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Best Credit Repair Companies in Cleveland, OH

Jan. 24, 2020, 1:18 a.m.

A good credit repair or restoration company will obtain your credit reports from the three agencies, review potential errors and pursue removal of inaccurate items from your credit history. Our partners at We researched the best credit repair companies in Cleveland to correct inaccuracies or outdated items on your credit report.

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#1
#1 MOST POPULAR
Lexington Law

Clean up your credit report!

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#1 MOST POPULAR
Lexington Law
Lexington Law
Features
  • Free credit consultation
  • Services start at $89.95
  • Available in Cleveland
  • Credit education
Read More
#2
The Credit People
The Credit People
Features
  • Debt & inquiry validations
  • No fee to obtain credit scores & reports
  • 24/7 account access
  • Available in Cleveland
Read More
VISIT WEBSITE
CALL THE CREDIT PEOPLE
(877) 696-3650
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#3
Sky Blue Credit Repair
Sky Blue Credit Repair
Features
  • Available in Cleveland
  • $69 per month
  • 15 disputes every 35 days
  • FICO score assistance
Read More
VISIT WEBSITE
CALL SKY BLUE CREDIT REPAIR
(888) 751-6072
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#4
The Credit Pros
The Credit Pros
Features
  • $179 fee & $99/month
  • Free credit monitoring
  • One-on-one planning
  • Available in Cleveland
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VISIT WEBSITE
CALL THE CREDIT PROS
(844) 441-1397
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Credit repair in Cleveland

Cleveland Skyline

Your credit history is used by potential lenders, landlords, insurance companies and prospective employers. Residents in Cleveland have a lower average credit score than the rest of the state and country.

Credit score Versus national average
National average 675 N/A
Ohio average 678 +.05%
Cleveland 645 -4%
Maple Heights 612 -9%
Euclid 624 -7%
Westlake 747 +10%
Solon 753 +11%

Anyone planning to use credit in the future may benefit from credit repair services. These companies can remove inaccurate or unverifiable information from your credit report, such as collections activity, bankruptcies, repossessions and more.

Credit repair in Cleveland begins with the company obtaining your credit report from Equifax, Experian and TransUnion. Upon reviewing the bureaus’ reports, the company gives you expectations and a plan of action. The company then contacts the credit reporting bureaus and individual creditors or collectors regarding the negative marks.

The Credit Repair Organizations Act prohibits companies from making claims about how quickly they can improve your credit. The process may last several months or take up to a year.

The cost for this service is a mix of initial and ongoing fees. Initial setup fees may range from $59 to $250. Monthly costs of $49 to $89 can follow. Some companies structure ongoing costs per item removed from bureau reports, such as $10 to $70 per removal of a late payment or collections listing.

Some credit repair companies in Cleveland assign customers a specific case manager or credit representative. Others can get general support by phone, email or through chat features on the company’s website.

Credit repair companies are prohibited from making guarantees or requiring payments prior to performing service. The Federal Trade Commission advises consumers to look out for deceptive or fraudulent credit repair companies. They recommend avoiding any organization that asks for a large fee in advance, suggests you assume an alternate identity or states they will contest all derogatory information in your credit history regardless of validity.

Lexington Law

Lexington Law

Lexington Law has helped more than one million customers since 1991 and maintains “experienced attorneys and paralegals trained in consumer protection laws.” Thomas T. Mullen & Company is their local of counsel office in Fairlawn, roughly 30 miles south of Cleveland. Positive local reviews state they were responsive and kept clients up-to-date on progress.

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The Credit People

The Credit People

CALL THE CREDIT PEOPLE

(877) 696-3650 VISIT THE CREDIT PEOPLE

With no hidden fees or added costs, The Credit People provides affordable services for those with low credit. Their trained and certified representatives have processed over 310,000 unique credit reports. Customers appreciate the quick and painless process.

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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

Sky Blue Credit Repair heavily promotes their “Your Sky Blue Portal” that allows each client easy access to see the progress of their account. Customer feedback in Cleveland praises their excellent service, honesty and straight-forward approach.

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The Credit Pros

The Credit Pros

CALL THE CREDIT PROS

(844) 441-1397 VISIT THE CREDIT PROS

The Credit Pros market themselves as being an educator for consumers that employs the latest financial technology to improve the credit of their customers. With many positive reviews from Cleveland area clients, several said they began to see credit score improvement by the second month of service.

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