Best Credit Repair Companies in Las Vegas
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You most likely did a Google search for “best credit repair companies near me” and landed here. If you simply want our number one pick, then it’s Credit Saint. With a 90-day money-back guarantee, an A+ rating from the BBB, and fast customer service, Credit Saint comes in at #1.
Las Vegas is best-known as one of the gambling capitals of the world. Each year, tourists flock to the world-renowned Las Vegas strip for nightlife and entertainment.
However, Las Vegas isn’t just a city for play. While the city saw over 42 million visitors in 2019, some 600,000 residents today call Las Vegas their home.
How does Las Vegas stack up in terms of average credit scores? Unfortunately, the numbers paint a rather grim picture:
- In 2016, Vegas Inc reported about a Wallethub report, stating that Las Vegas residents have some of the worst credit scores in the country. The average credit score in Las Vegas was 632.83, which was in the 9th percentile out of 2,570 US cities surveyed.
- There’s no doubt that Las Vegas pulls down the average credit score in Nevada as a whole. According to 2020 data from Experian, Nevada’s average FICO credit score is 695, a significant amount lower than the national average of 711.
A bad credit score can affect you in many other areas of your financial life. For example, suppose you wanted to settle down and buy a home around the Las Vegas area. According to the most recent figures from Zillow, the average home price in Las Vegas is $354,111.
Suppose you put 20% down on the average home. You take out a 30-year mortgage for $283,288.80. Depending on your credit score, your monthly payments may look like the following:
- If you have an excellent credit score, you may qualify for a 3% interest rate. Your monthly payment would be $1,194, and your total mortgage would cost $429,969.
- If you have a fair credit score, you may qualify for a 5% interest rate. Your monthly payment would be $1,521, and your total mortgage would cost $547,472.
A fair credit score would be in the 580-650 range, while an excellent credit score is generally anywhere above 780. As you can see, a significant increase in your credit score could save you well over $100,000 on a home in Las Vegas.
If you have a poor credit score, don’t worry. It’s possible to fix a bad credit score, and it’s not by gambling away your life savings at a Vegas casino! Credit repair is a very practical and viable option for Las Vegas residents to boost their scores.
In this article, we’ll recommend 13 credit repair companies that are trustworthy and produce results. If you are in Las Vegas and in need of credit repair, be sure to consult our list and choose an agency that’s best suited for you.
Is Credit Repair Legal In Las Vegas?
Yes, credit repair is legal in Las Vegas. However, according to the State of Nevada Department of Business & Industry, a credit service organization must register with the Division of Mortgage Lending before doing business.
In general, credit repair companies in the US must follow the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). These acts make it illegal for companies to demand advance payments and make agreements that aren’t in writing.
How Does Credit Repair In Las Vegas Work?
Credit repair companies in Las Vegas will usually follow this three-step process:
- Free consultation: A representative will schedule a time with you to go over your credit report and introduce their services.
- Dispute errors on your behalf: If you decide to continue with paid services, the company will then dispute errors on your report by writing custom letters to the three major credit bureaus.
- Recommendations going forward: During or after the credit repair process, the company may provide educational resources or guidance on how to continue building positive credit.
We cover more about how credit repair companies work in this article.
Best Credit Repair Services In Las Vegas
To start off our list of the best credit repair services for Las Vegas residents, here are three online-based companies with proven track records. We recommend reaching out to them first due to their convenience and effectiveness.
Credit Saint is one of the most well-known companies in the credit repair space, and for good reason. They have successfully helped many of their clients increase their credit scores by 50, 100, and sometimes more.
One of Credit Saint’s most attractive features is their 90 day money-back guarantee. Since they dispute errors in 45 day cycles, this means you have two full cycles to try out their services and request a refund if you don’t see results.
Though they do offer the money-back guarantee, it’s rare that clients have to resort to that, since Credit Saint truly does get results. As a testament to their services, they are BBB-accredited, having achieved a BBB-rating of A or higher since 2007.
