Best Credit Repair Companies in Toledo

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Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

Toledo, OH
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Business Description

Credit Saint provides credit repair services to clients in Toledo and nearby communities. It helps clients understand their credit score and history, and locate any damage that has influenced their credit report. Through an online account page and private dashboard, Credit Saint can update clients with a full analysis and progress report of their credit repair. The company will also equip clients with tips and techniques on how to leave a positive credit history.

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

Toledo, OH

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)
Google
4.7 / 5 (275)

Price: Free Credit Report Consultation

Smart Money Management logo
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Smart Money Management

5577 Airport Hwy Ste 200, Toledo, OH 43615
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Business Description

Founded in 2005, Smart Money Management helps clients in Toledo and surrounding areas rebuild their credit. Services available from this firm include financial management, personnel bookkeeping, and student loan consolidation services. It also helps its clients establish financial plans by using its bookkeeping system, and it assists in debt decisions, including settlements, consolidation, and bankruptcy filings. Additionally, the firm offers clients student loan consolidation programs that may significantly reduce interest rates and monthly payments while keeping clients on track for loan repayment. Smart Money Management also analyzes credit reports and disputes old and incorrect data with an eye toward boosting clients' 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.
5.0
Facebook
5.0 / 5 (5)
Sparkle Credit Solutions, LLC logo
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Sparkle Credit Solutions, LLC

1715 Indian Wood Circle, Maumee, OH 43537
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Business Description

Sparkle Credit Solutions LLC develops a personalized plan to help its clients achieve their financial goals. The company's consultants analyze the individual's credit reports and explains the current credit status. They create a customized dispute letter, which is sent on the client's behalf. The company has successfully and legally removed a wide variety of negative items, including judgments, collections, foreclosures, and bankruptcies. Clients receive instant 24/7 online access to their account and assistance with developing better budgeting habits.

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
3.0 / 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
Velocity Credit Solution logo
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Velocity Credit Solution

1715 Indian Wood Cir Ste 200, Maumee, OH 43537
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Business Description

Velocity Credit Solution is a credit repair company serving Toledo that offers effective financial programs to help people raise their credit scores. Its credit counselors identify any inaccurate information on credit reports that are bringing down a client's credit score. To begin the repair process, the company uses consumer laws to dispute negative items such as late payments, tax liens, charge-offs, bankruptcies, and identity theft with the credit agencies. When the credit reports come back, Velocity Credit Solution makes sure that all unverifiable items were removed or corrected. It also teaches clients how to continue raising their credit scores and stay out of debt.

Witness Riches | The 700 Club logo
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Witness Riches | The 700 Club

3454 Oak Alley Ct Ste 505, Toledo, OH 43606
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Business Description

Witness Riches | The 700 Club is a credit repair company in Toledo that's been operational since 2013. The team helps clients raise their credit scores by petitioning for the removal of negative items from credit reports from all three reporting agencies. It disputes up to 30 negative items each month and handles all correspondence. The company seeks validation for charge offs, collections, judgments, late payments, and bankruptcies. It works on issues surrounding incorrect addresses, foreclosures, tax liens, inquiries, and repossessions. The company offers unlimited real-time customer support via email, phone, text, or social media. Witness Riches also delivers credit education to its 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.
4.8

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
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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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