Best Credit Repair Companies in Dayton


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Aaacredit logo


4449 Easton Way, Columbus, OH 43219
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  • Credit Audit

AAACredit is a credit repair and debt settlement company that serves clients in Dayton and the surrounding areas. It offers to improve and repair credit scores by removing unverified and inaccurate debts. It has helped multiple customers delete bankruptcy claims, medical billings, eviction payments, and derogatory credit cards. The company can also remind clients of incoming or unpaid bills to keep their scores afloat. Previous customers have spoken highly of the company's efficient investigation on all billings, from subscriber inquiries to fake accounts.

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ASAP Credit Repair & Financial Education logo

ASAP Credit Repair & Financial Education

1985 West Henderson Road, Columbus, OH 43220
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  • Credit Monitoring

ASAP Credit Repair & Financial Education is a credit repair company that started its operations in 1998. Serving clients in Dayton, the firm resolves financial problems such as late payment, credit fraud, foreclosure, and bankruptcy. Additionally, the company fixes issues involving charge off, collection, judgment, and public record. The firm also offers credit score improvement services. Its average success rate is 73%, which exceeds the industry standard by three times. Furthermore, ASAP Credit Repair & Financial Education follows the guidelines set by FTC.

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Beyond Credit Repair logo

Beyond Credit Repair

8075 Reading Road, Cincinnati, OH 45237
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  • Credit Dispute

Beyond Credit Repair helps clients in Dayton increase their credit scores to improve their future and save time, money, and frustration. Its services include private assessment, face-to-face personal consulting, and document processing. Trained on recent laws, statutes, and credit reporting practices, Beyond Credit Repair determines the items on customer reports that negatively affect their scores. With its credit and debt counseling services, the company helps clients improve their credit scores and get financial freedom.

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CMAC Credit Experts logo

CMAC Credit Experts

Birch Alley, Centerville, OH 45440
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  • Credit Dispute

CMAC Credit Experts is a company that has been serving Dayton since 2001. It offers credit repair services to help its clients improve their credit ratings by addressing a wide range of factors. A consultation service is also available to evaluate credit reports and scores. The company's president, Christina Hunt, has been working as a credit scoring expert for more than 20 years. She also provides credit coaching for brokers, real estate investors, and financial professionals.

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Platinum Credit NOW logo

Platinum Credit NOW

205 West Franklin Street, Centerville, OH 45459
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  • Debt Consolidation
  • Credit Monitoring

Platinum Credit NOW is a credit repair company serving the Dayton metro and its surrounding communities. It helps its clients resolve credit issues and repair their credit scores through personalized plans that suit their unique needs. Its team of credit counselors and financial specialists provides unlimited credit counseling and support and conducts weekly credit score monitoring. The company also educates its clients on financial planning and credit building and recommends strategies to help them maintain financial stability.

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Frequently Asked Questions

Q: How do you repair credit after identity theft?

A: 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.

Q: Is credit repair legal?

A: 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.

Q: Can a credit repair company remove late payments?

A: 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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