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Best Credit Repair Companies in Philadelphia

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Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

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

Business Description

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
FEATURED
Free Credit Report Consultation

Lexington Law

Philadelphia, PA
  • Credit Repair
  • Consumer Credit Services

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 (2896)
Google
4.8 / 5 (297)

Price: Free Credit Report Consultation

.i2i Credit Repair Company logo
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.i2i Credit Repair Company

1700 Market Street, Philadelphia, PA 19103
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Business Description

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
Allen & Allen, Inc. logo
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Allen & Allen, Inc.

1515 Market St Ste 1200, Philadelphia, PA 19102
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Business Description

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
ASAP Credit Repair logo
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ASAP Credit Repair

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

Business Description

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.
4.7
Facebook
4.6 / 5 (259)
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
Bee's Credit Solutions logo
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Bee's Credit Solutions

443 W. Girard Ave. Suite #3 B, Philadelpia, PA 19123
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  • Credit Monitoring

Business Description

Bee's Credit Solutions is a credit repair firm that serves Philadelphia and nearby areas. Its team provides lessons on the fundamentals and importance of credit value to help individuals get back on financial track. The company helps its clients in changing their financial habits and reestablishing their scores. In addition, the business works with creditors and credit bureaus in fixing and rebuilding tarnished credits. Bee's Credit Solutions was founded in 2015 by Brittney Taliferro, who wanted to help people regain financial health.

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 (26)
Facebook
5.0 / 5 (12)
Best Credit Repair Philadelphia PA - 700 Credit Repair Philadelphia - Credit Repair Services Pennsylvania logo
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Best Credit Repair Philadelphia PA - 700 Credit Repair Philadelphia - Credit Repair Services Pennsylvania

270 Geiger Road, Philadelphia, PA 19115
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Business Description

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.

Boomin Credit logo
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Boomin Credit

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

Business Description

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 (1)
Facebook
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
Clean Credit Group logo
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Clean Credit Group

67 Buck Rd Ste B44, Huntingdon Valley, PA 19006
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Business Description

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
Crazy Genius logo
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Crazy Genius

Philadelphia, PA
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  • Credit Dispute

Business Description

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.
4.5
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
Credit Counseling Center logo
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Credit Counseling Center

832 2nd Street Pike, Richboro, PA 18954
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Business Description

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
Credit Medics logo
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Credit Medics

7402 Front Street, Cheltenham, PA 19012
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Business Description

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
DNS Credit Counseling logo
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DNS Credit Counseling

5338 Willows Avenue, Philadelphia, PA 19143
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  • Credit Dispute

Business Description

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
Global Financial & Credit Solutions logo
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Global Financial & Credit Solutions

1735 Market St Ste 3750, Philadelphia, PA 19103
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Business Description

Global Financial & Credit Solutions is a credit repair company that helps customers assert their legal rights when restoring bad credit. An experienced case advisor reviews credit profiles to discover what inaccuracies are affecting a client's credit history. After sending out dispute letters, the repair company works with various credit agencies to have any negative report items removed. Global Financial & Credit Solutions teaches clients how to maximize their credit score and maintain it.

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 (9)
Nicole Fisher logo
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Nicole Fisher

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

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)
Quality Credit Repair logo
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Quality Credit Repair

7501 Castor Ave, Philadelphia, PA 19152
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Business Description

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.
4.8
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
RJC Management logo
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RJC Management

2929 Arch St, Philadelphia, PA 19104
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  • Credit Monitoring

Business Description

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.
4.0
Responsiveness
Friendliness
Helpfulness
––
Detail
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The Credit Gal logo
Visit WebsiteWebsite

The Credit Gal

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

Business Description

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
The Law Offices of David M. Offen logo
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The Law Offices of David M. Offen

601 Walnut St., Suite 160 West, Philadelphia, PA 19106
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Business Description

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

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.

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.

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.

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