Best Credit Repair Companies in Seattle

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Author : Chris Morgan
Updated on : September 10th, 2021

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If you did a Google search for “best credit repair companies near me” and only want to know our top recommendation, 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 the best option.

Best Credit Repair Company | Credit Help Info

Over the past decade, Washington state has seen tremendous population growth at around 14.6% according to the US Census Bureau. A big part of this is due to the growth of Seattle, which was the fastest-growing major city in 2020 even during the coronavirus pandemic.

Seattle is a thriving tech hub, home to tech giants like Amazon and Microsoft. The abundance of high-paying jobs, chic coffee shops, and beautiful Pacific Northwest landscapes draw many to Seattle.

How are Seattleites doing in terms of credit scores? A good gauge of this is to look at credit scores among renters, who may be considering buying a house later down the line. One study by SeattlePI looked at exactly this and found that many renters were doing surprisingly well:

  • Renters in Seattle had an average credit score of 706, far above the national average of 638. This is 4th among major cities in the US, trailing only New York (715), Boston (716), and San Francisco (719).
  • Baby Boomer renters had an even higher average credit score of 719. Millennial renters had an average of 714, and Gen Z had an average of 666.

This is a great sign for the Seattle metropolitan area in general. However, if your credit scores fall below the city average, you may be lagging behind financially. In a city with a higher-than-average cost of living, this can be a big deal:

  • According to recent data from Zillow, the average home price in Seattle is a whopping $871,286. Suppose you put 20% down on the average Seattle home and take out a 30-year mortgage for $697,028.80. We’ll round this up to $700,000 for simplicity.
  • With an excellent credit score, you may qualify for a 3% interest rate. This would put your monthly payments at $2,951, and your total mortgage would cost you $1,062,442.
  • With a fair credit score, you may qualify for a 4% interest rate. Though this is only a 1% difference, your monthly payments would be $3,342, and your total mortgage would cost you $1,203,087.

As you can see, a dink in your credit score could end up being a $130,000 mistake! Fortunately, a poor credit score can be fixed.

If you’re living in Seattle and have a low credit score, we recommend credit repair. Though credit repair can seem like a large upfront investment, it can save you many thousands of dollars on a mortgage in the long run.

In this article, we’ll introduce 13 of the best credit repair companies in Seattle. This is a great list to start your research of repair agencies in the area.

Is Credit Repair Legal In Seattle?

Yes, credit repair is legal in Seattle. The Washington State Legislature Credit Service Organizations Act contains laws governing the behavior of credit repair companies. In particular, they are not allowed to mislead clients or demand advance payments.

In the US, all credit repair companies must also follow Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). These laws make it illegal for companies to make promises unless done so in clear writing.

How Does Credit Repair In Seattle Work?

In Seattle, credit repair companies usually follow this three-step blueprint:

  • Free consultation: A company representative will spend some time walking through your credit report with you and describing how their services can help.
  • Dispute errors on your behalf: The company will then create a plan of what items need removing, and write dispute letters to the three credit bureaus on your behalf.
  • Recommendations going forward: During or after the credit repair process, the company may provide coaching on how to improve your credit score moving forward.

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

Best Credit Repair Services In Seattle

The next three companies are our top credit repair recommendations in Seattle. These companies are all primarily online-based, so it’s really easy to get in contact with them and schedule your free consultation.

Credit Saint

Credit Saint Logo

Since 2004, Credit Saint has been helping clients significantly boost their credit scores. Multiple client testimonials have said that Credit Saint’s services increased their scores by 50, 100, and sometimes even more.

It’s difficult for a credit repair company to gain BBB-accreditation, but Credit Saint has done just that. In fact, they have also received a rating of A or higher since 2007. This by itself speaks to the quality of their credit repair services.

In addition, Credit Saint offers an industry-leading 90 day money-back guarantee. If you sign up with Credit Saint and they aren’t able to remove any items from your report in two 45-day dispute cycles, you get a full refund with no questions asked. Few other credit repair companies can match this refund policy.

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

Lexington Law Logo

Lexington Law is another popular and effective credit repair company that Seattleites should consider. They have written over 220 million dispute letters since 2004, so experience is on their side.

Lexington Law is a very well-established company because of their staff. From their website, you can see that all members of their staff have some sort of legal experience, whether that’s a law degree from university or previous paralegal experience. This can help you understand exactly who you’re sharing your sensitive credit information with.

Not only do they have knowledgeable credit repair specialists, but they also offer very competitive pricing compared to the rest of the industry. Lexington Law has three main plans, the most expensive of which is $129.99 a month. Notably, they do not charge an initial setup fee, which dramatically reduces costs.

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

Read our full review of Lexington Law to learn more.

Credit Repair Logo is another online-based company with a track record of delivering excellent results. Since 2007, they have removed over 1.8 million reporting errors on behalf of their clients. earns our stamp of approval due to their focus on credit education. Whereas most firms will focus only on repairing your credit, actively encourages you to stay involved and learn about your credit as well. The Credit Education tab on their website has many helpful articles about how to improve your credit.

