Best Credit Repair Companies in Seattle

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Credit Repair Companies FAQs

Learn more
Credit Saint logo
FEATURED
Free credit evaluation

Credit Saint

Seattle, WA
Visit WebsiteWebsite

Business Description

Credit Saint provides credit repair services to consumers in Seattle. In business for more than 15 years, it provides clients with a credit monitoring service as it evaluates their credit history for inaccurate, incomplete, unverified, and outdated information. These include collections, charge-offs, foreclosures, repossessions, and judgments that the company challenges or negotiates. Credit Saint also counsels clients on the impact of their scores on financial activities and on the ways of optimizing a positive report when paying bills and opening or closing 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.
4.8

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

Lexington Law logo
FEATURED
Free Credit Report Consultation

Lexington Law

Seattle, WA

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)
Yelp
1.0 / 5 (2)

Price: Free Credit Report Consultation

American Financial Solutions logo
Visit WebsiteWebsite

American Financial Solutions

1 Union Square 600 University Street Suite 2409, Seattle, WA 98101
Visit WebsiteWebsite

Business Description

American Financial Solutions is a nonprofit financial education, debt consolidation, and credit counseling agency that has improved the financial lives of residents in Seattle since 1999. The credit counseling personnel are certified by the National Foundation of Credit Counselors to offer credit report evaluation services and provide recommendations suited to the clients' credit situation. They also assist with the management of student loans, debt management, pre and post-bankruptcy counseling, and foreclosure prevention services. American Financial Solutions provides credit, debt, and budgeting education as well as pre-purchase homeownership counseling. Its housing counselors are certified by the Federal Bureau of Housing and Urban Development.

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.
4.0
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
Construction Credit Corp logo
Visit WebsiteWebsite

Construction Credit Corp

650 S Orcas St Ste 114, Seattle, WA 98108
Visit WebsiteWebsite

Business Description

Founded in 1955, Construction Credit Corp provides credit repair services in the Seattle area, focusing on serving affiliates of the construction industry, including subcontractors, building materials suppliers, attorneys, and financial institutions. The company's experts offer credit consulting services to establish current credit status. They work on daily status reports and monthly status information on contractors. Construction Credit Corp also assists with foreclosure issues, lien notification, and filing services, and it acts as a link to attorneys by offering referral services in case of legal issues. Construction Credit Corp holds credit seminars and provides reading material to educate people on state laws.

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

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
––
CreditCEO logo
Visit WebsiteWebsite

CreditCEO

701 5th Avenue, Seattle, WA 98104
Visit WebsiteWebsite

Business Description

CreditCEO is a company that helps its customers repair their credit scores. The company was listed as the Expert Credit Advisor of Fox News. CreditCEO offers credit coaching and education for individuals interested in learning the inner workings of their credit. Mortgage loan prequalification is also offered to customers who are searching to buy a house. To help improve its user's credit score, the company disputes any bad accounts on the user's credit report.

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
4.6 / 5 (52)
Facebook
4.6 / 5 (39)
Henry & DeGraaff, PS logo
Visit WebsiteWebsite

Henry & DeGraaff, PS

787 Maynard Ave S, Seattle, WA 98104
Visit WebsiteWebsite

Business Description

Henry & DeGraaff PS is a law firm that offers credit repair services in Seattle to individuals and businesses that need help with their credit debt. The firm specializes in credit repair and provides a variety of credit solutions to help clients improve their credit scores. Using state and federal laws, its attorneys can legally challenge the three credit bureaus to remove inaccurate, misleading, incomplete, or unverifiable information on a client's credit report. If necessary, Henry & DeGraaff can defend clients against collection agencies and other harassing creditors through litigation.

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
Kidworth Group & Associates, LLC logo
Visit WebsiteWebsite

Kidworth Group & Associates, LLC

P.O. Box 638, Bellevue, WA 98009
Visit WebsiteWebsite
  • Debt Consolidation
  • Credit Monitoring

Business Description

Kidworth Group & Associates, LLC, caters to clients in the Seattle metro and the surrounding areas. It offers credit repair services, which help make getting a job or finding a place to live easier. Its process involves obtaining reports from the major credit bureaus; removing incorrect items such as bankruptcy, car reposition, and foreclosures; providing personalized credit score improvement analysis, and challenging illegal activities issued by the credit bureaus. Kidworth Group & Associates brings nearly 17 years of experience in the industry.

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 (4)
PNW Credit Repair 800 logo
Visit WebsiteWebsite

PNW Credit Repair 800

3918 NW Phinney Bay Dr, Bremerton, WA 98312
Visit WebsiteWebsite
  • Unconditional Money Back Guarantee

Business Description

PNW Credit Repair 800 provides credit consultation, analysis, and recommendations in Seattle. Agents of the company dispute with creditors and credit bureaus about the negative items on the credit report. They provide live status updates for monitoring improvements on the credit score. The company offers credit training and education, which helped most of its customers see at least a 10-points increase after 35 days. The average credit score increase that its clients' achieve in six months is 60 points.

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 (2)
Symmes Law Group, PLLC logo
Visit WebsiteWebsite

Symmes Law Group, PLLC

1001 4th Ave Ste 3200, Seattle, WA 98154
Visit WebsiteWebsite

Business Description

Symmes Law Group PLLC is a credit repair company in Seattle with a legal team that can help clients fix their financial situation. After auditing credit reports, the company can advise clients on how to improve their credit scores. Its lawyers use a multiple-phase dispute process to have inaccurate items removed by the credit agencies if they are unable to validate them. Symmes Law Group makes sure that the credit bureaus provide original documentation as proof of validation. The firm also sends out estoppel letters and FTC complaints to creditors who do not comply with FCRA laws.

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

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
Take Charge Credit Consulting logo
Visit WebsiteWebsite

Take Charge Credit Consulting

Lacey, WA 98503
Visit WebsiteWebsite
  • Credit Monitoring
  • Credit Audit

Business Description

Take Charge Credit Consulting helps clients in Seattle in regaining their financial freedom. It provides credit repair and building services, which include working with credit bureaus to dispute questionable records and account history. The company uses modern financial strategies to improve clients' credit scores, including the use of educational modules and a brief overview of credit laws. Owner Tierra Bonds uses her experience as an independent contractor in the marketing industry to change the lives of people by enhancing their ability to deal with evolving economic conditions.

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
4.8 / 5 (32)
Facebook
5.0 / 5 (19)
The Credit Guru logo
Visit WebsiteWebsite

The Credit Guru

23632 Highway 99 Ste F404, Edmonds, WA 98026
Visit WebsiteWebsite

Business Description

Founded in 1993, The Credit Guru is a trusted credit repair company near Seattle that helps individuals fix bad credit and raise their credit scores. The company offers a free consultation to analyze credit reports and recommend what services are available to the client. Its credit specialists work to have negative items removed or corrected by working closely with the three credit bureaus of TransUnion, Experian, and Equifax. The Credit Guru can continue to monitor a client's account each day to make sure questionable items are getting deleted and the desired credit score is achieved.

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
Veteran Credit Repair logo
Visit WebsiteWebsite

Veteran Credit Repair

1001 4th Avenue, Seattle, WA 98154
Visit WebsiteWebsite

Business Description

Veteran Credit Repair is a local company that serves clients in Seattle. It provides assistance in removing negative items from a client's credit report. These include bad credit due to late payments, loan defaults, mortgage foreclosures, alimony, divorce, and job loss. Its credit repair services include evaluation of credit history as well as credit education and credit repair information. Its team offers software that helps clients in monitoring the progress.

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

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

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.

Read All FAQS