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2024

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Best Credit Repair Companies in Columbus

Our Recommended Top 15

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 Columbus 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.

542Reviewed

331Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

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

Why choose this provider?

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 (10602)
Yelp
2.2 / 5 (30)

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 logoFEATUREDExpertise.com

Lexington Law

Website
Columbus, OH
  • Credit Repair
  • Consumer Credit Services

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.

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 (2911)

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 Report Consultation

Website
4200 Regent St, Columbus, OH 43219
  • Credit Monitoring
  • Credit Audit

Why choose this provider?

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

Website
947 E Johnstown Rd, Gahanna, OH 43230

Why choose this provider?

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.

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.
3.0
Google
4.8 / 5 (36)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
20 S 3rd St Ste 210, Columbus, OH 43215

Why choose this provider?

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
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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
355 E Campus View Blvd, Columbus, OH 43235

Why choose this provider?

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

Website
Columbus, OH

Why choose this provider?

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

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

Why choose this provider?

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

Website
4200 Regent Street, Columbus, OH 43219
  • Credit Monitoring

Why choose this provider?

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)

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

Why choose this provider?

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 (7)

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

Website
1985 West Henderson Road, Columbus, OH 43220

Why choose this provider?

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.
5.0
Google
5.0 / 5 (3)
Facebook
5.0 / 5 (3)

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

Why choose this provider?

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.
4.9
Google
5.0 / 5 (43)
Facebook
5.0 / 5 (27)
Yelp
1.0 / 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

Website
690 Taylor Rd Ste 150, Gahanna, OH 43230

Why choose this provider?

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

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

Why choose this provider?

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

Website
470 West Broad Street, Columbus, OH 43215

Why choose this provider?

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.

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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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