Arizona Credit Repair
Need to fix errors in your credit reports? Learn these top Arizona credit repair companies that helped thousands of clients for years.
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To connect with certified credit repair professionals in Arizona, check out:
- Lexington Law: Best Overall
- Credit Saint: Best for Money-back Guarantee
- Sky Blue Credit: Best for Couples Pricing
- The Credit Pros: Best for Credit Building
- The Credit People: Best for Flat-Rate Plan
To qualify for the best loans or get approved for better credit card deals, you need good credit. This is true for Arizona and for the rest of the states.
In 2023, the average credit score in Arizona is 713.[1] Whether you find yours a higher or a much lower number, there are ways to repair and improve this score.
In this guide, discover the best Arizona credit repair companies to help remove errors from your credit reports. With successful disputes, you can unlock better financial opportunities.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
5 Best Arizona Credit Repair Companies
Here are the top companies offering credit repair to Arizonans. After reviewing the details, you can schedule a free initial consultation to kickstart your journey.
Lexington Law: Best Overall
Lexington Law is one of the most reputable companies in the United States. It's a law firm specializing in credit repair, with over 2 million successful removals in 2023.[2]
Why We Like It:
Lexington Law's Focus Tracks offer tailored credit repair solutions for unexpected life events, like student debt.
Imagine you've just started with your career and your financial capacity takes a hit from student loans. One wrong entry derails your credit, making it more difficult to get an ideal credit score.
Lexington Law will work to uphold your rights and assist in ensuring your debts and accounts are reported accurately. You'll also have access to credit monitoring tools to track your credit activity.
Pricing & Fees:
Lexington Law offers only one premium credit repair package at $139.95/month.[3] You get the following:
- Skilled lawyers and paralegals working on your case
- Challenges to Equifax, Experian, and TransUnion
- Monthly TransUnion FICO score
- $1 million identity theft insurance
- Personalized strategies to improve your credit score
The first payment is charged five days after you enroll, but Lexington Law doesn’t specify the exact amount. Then after a month, you'll be charged the monthly fee.
Pros & Cons:
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In 2023, the Consumer Financial Protection Bureau proposed a settlement with Lexington Law for violating the TSR.
As a result, Lexington Law was ordered to pay $2.7 billion in restitution.[4]Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Credit Saint: Best Money-back Guarantee
Another option you can consider is Credit Saint. It has been around for two decades, helping around 200,000 clients remove inaccurate items from their credit reports.[5]
Why We Like It:
Credit Saint offers a 90-day money-back guarantee. If no questionable items are removed from your credit report within 90 days of enrollment, you get a full refund.
This aggressive approach can give you more confidence in the company. Additionally, if family members sign up with you, their first work fee is waived.
Pricing & Fees:
Credit Saint offers three packages with the following features:[6]
| CLEAN SLATE | CREDIT REMODEL | CREDIT POLISH | |
|---|---|---|---|
| Aggressiveness | Very High | High | Medium |
| Price (monthly) | $139.99 | $109.99 | $79.99 |
| Initial working fee/first work fee | $195.00 | $99.00 | $99.00 |
| Challenges to the 3 credit bureaus | Unlimited disputes | ✔ | ✔ |
| Creditor intervention letters | ✔ | ✔ | ✔ |
| Score tracker and analysis | ✔ | ✔ | ✔ |
| Inquiry targeting | ✔ | ✔ | — |
| Personalized guide to credit building | ✔ | ✔ | — |
Pros & Cons:
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Sky Blue Credit: Best for Couples Pricing
Sky Blue Credit is one of the pioneers in the credit repair industry, specializing in Mortgage Preparation. It has been around since 1989 and offers one of the most affordable services.[7]
Why We Like It:
Not all companies offer options for couples pricing, but Sky Blue Credit does. If you sign up with another person, you end up saving from getting lower monthly fees per member.
Your payments are protected with a satisfaction guarantee. If within 90 days from your enrollment, you aren't satisfied with the service, you can request a refund. No questions asked!
