Best Credit Repair Companies in Georgia

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Author : Chris Morgan
Updated on : August 30th, 2021

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If you just did a Google search for “best credit repair companies near me” and simply want our number one recommendation, then here you go: Credit Saint. They have a 90-day money-back guarantee, an A+ rating from the Better Business Bureau, and great customer service. This makes Credit Saint our top pick.

Georgia is a state with a long and varied history, as it was the last of the original 13 colonies. Today, Georgia is known for being the birthplace of Coca-Cola, country music, and of course, delicious peaches.

The largest, most well-known city in Georgia is Atlanta, which is also the state capital. Though Atlanta isn’t considered very populous (2019 population: 488,800), it is a city of hustle and bustle. Notably, Atlanta is in the top 10 in real GDP among US cities, and the Hartsfield-Jackson Atlanta International Airport is one of the busiest airports in the entire world.

Despite Atlanta’s thriving economy, its residents could be doing better when it comes to credit scores. The following numbers come from a 2019 report by Experian, which described millennials (ages 24-39) living in Georgia:

  • The average millennial’s FICO Score in the Atlanta-Sandy Springs-Marietta metro area is 656. On average, they are in $75,965 of debt.
  • The average millennial’s FICO score in rural Georgia is 621. On average, they are in $52,935 of debt.

Though urban millennials are doing better than their rural counterparts, both numbers leave a lot to be desired. For comparison, Experian found that the average credit score among millennials is 668. 

Based on another 2020 report by Experian, the average FICO Score among all Georgians is 689. This is significantly lower than the national average of 711.

What are the consequences of having a poor credit score? To illustrate this, suppose you are living in Atlanta and want to buy a home soon. According to recent data from Zillow, the average home in Atlanta costs $342,700.

Assuming you put 20% down and take out a 30 year mortgage for $274,160. Depending on your credit score, your mortgage could look like the following:

  • An excellent credit score may qualify you for a 3% interest rate. Your monthly payment would be $1,156, and your total mortgage would cost $416,113.
  • A poor credit score may qualify you for a 5% interest rate. Your monthly payment would be $1,472, and your total mortgage would cost $529,830.

As you can see, a better credit score could save you over $300 monthly, and over $100,000 across the lifetime of your mortgage.

If you live in Georgia and have a poor credit score, credit repair can help you get back on track. However, with so many repair agencies out there, it can be difficult knowing which ones to trust.

In this article, we’ll introduce 13 credit repair companies in Georgia that are reliable and efficient. Any Georgian looking for credit repair should begin their research with this list.

Is Credit Repair Legal In Georgia?

Yes, credit repair is legal in Georgia. However, be sure that you avoid shady companies who make lofty promises and claim they can remove all negative items from your report, even if accurate. According to Georgia’s Consumer Protection Division, it is a misdemeanor to operate a credit repair company that does this.

Also note that all credit repair companies in the US must abide by the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). Under these laws, companies cannot demand advance payments or make agreements that aren’t in writing.

How Does Credit Repair In Georgia Work?

In Georgia, typical credit repair companies will follow this three-step process:

  • Free consultation: A representative will go over your credit report with you and discuss how their services can help improve your score.
  • Dispute errors on your behalf: The company will then create a plan to dispute each error on your report, and send dispute letters to the three major credit bureaus.
  • Recommendations going forward: The company may provide credit counseling services during or after credit repair, designed to help you maintain good credit moving forward.

For more details about how credit repair companies work, check out this article.

Best Credit Repair Services In Georgia

In this section, we’ll introduce the three best credit repair services for residents of Georgia. All three of these companies have a strong online presence, so it’s very easy to get in contact with them.

Lexington Law

Lexington Law Logo

Lexington Law is one of our top recommendations for credit repair in Georgia. Since 2004, they have impressively written over 220 million dispute letters on behalf of their clients.

One of Lexington Law’s biggest pros is their affordable pricing. Their fees include a monthly subscription fee, but unlike many other firms, they do not charge an initial setup fee. This makes Lexington Law a great option if you’re on a budget.

Lexington Law is also very transparent about their staff. They display each staff member’s profile publicly on their website. In addition, we like that each staff member has some legal experience, either through a law degree from university or past paralegal experience. 

