Atlanta Credit Repair
A better credit score is within reach. Let these credit repair services in Atlanta help you eliminate errors damaging your credit reports.
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To ensure you're getting reputable service in Atlanta, check out these options:
- 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
Poor credit can take a serious toll on your finances. It makes qualifying for the best loans or top-tier credit cards a real challenge.
And if you don't address it, recovering your credit could take years.
But don't worry—Atlanta's top credit repair companies are here to help. These pros know the ins and outs of fixing credit and can get you back on track fast. Read on.
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 Atlanta Credit Repair Companies
These companies in Atlanta differ in their features, pricing, upsides, and downsides. You can get a free consultation or credit assessment to see which is the right fit.
Lexington Law: Best Overall
Lexington Law has been in the industry since 2004. It's a law firm specializing in credit repair and has helped remove over 83 million inaccurate, negative items since it started.[1]
Why We Like It:
Lexington Law understands that life can throw curveballs, like identity theft, which is why they offer tailored credit repair solutions called Focus Tracks.
For instance, identity theft can wreak havoc on your credit and finances. You might find yourself charged for transactions you never made. Your credit score then plummets due to missed payments and collection accounts you weren't even aware of.
With the Identity Theft Focus Track, Lexington Law can identify entries you didn't make and assist you in pursuing your case of identity theft. You'll also get credit monitoring features to keep a closer eye on your information.
Pricing & Fees:
Lexington Law offers only one premium credit repair package at $139.95/month.[2] 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 5-15 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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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
Credit Saint has been in the industry for over 20 years, and has helped over 200,000 clients since it started.[3]
What's more, it offers one of the most aggressive credit repair services, so it's a great choice if your credit is in serious trouble.
Here are more reasons why you should go for it.
Why We Like It:
Unlike most credit repair companies, Credit Saint provides a 90-day money-back guarantee. You get to request a full refund if no questionable items are taken off your credit reports within 90 days of enrollment.
This guarantee provides an extra layer of protection for your payments, giving you peace of mind. Additionally, family members can join your account without needing to pay setup fees.
Pricing & Fees:
Credit Saint offers three packages with the following features:[4]
| 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 a pioneer in the credit repair industry. It has been around since 1989 offering one of the cheapest services available in the United States.[5]
On top of that, Sky Blue Credit specializes in Mortgage Preparation, which is ideal if you're looking to buy your first home or refinance your current mortgage.
Why We Like It:
Credit repair can be costly. But with Sky Blue Credit, if you sign up with another person through Couples Pricing, you can significantly save on monthly fees.
What's more, all plans come with a satisfaction guarantee. If within 90 days of signing up, you're not satisfied with the service, you can request a refund—no questions asked.
Lastly, with Mortgage Preparation, professionals will prepare your credit reports for the big move. They can also guide you through your loan application.
Pricing & Fees:
Sky Blue Credit offers the following features for each package:[6]
| 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 a trusted name in credit repair for 15+ years, and it has helped over 1 million clients since it started.[7]
What sets them apart? They don't just focus on repairing credit—they help you build your credit, too. If you're looking for a service that does both, The Credit Pros is an ideal option.
Why We Like It:
The Repair + Build Credit plan includes a $5,000 tradeline from their partner, NationalCreditDirect.com. This tradeline lets you shop on their website. And if you pay your monthly balances on time, you can enhance your credit history over time.
Additionally, for selected plans, The Credit Pros reports your monthly payments to the credit bureaus. This means, that while The Credit Pros disputes for errors, you're adding positive entries to your credit reports just for paying your plan.
On top of all that, you'll get credit monitoring features regardless of your plan. You won't have to spend extra on a separate service to track your identity, preventing identity theft and fraud.
Pricing & Fees:
Here's what else you can get from them:[8]
| 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 helping clients take control of their credit since 2001. With over 1.4 million inaccurate items successfully disputed, their track record speaks for itself.
On average, clients see a credit score boost of 50–100+ points, making them a reliable choice for effective credit repair.[9]
Why We Like It:
If you're looking to save on monthly fees, The Credit People offers a flat-rate plan.
For $599, you get 6 months of Premium service, which lets you save $20/mo compared to the regular Premium package.
What's more, all services include a satisfaction guarantee—which also covers the entire duration of the flat-rate plan.
But the best part is that The Credit People has one of the lowest setup fees in the industry. You can start for just $19. 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:[10]
| 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 is the process of disputing the credit bureaus for inaccuracies in your credit reports. The goal is to remove them and prevent further damage to your credit.
Credit repair companies will check for errors like:
- Incorrect late payments
- Outdated accounts
- Unauthorized inquiries
They then send dispute letters to the credit bureaus to challenge these errors.
That said, you can try to repair your credit on your own. The Fair Credit Reporting Act gives you the right to request your credit reports and directly dispute any errors with the credit bureaus.