We also recommend Credit Saint because of the following:
- Reasonable Prices
- Flexible Cancellation
- Efficient and Transparent 45 Day Dispute Cycles
- Private Dashboard
- Highly Rated on BBB, Good Track Record
- No Fees When Requesting Credit Reports
Learn more about Credit Saint’s services in our full review.
Lexington Law is also one of the best credit repair companies for Las Vegas residents. Since 2004, they have sent over 220 million dispute letters to credit bureaus on behalf of their clients.
Lexington Law’s competitive advantage comes from their staff. Their credit repair professionals all have some sort of legal background, whether it’s previous experience as a paralegal, or a law degree from university. We like that they display their staff profiles publicly on their website for anyone to see.
While Lexington Law does not offer a refund policy like Credit Saint, their prices are very attractive. Notably, they do not have an initial setup fee which is common for most credit repair companies. If you’re on a tight budget, Lexington Law may be the best choice.
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
We go into detail about all of these points in our full review of Lexington Law.
CreditRepair.com is another highly effective credit repair agency to consider. Since 2007, they have successfully helped clients dispute over 1.8 million credit report errors.
Apart from their credit repair services, they also have a strong emphasis on credit education. On their website, the Credit Education tab contains a plethora of resources about all things credit. As CreditRepair.com fixes your credit, following these resources will help further boost your score.
We also recommend CreditRepair.com because of the following:
- Ongoing Credit Education and Support
- Simple Process: Check, Challenge, Change.
- Reasonable Pricing
- Offers Mobile App
Credit Repair Offices Near Me In Las Vegas
The three recommendations above are a good starting point for Las Vegas residents looking for credit repair. However, you may prefer going to a local office in person. If this is you, here are 10 local offices in Las Vegas, Reno, and Henderson that you can consider.
Credit Repair Solutions (Reno)
Credit Repair Solutions is an agency based in Reno. Among 29 Google reviews, they have an average rating of 4.8 out of 5.
Their tagline, “better credit opens more doors,” could not be a better way to sum up the benefits of their credit repair. According to their website, Credit Repair Solutions clients can start seeing results in as little as 45 to 60 days.
In addition to credit repair, they also have a focus on credit education. Credit Repair Solutions believes that knowledge is power, and by empowering their clients to learn about their own credit, they’ll be able to see better results.
- Address: 1000 Bible Way Unit 71, Reno, NV 89502
- Phone: (775) 600-7614
- Email: email@example.com
Credit Restoration of Nevada (Henderson)
Credit Restoration of Nevada is a repair agency dedicated to serving residents of Nevada. Among 21 Google reviews, they have an average rating of 4.7 out of 5.
Harry Jacobs, the founder of Credit Restoration of Nevada, is considered an expert on credit. He has appeared as a credit expert on multiple networks including FOX 5, and hosts a podcast called The Credit Show. He personally handles many of the cases.
Apart from regular credit repair services, Credit Restoration of Nevada can help you lower the interest rates on some of your outstanding loans. This is particularly attractive for those with lots of debt in addition to errors on their credit reports.
- Address: 2580 St. Rose Parkway, Suite 330, Henderson, NV 89074
- Phone: (702) 778-2000
eCreditAdvisor is a credit counseling service based in Henderson. Among 92 Google reviews, they have an average rating of 4.7 out of 5.
The end goal of eCreditAdvisor is to help clients secure a home loan. Their credit repair services feature a “Mortgage Ready” checklist, which ensures you’re ready for a loan by the time you complete their program.
Also, eCreditAdvisor has access to a network of over 10,000 loan officers and real estate agents. Those looking to purchase a home soon can benefit from this extensive partner network.
- Address: 2004 W Sunset Rd, Henderson, NV 89014
- Phone: (800) 693-9622
- Email: firstname.lastname@example.org
Fast Credit Solutions (Las Vegas)
Fast Credit Solutions is a credit repair company in Las Vegas. Among 57 Google reviews, they have an average rating of 4.7 out of 5.