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 Seattle

Anyone in Seattle looking for credit repair should find great results with Credit Saint, Lexington Law, or However, we understand that some people may prefer visiting a local office over online credit repair. Our next 10 credit repair recommendations are local offices in and around the greater Seattle area.

Adulting Credit (Seattle)

Adulting credit logo

Adulting Credit is a credit repair company located in the heart of downtown Seattle. Among 4 Google reviews, they have a perfect 5 out of 5 rating.

According to Adulting Credit, 93% of their clients see a quick 10 point boost in the first 35 days. After 6 months, their clients see an average increase of 80 points, though this depends a lot on each individual case.

If Adulting Credit does not remove at least 25% of the negatives worked on after six months, you’re entitled to a 100% refund. However, most clients are able to see at least 70% of their negative items removed.

Contact Information:

  • Address: 600 Stewart St Suite 300, Seattle, WA 98101
  • Phone: (833) 700-2582
  • Email:

American Financial Solutions (Bremerton)

American Financial Solutions Logo

American Financial Solutions is a non-profit credit counseling agency with locations in Seattle and Bremerton. Their Bremerton location has a perfect 5 out of 5 rating among 8 Google reviews.

American Financial Solutions is not a traditional credit repair company. They offer credit counseling and financial education services, both of which are free of charge since they are a non-profit. This is a great option for getting a professional opinion on your credit situation.

They also offer debt management services which do have a monthly fee and initial setup fee. If you’re confident that your credit report doesn’t contain many errors but you have many outstanding debts, American Financial Solutions may be the best choice for you.

Contact Information:

  • Address: 500 Pacific Ave Suite 550, Bremerton, WA 98337
  • Phone: (888) 282-5844
  • Email:

Blue Water Credit (Seattle)

Blue Water Credit Logo

Blue Water Credit is a credit repair chain with locations all around the US. While they do their credit repair mostly online, they do have a location in downtown Seattle.

If you sign up with Blue Water Credit, they’ll devise an action plan to remove as many questionable negative items from your report as possible. In addition, you’ll work closely with their credit counseling team to learn about credit management and how to maintain a high score moving forward.

Contact Information:

  • Address: 2033 6th Ave, Seattle, WA 98121
  • Phone: (877) 577-7496
  • Email:

Credit Boxx (Tacoma)

Credit Boxx Logo

Credit Boxx is a company in Tacoma that specializes in helping businesses repair and build their credit. Among 10 Google reviews, they have a perfect 5 out of 5 rating.

While Credit Boxx doesn’t offer credit repair for individuals, they are one of the best options if you have or are thinking about starting a business. They offer a variety of services such as 401(k) plan financing, business funding, and access to business lines of credit to help get your business off the ground.

Credit Boxx is also fully aware of the need for all modern businesses to maintain a strong online presence. In addition to credit building services, they offer additional services for website development, hosting, and even SEO.

Contact Information:

  • Address: 401 Broadway Suite 100, Tacoma, WA 98402
  • Phone: (253) 553-3260
  • Email:

CreditCEO (Seattle)

CreditCEO Logo

CreditCEO is a highly-rated credit repair service in downtown Seattle. Among 49 Google reviews, they have an average rating of 4.7 out of 5.

The founder of CreditCEO, Jesse Rodriguez, has dedicated his company to helping clients navigate the credit system to get the most out of their financial life. Their membership program aggressively targets all negative errors on your credit report every single month.

In addition to credit repair, CreditCEO offers advanced credit coaching to help you maintain your new and improved score. Ultimately, through credit education and mortgage loan prequalification, CreditCEO can help you get the home or car of your dreams.

Contact Information:

  • Address: 701 5th Ave #4200, Seattle, WA 98104
  • Phone: (800) 216-2725
  • Email:

Credit Repair Boss (Federal Way)

Credit Repair Boss Logo

Credit Repair Boss is a repair firm based in New York with an office in Federal Way. Their Federal Way location has a perfect 5 out of 5 rating among 27 Google reviews.

Credit Repair Boss has helped thousands of their clients improve their scores, sometimes by a few hundred points. Since they are a smaller firm, you’ll get a lot of personalized 1-on-1 attention into your case.

Generally, clients spend about six months on their repair program. Credit Repair Boss knows that New York and Seattle are high cost of living areas, so they can offer personalized advice if your ultimate goal is to buy a home or a car.

Contact Information:

  • Address: 505 S 336th St $413, Federal Way, WA 98003
  • Phone: (206) 321-7404
  • Email:

Guiding Hands (Covington)

Guiding Hands Logo

Guiding Hands offers credit repair and real estate services in Covington. Among 33 Google reviews, they have an average 4.8 out of 5 rating.

Guiding Hands offers a comprehensive credit repair program in their Silver and Gold packages. These include mortgage preparation coaching and other financial education courses in addition to unlimited disputes to the credit bureaus.

If you’re mostly interested in trying to repair your credit yourself, try their Credit Masterclass program. It comes with an interactive online workbook to make sure you’re on track to good credit.

Contact Information:

  • Address: 17615 SE 272nd St #110, Covington, WA 98042
  • Phone: (253) 735-4300
  • Email:

Incite Strategies (Vancouver)

Incite Strategies Logo

Incite Strategies is a credit repair service in Vancouver near the Oregon-Washington border. Among 8 Google reviews, they have a perfect 5 out of 5 rating.

