Expertise.com

2024

Last updated:

Best Credit Repair Companies in Bethlehem

Our Recommended Top 12

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 Bethlehem 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.

64Reviewed

43Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Bethlehem, PA

Expertise.com Rating

Why choose this provider?

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

  • Credit building
  • Money Back Guarantee
  • Credit Restoration
  • Credit Audit
  • Credit Repair
Lexington Law logo

Lexington LawExpertise.com

Bethlehem, PA
Free Credit Report Consultation

Expertise.com Rating

Review Sources

Facebook
4.3 (2911)

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.

  • Credit Repair
  • Consumer Credit Services

P.O. Box 8574, Allentown, PA 18105

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Review Sources

Facebook
5.0 (10)
Google
5.0 (7)

Why choose this provider?

Clark's Pro Credit Repair is an Allentown-based business that caters to clients in the Bethlehem metro and the surrounding communities. Led by CEO D'Wana J Clark, it offers credit repair services, including requesting reports from Equifax, TransUnion, and Experian. Its team of specialists also assists in challenging negative credit report items and educates clients on how to maintain a good credit score. The company has partnered with smartcredit to provide various tools, such as ScoreTracker, ScoreBuilder, and ScoreBoost.

  • Credit Monitoring

623 N. Pottstown Pike Suite B,, Exton, PA 19341

Expertise.com Rating

Review Sources

Facebook
4.9 (163)

Why choose this provider?

Coulter Credit caters to individuals across Bethlehem and the surrounding areas. This company provides credit repair solutions for clients planning to purchase a new car, buy or refinance their homes, get approved for credit cards, qualify for better jobs, and lower their interest rates. It reviews clients' credit reports, disputes inaccurate and unverifiable items, and helps then build new and positive credit. The company also assists clients in getting approved for new credit and provides business credit services.

  • Credit Monitoring

Lehigh Valley, PA 18001
Website

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Why choose this provider?

The Credit Repair Pros is a local company that serves clients in Bethlehem and nearby areas. It offers credit repair solutions to customers looking to improve scores to get loans, set up businesses, buy houses, and finance purchases. It sends letters to debt collectors and helps correct inaccuracies in credit reports by disputing bankruptcy, tax liens, and charge-offs. The Credit Repair Pros educates clients about improving credit by tracking purchases and recognizing and correcting financial mistakes.

  • Credit Dispute

1275 Glenlivet Drive Suite 100, Allentown, PA 18106

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Why choose this provider?

Lynn Credit Solutions serves people in and around Bethlehem. It assists individuals who are wanting to enhance or repair their credit scores. Its team checks and verifies information on clients' credit reports obtained from creditors, collector agencies, and credit bureaus, and it sends personalized dispute letters to each bureau to challenge suspicious items on the report. In addition, the organization performs credit audits. It also serves small business owners and entrepreneurs, assisting them in building credit and obtaining capital.

  • Credit Audit

Emmaus, PA 18049

Expertise.com Rating

Review Sources

Facebook
4.9 (42)
Google
5.0 (8)

Why choose this provider?

JA Credit Consulting LLC offers credit repair services to Bethlehem individuals. Its three-step process includes repairing, rebuilding, and restoring clients' credit scores. It evaluates credit reports before offering solutions, which include the removal of collections, charge-offs, closed accounts, medical bills, and student loans. It also eliminates invalid, non-verifiable, and derogatory accounts. The company also serves clients with good credit standing who would like to improve their scores. In addition, it can work on inquiry removal and personal information removal.

  • Credit Monitoring
  • Credit Audit

3500 Winchester Rd Suite 203, Allentown, PA 18104

Expertise.com Rating

Review Sources

Google
5.0 (74)
Facebook
5.0 (8)

Why choose this provider?

Trifecta Credit Solutions caters to clients in Bethlehem. The company offers personal credit repair services that can help individuals gain financial freedom and boost their credit scores. Its credit repair specialists perform an in-depth analysis of its client's credit history and dispute any inaccurate or negative information found in the credit report. The team also delivers dispute letters to credit bureaus on behalf of its clients. Other services provided by the group include credit counseling and monitoring for business clients.

  • Debt Consolidation

1700 Market Street, 1700 Market St, Philadelphia, PA 19103

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

A1 Credit Repair caters to the needs of residents and small businesses in the Bethlehem area and the surrounding neighborhoods. The company provides clients with various credit repair services, including personal and virtual consultations, credit building solutions, and credit analysis. Its services include assisting customers in removing negative items from their credit reports, negative accounts and collections, derogatory marks, and charge-offs. A1 Credit Repair has been helping customers with their credit repair needs since 2019.

  • Debt Consolidation
  • Credit Monitoring

Allentown, PA

Expertise.com Rating

Review Sources

Facebook
5.0 (13)

Why choose this provider?

My Credit Team caters to clients in Bethlehem and the surrounding communities. The company provides credit repair solutions for individuals looking to improve their credit score or rebuild their credit. Its credit restoration specialists perform an in-depth review of its client's credit report to spot any negative or inaccurate information such as late payments, foreclosures, bankruptcies, and repossessions. The team also challenges unwarranted remarks with major credit bureaus. The company has handled over 100 credit repair cases over the years.

  • Credit Monitoring

3477 Corporate Pkwy, Center Valley, PA 18034

Why choose this provider?

Hands On Limited offers credit repair solutions to individuals in Bethlehem and its neighboring communities. The company educates clients on the factors that affect their credit scores, which include their payment history, number of credit inquiries, level of debt, and types of credit. Its specialists assess the consumer's report, identifying and removing negative items. These items include late payments, student loans, medical bills, collections, foreclosures, and bankruptcies. They also provide credit recommendations, educating consumers on maintaining healthy credit.

  • Credit Audit

1907 Cricklewood Cove, Fogelsville, PA 18051

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Educate & Restore Credit has been serving individuals in the Bethlehem community for over 25 years. The company offers credit repair services, working with clients looking to obtain healthy FICO scores by challenging inaccurate and unverifiable information on their reports. It works with various credit reporting agencies, such as TransUnion, Equifax, and Experian. Its specialists aim to educate clients on their options and navigate them through the process, from start to finish. They also provide credit reports and debt negotiation.

  • Credit Monitoring

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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