Credit Repair Companies in Philadelphia

Top Credit Repair in
Philadelphia

The average VantageScore in Pennsylvania was 689 as of 2019, and this is considered prime. There is room to improve and qualify for better rates with potential creditors. A quick strategy is to hire credit repair companies in Philadelphia to review reports and determine potential dispute items.

Alternatively, anyone can perform DIY credit repair by sending out letters or using the electronic disputing options provided by each bureau. Delegating the task is more convenient. But only do it if your budget allows it.

Credit repair agencies in Philadelphia can’t intervene in certain cases, for instance, if all entries are accurate and there are no errors to dispute.

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 for Philadelphia

The best way to find the best firm for credit repair in  Philadelphia is to consider various factors including the expenses involved, reputation, and trustability. Check out the following reviews to discover quality services:

Credit Saint

Best for reliable & trusted services
Credit Saint Sign up
Highlights
  • BBB accredited with no outstanding claims
  • Customized arguments
  • Credit rebuilding guidance
  • Unmatched 90-day Money Back Protection
  • Free credit consultation
Score
4.5
  • Trust5
  • Technology4
  • Affordability4
  • Features5
  • Total Score4.5
Score
4.5
  • Market Experience: 17 years
  • Service Guarantee: Yes
  • Free Consultation: Yes
  • BBB Rating: A
  • Costs: $79.99 - $119.99
  • Main Office: Oakland, NJ
Pros
  • Free credit evaluation
  • Score tracker and analysis in the lowest package
  • Good market reputation
  • Custom arguments and comprehensive reporting
Cons
  • High initial work fee (from $99 to $195 as per package)
  • Lacks a mobile app

With a track record of over 17 years, the firm boasts of some of the most aggressive credit cleaning services. Their challenges have a high success score because they are highly-customized. Consequently, it’s ranked as the top service by many independent reviewers. Expect to pay between $79.99 to $119.99 per month for their expert-led repair process.

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 has a stellar reputation of offering quality credit counseling and repair services. They serve most customers online, but also maintain local offices to facilitate in-person appointments. Customers pay only $99 per month, and qualify for refunds under their 90-day guarantee in case of any problems.

CreditFirm.net

Highlights
Score
0
  • Trust
  • Technology
  • Affordability
  • Features
  • Total Score0
Score
0
  • Market Experience: 23 years
  • Service Guarantee: No
  • Free Consultation: Yes
  • BBB Rating: C-
  • Costs: $49.99
  • Main Office: Corpus Christi, TX
Pros
  • Long market experience
  • Access to credit consultants & attorneys
  • Free credit repair action plan
  • Low monthly fees
Cons
  • Poor Trustpilot Rating
  • No service guarantee

For the best credit repair at an affordable price, CreditFirm.net may be an ideal choice. The company has licensed attorneys on staff and credit experts who work on a one-to-one basis with customers. Subscription fees are quite affordable at only $49.99 per month. Their packages offer unlimited challenges, inquiry targeting, and Goodwill interventions with a promise of no hidden fees. The best way to start is to order their free consultation.

Lexington Law

Best for Attorney-backed Repair
lexington law Sign up
Highlights
  • The #1 credit repair app
  • Over 17 years of experience
  • 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
  • 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

For a credit repair lawyer in Philadelphia, you can consider the services of Lexington Law. It has the number one repair app with an average rating of 4.7 out of 5. Millions of people have benefitted from their attorney-led repair services for 17 years and counting. Cumulatively, they have filed over 70 million challenges.

A team of paralegals works on a one-to-one basis with customers, and consumer protection attorneys are on standby to help resolve complex cases. There are three membership packages going from $89.85 to $129.95.

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
4.3
  • Trust4
  • Technology5
  • Affordability4
  • Features4
  • Total Score4.3
Score
4.3
  • 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

Hundreds of thousands of customers have turned to creditrepair.com for professional repair services with a friendly touch. It’s one of the most-tech forward firms, with customers accessing most account features through their mobile devices or online portals. Their most popular package goes for $99.95 and includes FICO® Score Inquiry Assist.

Allen & Allen, Inc

Allen and Allen

Allen & Allen is a professional and bonded company for locally-based credit repair specialists in Philadelphia. As a nationwide service, the firm also serves clients from all over the country. They provide a DIY self-help computer program for customers who want to fix their credit themselves but with professional intervention.

Credit Repair Services in Philadelphia

The pressure to repair credit score quickly is an emotional trigger that scammers can use to execute their fraud successfully. It’s essential to slow down and question everything a prospective company says or advertises.

When searching for a firm for credit repair in Philadelphia, consider the following pointers to spot a scam:

FAQ

Yes, it is legal, but services offering Credit repair in Philadelphia PA must adhere to the provisions of the CROA. It prohibits repair services from questionable practices such as demanding upfront payments, failing to make the required disclosures, or making false statements. The Commonwealth of Pennsylvania further requires reputable repair organizations to pay a $5,000 surety bond.

Monthly expenses for professional credit cleaning services range from $50 to $130. There is an initial review fee that goes into the costs of pulling reports and preparing the first round of disputes. It’s charged after the first 5 to 15 days. Billing for monthly services is usually at the end of the month.

The services are highly effective if there are inaccuracies to challenge, and the customer can supply supporting evidence. Most services also help clients negotiate for Goodwill removals.

Need help choosing a credit repair company in Philadelphia?

Credit repair in other cities