2021

Top Credit Repair Services in Phoenix - 2021

LAST UPDATED 27 Sep, 2021
19 Firms
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List of the Top Credit Repair Services in Phoenix

Credit Absolute is a credit repair service Provider in Arizona that offers Professional help to its clients to rebuild their credit. The company helps people to build business credit and ID theft Protection. Using their services, one can successfully take control of his credit score and create an effective game plan to bring him back on track.

Service Focus
30%
24%
10%
36%

Credit Glory is a credit repair company that has been in the industry for more than a decade. The team at the company also has vast experience in working for different debt collection agencies nationwide. They work in strict compliance with the Credit Repair Organizations Act. However, Credit Glory does not guarantee the permanent removal of verifiable tradelines.

Service Focus
38%
7%
16%
39%

Andorra Credit Repair is a credit repair corporation run by Stephanie Black who is the founder and President of the company. Stephanie started her services in 2003 by helping her fellow loan officers imProve their credit scores. She later founded the company and since then she has served various clients in the credit industry.

Service Focus
26%
15%
27%
32%

Nationwide Credit Cleaning (NCC) is a family-owned company that has its headquarters in Chicago. The company was established by Todd Stern in 1985 with one office in Chicago. Today, they have their offices in Miami, St. Louis, and Detroit also. Giving a free credit report consultation to the client, NCC is the high-end boutique of credit repair.

Service Focus
44%
16%
7%
34%

Credit Repair Phoenix is a credit repair service Provider in Phoenix AZ that offers help to people with bad credit. The local partners of the companylude business attorneys, drug rehabs, electrician Tucson, HVAC services, solar companies, car donations, cheap car insurance, and many more. Credit Repair Phoenix also offers its services in Washington DC, Atlanta, Austin, Boston, Brooklyn, and others.

Service Focus
52%
9%
3%
35%

Raise Up Credit Repair is a credit repair company that works to get the credit scores of its clients as fast as possible. Founded in 2009, the company has repaired the credit scores of thoUSAnds of people. Whether bankruptcies, removing the collection, late payments, foreclosures, or charge offs, the Raise Up Credit Repair has experts for all.

Service Focus
8%
34%
51%
7%

Credit Repair Pros offers credit repair services by working directly with the credit bureaus and creditors of its clients. The experts at the company challenge inaccurate information on the credit report of their clients and transform the credit score with effective solutions. An expert at Credit Repair Pros checks, challenges, changes, and takes actions to bring credit scores back on track.

Service Focus
35%
26%
27%
12%

Phoenix Credit Consultants (PCC) is a credit repair company that offers expert credit repair services in Phoenix and other cities. The company specializes in credit repair, credit and debt consultation, mortgage-ready credit repair, settlement assistance, credit report analysis, and student loan recovery Program. PCC serves its clients with efficient and affordable maintenance plans.

Service Focus
27%
16%
33%
24%

Arizona Credit Law Group, PLLC (AZCLG) is a law firm that offers credit repair, debt settlement, bankruptcy, litigation, and estate planning. The company is dedicated to Providing Professional help to both individuals and organizations to come out from financial trauma. Their Pricing is flat rate with different plans.

Service Focus
11%
32%
27%
30%

Highline Credit is a credit repair company in Phoenix that offers its services all over the United States. The company works torease your credit score and imProve the financial future. The team at Highline Credit has been working for more than 30 years in the credit repair industry.

Service Focus
23%
14%
18%
45%

Founded in 2004, Praxis Credit Consulting is a credit repair company in Phoenix. Using strict Programs and software system the company has served thoUSAnds of people with creative and personalized credit repair strategies. Praxis Credit Consulting has experts who remove items that are inaccurate, misleading, and obsolete.

Service Focus
39%
39%
6%
17%

Colombe Credit Repair Services offers credit repair, debt consolidation, student loan relief, medical debt relief, and other related services. The company was founded by Ruben Colombe who put his knowledge to help others fix their credit. He works to clean up credit and raise scores for its clients from Phoenix and other cities in Arizona.

Service Focus
24%
30%
11%
36%

Credit Zipper is an ultimate resource for debt and credit repair help in Phoenix. They work to help individuals who want to imProve their credit scores immediately. The company works to imProve your credit, reduce debt, and create long-term financial freedom. Credit Zipper also helps you consolidate your debt while saving money on interest.

Service Focus
21%
19%
16%
44%

Paragon Credit Services is a credit repair company in Phoenix. The company offers free credit consultation, free credit score evaluation, free audit & solutions recommendations. They have a Professional team that works in legal, cost-effective, moral, and ethical manner. The team at Paragon Credit Services uses ProPrietary software systems to deliver successful results.

Service Focus
0%
33%
27%
40%

SouthWest Personal Consultants is a credit repair company that helps its clients remove inaccurate, unverifiable, and obsolete items off their credit reports. The core services of the companylude filing bankruptcy, credit repair, and cancel timeshare agreements. The team at SouthWest Personal Consultants has been in the business for over 12 years.

Service Focus
10%
1%
30%
60%

Ovation Credit Repair Services offers credit repair, credit education, and credit monitoring. The company works with credit bureaus and creditors to resolve issues with its clients’ credit reports. They specialize in the credit repair Process, credit expertise, and superior customer services in the industry. Ovation Credit Repair Services has helped thoUSAnds of individuals live an imProved credit life.

