Best Credit Repair Companies in Phoenix

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Author : Chris Morgan
Updated on : September 1st, 2021

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If all you’re really looking for is our top rated credit repair company in Phoenix, then it’s Credit Saint. With a 90-day money-back guarantee, an A+ rating from the BBB, and fast customer service, Credit Saint is our top pick.

Arizona is the sunniest state in the United States. Its capital, Phoenix, is known for having a desert-like climate, with an average annual temperature of 73.7F (23.2C) amidst long arid summers and almost no rainfall.

Some people enjoy Arizona’s climate, while others enjoy the relatively affordable cost of living. One source lists Phoenix as being cheaper than 65% of other major US cities. This combined with Arizona’s low state income and property taxes makes Phoenix a very comfortable place to settle down in.

How are Arizona residents doing in terms of credit score? According to 2020 data from Experian, Arizona has an average credit score of 706, which is decent but still slightly below the national average of 711.

A local Arizona KTAR news report released further details about credit scores in major Arizona cities:

  • Phoenix ranked 47th among large cities (defined as a population of 300,000 or more) with a median credit score of just 660.
  • Surrounding areas of Phoenix seem to have higher median credit scores in general. This includes Scottsdale (741), Gilbert (721), and Chandler (713).
  • The highest credit scores were found in Sun City West, where the median score was 789. This ranks in the 99th percentile in the country.

As you can see, credit score ranges vary wildly across the state. However, in particular, Phoenix seems to be faring a bit worse than other areas.

How does a lower credit score impact your financial life? Let’s say you’re looking to settle down in Phoenix, where the average home price is $366,343, according to recent data from Zillow. Suppose you put 20% down on this home and take out a 30 year mortgage for $293,074.40.

  • With an excellent credit score, you may qualify for a 3% interest rate. Your monthly payment would be $1,236, and your total mortgage would cost $444,821.
  • With a poor credit score, you may qualify for a 5% interest rate. Your monthly payment would be $1,573, and your total mortgage would cost $566,383.

A poor credit score could end up costing you $120,000 over the lifetime of your mortgage. Fortunately, it’s entirely possible to fix a poor credit score.

Credit repair is one of the best options for Phoenix residents looking to improve their scores. There are many reputable credit repair agencies in the area that serve all of Arizona.

In this post, we’ll introduce 13 of the best credit repair companies in Phoenix and its surrounding cities. This is a great list to begin your research of companies in the area.

Is Credit Repair Legal In Phoenix?

Yes, credit repair is legal in Phoenix and all of Arizona. Specific guidance on your rights as a consumer, as well as how credit repair companies should act, are summarized in this page from the Arizona Attorney General’s website.

In particular, the site mentions that credit repair companies are required to provide you with complete information about the services they will provide. Also, they cannot charge you until those services have been provided. These mirror closely the Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA), which are federal US laws that are also designed to protect consumers.

How Does Credit Repair In Phoenix Work?

In Phoenix, credit repair usually involves the following three steps:

  • Free consultation: This is your first meeting with a company representative where they will walk you through your credit report and describe their services.
  • Dispute errors on your behalf: If you want to continue with paid services, the company will write dispute letters on your behalf to the three major credit bureaus and remove errors from your reports.
  • Recommendations going forward: As your credit is being repaired, the company may provide 1-on-1 coaching or other educational resources to help you build positive credit.

More details can be found in our article on how credit repair companies work.

Best Credit Repair Services In Phoenix

In this next section, we’ll suggest three online-based companies that are accepting clients from Phoenix. These are all reputable companies with a long track record of providing stellar results.

Credit Saint

Credit Saint Logo

Credit Saint has been helping clients repair their credit since 2004, and with great success. Many of their clients have seen credit score increases of 50, 100, and sometimes even more.

While Credit Saint has many customer testimonials, perhaps their strongest testimonial is their BBB-accreditation. It’s difficult for a credit repair company to get BBB-accredited, and Credit Saint has managed to maintain a BBB-rating of A or higher since 2007.