The Mortgage Preparation is ideal for first-time homebuyers or those looking to refinance their mortgage. Sky Blue Credit helps optimize your credit for this major financial step at no extra cost.
Pricing & Fees:
Sky Blue Credit offers the following features for each package:[8]
| PREMIUM | FULL SERVICE | BASIC SERVICE | |
|---|---|---|---|
| Price (monthly) | Individual: $119.00 Couples: $179.00 | Individual: $99.00 Couples: $149.00 | Individual: $79.00 Couples: $119.00 |
| Initial working fee/first work fee | Same as monthly price | ||
| 3-bureau credit reports and scores | ✔ | ✔ | ✔ |
| Credit bureau disputes | ✔ | ✔ | ✔ |
| Score tracker | ✔ | ✔ | ✔ |
| Credit updates | Every 45 days | Every 45 days | Every 60 days |
| Creditor interventions | ✔ | ✔ | — |
| Credit builder tool | ✔ | ✔ | — |
| Monthly inquiry disputes | ✔ | — | — |
| Debt validation letters | ✔ | — | — |
| Cease and desist letters | ✔ | — | — |
| Personal Information Correction letters | ✔ | — | — |
Pros & Cons:
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Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
The Credit Pros: Best for Credit Building
The Credit Pros has been around since 2009 and has helped over 1 million clients since it started.[9] If you're looking for credit building options alongside credit repair, The Credit Pros has got your back.
Why We Like It:
Building and repairing your credit at the same time maximizes your time and effort. With The Credit Pros, two features may help in building this credit.
The Repair + Build Credit plan gives you access to a $5,000 tradeline so you can purchase items from National Credit Direct. These help add positive transactions to your credit history if you make timely payments.
In addition, The Credit Pros reports your monthly payments to the credit bureaus for selected plans.
All plans provide credit monitoring features to help track your information and prevent identity theft and fraud.
Pricing & Fees:
Here's what else you can get from them:[10]
| REPAIR + BUILD CREDIT | REPAIR CREDIT | BUILD CREDIT | |
|---|---|---|---|
| Price (monthly) | $149.00 | $129.00 | $69.00 |
| First work fee | $149.00 | $129.00 | $119.00 |
| Unlimited disputes to the credit bureaus | ✔ | ✔ | — |
| Creditor interventions | ✔ | ✔ | — |
| Cease and Desist letters | ✔ | ✔ | — |
| Positive payment reporting | ✔ | — | ✔ |
| Credit Building Tradeline | ✔ | — | — |
| ID Cover Darkweb Monitoring | ✔ | ✔ | ✔ |
| TransUnion fraud alerts | ✔ | ✔ | ✔ |
| Debt Payoff & Budgeting System | ✔ | ✔ | ✔ |
Pros & Cons:
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Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
The Credit People: Best for Flat-Rate Plan
The Credit People has been around since 2001, helping over 100,000 clients improve their credit.[11] On average, clients see their credit scores improve by 50–100 points.[12]
Why We Like It:
The Credit People offers a flat-rate plan of $599 for 6 months (around $100 per month). This includes premium features, saving you up to $20/month compared to the regular Premium plan.
What's more, with the flat-rate plan, the satisfaction guarantee covers the entire duration of the service. If you're not satisfied, you can request a refund.
Lastly, unlike most companies that charge a hefty initial fee before the monthly fee, The Credit People only requires a $19 start-up fee. You'll be charged the monthly fee after seven days.
Pricing & Fees:
You can choose between a flat-rate package and two regular monthly packages:[13]
| PREMIUM FLAT RATE | PREMIUM | STANDARD | |
|---|---|---|---|
| Price | $599 for 6 months | $119/month | $99/month |
| Setup fee | $19 | ||
| Challenges to the 3 credit bureaus | ✔ | ✔ | ✔ |
| Unlimited challenges | ✔ | ✔ | ✔ |
| Before & After credit scores | ✔ | ✔ | ✔ |
| Monthly credit scores | ✔ | ✔ | — |
| Creditor interventions | ✔ | ✔ | — |
| Escalated disputes & validations | ✔ | ✔ | — |
Pros & Cons:
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What is credit repair?