Service Focus
0%
45%
10%
45%

Phoenix Fresh Start Bankruptcy Attorneys, PLLC is a Phoenix-based debt relief company that offers Professional bankruptcy help services. The team at the company has got highly experienced bankruptcy attorneys who have worked for multiple law firms in Arizona. They work to rescue their clients when they are drowning in debt.

Service Focus
26%
14%
41%
20%

RL Kramer is a credit repair company in Phoenix that is run by a Professional credit repair consultant and personal financial trainer, Richard Kramer. He offers his help to repair his clients’ credit in only 120 days. In his 40 years of diverse experience, he has helped people in bankruptcies, late payments, chargeoffs, repossessions, collections, judgments, tax liens, and foreclosures.

Service Focus
39%
21%
4%
36%

Phoenix Group Credit Services is a credit repair company in Phoenix, Arizona. The company comes up with different credit repair options and also offers its help in home loan refinancing. From payment history, debt ratio, length of credit history, types of credit, to the number of credit inquiries, its Professional team can help you in all. Their core serviceslude unlimited disputes, security locking, goodwill interventions, and debt validation.

Service Focus
27%
24%
38%
11%

Expert Answers To Common Questions:

  1. Can a credit repair service lower my mortgage payments?
  2. Should I use a credit repair service?
  3. How do credit repair services work?
  4. Are credit repair services legal?
  5. Do credit repair services work?
  6. How can I repair my credit myself?
  7. What is the best credit repair service?
  8. Is it worth paying someone to fix your credit?
  9. How much does it cost to repair my credit?
Can a credit repair service lower my mortgage payments?

Settling whatever challenges or inaccurate information you have in your credit report can help you get a good credit score which is enough to also have low mortgage rates. Credit repair services can help with challenging this inaccurate information and ensure that it has actually been corrected in your credit report. This can get you a good credit score as long as you don’t have any down debts and the information challenged was actually inaccurate thereby getting you low mortgage rates.

Should I use a credit repair service?

It’s not necessary or something you need to do before you get your challenges sorted. You can absolutely do it on your own but if you need further advice or would like to consult with experts or you’re a busy person and wouldn’t have time to do it and follow up, then you should get the services of a legitimate credit repair company to help you with it.

How do credit repair services work?

What credit repair companies do primarily is to give you advice on what to do regarding inaccurate information on your credit report and also help you through the process of submitting a challenge to the appropriate quarters. Depending on the subscription you have with them and the amount you’re paying, these services might be extended to other things such as credit monitoring. So basically they provide services to help you counter any kind of inaccurate information you have on your credit report.

Are credit repair services legal?

Yes, credit repair services are legal. It is even protected by a federal law. So that means using them is actually not a problem. However, you might need to be very careful when selecting a credit repair company so as not to fall for scams posing to offer credit repair services. Also, beware of any credit repair company that guarantees to have accurate information taken off your credit report.They have no hand in that, they only submit disputes just like you can do yourself and wait for feedback regarding the dispute issued.

Do credit repair services work?

If work means helping you to dispute or challenge any inaccurate information in your credit report, then yes. Credit repair services help you do that together with a number of other things, one of which is Credit reporting. They submit a dispute on your behalf and also do follow up to ensure it is settled and the information no longer appears on your credit report. However, if the information is inaccurate or unverifiable, then the information might not be removed but that is not a fault on the part of your credit repair company.

How can I repair my credit myself?

To start, you’d first have to obtain your credit reports. Everyone is entitled to a free credit report once in 12 months and this can be gotten from www.annualcreditreport.com. After getting your report, the next thing is to check and review the report for any negative items or inaccurate information, which could be late payments, bankruptcies, repossessions and so on. Next step is to challenge and dispute the inaccurate information in the report. If the information is accurate, it will not be removed. Even for the inaccurate information detected, you will need to get proof or something to back up your claim for it to be properly investigated and have it removed. You can then send a mail to the credit agency reporting the inaccurate information stating your challenge. There’s also an option to submit disputes online and this can be done via the agency’s website.

What is the best credit repair service?

There are a number of companies that offer credit repair services. Their services usually come with not just helping you repair your credit but also some other things like credit monitoring or follow up to ensure the inaccurate information has been removed from your credit report. The best available is Credit Saint, having an A+ rating at the Better Business Bureau for over 10 years. They offer free consultation at the start to help you identify negative items in your credit report before you can then decide on which of their packages you want to go for. Their services range from sending challenges to all three credit bureaus, sending cease and desist letters, to credit monitoring and being able to monitor progress in your dashboard.

Is it worth paying someone to fix your credit?

Unless you’re a really busy person and you don’t have the time to check your reports and dispute whatever inaccurate information you have in your credit report, then it’s not worth paying someone to fix your credit for you. “Fix”, at best in this context, means they’ll help you try to get inaccurate information off your credit report as long as it’s the right thing and also verifiable. If the information is not accurate, there’s nothing even the best credit repair services can do to remove such information. Whereas, there’s nothing a credit repair service or anyone willing to help you for a price will do that you totally cannot.

How much does it cost to repair my credit?

It costs absolutely nothing to repair your credit when you do it all by yourself. It’s not an entirely difficult process that you can’t handle and it will help you save money rather than pay someone to do it. However, you can spend between $30 to $130 when you hire the services of a credit repair company to help you go about it just in case you don’t have the time to do it yourself. Most credit repair services are usually subscription based and you might have to pay the amount every month to have the companies help you dispute inaccurate information in your credit reports.