Expertise.com

2024

Last updated:

Best Credit Repair Companies in Kent

Our Recommended Top 8

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 Kent 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.

96Reviewed

60Curated

8Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Kent, WA
  • Money Back Guarantee
  • Credit Restoration
  • Credit building
  • Credit Audit
  • Credit Repair

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expertise, it evaluates a consumer's credit history to challenge or negotiate inaccurate, incomplete, unverified, and outdated information.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

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

Price: Free Credit Evaluation

Kent, WA

Why choose this provider?

Need help contacting a Credit Repair Company in Kent? Call our Concierge team at 848-Book-Pro (848-266-5776 from 6 am - 4 pm PT | Mon - Fri). They are standing by to help you get the service you need.

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 booking service | Call 848.Book.Pro!

Website
5620 112th Street East, Puyallup, WA 98373
  • Debt Consolidation

Why choose this provider?

LifeLine Solutions is a credit repair company dedicated to saving clients in Kent from potential financial problems. Its NW director, Troy Martin, experienced first-hand the impact of debt when he and his family suffered during the 2008 recession. Martin and his team of consultants are trained to help individuals dealing with different financial hardships. Their services include credit analysis, which helps them understand the solutions needed to improve one's credit report. They also offer budget creation and a cash calendar to help clients control their finances.

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)

Website
733 7th Avenue, Kirkland, WA 98033
  • Credit Dispute
  • Credit Monitoring

Why choose this provider?

LSI Credit Solutions is a credit restoration company that has been helping clients in Kent and the surrounding areas to improve financial profiles since 2006. It assists with investigating discrepancies in audit reports, negotiating with creditors, and maintaining a higher credit score. In addition, the company has a settlement team that negotiates and settles any verified collection. A client of LSI Credit Solutions used the company's credit improvement services to procure two new vehicles and refinance her house.

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
Facebook
5.0 / 5 (31)
Google
1.0 / 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
3918 Northwest Phinney Bay Drive, Bremerton, WA 98312
  • Credit Audit

Why choose this provider?

PNW Credit Repair 800 is a credit repair firm that has helped thousands of people in the last six years. It is the only military-trusted credit repair company in the state. The firm has a rapid credit restoration program online for customers. This helps clients achieve improved ratings, which opens them for loans with better interest rates. PNW Credit Repair 800 also assists clients who have been denied by other companies.

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 (6)

Website
701 5th Avenue, Seattle, WA 98104
  • Credit Dispute

Why choose this provider?

Credit CEO is a credit repair and consulting company serving clients across the Kent metro. Its services include helping clients dispute credit information, credit analysis, and credit restoration. The company also helps with credit education. Credit CEO has been featured on Fox News, and its lead Credit Repair Expert, Jesse Rodriguez, has more than 10 years of experience in financial management. He is the author of The Credit Blueprint: 5 Key Steps To Perfect Credit.

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 (65)
Google
4.6 / 5 (40)

Website
23632 Highway 99, Edmonds, WA 98026
  • Credit Monitoring
  • Credit Dispute

Why choose this provider?

The Credit Guru provides credit repair services for residents of Kent and other surrounding metros. Its credit repair services are grouped into the regular service package and the premium service. Jon Rosenthal, the company owner, initially worked for a tax attorney that assigned him to debt collection and credit repair research. This made him knowledgeable in FCRA and FDCPA. He established The Credit Guru 28 years ago when the lawyer that he worked for retired.

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 (31)
Google
5.0 / 5 (5)

Website
1001 4th Avenue, Seattle, WA 98154
  • Credit Audit

Why choose this provider?

Veteran Credit Repair is a locally-owned and locally-operated credit restoration business that serves clients in Kent and the surrounding areas. The company assists individuals and families in overcoming financial obstacles by repairing their bad credit standing. Its credit advisors assess clients' credit histories and create a personalized action plan based on their financial situation. The team also utilizes a software where customers can trace the progress of their case. The firm has been helping people restore their credit score for over a decade.

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

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.

Related Articles

FeaturedCreditRepair

How To Hire A Credit Repair Company

Credit repair can improve your financial standing. Learn how to find a qualified credit repair expert who helps build up your...