Credit repair involves disputing inaccuracies in your credit reports, which can lead to their removal. This can improve your credit score over time.
Typically, credit repair companies review your reports and challenge credit bureaus for errors, such as misreported late payments, incorrect accounts, and outdated inquiries.
Keep in mind that you can do credit repair on your own too! The Fair Credit Reporting Act allows you to request your credit reports and dispute errors directly with the bureaus.
In 2023, residents of Arizona had an average credit score of 713. This is only a very minimal credit score increase from the previous year's (2022) average credit score of 712.
Credit Repair Process in Arizona
There are many ways to start doing credit repair. If you opt for credit repair services, here's how it usually goes:
- Sign up for a free consulation
Begin with an initial consultation to discuss your credit. Credit repair companies usually offer this for free. - Professionals review your credit reports
Professionals will go through your credit reports and analyze errors like outdated items, entries with wrong information, or accounts that aren't yours. - Professionals send dispute letters for you
Companies will begin the dispute by sending letters to the credit bureaus. - Wait for results
Credit bureaus will investigate the dispute letter. They have 30–45 days to do this. Once the investigation is complete, credit bureaus have another five business days to send results.
Most credit repair companies operate on a dispute and re-dispute basis. If your first dispute letter doesn't result to a removal, they can send another letter to strengthen your case.
Keep in mind that a re-dispute means you need to wait for another 30–50 days to know the verdict of the credit bureaus.
There is no definite timeline for repairing your credit. If you have many errors in your credit reports, it will take more time to wait for dispute results. To see realistic changes in your credit, it's best to allot a few months to a year.
Arizona Credit Repair State Law
Like most states, Arizona has its credit repair laws too. According to Chapter 11, Article 7 of Arizona Revised Statutes for Trade and Commerce, credit repair services should:[15]
- Obtain a surety bond of 5% of the total fees charged to the buyers over the previous years — amounting to at least $5,000 and not more than $25,000
- Provide a written contract for the client, dated and signed
- Provide a clear notice of cancellation for the client
- Return any payment made if you cancel the contract within 3 days of signing
The provisions in the Credit Repair Organizations Act and Telemarketing Sales Rule also apply to Arizona companies.
This means credit repair companies shouldn't make any untrue or misleading representations when advertising their services. They also can't demand upfront fees before performing your service.
Additionally, your contract should outline your rights, cancellation guidelines, service scope, and fees. In case of any violation, you're entitled to pursue legal action for recovery of damages.
You can legally repair poor credit by signing up with legitimate credit repair companies. These companies will dispute any items on your credit reports that are inaccurate, outdated or don't belong to you, potentially improving your credit.
Is Arizona Credit Repair worth it?
Credit repair can be worth the cost if you have many errors on your credit reports. Entries like late payments can take years to fall off and can set back your credit score by up to 100 points.
If you lack time to learn dispute strategies and state-specific laws, your dispute letters may not lead to success. Signing up for credit repair may boost your confidence in the process.
That said, if you only have a few inaccurate items to dispute, learning to do DIY credit repair may be a better option.
To keep your credit score or improve it after credit repair, you can start using credit builders and settle your debts one by one. That way, you'll add more on-time payments to your credit history. You may also keep some credit cards and use it sparingly and build better financial habits.
How to Do Credit Repair by Yourself
If you lack the extra funds to sign up for credit repair, you can always do it on your own by following the process for Arizona credit repair companies.
Instead of signing up for a free consultation or credit assessment, get your credit reports from AnnualCreditReport.com, analyze your entries, and dispute errors with the credit bureaus.
You'll save money on credit repair services, but you'll need to do the legwork yourself. This includes learning state credit repair laws, using sample dispute letters, and improving your financial habits.
How to Choose an Arizona Credit Repair Company
Selecting a credit repair company is a big decision. You'll be paying significant fees and relying on professionals to challenge credit bureaus on your behalf.
