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Best Credit Repair Companies in Phoenix, AZ

Sept. 24, 2019, 8:01 p.m.

Credit affects every aspect of your life. Low credit scores can increase insurance premiums and interest rates, making it harder to purchase a new home or vehicle. A good credit repair company allows you to have access to your credit score process while building your credit in the shortest amount of time. Our partners at ConsumerAffairs researched the best credit repair in Phoenix to help you increase your credit score.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. ABC15 may receive compensation from our partners. Learn more.

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#1
MOST POPULAR
Credit Saint

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VISIT WEBSITE
CALL CREDIT SAINT
(478) 845-6310
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#1 MOST POPULAR
Credit Saint
Credit Saint
Features
  • Available in Phoenix
  • 90-day guarantee
  • A+ BBB rating
  • Full credit restoration
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VISIT WEBSITE
CALL CREDIT SAINT
(478) 845-6310
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#2
Lexington Law
Lexington Law
Features
  • Available in Phoenix
  • 3 service repair options
  • Services start at $89.95
  • 24/7 online monitoring
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VISIT WEBSITE
CALL LEXINGTON LAW
(855) 620-5873
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#3
The Credit People
The Credit People
Features
  • Available in Phoenix
  • 32% avg. increase in credit score
  • Creditor interventions
  • Debt & inquiry validations
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VISIT WEBSITE
CALL THE CREDIT PEOPLE
(877) 696-3650
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#4
Creditrepair.com
Creditrepair.com
Features
  • Available in Phoenix
  • Starts at $99.95/month
  • 24/7 monitoring & alerts
  • Partner with all bureaus
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VISIT WEBSITE
CALL CREDITREPAIR.COM
(833) 334-6899
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#5
Sky Blue Credit Repair
Sky Blue Credit Repair
Features
  • Available in Phoenix
  • Negotiation guidance
  • 90-day guarantee
  • 15 disputes every 35 days
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VISIT WEBSITE
CALL SKY BLUE CREDIT REPAIR
(888) 751-6072
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#6
The Credit Pros
The Credit Pros
Features
  • Available in Phoenix
  • Free consultation
  • Credit advice
  • Easy-to-read reports
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VISIT WEBSITE
CALL THE CREDIT PROS
(855) 897-5132
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Credit repair in Phoenix

Phoenix skyline

You might think bad credit only keeps you from getting a loan or credit card, but it goes further than that. In severe situations, bad credit can leave you homeless and jobless. Still not convinced? Phoenix is ranked 359th for the worst credit score in the U.S. Valley residents score an average of 646, compared to the national average of 675.

Credit repair is essential to:

  • Get a lower interest rate. Credit affects your insurance premiums, including life, auto and home. Bad credit means you’ll pay more for insurance than you would if you had better credit.
  • Buy a new home. Many banks won’t lend you a mortgage until you’ve repaired your credit.
  • Purchase a new (or newer) car. Auto lenders check credit before lending to you. A loan application could be denied without a good credit score.
  • Get a job. Potential employers check credit before hiring you. A bad credit history could cost you the job or promotion you’ve been trying to get.

Getting inaccurate and unverifiable negative information off your credit report is one the fastest ways to improve your credit score. Credit bureaus must respond and resolve a dispute within 30 days. However, some credit issues are more complicated and will take more time.

Phoenix credit repair companies provide customers with several credit restoration services, such as real-time online credit monitoring, identity fraud alerts, debt validation and goodwill letters. A personal case manager or a team of representatives will handle your case.

The credit repair process is quite simple:

  1. Customers fill out an online application to receive their credit report.
  2. Upon receipt of the credit report, a credit repair company in Phoenix will conduct a line-by-line review and dispute erroneous or unsolved information reported by lenders.
  3. As each item is resolved, customers can track their progress online.

Credit repair companies often charge a setup fee plus a recurring monthly fee. During the selection process, you’ll know you’re encountering a scam if a company:

  • Demands payment prior to work (not including setup fees used to get your credit report)
  • Prohibits you from contacting the credit bureaus yourself
  • Disputes true information in your credit report
  • Gives you false information for credit or loan applications

Credit repair services can be beneficial for anyone in Arizona wanting to improve his or her credit score—from not having enough credit history, to fraud, late payments or owing too much relative to income. The best credit repair companies in Phoenix are transparent in their process and upfront about costs.

Credit Saint

Credit Saint

CALL CREDIT SAINT

(478) 845-6310 VISIT CREDIT SAINT

Credit Saint assigns a team of specialists to your case that will call once a month to make sure you are on the right track. The company offers a 90-day money-back guarantee if you don’t see inaccurate negative items, like collections and late payments, removed from your credit report.

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Lexington Law

Lexington Law

CALL LEXINGTON LAW

(855) 620-5873 VISIT LEXINGTON LAW

Lexington Law offers three credit repair service levels that include real-time fraud protection alerts and access to InquiryAssist to address score-damaging credit report inquiries. However, some customers note poor service and failure to have inaccuracies removed promptly.

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The Credit People

The Credit People

CALL THE CREDIT PEOPLE

(877) 696-3650 VISIT THE CREDIT PEOPLE

The Credit People offers low monthly pricing, free credit reports and an Unbeatable Satisfaction Guarantee. With trained and certified representatives handling each case with unique strategic action, The Credit People exceeded customers expectations.

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Creditrepair.com

Creditrepair.com

CALL CREDITREPAIR.COM

(833) 334-6899 VISIT CREDITREPAIR.COM

Creditrepair.com helps you repair your past by working with bureaus and creditors to ensure that your credit score is reflected accurately. Online reviews of Creditrepair.com are mixed. Some customers reported receiving credit scores up to 85 points higher than their previous one, but others struggled with inconsistent customer service representatives.

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Sky Blue Credit Repair

Sky Blue Credit Repair

CALL SKY BLUE CREDIT REPAIR

(888) 751-6072 VISIT SKY BLUE CREDIT REPAIR

Since 1989, Sky Blue Credit Repair has been delivering a user-friendly experience, pinpointing specific actions you can take to raise your credit score. As part of a monthly membership, the company also offers additional services like debt validation, goodwill letters and negotiation guidance. Customers in Phoenix favorably review the company’s knowledgeable staff and quick service.

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The Credit Pros

The Credit Pros

CALL THE CREDIT PROS

(855) 897-5132 VISIT THE CREDIT PROS

The Credit Pros offers one-on-one consultations in Phoenix with certified FICO professionals and credit monitoring at no additional cost. The company’s easy-to-read credit reports and personalized score insights help customers understand their credit score and what they can do to improve it. Free consultations are offered.

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Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.