1. Home
  2. Credit Repair

Best Credit Repair Companies in Indianapolis, IN

June 27, 2019, 2:32 p.m.

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, our partners at ConsumerAffairs researched the best credit repair in Indianapolis and came up with helpful tips to choose a company.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. RTV6 may receive compensation from our partners. Learn more.

Powered by
×
#1
RECOMMENDED
Credit Saint

Improve your credit score!

VISIT CREDIT SAINT
Call today!
Call today!*
(201) 535-8937
Sponsored Ad
#1 MOST POPULAR
Credit Saint
Credit Saint
Features
  • Builds new credit and helps repair bad credit
  • Offers three levels of services to fit any need
  • Available in Indianapolis
  • A+ rating from BBB
Read More
VISIT WEBSITE
CALL CREDIT SAINT
(201) 535-8937
Sponsored  Ad
#2
Lexington Law
Lexington Law
Features
  • Offers all three credit report for free
  • Available in Indianapolis
  • Includes fraud alert and identity theft protection
  • Cancel at any time
Read More
VISIT WEBSITE
CALL LEXINGTON LAW
(855) 620-5873
Sponsored  Ad
#3
The Credit People
The Credit People
Features
  • Pay as you go, cancel anytime
  • Unlimited disputes
  • Get started for just $39
  • Available in Indianapolis
Read More
VISIT WEBSITE
CALL THE CREDIT PEOPLE
(877) 696-3650
Sponsored  Ad
#4
Creditrepair.com
Creditrepair.com
Features
  • Provides access to your credit report summary
  • Available in Indianapolis
  • Offers personalized credit consultation
  • Credit experts work to meet your needs
Read More
VISIT WEBSITE
CALL CREDITREPAIR.COM
(833) 334-6899
Sponsored  Ad
#5
Sky Blue Credit Repair
Sky Blue Credit Repair
Features
  • 90-day money-back guarantee
  • Industry's quickest dispute pace
  • More than 25 years of experience
  • Available in Indianapolis
Read More
VISIT WEBSITE
CALL SKY BLUE CREDIT REPAIR
(888) 751-6072
Sponsored  Ad
#6
The Credit Pros
The Credit Pros
Features
  • Identity theft restoration and insurance
  • Provides unlimited disputes
  • Available in Indianapolis
  • One-on-one consultation with a professional
Read More
VISIT WEBSITE
CALL THE CREDIT PROS
(855) 897-5132
Sponsored  Ad
#7
InCreditable Advisors
InCreditable Advisors
Features
  • $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
Read More
Location
22 E. Washington St., Ste. 640
Indianapolis, IN 46204
(317) 202-1297
Credit Dispute Cloud
Credit Dispute Cloud
Features
  • 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
Express Credit Repair
Features
  • M-F: 9am - 7pm
  • Closed Sat and Sun
  • indianapoliscreditrepair.net
Location
301 N. Delaware St.
Indianapolis, IN 46204
(317) 210-5721
Credit Rx America
Credit Rx America
Features
  • M-Sun: 6am-10pm
  • creditrxamerica.com
Location
Serves Residents in
Indianapolis, IN
(888) 882-1961
Nationwide Credit Repair
Nationwide Credit Repair
Features
  • 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 Saint

Credit Saint

CALL CREDIT SAINT

(201) 535-8937 VISIT 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.

Sponsored Ad

Lexington Law

Lexington Law

CALL LEXINGTON LAW

(855) 620-5873 VISIT 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.

Sponsored Ad

The Credit People

The Credit People

CALL THE CREDIT PEOPLE

(877) 696-3650 VISIT 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.

Sponsored Ad

Creditrepair.com

Creditrepair.com

CALL CREDITREPAIR.COM

(833) 334-6899 VISIT 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.

Sponsored Ad

Sky Blue Credit Repair

Sky Blue Credit Repair

CALL SKY BLUE CREDIT REPAIR

(888) 751-6072 VISIT 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.

Sponsored Ad

The Credit Pros

The Credit Pros

CALL THE CREDIT PROS

(855) 897-5132 VISIT 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.

Sponsored Ad

InCreditable Advisors

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.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.