To help you choose, consider these key factors:
- History and experience
Look for companies that have a proven track record. That way, it'll be easier to get the latest news and updates regarding the company's performance, legal compliance, and accreditations. - Testimonials and reviews
Online platforms like BBB, Google Reviews, and Trustpilot are your best friends. Search for comments, reviews, and ratings to gauge and assess the company you're eyeing. - Guarantee and refund policies
Not all companies offer a guarantee and refund policy. If you want the extra safety net for your payments, go for companies with money-back guarantee or satisfaction guarantee. - Website and online presence
Most things are online now. Search for the company's website, social media accounts, and verified profiles online. This way, you'll see the basic information and send inquiries before you decide to sign up for their service.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
Our Methodology
We chose credit repair companies with more than 10 years of experience and continue to provide services to consumers. These companies have a track record for removing millions of items and helping thousands of clients in their years in the industry.
We also look at the pricing structure and potential costs when you sign up, such as:
- First work fees
- Service fees
- Other charges
- Promos and discounts
All companies on the list have extensive websites with a large library of news, articles, and resources. Some even feature online tools to help you with your finances.
Lastly, we considered companies that had a significant number of reviews from clients and prospects. We browse platforms like BBB, Trustpilot, and Google Reviews, and look for social media profiles of these credit repair companies.
Bottom Line
Bouncing back from poor credit isn't impossible! You can still improve your credit to pave the way towards financial freedom.
One way to do this is by signing up with these companies in The Grand Canyon State. They've corresponded and challenged the credit bureaus for decades.
That said, if it's too expensive, you can always try to repair your credit yourself. Remember, by starting to improve your credit today, you pave the way for better financial opportunities tomorrow.
Free Online Credit Assessment
- Free Credit Score
- Free Credit Report Summary
- Free Credit Recommendation
- 5 Minutes to Check Your Credit
Get Free Consultation From Experts
- Challenges to three credit bureaus
- Score Analysis and Tracker
- 90-Day Money-back Guarantee
- No first work fee for additional family member
Get a Free Consultation Today
- Plans start at $69/month and $119 first work fee
- 60 day money back guarantee
- Cancel service anytime
- Free Credit Monitoring
Get Started on Your Credit Repair
- No charges for the first 6 days
- 90-day guarantee
- 45-day dispute cycle
- Cancel service anytime
References
- ^ Experian. Experian Study: Average U.S. Consumer Debt and Statistics, Retrieved 11/01/2024
- ^ Lexington Law. Lexington Law - Home Page, Retrieved 11/01/2024
- ^ Lexington Law. How much does Lexington Law cost?, Retrieved 10/08/2024
- ^ CFPB. CFPB Reaches Multibillion Dollar Settlement with Credit Repair Conglomerate, Retrieved 10/16/2024
- ^ Credit Saint. Credit Saint - Home Page, Retrieved 11/01/2024
- ^ Credit Saint. Packages, Retrieved 10/08/2024
- ^ Sky Blue Credit. About Us, Retrieved 11/01/2024
- ^ Sky Blue Credit. Member pricing, Retrieved 10/08/2024
- ^ The Credit Pros. About Us, Retrieved 11/08/2024
- ^ The Credit Pros. How Much Does Credit Repair Cost, Retrieved 10/09/2024
- ^ The Credit People. Unbeatable Satisfaction Guarantee, Retrieved 11/01/2024
- ^ The Credit People. The Credit People - Home Page, Retrieved 11/01/2024
- ^ The Credit People. Plans & Pricing, Retrieved 09/16/2024
- ^ The Credit People. FAQ: IS there a discount for couples?, Retrieved 11/01/2024
- ^ Arizona State Legislature. Title 44 - Trade and Commerce, Retrieved 11/07/2024
Alex Mambaje is a research analyst at CreditDonkey, a credit card comparison and reviews website. Write to Alex Mambaje at mambaje@creditdonkey.com. Follow us on Twitter and Facebook for our latest posts.
Note: This website is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content. You do not have to use our links, but you help support CreditDonkey if you do.
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