Credit repair companies in Seattle

Top Credit Repair in

Is your credit score tarnished by flawed reporting? Any bureau (Experian, Equifax, or TransUnion) can accumulate skewed data, but credit repair in Seattle is here to help you set the record straight. Let experienced professionals protect your rights under the Fair Credit Reporting Act. They will find, prove, and rectify inconsistencies on your behalf, while you monitor their progress online.

These services help millions of Americans qualify for auto and home loans with lower interest rates, rent the best apartments, and even get superior insurance and employment options. Do not let false delinquencies hurt your creditworthiness. Discover trusted experts below.


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.


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

Best Credit Repair Companies in Seattle, WA

For the average consumer, finding a reputable firm is hard. Top providers follow the Credit Repair Organizations Act to the letter and offer a comprehensive package of services. Here are six well-established names in credit repair in Seattle WA.

Lexington Law

Best Overall
lexington law Sign up
  • 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
  • Trust5
  • Technology5
  • Affordability4
  • Features5
  • Total Score4.8
  • Market Experience: 17 years
  • Service Guarantee: No
  • Free Consultation: Yes
  • BBB Rating: C
  • Costs: $89.85 – $129.95
  • Main Office: North Salt Lake, Utah
  • 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
  • Complains about the billing process
  • No explicit communication on when to stop subscribing
  • No service guarantee
  • Currently, involved in a consumer protection lawsuit

This Utah-based firm uses legal expertise and advanced technology to fix scores across the country. Since its establishment in 2004, it has helped 500,000+ consumers and achieved 56+ million removals in total, including credit repair in east Seattle WA. New clients get a free score, report summary and recommendations. The tiered service model ensures flexibility. From basic repair to identity theft protection, Lexington Law has you covered.

Credit Saint

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

This nationwide provider offers a free consultation, three levels of repair, a 90-day money-back guarantee, and more. It is one of the few firms accredited and rated highly by the BBB (A+). The basic package costs just $79.99 per month, and progress is easy to monitor via a private online dashboard. In addition to raising the score, Credit Saint offers proven techniques for budgeting and managing new debt.

Phone: 1-877-637-2673

Hours: Monday to Friday 9 AM-10 PM, Saturday 10 AM–6 PM, Sunday 12–8 PM

Ovation Credit Services

Best for personalized disputes & services
Ovation Credit Services Sign up
  • Free Credit Analyst consultation
  • Established by attorneys
  • No charges for mid-term cancellations
  • Personalized dispute options
  • Fast-tracking
  • Trust4
  • Technology3
  • Affordability4
  • Features4
  • Total Score3.8
  • Market Experience: 45 years
  • Service Guarantee: No
  • Free Consultation: Yes
  • BBB Rating: A+
  • Costs: $79 - $109
  • Main Office: Jacksonville, Florida
  • 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
  • No mobile apps
  • No refunds
  • Lacks adequate educational resources

This Jacksonville-based firm with a top A+ BBB rating offers personalized credit repair services in Seattle, as every client receives one-on-one guidance from a case advisor. It uses an innovative disputing system, provides same-day service, and offers a range of digital tools for monitoring and budgeting. Ovation Credit Services has corrected 1+ million profiles with 19 improvements per customer on average. Prices start from only $79 per month.

Phone: 866-639-3426

Hours: Monday-Friday: 8 AM-9 PM, Saturday: 10 AM-4 PM

Adulting Credit LLC

This active member of the Credit Consultants Association provides a free 20-minute phone consultation, repair, education, and other bonuses, including a custom audit PDF. Over 90% of clients gain 10+ points in the first 35 days, and there is a money-back guarantee for the 6-month plan. The experts lay out the path to great credit that their clients can follow on their own.


Local credit repair specialists offer a free consultation, unlimited deletions, convenient online tracking, and a 100% money-back guarantee. The firm boasts an excellent A+ rating with stellar reviews on BBB, and it has also been featured on Fox News. Advanced coaching is included. Mortgage loan prequalification helps clients get a free Down Payment Assistance Grant. The company has tailored pricing, as costs depend on a customized plan of action.

Symmes Law Group, PLLC

For this firm, Seattle credit repair is one of many practice areas — its lawyers handle various issues from consumer bankruptcy to real estate sales. New clients get a free repair consultation and a tailored plan of action. Aside from initiating disputes, the company audits the lenders and collectors involved, sending estoppel letters and FTC complaints to institutions violating the FCRA. You can also get a “DIY” online course.

Credit Repair Services in Seattle

Based on the FCRA, the companies repair credit scores by challenging the contents of your borrowing history — wrong amounts and events, from skipped payments to bankruptcies. Eradicating negative tradelines is vital, as they prevent access to affordable borrowing, renting, and insurance. All items on your report affect the score, but bureaus are obliged to delete their errors.

Millions of Americans choose delegated repair over DIY guides. Restoration experts accelerate boosting, as they leverage expertise and advanced technologies to achieve superior results. The best credit repair in Seattle involves a multilayered procedure that may be daunting to the average consumer.

After reviewing the reports, your credit lawyer will draw up a customized action plan based on the errors and their influence. For example, issues related to late payments are the most damaging, as they affect 35% of FICO and 40% of VantageScore. While additional services vary, removal is stipulated by the Fair Credit Reporting Act. Credit repair in Seattle includes four key stages:

  1. Collection of your data from all three bureaus;
  2. Line-by-line analysis to find disputable items;
  3. Preparation of evidence;
  4. Challenging the errors formally using customized dispute letters.

After the errors are removed, your score will rise. The bureau will also send you a free copy of the amended report. Note that every claim is investigated for 30-45 days.


Yes, the industry is regulated by the Credit Repair Organizations Act, and disputes are filed in compliance with the Fair Credit Reporting Act. These services are provided in all 50 states. Consumers are also free to delegate repair to a credit expert or attorney.

The rates range between $79 and $129 a month on average. Most credit repair companies in Seattle WA use fixed pricing. This usually includes a “set up” or “review” fee and a recurring charge based on the billing period. Typically, repair takes between two and six months depending on the number of errors.

Repair includes four stages of work: initial consultation, analysis of credit reports, evidence collection, and formal disputes. Any unverifiable information must be deleted in compliance with the FCRA.

The providers remove inaccurate amounts, false events, and other unsubstantiated derogatory items. Many of them offer useful add-ons and educate clients on ways to maintain and improve their scores on their own.

Need help choosing a credit repair company in Seattle?