While their website appears slightly outdated, Fast Credit Solutions does deliver results. They live up to their name by claiming that many of their clients begin seeing results in as little as 30 to 45 days.
We don’t like that Fast Credit Solutions doesn’t disclose their full pricing model on their website. However, their low first work fee of $49 charged after their initial services makes them a budget-friendly option. In addition, while you must pay for 6 months of service upfront, Fast Credit Solutions will continue disputing errors for 6 months after that free of charge.
- Address: 1550 E Sahara Ave, Las Vegas, NV 89104
- Phone: (702) 541-8215
Fortress Credit Pro (Las Vegas)
Fortress Credit Professionals is a financial education company based in Las Vegas. Among 121 Google reviews, they have an average rating of 4.2 out of 5.
Fortress Credit Pro is not a traditional credit repair company. Instead, they offer courses on money, credit, business, investments, crypto, and taxes, bundled together in a package called Fortress University. They claim that on average, their students see a 50-150 score increase in just 90 days.
As you enroll in Fortress University, Fortress Credit Pro offers free credit repair services where they dispute errors on your behalf. The amount of items disputed depends on the type of package you pay for. Their most expensive package, the Platinum package, comes with free lifetime credit repair.
- Address: 9155 W Flamingo Rd Suite 100, Las Vegas, NV 89147
- Phone: (800) 475-7267
Fresh Start Credit Repair (Las Vegas)
Fresh Start Credit Repair is one of the highest-rated repair agencies in Las Vegas. Among 113 Google reviews, they have an average rating of 4.8 out of 5.
Credit repair at Fresh Start begins with a free consultation where a representative will do a full credit audit. You’ll then be introduced to their credit repair services.
While they repair your credit, Fresh Start offers many ways to improve your score instantly. This includes their Fresh Start Secured Credit Card, as well as ExtraCredit - Build It, which allows you to add previous rent payments to your report. If you’re lacking in positive credit history, these can really help boost your score.
- Address: 2470 St. Rose Parkway, 306 G, Henderson, NV 89074
- Phone: (855) 429-5550
HIGH Credit Repair (Las Vegas)
HIGH Credit Repair is a repair organization in Las Vegas. Among 32 Google reviews, they have a perfect 5 out of 5 rating.
According to their website, HIGH Credit Repair has successfully disputed 650,000 errors off client credit reports. As a result, clients have been able to land better jobs and get better interest rates on loans.
Each client at HIGH Credit Repair is assigned a personal Case Advisor, and we like this 1-on-1 attention. Also, you’ll have access to a credit management portal where you can keep track of your case progress at any time online.
- Address: 7501 Tule Springs Rd Unit 170, Las Vegas, NV 89131
- Phone: (702) 886-9997
- Email: email@example.com
Secret Credit Relief (Reno)
Secret Credit Relief is a relatively new credit repair agency in Reno. Among 4 Google reviews, they have a perfect 5 out of 5 rating.
Secret Credit Relief offers one simple price to fix your credit. For $99 a month, Secret Credit Relief can remove incorrect collections, credit cards, and more from your report. We’re fans of this simple, transparent pricing model.
In addition, Secret Credit Relief clients get a personal online dashboard and mobile app to track their case progress. You’ll also get monthly credit report updates from each agency.
- Address: 4650 Wedekind Rd #2, Sparks, NV 89431
- Phone: (775) 677-8758
Top Credit Repair (Las Vegas)
Top Credit Repair is a repair agency in Las Vegas. Among 10 Google reviews, they have an average rating of 4.6 out of 5.
Top Credit Repair’s proven system towards fixing credit costs $99.95 per month. They have experience removing all types of negative errors from reports, including late payments and bankruptcies.
