Expertise.com

Best Credit Repair Companies in Philadelphia

2024

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Providers

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Website
Philadelphia, PA 19019
  • Money Back Guarantee
  • Credit Audit
  • Credit Restoration
  • Credit building
  • Credit Repair

Why choose this provider?

Credit Saint LLC helps Philadelphia residents improve their credit scores by challenging errors and inaccurate information in their credit histories. The credit repair company is headquartered in New Jersey and has been serving clients nationwide for more than 15 years. Its credit restoration experts comb through customers' credit histories to find items that are hurting their scores. They also educate customers on how to build and maintain good 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.
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
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Lexington Law

Philadelphia, PA
  • Consumer Credit Services
  • Credit Repair

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 (2912)
Google
4.8 / 5 (306)

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
1700 Market Street, Suite 1005, Philadelphia, PA 19103
  • Credit Monitoring

Why choose this provider?

Boomin Credit is a Philadelphia-based business serving individuals looking to repair their credit scores. Its team of professionals utilizes its knowledge of the FCRA in identifying errors made by credit bureaus. They challenge false inquiries and negative collection accounts with an aim to improve clients' credit scores. Their credit repair service also involves monthly updates, one-on-one account review sessions, and credit education. Clients also have the option to have their credit scores monitored monthly. Boomin Credit has over a decade of experience.

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 (2)
Facebook
5.0 / 5 (1)
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
1515 Market St Ste 1200, Philadelphia, PA 19102

Why choose this provider?

Allen & Allen Inc. is a professional credit repair company in Philadelphia that helps clients restore their credit to good standing. Its counselors evaluate credit reports and work with the client to identify any inaccurate information. The company prepares and mails all necessary correspondence to the credit bureaus to have the negative items corrected. Using security safeguards, Allen & Allen protects a client's personal information against loss or theft as well as unauthorized access, disclosure, or modification.

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
150 Monument Road, Suite 207 Office 208, Bala Cynwyd, PA 19004

Why choose this provider?

Nicole Fisher provides credit repair services to clients in Philadelphia and the neighboring areas. She assists individuals wishing to improve or maintain their credit scores in order to apply for loan programs, including mortgage, auto, and credit cards. She handles credit repair solutions involving monthly updates, audits, and monitoring to help clients keep track of their credit updates. In addition to credit repair, Nicole offers executive coaching services. She also serves as a property manager for a real estate firm.

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 (6)

Website
5338 Willows Avenue, Philadelphia, PA 19143
  • Credit Dispute

Why choose this provider?

DNS Credit Counseling serves clients in Philadelphia and the surrounding areas. The company helps customers restore their financial status by educating them on practices to rebuild credit, improve credit scores, deal with debt collectors, and manage debt settlement if needed. A team of credit experts assists clients by identifying the credit score issue, raising disputes with the relevant bureaus, analyzing updated reports, and regular client education. The company also handles correction and removal of items that affect credit scores including tax liens, identity theft, and repossessions.

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 (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
601 Walnut St., Suite 160 West, Philadelphia, PA 19106

Why choose this provider?

The Law Offices of David M. Offen is a credit repair company in Philadelphia. Since 1990, the company has offered credit repair, foreclosure prevention, and bankruptcy services. Its credit specialists evaluate individual credit reports, debt statements, and financial situations to develop the best plan to repair finances and get set up for the future. They look at unsecured debt such as credit card bills and lines of credit, checking for inaccurate information throughout the credit counseling process.

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
5.0 / 5 (321)
Facebook
4.0 / 5 (66)
Yelp
4.5 / 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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
325 Chestnut Street Suite 876 #131, Philadelphia, PA 19106
  • Credit Dispute

Why choose this provider?

Founded in 2013, ASAP Credit Repair is a family-owned company that serves the area of Philadelphia. It helps its clients see significant improvements to their credit scores in 30 to 60 days. It obtains credit reports in order to address and challenge the items that negatively affect its customers' credit scores. During the process, it also provides a range of resources to its clients to educate them on how to build and maintain their 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.
4.6
Facebook
4.6 / 5 (394)
Google
5.0 / 5 (5)

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
3531 Germantown Ave, Philadelphia, PA 19140
  • Credit Monitoring
  • Credit Dispute

Why choose this provider?

