Expertise.com

Best Credit Repair Companies in Columbus

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

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

Business Description

Credit Saint is a credit repair company that supports residents in and around Columbus. The company creates credit reports that reflect the spending behaviors of customers as consumers through credit analysis and credit history reviews. It handles forms of credit damage to the client by disputing any negative reports, such as unverifiable items, misleading entries, and inaccurate data. Credit Saint has been in the credit repair industry for more than 15 years.

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

Columbus, 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.
4.3
Facebook
4.9 / 5 (2869)
Google
4.7 / 5 (275)

Price: Free Credit Report Consultation

750 Goals Consulting logo
Visit WebsiteWebsite

750 Goals Consulting

4200 Regent St, Columbus, OH 43219
Visit WebsiteWebsite
  • Credit Monitoring
  • Credit Audit

Business Description

750 Goals Consulting is a credit management company that caters to clients in the Columbus metro. It offers various credit repair solutions, including credit analysis and monitoring. It works to identify and remove inaccurate and outdated information from its clients' credit reports. The firm also educates clients on how to build good credit through posts on social media. 750 Goals Consulting has been operating since 2000. It is a member of the Credit Consultants Association.

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 (14)

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
AAACredit logo
Visit WebsiteWebsite

AAACredit

947 E Johnstown Rd, Gahanna, OH 43230
Visit WebsiteWebsite

Business Description

AAACredit is a credit repair and counseling service provider that evaluates clients' credit reports in Columbus and nearby areas. The company offers personalized budget plans, credit education, and advice to help clients achieve financial freedom. It focuses on rebuilding positive credit accounts for individuals and works with credit reference bureaus to remove faulty negative items on their credit reports. The credit counselors guide clients through the credit restoration process from start to finish, including bankruptcies, collections, charge-offs, repossessions, medical bills, and utilities. They also help individuals devise plans to handle credit card debt, credit inquiries, judgments, tax liens, and student loans. AAACredit educates clients on strategies to increase credit scores.

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
––
Anew Start Solutions logo
Visit WebsiteWebsite

Anew Start Solutions

6124 Seeds St., Grove City, OH 43123
Visit WebsiteWebsite
  • Credit Dispute

Business Description

Anew Start Solutions offers credit repair services to clients in the Columbus metro and surrounding areas. It helps clients improve credit and credit scores from major credit bureaus, such as Trans Union, Experian, and Equifax. It assists clients in correcting or deleting inaccurate or bad credit, late payments, outdated accounts and information, and public records. Anew Start Solutions also educates clients on the importance of establishing creditworthiness and helps them understand credit reporting and collection laws.

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 (34)

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
Apprisen logo
Visit WebsiteWebsite

Apprisen

690 Taylor Rd Ste 150, Gahanna, OH 43230
Visit WebsiteWebsite

Business Description

Apprisen is a nonprofit credit counseling agency founded in 1955 to help residents in the greater Columbus area rebuild their credit. The firm pulls and reviews clients' credit reports, assists them with understanding the credit scoring model, and disputes errors on their credit reports. It promotes the financial health of customers through programs such as debt management, in which the firm negotiates with creditors to lower interest rates, stop late or over-limit fees, and update clients' accounts. The professionals provide credit counseling, community outreach, and financial education that includes cash-flow budgeting, savings, and planning. Apprisen is a member of the National Foundation for Credit Counseling.

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)
Yelp
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
ASAP Credit Repair Columbus logo
Visit WebsiteWebsite

ASAP Credit Repair Columbus

1985 West Henderson Road, Columbus, OH 43220
Visit WebsiteWebsite

Business Description

ASAP Credit Repair Columbus works on negative credit marks and helps clients within Columbus establish a good credit reputation. The company reviews credit reports to identify errors and then engages with credit bureaus, advocating for corrections. It removes inaccurate negative information, including bankruptcy, credit fraud, late payments, and inquiry charges from credit reports. ASAP Credit Repair Columbus offers legal advice to clients on credit report issues. Other services include foreclosures, public records, and judgments.

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.
4.9
Google
5.0 / 5 (3)
Facebook
5.0 / 5 (3)
Credit Glory logo
Visit WebsiteWebsite

Credit Glory

355 E Campus View Blvd, Columbus, OH 43235
Visit WebsiteWebsite

Business Description

Credit Glory is a full-service credit repair agency in Columbus. When faulty information damages credit scores, Credit Glory works to eradicate inaccuracies, such as bankruptcies, late payments, and balances, that negatively impact clients' credit. The company thoroughly investigates credit reports and, when necessary, files the legal paperwork to go after creditors and credit bureaus to remedy errors and help clients reclaim good credit and spending power. Credit Glory works with clients to evaluate their financial goals and create plans that achieve them while improving credit for future purchases, such as new homes and cars. Additionally, the company offers a full 90-day refund if clients are not satisfied.

