Credit Repair Companies in Atlanta

Top Credit Repair in
Atlanta

The presence of errors in consumer reports contributes to low scores. Consumers can choose to order reports and check for any inaccuracies and then challenge the CRBs by writing letters or using their electronic dispute systems.

A more convenient way to fix nonfactual entries involves hiring credit repair companies in Atlanta. Without the market experience, finding the most trusted providers for legal Atlanta credit repair may be taxing. Fortunately, the FCRA defines how reputable companies should operate. Established providers also accumulate thousands of customers and reviews.

Reputation

The reputation tells us whether customers can trust the brand to deliver on its core mandate.

Industry Expertise & Reliability

Our experts analyze metrics about the number of disputes filed and consider the complaints brought by customers.

Technology & Tools

We check if the brands have modern websites, functional user portals, and mobile apps.

Range of Features

Our experts consider whether the firm offers creditor interventions, debt validation, report tracking, etc.

Affordability

The firm should not be charging above industry rates, and packages must be affordable for all customers.

Best credit repair companies in Atlanta

The state of Georgia is very strict on companies that can offer legal credit repair. That’s why some national repair firms may not be offering services for Atlanta residents. Here are some of the companies that have expressed a willingness to serve customers from the city:

Sky Blue Credit Repair

Best money-back guarantee & features
sky blue credit repair Sign up
Highlights
  • No obligation 90-day money-back guarantee
  • Many extra repair services at no cost
  • Friendly & locally-based customer support
  • Intuitive credit repair system
  • Simple pricing
Score
4
  • Trust5
  • Technology2
  • Affordability4
  • Features5
  • Total Score4
Score
4
  • Market Experience: 32 years
  • Service Guarantee: Yes
  • Free Consultation: Yes
  • BBB Rating: A+
  • Costs: $79
  • Main Office: Boca Raton, Florida
Pros
  • Pro analysis to find hard-to-spot credit disputes
  • Customized dispute letters
  • No questions asked, money-back promise
  • Plenty of extra services
  • Straightforward pricing one package
  • A 35-day disputing cycle, which is regarded as fast
Cons
  • Disputes limited to 15 per month
  • Don’t credit monitoring services

Sky Blue is one of the most recognized brands for the best credit repair in Atlanta. The company stands out because of its simple pricing at $79/month. Consumers can track their progress through their feature-rich portal. They also offer a great selection of value-added services such as credit score repair guidance and Statue Of Limitation research.

Lexington Law

Best Overall
lexington law Sign up
Highlights
  • The #1 credit repair app
  • Over 17 years of experience
  • Lawyer-driven process
  • Over 56 million negative items removed since 2004
  • Lots of positive reviews
  • Over 500,000 users
Score
4.8
  • Trust5
  • Technology5
  • Affordability4
  • Features5
  • Total Score4.8
Score
4.8
  • Market Experience: 17 years
  • Service Guarantee: No
  • Free Consultation: Yes
  • BBB Rating: C
  • Costs: $89.85 – $129.95
  • Main Office: North Salt Lake, Utah
Pros
  • Intuitive credit repair mobile app
  • The lawyer-driven credit repair process
  • Military, veteran, and couple discounts
  • Help from a team of paralegals
  • Comprehensive credit repair resources
  • Highly rated, trusted, and transparent
Cons
  • Complains about the billing process
  • No explicit communication on when to stop subscribing
  • No service guarantee
  • Currently, involved in a consumer protection lawsuit

The firm facilitates a lawyer-driven process, making it legal under Georgia Consumer Protection laws. Customers can track the status of cases and score changes through their top-ranked app. A team of paralegals will be on hand to handle any queries. Services range from $90 to $130 per month, but there are no results guarantees.

Creditrepair.com

Best tech & reporting
CreditRepair.com Sign up
Highlights
  • Modern mobile apps
  • TransUnion credit monitoring
  • Progress tracking with text, app & email alerts
  • Affordable plans
  • ID protection & insurance
Score
4
  • Trust4
  • Technology4
  • Affordability4
  • Features4
  • Total Score4
Score
4
  • Market Experience: 9 years
  • Service Guarantee: No
  • Free Consultation: Yes
  • BBB Rating: D
  • Costs: $69.95 - $119.95
  • Main Office: West Valley City, UT
Pros
  • Quick and free online credit evaluation
  • Comprehensive credit repair education, both video & text
  • Mobile apps to track removals, current challenges, and creditor inventions
  • TransUnion credit monitoring
Cons
  • No custom arguments
  • No service guarantee or refunds
  • Currently, involved in a consumer protection lawsuit

Creditrepair.com offers a detailed and comprehensive free consultation to allow Atlanta residents to learn more about the restoration features. They developed mobile applications for easier progress tracking. Their packages are also quite affordable and range from $70 to $120.