Credit Repair Process in Atlanta
Credit repair companies review your credit reports for errors and send dispute letters to the credit bureaus.
Here's how it works:
- Sign up for a free consultation
You can begin by signing up for an initial online consultation or credit assessment. It's usually free! - Professionals review your credit reports
Professionals will go through your credit reports to spot errors, like inaccurate entries and wrong details. - Professionals send dispute letters for you
After reviewing your credit reports, these companies will send dispute letters to the credit bureaus. - Wait for results
Credit bureaus have 30–45 days to investigate your dispute. Then, the credit bureaus have another five business days to notify you of the results of the investigation.
Companies operate on a re-dispute basis. If the first letter doesn't lead to a removal, you can request to write and send another one. You can add more evidence to support your case.
Bear in mind that you need to allot another 30–50 days to wait for the verdict of your second letter.
Atlanta Credit Repair State Law
According to Georgia Fair Business Practices Act, credit repair services in Atlanta should not:[12]
- Promise to remove all negative items from your credit report (including accurate items)
- Offer to create a new identity for you
- Tell you to stop making debt payments to your creditors
- Tell you to ignore IRS, collection letters, and other documents
As stated in the Credit Repair Organizations Act, you must be provided with a written contract — signed and dated. The contract should clearly state your fees, service scope, and cancellation rights.
Also, all companies and organizations must follow the provisions in the Telemarketing Sales Rule. Telemarketers shouldn't use threats, intimidation, or obscene language when engaging with you.
Credit repair is legal in Georgia. However, it has strict laws and provisions for regulating credit repair companies. All companies should operate following the rules in Georgia to avoid harming consumers and getting fined for violations.
Is Atlanta Credit Repair Worth It?
Atlanta's credit repair companies can be worth the price tag if your credit reports contain many inaccuracies.
Successful disputes often require a high level of expertise, knowledge, and skill. Signing up for experienced companies may increase your confidence in achieving better credit over time.
However, keep in mind that fees can become hefty. Monthly fees start at $60, with first work fees going as high as $195. If you only have a few inaccurate negative items to challenge and remove, a DIY may be a more reasonable option.
To know how much you might spend on credit repair services, use the calculator below.
Improving and repairing your credit score doesn't follow a set timeline. The process can range from a few months to several years, largely depending on the extent of the credit issues you're addressing.
Credit Repair Cost Calculator
To know how much your potential credit repair fees will be, follow the steps below.
- Input the first work fee (setup fee) of your chosen company.
- Input the monthly fee of your chosen package.
- Input the number of months you think you may need credit repair services.
- Click Calculate.
How to Repair Your Credit By Yourself
Credit repair costs can add up quickly. If you want a more hands-on approach to improving your credit, just follow the methods used by Atlanta's top credit repair companies.
First, get your credit reports from AnnualCreditReport.com. Then review all entries and information for errors. Afterward, write and send the dispute letters to the credit bureaus.
Keep in mind that you're not limited to disputes—you can take additional steps to boost your overall financial wellness, too.
For instance, you can increase your credit limit and reduce your credit utilization ratio by signing up for the best credit cards and keeping your balances low. You can also explore money management apps to help sort out your finances.
How to Choose an Atlanta Credit Repair Company
Having trouble deciding on the right credit repair service? Consider the following 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 looked 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 have a significant number of reviews from clients and prospects. We browsed platforms like BBB, Trustpilot, and Google Reviews, and looked for social media profiles of these credit repair companies.
Bottom Line
Poor credit doesn't mark the end of your financial journey. With the resources and strategies outlined in this list, you can begin restoring your credit to a healthier state.
By combining the expertise of credit repair companies with improved financial habits, you can work toward achieving an optimal credit score and unlocking the best financial opportunities.
Or you could also take the DIY approach to credit repair. Either way, with dedication and persistence, the path to better credit is within your reach.
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
- ^ Lexington Law. Lexington Law - Home Page, Retrieved 11/15/2024
- ^ Lexington Law. How much does Lexington Law cost?, Retrieved 10/08/2024
- ^ Credit Saint. About Credit Saint, Retrieved 11/15/2024
- ^ Credit Saint. Packages, Retrieved 10/08/2024
- ^ Sky Blue Credit. Sky Blue Credit - Home Page, Retrieved 11/15/2024
- ^ Sky Blue Credit. Member pricing, Retrieved 10/08/2024
- ^ The Credit Pros. About Us, Retrieved 11/15/2024
- ^ The Credit Pros. How Much Does Credit Repair Cost, Retrieved 10/09/2024
- ^ The Credit People. The Credit People - Home Page, Retrieved 11/15/2024
- ^ The Credit People. Plans & Pricing, Retrieved 09/16/2024
- ^ The Credit People. FAQ: Is there a discount for couples?, Retrieved 11/01/2024
- ^ Georgia Attorney General's Consumer Protection Division. Credit Repair, Retrieved 11/15/2024
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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