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 (1410)

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 Remedy, LLC logo
Visit WebsiteWebsite

Credit Remedy, LLC

20 S 3rd St Ste 210, Columbus, OH 43215
Visit WebsiteWebsite

Business Description

Credit Remedy LLC is a credit repair company in Columbus that delivers solutions for a bad credit history. The professional team works to fix negative items on credit reports by conducting a dispute analysis and sending challenge letters to credit bureaus. The company is experienced in handling judgments, repossessions, foreclosures, late payments, and charge-offs. It provides a monthly payment plan and has an online client portal for progress monitoring. The credit repair process can take about 60 days to yield results. Other services include credit counseling and consultation aimed at maintaining good credit scores. Credit Remedy LLC also helps people with no credit by providing credit-boosting 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

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 Columbus logo
Visit WebsiteWebsite

Credit Repair Columbus

Columbus, OH
Visit WebsiteWebsite

Business Description

Credit Repair Columbus is a credit repair company in Columbus that serves clients affected by negative credit scores who are seeking assistance with repair services. In each case, it retrieves credit scores from all three major bureaus and provides information about the implications of their contents to clients. Clients also receive assistance in negotiations with creditors in order to have negative items removed from official reporting. Credit Repair Columbus reaches out to its clients' current creditors to avoid more negative items being reported wherever possible. Following the removal process, it gives information and resources to clients in order to show them how to build up a positive credit rating.

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

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
Dean's Credit Revamp logo
Visit WebsiteWebsite

Dean's Credit Revamp

4449 Easton way Ste 200, Columbus, OH 43219
Visit WebsiteWebsite
  • Credit Dispute

Business Description

Dean's Credit Revamp helps individuals from Columbus improve their credit scores. The company reviews its customers' credit analysis reports and identifies inaccurate, erroneous, false, or obsolete information. Its team also prepares necessary documentation for disputes against the credit reporting agencies. Dean's Credit Revamp also has a customer portal where its clients can see results in real-time. The firm's owner, Demetra Dean, has a passion for helping people build their credits because she suffered the negative effects of having a bad credit score herself. They also offer additional services that includes building business credit, credit monitoring, student loan forgiveness, and budgeting.

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 (10)
Frazier Consulting Services logo
Visit WebsiteWebsite

Frazier Consulting Services

875 N High St Suite 300, Columbus, OH 43215
Visit WebsiteWebsite
  • Credit Monitoring

Business Description

Frazier Consulting Services is a credit counseling firm based in Columbus that aims to help individuals achieve their financial goals through its credit improvement solutions. Its team performs a credit analysis to identify factors that are negatively affecting the clients' scores, then creates a plan to put them back in good credit standing. They also correspond with third parties to remove the discrepancies from their reports, such as bankruptcy, student loans, evictions, repossessions, and medical collections.

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
4.9 / 5 (33)

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
Meridian Credit Solutions, LLC logo
Visit WebsiteWebsite

Meridian Credit Solutions, LLC

4200 Regent Street, Columbus, OH 43219
Visit WebsiteWebsite
  • Credit Monitoring

Business Description

Meridian Credit Solutions, LLC, is a Columbus-based business that offers a number of services such as credit repair. The process involves a credit analysis, which covers credit reports from TransUnion, Equifax, and Experian. Its team gathers unverifiable, inaccurate, and misleading information and sends out dispute letters to credit bureaus to address them. In addition to credit repair, Meridian Credit Solutions offers a monthly service that provides budget recommendations, debt consolidation options, and continuing credit education.

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 (1)
New Credit RX LLC logo
Visit WebsiteWebsite

New Credit RX LLC

470 West Broad Street, Columbus, OH 43215
Visit WebsiteWebsite

Business Description

New Credit RX LLC is a credit repair company located in Columbus. It works with credit bureaus as well as creditors to challenge negative report items affecting clients' current credit scores. Signing up with the company provides customers with an online portal that they can access 24/7 to get live updates on their credit reports. New Credit RX LLC also partners with providers and professionals to help improve customers' credit scores for transactions.

People First Credit Restoration logo
Visit WebsiteWebsite

People First Credit Restoration

341 S. Third St. Ste. 100-394, Columbus, OH 43215
Visit WebsiteWebsite
  • Credit Audit
  • Credit Dispute

Business Description

People First Credit Restoration offers credit repair services to clients in Columbus and the surrounding areas. It helps clients in dealing with debt collectors, debt settlement, rebuilding credit, and raising their credit score. It covers collection accounts, identity thefts, medical bills, bankruptcies, and foreclosures. It looks into inaccurate information on credit reports and collaborates with creditors and credit bureaus to fix and rebuild credit scores. The company has been serving clients since 2009 and has a certified repair specialist and a board-certified credit consultant.

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

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
Towns Lending logo
Visit WebsiteWebsite

Towns Lending

700 Bryden Rd #233, Columbus, OH 43215
Visit WebsiteWebsite
  • Credit Monitoring

Business Description

Towns Lending offers credit repair services to individuals and businesses in Columbus and surrounding areas. It covers unsecured cash advances, lines of credit and term loans, and invoice factoring or financing. It creates a funding strategy in accordance with the clients' needs, collaborates with multiple lenders to have a comparison for the pricing, and walks the clients through the entire funding process. This company has been featured in various television networks, such as Fox, NBC, and CBS.

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 (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
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