Expertise.com

Best Credit Repair Companies in Cleveland

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Credit Repair Companies FAQs

Learn more
Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

Cleveland, OH
Visit WebsiteWebsite
  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

Cleveland, OH
  • Consumer Credit Services
  • Credit Repair

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.
4.7
Google
4.7 / 5 (276)

Price: Free Credit Report Consultation

Aspiration Financial Services logo
Visit WebsiteWebsite

Aspiration Financial Services

6100 Oak Tree Blvd Suite 200, Cleveland, OH 44131
Visit WebsiteWebsite
  • Credit Monitoring
  • Credit Repair

Business Description

Aspiration Financial Services offers credit repair assistance for residents in Cleveland and nearby locations. Its team conducts credit score analyses and implements strategies accordingly, with a commitment to help improve clients' scores and aid them in becoming financially independent. The professionals work with creditors and credit bureaus to challenge negative items that impact clients' credit scores. In addition to credit repair and restoration, they offer credit score maintenance, credit education and building, and tax preparation services.

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 (20)
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
Credit Repair Resources logo
Visit WebsiteWebsite

Credit Repair Resources

26401 Emery Road, Ste 105, Cleveland, OH 44128
Visit WebsiteWebsite

Business Description

Based in Cleveland, Credit Repair Resources guides clients throughout the process of authentication and verification of judgments, late payments, invalid items, foreclosures, and collections. On behalf of its clients, the credit repair company employs consumer laws to help build and protect their credit. The company offers different credit-building tools for its clients and hosts webinars to teach consumers about credit cards and collections. Its owners, Chad Kusner and Bob Willis, have worked on litigation and mortgage lending in the past.

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
Facebook
5.0 / 5 (29)
Google
4.1 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
CrediVibes logo
Visit WebsiteWebsite

CrediVibes

8584 Washington Street, Chagrin Falls, OH 44023
Visit WebsiteWebsite

Business Description

CrediVibes is a team of credit score specialists that serves individuals and businesses in the Cleveland area. They help clients with credit building and conduct bureau credit analyses. The credit counselors also orchestrate inspections that involve a line-by-line assessment to check for inaccuracies. In addition, the professionals dispute negative items, and they also provide clients with monthly updates on their credit scores. CrediVibes's team has years of experience in the areas of credit repair, banking, and business.

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 (5)
Score Techs Credit Repair logo
Visit WebsiteWebsite

Score Techs Credit Repair

680 East Market Street, Akron, OH 44304
Visit WebsiteWebsite

Business Description

Score Techs Credit Repair is a company serving Cleveland and the surrounding areas. With more than two decades of experience, it has assisted over a hundred clients in obtaining a healthier credit score. The company provides consultation services covering document processing, credit profile assessment, and credit line recommendations. It handles issues such as collections, repossessions, foreclosures, and bankruptcies. The company also restores credit by eliminating medical bills, student loans, credit card debts, late payments, and tax liens.

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 (29)
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
Tay Credit Repair logo
Visit WebsiteWebsite

Tay Credit Repair

2150 West 117th St., Cleveland, OH 44111
Visit WebsiteWebsite

Business Description

From its location in Cleveland, Tay Credit Repair helps individuals who are missing out on opportunities due to low credit scores. Its agents offer consultations and analyze reports to find items that can be challenged. They raise disputes with credit bureaus and coach customers on how to improve their scores. Clients are given different options, such as DIY credit repair and monthly monitoring. The company deals with consumer, mortgage, and business credit and handles the preparation of documents.

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 (38)
Facebook
5.0 / 5 (9)

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
United Credit Repair & Financial Coaching logo
Visit WebsiteWebsite

United Credit Repair & Financial Coaching

2000 Auburn Drive, Beachwood, OH 44122
Visit WebsiteWebsite

Business Description

United Credit Repair & Financial Coaching works with individuals and businesses in Cleveland with its credit repair services. The firm assists its clients with common credit report errors, such as late payments, foreclosures, repossessions, collections, charge-offs, and bankruptcies. Services cover consumer credit repair and business credit building and finance suite. United Credit Repair & Financial Coaching also offers business loans and an affiliate program. It has a team of advising and finance team with proven years of experience in guiding customers with their credit scores.

Back to Providers

Frequently Asked Questions

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.

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.

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.

Read all FAQs