Ovation Credit Services

Best for personalized disputes & services
Ovation Credit Services Sign up
Highlights
  • Free Credit Analyst consultation
  • Established by attorneys
  • No charges for mid-term cancellations
  • Personalized dispute options
  • Fast-tracking
Score
3.8
  • Trust4
  • Technology3
  • Affordability4
  • Features4
  • Total Score3.8
Score
3.8
  • Market Experience: 45 years
  • Service Guarantee: No
  • Free Consultation: Yes
  • BBB Rating: A+
  • Costs: $79 - $109
  • Main Office: Jacksonville, Florida
Pros
  • A solid reputation and highly experienced
  • One-on-one assistance from a personal case advisor
  • Fast Track Service with no wait times
  • Discount programs for couples, referees, military, and seniors
  • Accredited with an A+ rating
Cons
  • No mobile apps
  • No refunds
  • Lacks adequate educational resources

Ovation is an attorney-founded firm and a Lending Tree subsidiary, which is the biggest online marketplace for loan products. Customers can choose from two packages going for $79 and $109 per month. As part of their extra services, they send lender recommendations, Goodwill, and debt validation letters. The initial setup fee is $89 on both packages.

Credit Glory

Highlights
Score
0
  • Trust
  • Technology
  • Affordability
  • Features
  • Total Score0
Score
0
  • Market Experience: 4 years
  • Service Guarantee: Yes
  • Free Consultation: Yes
  • BBB Rating: B+
  • Costs: $99
  • Main Office: New York, NY
Pros
  • 90-day money-back assurance
  • Numerous positive reviews
  • Trusted repair brand
  • Renowned for excellent customer service
Cons
  • Doesn’t offer full refunds
  • Not as many years of credit experience

Credit Glory strives to help people reclaim their financial freedom. The best highlights of the service encompass the free consultation, A+ BBB rating, and money-back guarantee. Customers will pay an initial setup fee of $199 and an ongoing monthly fee of $99. The site also boasts many 5-star reviews.

For a complete breakdown of each service, we recommend going over the full credit repair company reviews.

Credit Repair Services in Atlanta

Atlanta residents need to know their rights when hiring firms for credit repair in Atlanta. About a decade ago, the state introduced laws (O.C.G.A. § 16-9-59) that made repair services and score improvement services illegal unless licensed attorneys or nonprofits offer them. That means that consumers have to work with credit repair attorneys in Atlanta.

The Georgia Consumer Protection Division further recommends that residents should be cautious about credit repair firms that make false claims, such as promising to erase bad scores. Reputable firms also disclose that customers have the right to challenge inaccuracies without legal assistance. If consumers hire credit repair specialists, they should ensure that they are not billed upfront for credit repair services in Atlanta.

Using illegal techniques rarely works. Some questionable “credit restoration firms” may mislead customers into using social security numbers that don’t belong to them or applying for new employer identification numbers.

FAQ

Yes, but any entity that offers the service must not qualify as a “credit repair services organization” under Section 16-9-59 of the O.C.GA. The restriction doesn’t apply to licensed real estate brokers, broker-dealers, consumer reporting agencies, nonprofits exempt from taxation, banks, and people authorized to make loan extensions. Additionally, it’s not a requirement to seek help only from credit repair lawyers in Atlanta, GA.

The cost pivots on the selected credit repair online firm as each firm has unique packages. For example, Lexington law charges between $89 to $130 per month. The duration of service and setup fee amounts determine the ultimate bill.

Each citizen is eligible to receive a free copy of their reports from annualcreditreport.com. The CRBs now issue free weekly reports through the website as part of their Covid-19 initiative.

The firms write claims letters on behalf of the client and handle correspondence with reporting bureaus. They only challenge nonfactual items and can’t remove legitimate entries.

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