal?

Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

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