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Top Credit Repair Companies
= Featured Provider
New York, NY
Credit Saint
New York, NYLexington Law
New York City, NYPremier Credit Plus
14708 235th St, Rosedale, NY 11422
Los Angeles, CA
Credit Saint
Los Angeles, CAPyramid Credit Repair
11908 Ventura Blvd, St 202, Studio City, CA 91604Lexington Law
Los Angeles, CA
Chicago, IL
Credit Saint
Chicago, IL 60625Lexington Law
Chicago, ILCredit Geeks LLC
1200 N Ashland Ave Ste 202, Chicago, IL 60622
Brooklyn, NY
Credit Saint
Brooklyn, NYLexington Law
Brooklyn, NYOasis Credit Group
1658 Coney Island Avenue, Brooklyn, NY 11230
Queens, NY
Credit Saint
Queens, NYLexington Law
Queens, NYPremier Credit Plus
147-08 235th Street, Queens, NY 11422
Houston, TX
Credit Saint
Houston, TX 77001Credit Recovery Group
8323 Southwest Freeway, Suite 708, Houston, TX 77074DPMC Consulting / DPMCUSA LLC
Houston, TX
Phoenix, AZ
Credit Saint
Phoenix, AZLexington Law
Phoenix, AZDebt Advisors
722 E Osborn Rd Ste 300, Phoenix, AZ 85014
Philadelphia, PA
Credit Saint
Philadelphia, PA 19019Lexington Law
Philadelphia, PANicole Fisher
150 Monument Road, Suite 207 Office 208, Bala Cynwyd, PA 19004
San Antonio, TX
Credit Saint
San Antonio, TX 78006Credit Recovery Group
8323 Southwest Freeway, Suite 708, Houston, TX 77074Lexington Law
San Antonio, TX
Top Credit Repair Companies in other locations
- Credit Repair Companies in Memphis, TN
- Credit Repair Companies in Baltimore, MD
- Credit Repair Companies in El Paso, TX
- Credit Repair Companies in Boston, MA
- Credit Repair Companies in Milwaukee, WI
- Credit Repair Companies in Denver, CO
- Credit Repair Companies in Seattle, WA
- Credit Repair Companies in Nashville, TN
- Credit Repair Companies in Washington DC
- Credit Repair Companies in Las Vegas, NV
Find a Top-Ranked Credit Repair Company Near You
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.