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Find the Best Credit Repair Companies in Indianapolis, IN

A poor credit score can impact your quality of life by making it difficult to qualify for loans. Credit repair services help improve credit scores by working with credit bureaus—Equifax, Experian and TransUnion—to remove inaccurate negative items from your credit report, which helps you qualify for auto loans, home mortgages and more. If you have credit problems, we researched the best credit repair in Indianapolis and came up with helpful tips to choose a company.

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Compare Top Credit Repair Companies

Overall satisfaction rating
  • Builds new credit and helps repair bad credit
  • Offers three levels of services to fit any need
  • Available in Indianapolis
  • A+ rating from BBB

Improve your credit score!

Learn More (478) 845-6310 Read More
Accredited Partner
Sky Blue Credit Repair
Overall satisfaction rating
  • 90-day money-back guarantee
  • Industry's quickest dispute pace
  • More than 25 years of experience
  • Available in Indianapolis

Sky Blue Credit Repair is a credit repair and restoration company. Their counselors are paid by salary, not commission. The firm offers help to individuals and families looking to clean up their credit histories and learn how to improve their financial lives and offers faster disputes than other companies with a rate of 15 items every 35 days.

Learn More (888) 751-6072 Read More
Accredited Partner
The Credit People
Overall satisfaction rating
  • Pay as you go, cancel anytime
  • Unlimited disputes
  • Get started for just $39
  • Available in Indianapolis

Raise your credit score in as little as 60 days by working directly with the credit experts at The Credit People. Your credit expert will develop a credit improvement strategy that includes challenging and removing questionable items from your credit report.

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Creditrepair.com
Overall satisfaction rating
  • Provides access to your credit report summary
  • Available in Indianapolis
  • Offers personalized credit consultation
  • Credit experts work to meet your needs

CreditRepair.com goes beyond one-time credit repair to help clients achieve lifetime credit success. They do more than remove negative items from a credit report

Learn More (833) 334-6899 Read More
The Credit Pros
Overall satisfaction rating
  • Identity theft restoration and insurance
  • Provides unlimited disputes
  • Available in Indianapolis
  • One-on-one consultation with a professional

The Credit Pros is a national credit repair company dedicated to helping clients remove inaccurate information from their credit reports.

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Lexington Law
  • Offers all three credit report for free
  • Available in Indianapolis
  • Includes fraud alert and identity theft protection
  • Cancel at any time
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InCreditable Advisors
  • $25,000 identity theft insurance
  • Offers free 30-minute strategy session
  • Helps you create a debt settlement plan
  • Licensed, bonded and insured credit consulting company
Location
22 E. Washington St., Ste. 640
Indianapolis, IN 46204
(317) 202-1297
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Credit Dispute Cloud
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • creditdisputecloud.com
Location
201 N. Illinois St., 16th floor, South Tower
Indianapolis, IN 46204
(800) 714-1792
Express Credit Repair
  • M-F: 9am - 7pm
  • Closed Sat and Sun
  • indianapoliscreditrepair.net
Location
301 N. Delaware St.
Indianapolis, IN 46204
(317) 210-5721
Credit Rx America
  • M-Sun: 6am-10pm
  • creditrxamerica.com
Location
Serves Residents in
Indianapolis, IN
(888) 882-1961
Nationwide Credit Repair
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • nationwidecreditrepair.com
Location
176 W. Logan St., Ste. 117
Noblesville, IN 46060
(317) 773-3797

Credit repair in Indianapolis

Indianapolis Skyline

According to a 2017 study by Experian, Indiana residents have an average score of 667, which is lower than the national average of 675. If you’re unsure of your credit score, there are multiple ways to obtain it.

If your score is fair or poor, you may have difficulty qualifying for personal loans, including auto loans and home mortgages, or end up paying higher interest rates on loans and credit cards. Even if you’re around the national average, you can save money by raising your credit score and qualifying for lower interest rates.

Before you seek help from a credit repair service, you should know what companies can—and can’t—do. No one can legally remove accurate and timely negative information from a credit report. You have the right to dispute items on your credit report yourself, but this is a confusing and time-consuming process. Credit repair companies in Indianapolis do the work for you and have the experience to get the results you want.

The credit repair industry is largely unregulated, so it’s important to choose a company you can trust. Indiana state law requires credit repair companies to:

  • Have a written contract with consumers describing in detail the services to be performed
  • Provide consumers with a right to cancel the contract with three days
  • Maintain a $25,000 bond to be used to satisfy consumer claims

Indiana law also gives consumers the right to sue credit service organizations for twice your actual damages or $1,000, whichever is greater, plus attorney fees if the company is intentionally engaging in fraud.

While you have good reason to be vigilant when choosing a credit repair company in Indianapolis, a reputable one can help you get your credit back on track. A Federal Trade Commission study found that 1 in 5 consumers have an error on at least one of their credit reports. Common mistakes on credit reports include:

  • Closed accounts reported as open
  • Amounts incorrectly reported as late or delinquent
  • The same debt listed multiple times
  • Accounts with incorrect current balance or limit

A credit repair company in Indianapolis can help you remove errors and raise your credit score, but the process doesn’t happen overnight. The average consumer completes the dispute process in three to six months, but it may take more than a year for you to see the results show up on your credit score.

There’s no guarantee of results, but choosing a credit repair agency with a good reputation can give your score a boost.

Credit Repair Reviews

Accredited Partner

Credit Saint

One of the more affordable credit repair agencies, Credit Saint offers three tiers of plans with varying price points and services. If no negative items are removed from your credit report within 90 days, the company promises a full, money-back guarantee. Indianapolis customers praise the company for raising their credit scores quickly and significantly.

Credit Saint Learn More (478) 845-6310
Accredited Partner

Sky Blue Credit Repair

Sky Blue Credit Repair offers a money-back guarantee and has an A+ rating from the Better Business Bureau. The company works by disputing 15 items, five from each credit bureau, every 35 days. Customers from Indianapolis give Sky Blue Credit Repair high marks, saying the company delivers results.

Sky Blue Credit Repair Learn More (888) 751-6072
Accredited Partner

The Credit People

With no hidden fees or added costs, The Credit People provides affordable services for those with low credit. Representatives are trained in various laws governing credit repair and have found results with over 310,000 unique credit reports. Customers note that representatives are responsive and informative.

The Credit People

Creditrepair.com

Creditrepair.com achieves an average 40-point credit score increase for their clients in the first four months and doesn’t charge an initial fee. The company also offers a money-back guarantee if it fails to deliver on the terms of the agreement with the customer. Customer reviews from Indianapolis say they appreciated the friendly customer service.

Creditrepair.com Learn More (833) 334-6899

The Credit Pros

The Credit Pros has an A+ rating from the Better Business Bureau and provides a free initial consultation. The company focuses on repairing your credit and helping you avoid financial mistakes in the future. Reviews from Indianapolis customers describe the company’s counselors as knowledgeable and accessible and say the company provides top-notch service.

The Credit Pros

Lexington Law

Lexington Law employs attorneys and paralegals to help you dispute incorrect items on your credit report. The company prides itself on working with integrity and using the law to help its clients. Indianapolis residents say they appreciated the personalized attention they received from the company’s employees.

Lexington Law

InCreditable Advisors

InCreditable Advisors offers a free, 30-minute strategy session and has helped more than 30,000 Indianapolis residents. The company also provides credit and identity theft monitoring. Local reviews say the company has a high attention to detail and a strong focus on results.

InCreditable Advisors