We also recommend Lexington Law because of the following:

  • Experience & Popularity
  • Reasonable Pricing
  • Offers Mobile App
  • Free Resources On General Credit Improvement
  • Flexible Customer Service Hours

For more details, read our full review of Lexington Law.

Credit Glory

Credit Glory Logo

Credit Glory is another very popular online-based credit repair agency. Each month, they help their clients successfully remove over 30,000 negative reporting errors.

Credit Glory offers a decent refund policy. They are confident that their services can deliver results, so if they are unable to remove any inaccurate items in 90 days, you’ll receive a full refund (less $100 of your setup fee). This is better than many other repair agencies out there.

In addition, we love Credit Glory’s huge catalog of resources and articles designed to educate clients about credit. In their resources tab, you’ll find sample dispute letters, a list of credit cards and unions, and general credit education tidbits.

We also recommend Credit Glory because of the following:

  • Experience & Popularity
  • Transparent, Reasonable Pricing
  • Good Reviews on BBB
  • Flexible Customer Service Hours, Including Weekends

Credit Assistance Network

Credit Assistance Network Logo

Credit Assistance Network is our third recommendation for credit repair in Georgia. They have been in business since 2004 and have helped clients nationwide improve their scores.

Credit Assistance Network doesn’t charge a monthly subscription fee like most other companies. Instead, after your free consultation, you pay per successful dispute.

This has its pros and cons. For instance, if you have many items to dispute, you may not want to choose Credit Assistance Network, as costs could grow outside your budget quickly. On the other hand, this also provides you with the assurance of knowing that you won’t be charged unless you see a successful removal.

We also recommend Credit Assistance Network because of the following:

  • Experience & Popularity
  • 1 on 1 Credit Building Coaching
  • Settlement Offer Assistance

Credit Repair Offices Near Me In Georgia

Lexington Law, Credit Glory, and Credit Assistance Network are great credit repair agencies that we recommend to all Georgians. However, you might prefer going to a local office for credit repair over an online-based service. Our next 10 recommendations are legitimate credit repair agencies in the Atlanta, Macon, and Albany areas.

American Consumer Credit Counseling (ACCC) / (Atlanta)

American Consumer Credit Counseling Logo

American Consumer Credit Counseling (ACCC), known online as, is an agency of credit counseling professionals based in Atlanta, just a few blocks from the World of Coca-Cola. Among 80 Google reviews, they have a perfect 5 out of 5 rating.

ACCC is better classified as a credit counseling firm rather than a credit repair firm. This means that they primarily provide services designed to teach you how to build up your own credit, rather than focus on disputing negative errors.

Because of this, ACCC offers a variety of services related to credit, including bankruptcy counseling, mortgage counseling, and debt management programs. They are a great option to consider if you want to re-evaluate multiple aspects of your financial life.

Contact Information:

  • Address: 260 Peachtree St NW Suite 2200, Atlanta, GA 30303
  • Phone: (800) 739-3571
  • Email:

BKH Credit Group (Atlanta)

BKH Credit Group Logo

BKH Credit Group is a credit repair agency based in Atlanta. Among 85 Google reviews, they have an average rating of 4.9 out of 5.

BKH Credit Group’s credit restoration program features steps which closely mirror the three general steps we laid out earlier. Apart from credit repair, BKH Credit Group also offers solutions for student loan relief, which is great for those struggling with those payments.

If you own a small business, BKH Credit Group can also help with building business credit and providing funding. Their programs come with live virtual coaching designed to get your business started on the right foot.

Contact Information:

  • Address: 1870 The Exchange Suite #100, Atlanta, GA 30339
  • Phone: (800) 979-4828
  • Email:

Credit Angels (Macon)

Credit Angels Logo

Credit Angels LLC is a credit repair and financial consulting firm based in Macon. While they don’t have many online reviews, the one Google review that they do have rated them a perfect 5 out of 5.

Credit Angels calls their repair service “Credit Consulting,” but they follow the typical three-step repair process we mentioned earlier. After one disputing cycle (typically 30-45 days), Credit Angels claims you’ll already begin to see results.

Credit Angels also offers tax preparation services. This can be useful if you have a particularly confusing tax situation (such as owning a business), or if you just want to make sure you’re maximizing your refund.