Our favorite feature of Credit Saint’s services is their 90 day money-back guarantee. Credit Saint disputes errors in 45 day cycles, meaning you’ll have two full cycles of repair while still being able to request a refund if you don’t get results.

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

We talk more about Credit Saint’s services in our full review.

Lexington Law

Lexington Law Logo

Lexington Law is a popular alternative for Phoenix residents. They have sent out a whopping 220 million dispute letters on behalf of their clients since opening in 2004.

Lexington Law doesn’t have a robust refund policy like Credit Saint, but they have other advantages that make them well-worth considering. For one thing, few companies can beat their pricing. Lexington Law doesn’t charge an initial setup fee, which is extremely rare among credit repair companies.

Also, Lexington Law’s staff is composed of credit repair professionals with verified legal background. All of them either have a law degree from university, or previous experience as a paralegal. This legal expertise can help build trust with clients who may be wary of who they’re sharing their credit information with.

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 talk more about all of these points in our full review of Lexington Law.

Credit Repair Logo

Last but not least, is another excellent credit repair company that we recommend. They have successfully helped clients remove over 1.8 million errors off credit reports since 2007.

We like for their focus on credit education. During their credit repair process, they have resources that teach you how to build positive credit to maintain a good score after repair. You can get a sneak peek of these resources in the Credit Education tab on their website.

We also recommend 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 Phoenix

We recommend anyone in Phoenix looking for credit repair to start with either Credit Saint, Lexington Law, or However, some people may prefer going to a local credit repair agency. Here are 10 of the best local credit repair offices in Phoenix.

720 Credit Score (Scottsdale)

720 Credit Score Logo

720 Credit Score is a credit counseling company in Scottsdale. Among 580 Google reviews, they have an average rating of 4.9 out of 5.

720 Credit Score isn’t a traditional credit repair company. Instead, they offer their trademark 7 Steps to a 720 Credit Score program, which contains educational material about how to repair your credit score yourself.

The program includes 11 videos, each of which are just ten to fifteen minutes long. In addition, they have a sample dispute letter that you can use to send to the three bureaus. They claim that implementing their action guides will quickly get your score to 720 or higher.

Contact Information:

  • Address: 7137 E Rancho Vista Dr, Scottsdale, AZ 85251
  • Email:

Andorra Credit Repair (Scottsdale)

Andorra Credit Repair Logo

Andorra Credit Repair is one of the highest-rated credit repair companies in Phoenix. Among 28 Google reviews, they have a perfect 5 out of 5 rating.

During your free consultation, Andorra Credit Repair will go over your report line by line with you. Within 24 hours, they’ll create a dedicated action plan for tackling each reporting error. 

As Andorra repairs your credit, they also have a few recommended credit cards to help you start building up positive credit right away. One of their representatives can point you towards the best secured credit card given your current credit situation.

Contact Information:

  • Address: 17470 N Pacesetter Way, Scottsdale, AZ 85255
  • Phone: (480) 305-2003
  • Email:

ASAP Credit Solutions (Phoenix)

ASAP Credit Solutions Logo

ASAP Credit Solutions is a growing credit repair company based in Phoenix. Among 320 Google reviews, they have an average rating of 4.9 out of 5.

ASAP Credit Solutions has already served over 5,000 happy customers. Their main credit restoration program comes with a money-back guarantee, where if your credit isn’t repaired in 6 months, you’ll get your money back.

If you own a small business, ASAP Credit Solutions also offers quick business funding solutions. Businesses can receive funding in as little as 5 days after filling out their online form.

Contact Information:

  • Address: 3300 N Central Ave STE 2550, Phoenix, AZ 85012
  • Phone: (623) 326-2060
  • Email:

Credit Absolute (Scottsdale)

Credit Absolute Logo

Credit Absolute is one of the most popular credit repair options in the Phoenix area. Among 164 Google reviews, they have an average rating of 4.9 out of 5.