If you have a business, Top Credit Repair has a dedicated program for repairing and building business credit. Top Credit Repair may be able to help you secure up to $150,000 in unsecured credit with 0% rates.
- Address: 8635 W Sahara Blvd #696, Las Vegas, NV 89117
- Phone: (702) 850-3385
Vivix Credit Solutions (Las Vegas)
Vivix Credit Solutions is a credit repair agency based in Las Vegas. Among 199 Google reviews, they have an average rating of 4.5 out of 5.
Vivix Credit Solutions is one of the more experienced local offices in the area, having been in business since 2006. To get started, they offer a free guide for all, titled “9 Strategies to Raise Your Credit Score to 720 or Higher.”
Vivix also offers debt settlement solutions for those needing relief. They have a variety of other services which you may be able to take advantage of--the best way to ask about them is by scheduling a free consultation.
- Address: 7795 W Sahara Ave #101a, Las Vegas, NV 89117
- Phone: (702) 434-4414
- Email: firstname.lastname@example.org
Which Office Should I Pick?
After learning about our top 13 recommendations for credit repair in Las Vegas, you might be unsure which agency is best for you. In short, you can use the free initial consultation to better gauge how each company will handle your case.
Starting with Credit Saint’s free consultation, for example, is a great first step. There’s no obligation to sign up for their services after the call, and you get a free walkthrough of your credit report.
An online company like Credit Saint is also great for those who prefer minimal face-to-face interactions, especially when discussing a sensitive topic like credit. If you prefer a local office, it may make sense to simply start with one located closest to you. Alternatively, you may choose to travel further away to avoid running into someone you know while repairing your credit.
How Do I Tell If A Credit Repair Service Is Legitimate?
At Credit Help Info, all of the credit repair services we recommend are legitimate and trustworthy. However, you still have the option to do your own research and choose your own company. If you do, be sure that your company has the following features:
- Verifiable Physical Address
- Registered with Nevada’s Division of Mortgage Lending
- Proven Track Record
- No Lofty Promises Unless Made in Writing
- Transparent Pricing Provided Through Website or Free Consultation
Is It Worth Hiring Someone To Fix Your Credit?
For best results, you’ll be expected to spend around $1,000 over the course of your credit repair. Many people view this as a large upfront investment that may or may not be worth it.
However, considering that a higher credit score can save you hundreds if not thousands on future loans, in general, it’s worth hiring a reputable company to fix your credit. It’s possible for you to fix your credit yourself, though this requires a lot more work on your end.
Can Credit Repair Help With Old Or Outstanding Debts?
Usually, traditional credit repair will not help you with old or outstanding debts. This is because credit repair focuses on removing errors on your credit report only.
However, some companies do offer debt settlement solutions or other ways to lower the interest on your outstanding debts. From our recommendations, Credit Restoration of Nevada and Vivix Credit Solutions are two such companies.
How Long Does It Take To See Results?
Most credit files take at least 3 to 6 months of active repair work in order for you to see the full extent of results. In many cases, however, it’s possible to start seeing results much sooner.
Take the following review of Credit Saint from Consumer Affairs by Tyler:
Everything about this place is professionalisms! Between one on one calls and the website itself, you can get what you needed all taken care of! Definitely would recommend them to anyone whose looking or seeking professional help. Was skeptical at first but after the first month and ACTUALLY seeing results like no other company has gotten me they won me over.
Tyler was able to start seeing results as early as a month into Credit Saint’s services. It’s entirely possible for you to see credit score increases as soon as a company starts disputing errors on your behalf.
Conclusion and Next Steps
In this article, we listed 13 top credit repair companies in Las Vegas, Reno, and Henderson. We highly recommend contacting these companies, asking questions, and comparing services to get started with your credit repair journey.
In particular, a great first step would be to reach out to Credit Saint and schedule your free consultation. Once you get a better idea of the state of your credit report, you can choose to continue with them or contact another company on the list.
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 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.