Contact Information:

  • Address: 1230 Hardeman Ave, Macon, GA 31201
  • Phone: (478) 305-7131
  • Email:

Credit Repair Lawyers of America (Atlanta)

Credit Repair Lawyers of America Logo

Credit Repair Lawyers of America is a law firm that has been repairing credit reports since 2008. Among 59 Google reviews, they have an average rating of 4.2 out of 5.

Under their simple tagline “Sue, Settle, Smile,” Credit Repair Lawyers of America not only offers credit repair, but can also help stop credit bureau and debt collector calls on your behalf. Their “No Out of Pocket Litigation” program promises you settlement funds if they are able to successfully sue a creditor or debt collector.

However, costs for Credit Repair Lawyers of America aren’t cheap. Historically, they claim that each client has spent around $4,000 per case. The trade-off is that you get excellent service, and bureaus and debt collectors are unlikely to ever come and bother you again.

Contact Information:

  • Address: 3355 Lenox Rd NE #750, Atlanta, GA 30326
  • Phone: (404) 591-6680
  • Email:

The Credit Redeemer (Albany)

The Credit Redeemer Logo

The Credit Redeemer is a small local credit repair business in Albany. Among 14 Google reviews, they have a perfect 5 out of 5 rating.

The Credit Redeemer offers standard credit repair services to all their clients. During the repair process, they offer weekly education intended to teach you how to continue raising your credit score.

The rates for Credit Redeemer are a little on the high side, but definitely worth it if you need credit repair. We also like that they are fully transparent about all their pricing and do not have a custom pricing model like many other local firms.

Contact Information:

  • Address: 1708 Gillionville Rd Suite B, Albany, GA 31707
  • Phone: (800) 843-2303
  • Email:

The Eimreht Firm (Atlanta)

The Eimreht Firm Logo

The Eimreht Firm was considered a top credit counseling agency in Atlanta in 2019. Among 17 Google reviews, they have an average rating of 4.7 out of 5.

The Eimreht Firm claims that over 6 months, their average client sees a total credit score increase of 250 points across all three bureaus. That averages to 83 points per bureau, which is excellent!

During their repair process, they will also give you an in-depth education about your credit to prepare you for the future. Additionally, The Eimhert Firm offers their own book about credit repair called “Antidote 2 Credit Repair,” which is another great resource.

Contact Information:

  • Address: 2133 Lawrenceville-Suwanee Rd Ste 12-467
  • Phone: (833) 261-5777
  • Email:

The Financial Paramedic (Atlanta)

The Financial Paramedic Logo

The Financial Paramedic is a credit repair agency that serves all local Georgia residents. Among 59 Google reviews, they have a perfect 5 out of 5 rating.

Their main service, like most of the other recommendations, is credit repair. Many customer testimonials have pointed to score increases of over 100 points, and accrediting that to The Financial Paramedic.

Other financial services offered include tax preparation and real estate investing. For the latter, The Financial Paramedic offers programs that allow you to learn how to invest in real estate, and potentially earn money doing so.

Contact Information:

  • Address: 5306 Snapfinger Woods Dr Ste 109, Decatur, GA 30032
  • Phone: (404) 993-4233
  • Email:

Galleria Credit Repair (Atlanta)

Galleria Credit Repair Logo

Galleria Credit Repair is an agency with over 10 years of experience disputing credit reporting errors. Among 45 Google reviews, they have an average rating of 4.2 out of 5.

Galleria offers three levels of credit repair, including Premium, Diamond, and VIP Bankruptcy repair. If you have serious bankruptcy errors on your report, then their VIP program is best for you.

If you choose Galleria, do watch out for certain fields on their signup form. We are heavily against fields directly asking for your full SSN, as well as Credit Karma and Experian passwords. They are marked as optional, so please leave them blank, and never give out sensitive information in any online form.

Contact Information:

  • Address: 400 Galleria Parkway Suite 1500, Atlanta, GA 30339
  • Phone: (470) 391-0303

MyMoneyEDU (Atlanta)

MyMoneyEDU Logo

MyMoneyEDU is an online financial education services company headquartered in Atlanta. Among 43 Google reviews, they have an average rating of 4.4 out of 5.

As their name suggests, MyMoneyEDU is technically not a credit repair agency, but instead teaches you how to build better credit yourself. These services can be more comprehensive than credit repair because you learn more about all aspects of your financial life.