Credit Absolute claims that they can increase your credit score by 40 to 100 points in 30 to 90 days on average. Of course, this depends on how much work your credit file needs, but some customer testimonials have confirmed this claim.

We love that Credit Absolute offers the complete package: a credit audit, credit repair, a client portal, and a comprehensive credit education library. With all their programs, you get lifetime membership. All other services are charged per deletion.

Contact Information:

  • Address: 7702 E Doubletree Ranch Rd #300, Scottsdale, AZ 85258
  • Phone: (480) 478-4304

The Credit Clinic (Tempe)

The Credit Clinic Logo

The Credit Clinic is a credit repair company in Tempe. Among 62 Google reviews, they have an average rating of 4.9 out of 5.

The Credit Clinic offers traditional credit repair that follows the proven three-step process to maximize results. Without spending a penny, you get a full credit analysis and credit recommendations from your initial consultation.

Unfortunately, The Credit Clinic does not publish their prices on their website--you’ll have to get a quote after your consultation. We generally frown upon this, but Credit Clinic’s 20 years of experience and good track record still make it a company worth considering.

Contact Information:

  • Address: 60 E Rio Salado Pkwy #900, Tempe, AZ 85281
  • Phone: (480) 557-7400
  • Email:

Credit World Financial Solutions (Phoenix)

Credit World Financial Solutions Logo

Credit World Financial Services offers a bunch of credit-related services in Phoenix. Among 65 Google reviews, they have an average rating of 4.7 out of 5.

Credit World Financial Services understands that having bad credit and debt problems can set you back in life. Their main credit repair program is designed to help you improve your score and hopefully get you ready for a mortgage.

In addition, Credit World may be able to help you resolve debt “for pennies on the dollar.” Unfortunately, they also have a pretty outdated website that has very limited information about pricing and services. You’ll have to schedule a call to learn more.

Contact Information:

  • Address: 112 N Central Ave First Floor, Phoenix, AZ 85004
  • Phone: (602) 288-8828

Go Clean Credit (Chandler)

Go Clean Credit Logo

Go Clean Credit is a credit repair firm in Chandler. Among 23 Google reviews, they have an average rating of 4.5 out of 5.

Go Clean Credit offers a variety of credit repair services depending on how hands-on you want them to be. If you want to do-it-yourself, they offer an app that can help you create customized dispute letters and walk you through the credit rebuilding process.

If you want to hand over your case to Go Clean Credit, their full service only costs $199 to start, and $99 for four months. This is a very decent price compared to other firms, and they offer a money-back guarantee on top of that as well.

Contact Information:

  • Address: 1820 E Ray Rd, Chandler, AZ 85225
  • Phone: (480) 991-4885
  • Email:

My Credit Guy (Gilbert)

My Credit Guy Logo

My Credit Guy is a credit restoration service based in Gilbert. Among 284 Google reviews, they have an average rating of 4.7 out of 5.

On their homepage, we like that My Credit Guy is very upfront about what they can and cannot help you with. All of their services act within the law and are designed to improve your score significantly.

My Credit Guy is also very clear about not charging upfront fees, which is what all credit repair companies should adhere to. You won’t be billed until your 30th day of service, where individuals pay $399 initially and $89 every month afterwards. My Credit Guy claims that they require two to four months on average for you to see results.

Contact Information:

  • Address: 4365 E Pecos Rd Ste 121 & 122, Gilbert, AZ 85295
  • Phone: (866) 726-7339
  • Email:

Paragon Credit Advisors (Phoenix)

Paragon Credit Advisors Logo

Paragon Credit Advisors offers credit repair services in Phoenix. Among 109 Google reviews, they have an average rating of 4.7 out of 5.

Like a few other companies, Paragon Credit Advisors charges per successful deletion. Compared to a monthly pricing model, pay-per-deletion is generally better for clients since you know the company will be doing their best to remove errors. Unfortunately, they do not publish their rates per successful deletion.