The Credit Gal is a local credit repair and restoration firm that serves individuals in Philadelphia and the surrounding areas. Its credit counselors provide assistance to clients who are suffering from negative and derogatory credit scores. They do this by removing inaccurate accounts such as charge-offs, late payments, tax liens, and outdated information from their credit reports and disputing with credit bureaus if necessary. Its counselors also provide clients with educational information and resources to further aid in their credit recovery process.

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
4.9 / 5 (131)

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
2929 Arch St, Philadelphia, PA 19104
  • Credit Monitoring

Why choose this provider?

RJC Management provides credit repair services to clients residing in Philadelphia. Its specialists assist clients who want to raise their credit scores by thoroughly reviewing credit reports and negotiating disputes regarding items that can hurt their clients’ credit scores. They also develop a detailed action plan that can help their clients make better financial decisions in the future. RJC Management places importance on credit education and makes sure that its clients have the proper resources throughout any credit repair process.

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.
2.5
Responsiveness
Friendliness
Helpfulness
––
Detail
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Website
270 Geiger Road, Philadelphia, PA 19115

Why choose this provider?

Best Credit Repair Philadelphia seeks to resolve credit score issues. Its credit repair specialists walk clients through credit report items, discussing credit rating determinants such as credit utilization, payment history, credit inquiries, credit types, and credit age, which measures the duration of having active credit accounts. After identifying credit report errors, they file complaints to dispute records with credit bureaus like Experian. Moreover, they assist clients in maintaining credit health.

Website
832 2nd Street Pike, Richboro, PA 18954

Why choose this provider?

Founded in 1994, community-based Credit Counseling Center is a nonprofit company that helps people in Philadelphia gain financial freedom. During appointments with clients, its counselors provide an overview of their credit reports and offer ideas on how to improve their credit scores. The professionals also look for inaccuracies in credit reports and discuss how the client can fix them. Additionally, Credit Counseling Center assists clients with ways to consolidate and pay down their debt.

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.
3.8
Facebook
5.0 / 5 (3)
Yelp
2.5 / 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

Website
67 Buck Rd Ste B44, Huntingdon Valley, PA 19006

Why choose this provider?

Clean Credit Group is a credit restoration company that assists clients in the Philadelphia area with credit score issues. Its experienced consultants thoroughly review credit reports to identify any errors and inaccuracies and then send a list to the client for approval. The credit specialists draft custom dispute letters and send them to the major credit bureaus to have negative items removed. Clean Credit Group can help clients obtain lower monthly payments on items validated by their creditors.

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

Website
Philadelphia, PA
  • Credit Dispute

Why choose this provider?

Crazy Genius is a credit repair agency that serves clients in the Philadelphia area. Its team helps people with removing errors in their credit reports so that their scores improve. They assist with filing disputes with the major credit bureaus for late payments, charge-offs, and bankruptcy declarations. In addition, the company helps clients develop a personalized action plan, which includes education on how to use and manage credit, along with finding strategies to clear or reorganize existing debts.

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
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

Website
7501 Castor Ave, Philadelphia, PA 19152

Why choose this provider?

Quality Credit Repair is a debt counseling and credit repair company in Philadelphia that helps individuals make better financial decisions. Its experts examine credit reports with clients to identify any errors affecting their credit scores. When inaccuracies are found, the company sends all necessary documentation to the credit agencies to have the mistakes corrected or deleted. Quality Credit Repair also offers regular seminars to help clients learn how to maintain a reputable credit score.

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.
4.6
Facebook
4.6 / 5 (12)

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
1700 Market Street, Philadelphia, PA 19103

Why choose this provider?

Based in Philadelphia, i2i Credit Repair Company provides credit repair services that can help individuals improve their credit report. Its credit analysts look for discrepancies in the client's credit report and work to dispute these negative factors. They educate clients on how to recover from bad credit reports and help them learn how to manage their financial goals. Other services include building a client's credit report to increase their approval rate.

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 (29)

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
7402 Front Street, Cheltenham, PA 19012

Why choose this provider?

Credit Medics is a national credit and business consulting firm that is based in Philadelphia. The firm has financial planners and credit repair specialists who offer financial literacy, business funding, credit repair, and tax services. It is also available to resolve various issues such as debt settlements, student loans, collection accounts, negative payments, and identity theft. Credit Medics assists first-time homebuyers by setting up a program called "The Credit Medics VIP Homeowner Mentorship."

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.
4.4
Google
4.4 / 5 (84)

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

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.

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