For instance, MyMoneyEDU has modules on lowering taxes, improving credit, eliminating debt, and money management. Upon completing the program, many members have seen huge credit score increases, with some saying they went from the 500s all the way up to the 700s.

Contact Information:

  • Address: 1100 Peachtree St NE, Atlanta, GA 30309
  • Phone: (800) 835-0863
  • Email:

R.R.R Finances LLC (Atlanta)

RRR Finances LLC Logo

R.R.R Finances LLC is a credit repair service based in Atlanta. Among 73 Google reviews, they have a perfect 5 out of 5 rating.

R.R.R offers a full credit restoration package that includes a 25 minute consultation, weekly positive affirmations, and monthly updates into your case. Pricing is very affordable, with monthly fees of $69 and a one-time setup fee of $99.

In addition, R.R.R offers ways for you to immediately begin building positive credit. You can sign up for their Credit Builder Secured Credit Card, as well as report past rent payments on your report via Rent Reporters.

Contact Information:

  • Address: 400 W Peachtree St NW #4, Atlanta, GA 30308
  • Phone: (404) 902-3733

Which Office Should I Pick?

With these 13 recommendations, you might be unsure which company is the best for you. For starters, using the free consultation to learn more about each company and their pricing can help you narrow down your choices.

In addition, if you prefer a local office, consider the location. Some people prefer a closer office for convenience. Others may prefer traveling further away, in order to possibly avoid running into an acquaintance while discussing a sensitive topic like credit.

How Do I Tell If A Credit Repair Service Is Legitimate?

Regardless of which of our 13 recommendations you go with, you can be assured that all of them are legitimate credit repair operations. However, if you decide to do your own research, make sure your company has all the following characteristics:

  • Verifiable Physical Address
  • Proven Track Record (5+ Years in Business Preferred)
  • No Lofty Promises Unless Made in Writing
  • Transparent Pricing Provided Through Website or Free Consultation

Is It Worth Hiring Someone To Fix Your Credit?

On average, you might be expected to spend around $1,000 for about 6 months of credit repair in Georgia. To many, this can seem like a heavy expense.

Is it worth spending that much for credit repair? Considering that you may save thousands of dollars on bigger loans with a better score, credit repair is definitely worth it in the long run.

Of course, it’s entirely possible to fix your credit score yourself, and we have an entire article dedicated to that. However, it can be hard knowing what items to target without professional guidance.

How Long Does It Take To See Results?

As we’ve mentioned, it usually takes around 6 months of active credit repair to see the full extent of results. To illustrate this, consider the following review of Lexington Law from Consumer Affairs by Dawn:


My personal credit keeping me from buying a home. I signed up with them and my credit score after seven months has improved by 83 points on my FICO score which I am able to buy a home. Thank you so much.

Know that credit repair won’t magically fix your score overnight. Dawn spent seven months with Lexington Law for a total score increase of 83 points, which is pretty standard. Because of this increase, she was able to qualify for a home loan.

What Else Can I Do To Improve My Score?

A good credit repair company will handle all aspects of disputing errors on your behalf. However, there are still some things you can do on your end to boost your score.

Perhaps the most important thing is simply to learn about credit. If your company offers educational resources, that’s great! Otherwise, there are many great resources out there, including our articles at Credit Help Info.

Another thing is to continue paying down your loans. Building positive credit is a must. If you need a leg up with credit building, you could also consider purchasing a tradeline, which we discuss more about in this article.

Conclusion and Next Steps

In this article, we’ve shared 13 top recommendations for credit repair in Georgia. If you’re looking to hire a credit repair company, add these companies to your considerations.

In particular, consider reaching out to Lexington Law and signing up for a free consultation. This will help you get a better understanding of your credit and is the first major step towards improving it.

When doing research, Credit Help Info relies on credible and authoritative sites. These research sources are provided so that you can see exactly where we get our information.

About the Author

Chris Morgan

Chris Morgan is a credit expert and founder of Credit Help Info. He has been featured in Addition Financial, GOBankingRates, MSN Money, Yahoo Finance, and many other publications. He has read hundreds of books and resources on finance and the credit industry. Because he did this, you don’t have to. As a school teacher for over 20 years, Chris enjoys taking complicated material and breaking it down into manageable information that’s easy to understand.

Learn more about Chris Morgan

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