Though Incite may be a longer drive away from the Seattle-metro area, the personalized attention you get with founder Ivory Becker is well worth it. Having seen firsthand many people struggle with bad credit, she started Incite Strategies to help.

Ivory is also a licensed Financial Advisor who can help you with more than just your credit. Along with their partnerships with mortgage loan officers and insurance professionals, the goal of Incite is to help you achieve overall financial freedom.

Contact Information:

  • Address: 1220 Main St. Suite 423, Vancouver, WA 98660
  • Phone: (503) 395-3092
  • Email:

LSI Credit Solutions (Kirkland)

LSI Credit Solutions Logo

LSI Credit Solutions is a popular credit repair agency in Kirkland. Among 209 Google reviews, they have an average rating of 4.8 out of 5.

Since 2006, LSI Credit Solutions has been in the business of repairing credit to help clients get approved for a mortgage. In addition to disputing errors on your behalf, LSI can also help you negotiate down your debts.

Many clients are able to start seeing results in the first 45 to 90 days of service. While many cases do take longer than that, LSI will re-evaluate your credit reports every 30 days to figure out the next course of action.

Contact Information:

  • Address: 733 7th Ave #202, Kirkland, WA 98033
  • Phone: (425) 376-2840
  • Email:

Velocifin (Bellingham)

Velocifin Logo

Velocifin is a credit repair company in Bellingham. Among 13 Google reviews, they have a perfect 5 out of 5 rating.

There are many great reasons to consider Velocifin, including their 120 day money-back guarantee. If they are unable to delete any items in the first 120 days of service, you’re guaranteed a full refund.

Velocifin’s most successful clients typically see score increases of 80 to 170 points. They also offer solutions for business funding and could help you refinance your debts at lower interest rates.

Contact Information:

  • Address: 2219 Rimland Drive Ste 301, Bellingham, WA 98226
  • Phone: (360) 330-4510
  • Email:

Which Office Should I Pick?

Among these 13 recommendations, which credit repair company is best suited for you? Often, this doesn’t have a very straightforward answer, since each company specializes in different services.

For example, Credit Boxx is the best option for business credit, while American Financial Solutions and Guiding Hands are great for general credit education. Remember that these credit repair companies offer free initial consultations, so be sure to use them to learn more.

In general, we highly recommend starting with Credit Saint’s free initial consultation. You’ll get a detailed credit report analysis, and there’s no obligation to continue with their paid services.

Companies like Credit Saint, Lexington Law, and Blue Water Credit are larger firms with a very systematic approach to credit repair. On the flipside, you might prefer a smaller firm with more personalized attention. Both styles can get you great results, but it’s up to your personal preference.

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

All credit repair recommendations at Credit Help Info are legitimate businesses. If you choose to work with a company that’s not on our list, be sure that they have the following features:

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

What Can Credit Repair Companies Help Dispute?

Credit repair companies primarily help dispute negative errors on your report, such as inaccurate late payments or inquiries. It’s important to note that they cannot remove negative items if they are reported accurately.

Also, credit repair companies cannot magically help you remove debts, though some companies do offer debt settlement services. LSI Credit Solutions is one such company.

What Is The Average Cost For Credit Repair in Seattle?

On average, you should expect to spend around $1,000 for six months of credit repair in Seattle. This includes all associated costs, including monthly fees and initial setup fees.

However, costs can get higher if you’re looking for premium features, such as unlimited disputes or credit masterclasses. We recommend calling multiple companies and comparing their prices to find the best deal for you.

What Results Can I Expect From Credit Repair?

After six months of credit repair, it’s reasonable to expect a score increase of around 30 to 60 points. In some cases, credit repair might yield even better results. Consider the following Credit Saint review on Consumer Affairs by Cheryl:

Quote Left Marks | Credit Help Info


Credit Saint has helped me immensely. My credit was a 490 and in 6 months it was a 620. As of now almost a year later I’m at 700. You have to do all the right things. If you have debt, PAY IT! There were things that credit Saint helped. Remove late payments and have fought to have things even removed off my credit report. I totally recommend them. It’s worth every cent. Be obligated, be honest, make settlements and credit Saint will guide you where you need to be.

Quote Right Marks | Credit Help Info

In Cheryl’s case, Credit Saint helped boost her score by 130 points. After paying down her debts and continuing to care for her credit, she reached 700.

This shows that repair companies like Credit Saint can really make a huge difference if there are errors on your report. Also, Cheryl’s review highlights the importance of paying down your debts in addition to credit repair. Doing both of these simultaneously is sure to provide you with excellent results.

Conclusion and Next Steps

In this article, we introduced 13 of the best credit repair companies in Seattle. If you have poor credit, don’t wait. Any of these companies can help steer your credit back on the right track.

As for next steps, we highly recommend contacting Credit Saint and setting up a free initial consultation with them. This will give you a better sense of what needs work on your credit report, and whether they or another company on our list can help with credit repair.

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Best Credit Repair Company | Credit Help Info

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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