Paragon claims that on average, it takes them 5 months to finish a case. They also have a focus on credit education, where they have a decent selection of articles on their website.

Contact Information:

  • Address: 11811 N Tatum Blvd, Ste 3031, Phoenix, AZ 85028
  • Phone: (877) 317-4982

Trohive (Tempe)

Trohive Logo

Trohive is a credit repair agency based in Tempe. Among 40 Google reviews, they have a perfect 5 out of 5 rating.

Trohive is a relatively new company, having served around 320 clients in the Tempe area as of this article. However, their ratings and testimonials speak volumes. Many of these clients have been able to get many errors removed from their reports, and gigantic score increases as a result.

Trohive claims that you’ll begin to see results in as soon as 45 to 60 days. On average, they’ll try to complete a case within six months, though this can vary.

Contact Information:

  • Address: 12426 N 28th Dr, Phoenix, AZ 85029
  • Phone: (480) 531-2326
  • Email:

Which Office Should I Pick?

With these 13 company recommendations, you might still be overwhelmed by your choices. How can you tell which office is right for you?

Most of these companies offer a free initial consultation where you can learn more about their services and pricing. In addition, this helps you get a feel for their customer service experience and how they treat their clients.

In general, you can’t go wrong by starting off with Credit Saint. During your free consultation with them, you’ll get a free credit analysis, and there’s no obligation to sign up for their paid services.

In addition, Credit Saint handles everything on the phone, which means you have some privacy and won’t risk bumping in to someone you may not want to see at the local repair service building.

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

All 13 of the credit repair companies we listed in this article are legitimate businesses. If you decide to pick a different company, ensure that they check all the following boxes.

  • Verifiable Physical Address
  • Proven Track Record
  • No Lofty Promises Unless Made in Writing
  • Transparent Pricing Provided Through Website or Free Consultation

How Much Does Credit Repair Cost On Average?

In Phoenix, you can expect to spend about $1,000 on credit repair services. This primarily applies to monthly subscription pricing models, where it takes on average 6 months to see full results. For pay-per-deletion pricing models, costs can vary depending on how many items you need to remove.

If $1,000 sounds like a heavy expense, you’re not alone. However, considering the fact that a better score can save you thousands in the long run, the initial $1,000 investment is worth it. You can always try repairing your credit yourself as well.

Can A Credit Repair Company Remove Debt?

In general, credit repair companies cannot help you remove debts that you actually owe. Paying off your real debts is still your responsibility.

However, some companies have debt relief solutions that you may be able to take advantage of. Credit World Financial Solutions from our list above is one such company.

What Results Can I Expect From Credit Repair?

In six months of credit repair, a reasonable credit score increase is around 30 to 50 points. This is based on the average case; the worse your current score is, the more potential there is to improve it.

A good benchmark for results is Credit Saint, due to their proven track record. Take the following review of Credit Saint from Consumer Affairs by Taylor:


I kept hearing bad things about credit repair companies. I was pretty hesitant. I found Credit Saint because I search companies with guarantees. I read the fine print very clearly and couldnt find anything fishy. I had to pay my bills on time, I had to send them the documents they asked for and I had to confirm I would give them at LEAST 90 days. It didnt even come to that. My score went up 30 points in 50 days. Cant wait to see how high it goes.

Taylor acknowledges the bad rep that many credit repair companies have, but decided to take a chance with Credit Saint. Taylor notes that while they allotted 90 days for repair, their score went up by 30 points in around half that time.

Conclusion and Next Steps

In this article, we shared 13 of the best credit repair companies in Phoenix and the surrounding metropolitan areas. Don’t hesitate to contact any of these companies if you need help repairing your credit.

If you’re unsure where to start, try reaching out to Credit Saint to schedule your free consultation. This will help you better understand what sort of work your credit file needs, and is a crucial first step towards a better financial future.

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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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