Best Credit Repair in Albuquerque, NM

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by Kathryn Parkman ConsumerAffairs Research Team

With an average credit score of 659, New Mexico barely misses the cut for the top 10 states with the lowest credit scores. Yet credit scores could be higher for many Albuquerqueans — about 79% of people in New Mexico have errors on their credit reports. Credit repair companies work on your behalf to get those inaccuracies removed.

Top 10 Albuquerque Credit Repair Companies

Credit Saint
Read 46 Reviews

A credit restoration company. Changes to credit history are often seen in 45 days. A 90-day money-back guarantee includes a personal advisor and online system to track progress. Monthly fees range from $60-100.

toll freenumber(844) 598-8459 Visit Website
Sky Blue Credit Repair
Read 74 Reviews

Sky Blue Credit Repair professionals do not work on commission and focus only on helping clients reach goals. Since 1989, the company has helped millions of consumers erase erroneous credit report items and raise credit scores.

toll freenumber(844) 729-7792 Visit Website
Lexington Law
Read 1494 Reviews

Free personalized credit consultation and three service levels offered that range from $89.95-$129.95/month. One-time first-use fee charged 5-15 days after sign-up. Service is month-to-month and can be cancelled anytime.

toll freenumber(855) 464-9621 Visit Website
Read 24 Reviews

Credit Repair services are unique because they go beyond one-time credit repair by helping clients develop a long-term healthy relationship with credit. Certified FICO professionals empower people for long-term financial success.

toll freenumber(844) 211-7298 Visit Website
The Credit Pros
Read 33 Reviews

The Credit Pros began in 2009 when an attorney and a business man banded together to fight the Big 3 credit bureaus to help change consumer lives. Clients can enjoy better lifestyles as a result of the accurate credit reports.

toll freenumber(844) 335-5496 Visit Website
Best Credit Repair
Read Expert Review

Offers free consultations. Designs a custom strategy to help restore credit. Works for as long as it takes to bring your scores up to your ideal range.

CRE Credit Repair Services of Albuquerque
Read Expert Review

Provides free consultations and a money-back guarantee. Services include credit repair, investigation and restoration.

Credit Repair Today Albuquerque
Read Expert Review

Provides free personal consultation. See results in 60 - 90 days. Clients average a 100-point credit score increase.

Credit Rescue Now
Read Expert Review

Helps consumers understand credit scores and credit rights. Provides full credit consultation. Assists with custom letter-writing to credit reporting agencies.

Read Expert Review

Offers free consultations. Implements 7-step process to help you build up your credit. Follow your account's progress 24/7 on the secure online portal.

albuquerque skyline

Credit repair in Albuquerque

Removing damaging mistakes from your credit report can boost Albuquerque residents’ scores as much as 100 points. It can also make it easier to get the best rates on a car loan or open a new credit card with a high line of credit.

For credit repair services in Albuquerque, you can expect to pay a setup fee of $10 - $100, plus monthly payments between $60 - $130. Instead of recurring costs, some credit repair companies charge flat rates of $35 - $750 per item erased. Many credit restoration companies also offer credit monitoring, debt settlement or provide financial counseling.

Albuquerque credit repair laws

The state of New Mexico defers to the Federal Credit Repair Organization Act (CROA) for credit repair regulations. Under CROA, it’s illegal for credit restoration companies to:

  • Make false claims or promises: For example, a credit repair company can’t promise to give you a fresh start with a new credit profile.
  • Not to provide you with a written contract: The contract should also state your rights as a consumer and give you three days to cancel without penalty or fees assessed.
  • Ask for large payments upfront: Credit repair companies can’t charge you before services are rendered, but small set-up fees are allowed.

Credit repair FAQ

Is credit repair legal in New Mexico?
Yes. Credit repair companies in New Mexico must comply with the Credit Repair Organization Act.
Who regulates credit repair companies in New Mexico?
The federal government regulates credit repair companies in New Mexico.
How much does credit repair cost in Albuquerque?
Credit repair in Albuquerque can charge per month of service or per item removed from your credit report. Monthly payments typically range between $60 - $130 and flat-rate charges can be anywhere from $35 - $700 or more. Plus, set-up fees are usually $10 - $100.
What do credit repair companies do in Albuquerque?
Credit repair companies remove mistakes off your credit report. Service add-ons include debt negotiation, credit monitoring, financial counseling and more.
How do you know if an Albuquerque credit repair company is a scam?
Red flags include hefty upfront fees. Sometimes, illegitimate credit repair companies urge you to refrain from checking your credit score or contact credit reporting agencies. These companies may ask you to provide false information on applications for loans and credit cards or guarantee you’ll get a “new credit identity.”
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Albuquerque credit repair company information

Credit Repair Today Albuquerque

Credit Repair Today's dedicated experts work to remove errors from your credit report quickly. It charges a flat rate and has legal contracts in place to protect your confidential and personal credit information. The company also works to educate its clients on how to understand their credit report and better their scores.

  • Service areas: Albuquerque
  • Address: 1007 Luna Circle, Albuquerque, NM 87102
  • Phone: (844) 427-8482
  • Hours: M - F: 9am - 5pm; Sat: 10am - 4pm
  • Website:
Credit Rescue Now

Credit Rescue Now is a non-profit organization that offers contract assistance and debt settlement for those who want to improve their credit scores. Credit Rescue Now specializes in credit repair advocacy for people who want to increase credit scores enough to get a mortgage.

  • Service areas: Albuquerque and surrounding areas
  • Address: 2601 Wyoming Blvd NE, Ste 117, Albuquerque, NM 87112
  • Phone: (505) 899-1448
  • Hours: M - F: 9am - 5pm
  • Website:
CRE Credit Repair Services of Albuquerque

CRE Credit Repair Services of Albuquerque works to remove or correct late payments, charge-offs, tax liens, student loans, bankruptcies and more. When disputing claims, it uses a “Seven Stage System” that leaves reporting agencies with no choice but to act.

  • Service areas: Albuquerque and surrounding areas
  • Address: Unlisted
  • Phone: (888) 799-7267
  • Hours: M - F: 8am - 7pm
  • Website:
Best Credit Repair

Best Credit Repair disputes inaccurate information, removes duplicates and demands that predatory lending companies make better repayment plans. It works to clean up your credit report at competitive rates so that your credit scores are an accurate reflection of your creditworthiness without breaking the bank.

  • Service areas: Albuquerque and surrounding areas
  • Address: Unlisted
  • Phone: (505) 226-1369
  • Hours: Unlisted
  • Website:

Scoreology scours your credit profile to catch inaccurate, misleading or out-of-date information. The business investigates questionable information and disputes it on your behalf. Scoreology also offers credit monitoring and credit education.

  • Service areas: Albuquerque and Farmington
  • Address: 100 Sun Ave. NE. #650, Albuquerque, NM 87109
  • Phone: (505) 273-3515
  • Hours: M - F: 9am - 5pm
  • Website:
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Profile picture of Kathryn Parkman
Kathryn Parkman ConsumerAffairs Research Team

As a member of the ConsumerAffairs Research Team, Kathryn Parkman believes everyone deserves easy access to accurate and comprehensive information on products and businesses before they make a purchase, which is why she spends hours researching companies and industries for ConsumerAffairs. She believes conscious consumption is everyone's responsibility and that all content deserves integrity.

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