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Best Credit Repair in Atlanta, GA

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by Kathryn Parkman ConsumerAffairs Research Team

The average credit score in‌ Georgia is 654, which is 21 points lower than the national average. Atlanta residents with lower scores have a hard time securing competitive interest rates or opening new accounts with lenders. This may be an easy fix as many residents in Atlanta have low credit scores due to identity theft.

Top 8 Atlanta Credit Repair Companies

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Sky Blue Credit Repair
Read 78 Reviews

Charges $79 setup fee. Monthly fees start at $79. Typical customers see credit score improvement results within 30 days. Offers 90-day money-back guarantee. No cancellation charges. Available nationwide.

toll freenumber(844) 729-7792 Visit Website
Lexington Law
Read 1,515 Reviews

Provides free consultation and credit reports. Monthly fees range from $89.85 to $129.95. Customers see results within six months. No money-back guarantee. Cancel services anytime. Not available in Oregon or North Carolina.

toll freenumber(855) 464-9621 Visit Website
The Credit Pros
Read 35 Reviews

Setup fees range from $19 to $149. Monthly fees from $19 to $119. No money-back guarantee. Cancel credit repair services any time. Available nationwide.

toll freenumber(844) 335-5496 Visit Website
Buckhead Credit Repair
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Offers multiple levels of credit repair services. Flexible payment plans are available. Clients typically see results in 30 - 60 days. Six-month warranty for all services.

Credit Glory Atlanta
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Offers free credit consultations. Credit repair plans start at $99 per month plus a one-time setup fee. Most clients see results within 35 - 180 days. Provides a 90-day money-back guarantee.

Credit Repair Lawyers of America
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Provides free credit report reviews. No out-of-pocket litigation costs. Specializes in fixing identity theft and negotiating with debt collectors.

Galleria Credit Repair
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Provides free phone or in-person consultations. Multiple service packages are available. Options for those with public records and bankruptcies.

Point Boosters Credit Repair
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Offers free credit consultation with no obligation. Provides personalized credit repair solutions. Services include a 100% money-back guarantee with no long-term contracts.

atlanta skyline

Credit repair services in Atlanta

Atlanta residents with scores below 700 often turn to credit repair agencies for credit report disputes, credit monitoring, debt negotiation and ongoing credit counseling services. Most credit repair companies charge two ways for its services — either a monthly fee or per negative item removed from your credit report.

The average credit score is
654 in Georgia

To improve your credit score, credit repair companies dispute inaccurate or outdated items on your credit report. To do this, the credit repair company of your choice performs an initial inspection of your credit report, identifies any questionable items and works with you to gather corroborating documentation. Once it has built a solid argument as to the inaccuracies on your report, the company sends this information to the credit reporting bureaus to have the wrong items removed from your report, potentially raising your score.

Atlanta credit repair regulations

Credit repair agencies are banned in Georgia, but some exceptions allow firms to operate in Atlanta. According to Georgia Code 16-9-59, credit repair service organizations must operate as a nonprofit under Chapter 501(c)(3) of the IRS Tax Code or employ licensed lawyers whose practice includes credit repair assistance.

For companies that meet one of these requirements are also federally regulated by the Credit Repair Organizations Act (CROA), a law protecting consumers from predatory business practices. Credit repair companies are forbidden from misleading consumers through inaccurate advertising and cannot request payment until services have been performed. CROA also requires written contracts between credit repair companies and their clients that can be canceled within three days of signing.

Credit repair red flags

As with any situation where a person is in need, dishonest people are looking to take advantage. When comparing your options, remember to look out for any credit repair company that asks for payment before it renders services. Companies that make unrealistic promises or ask you to engage in questionable or illegal practices are also likely scams. You should file a complaint with the Federal Trade Commission if you feel you may be a victim of unethical business practices.

Atlanta credit repair FAQ

Is credit repair legal in Georgia?
Credit repair companies are illegal in Georgia, with a few exceptions. A company may act as a credit repair agency if they are a 501(c)(3) nonprofit organization or operate as an attorney within the scope of their license. Otherwise, it’s a misdemeanor to provide credit repair services in Georgia.
How much does credit repair cost in Atlanta?
The average cost of credit repair in Atlanta ranges from $50 - $150 per month, depending on the payment model used by your provider. Some credit repair agencies charge performance-based fees instead of a monthly fee. Other companies charge roughly $20 - $100 per item removed from your credit.
Where can I get a free credit report in Georgia?
By law, everyone is entitled to one free credit report from each of the three major bureaus each year. You can request your credit report online or contact a local credit repair agency, who usually include your reports in the initial consultation. This first meeting is generally free.
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Atlanta credit repair company information

Galleria Credit Repair

Galleria Credit Repair provides credit repair and debt settlement services. There are multiple credit repair packages available and options for those with public records, bankruptcies and collections accounts. Pricing varies on the type of credit issues, number of negative remarks and amount owed.

  • Location: Atlanta metro area
  • Address: 400 Galleria Pkwy., Ste. #1500, Atlanta, GA 30339
  • Phone: (470) 391-0303
  • Hours: M - F: 8am - 7:30pm; Sat: 8am - 3:30pm
  • Website: galleriacreditrepair.com
Credit Glory Atlanta

Credit Glory is a nationwide credit repair company. The company provides free phone consultations or in-person meetings for people in Atlanta. Most of its clients see a credit score improvement between 35 - 180 days after partnering with this company. It offers a 90-day money-back guarantee if the company isn't able to remove any negative remarks from your credit report.

  • Location: Atlanta metro area
  • Address: 1100 W Peachtree St. NE, Ste. #205, Atlanta, GA 30309
  • Phone: (713) 766-1595
  • Hours: M - F: 8am - 8pm; Sat - Sun: 8am - 5pm
  • Website: creditglory.com/atlanta/
Credit Repair Lawyers of America

The Credit Repair Lawyers of America is a team of legal experts who file lawsuits against companies that incorrectly damage consumers' credit scores. The guilty company or companies responsible for the damage pay all costs and fees, so these services are provided at no expense to you. Call for a free credit report review.

  • Location: Atlanta metro area
  • Address: 3355 Lenox Rd., Ste. #750, Atlanta, GA 30326
  • Phone: (404) 591-6680
  • Hours: M - F: 8am - 5pm; Closed Sat and Sun
  • Website: http://creditrepairlawyersam.com/
Point Boosters Credit Repair

Point Boosters Credit Repair is a veteran-owned company providing free credit consultations and money-back guarantees to ensure that you’re satisfied with the service you receive. It provides credit education and training to help maintain your credit health long-term. Cases are resolved within six months, with most taking between 90 to 180 days. Clients only pay for items that are removed or corrected on their credit report.

  • Location: Atlanta metro area
  • Address: 2295 Parklake Dr. NE #572, Atlanta, GA 30345
  • Phone: (888) 407-1207
  • Hours: M - F: 8:30am - 6:30pm; Sat: 9:30am - 1pm; Sun: Closed
  • Website: http://pointboosters.com/
Buckhead Credit Repair

Buckhead Credit Repair is a local credit repair company with six credit repair packages available. Its payment plans are flexible and can be customized to every budget, with most credit repair cases resolving up 30 to 60 days. The company provides a six-month warranty on all credit repair services. Buckhead Credit Repair is connected to a network of FDCPA lawyers who can represent you in the event of credit violations.

  • Location: Atlanta metro area
  • Address: 3500 Lenox Rd. NE, Ste. #1500, Atlanta, GA 30326
  • Phone: (470) 391-0300
  • Hours: M - Sat: 9am - 7pm; Sun: Closed
  • Website: http://buckheadcreditrepair.com/
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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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