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Best Credit Repair in Chicago, IL

Because so many Chicago residents struggle with debt and low credit scores, there is no shortage of credit repair companies in the area. Before you pay for credit repair services, it’s essential to understand the regulations in Chicago, costs, risks and some of the most commonly asked questions regarding credit repair.

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by Kathryn Parkman ConsumerAffairs Research Team

Discover the right credit repair company for you

We'll match you with the right company that knows what you need.

LabelCompany nameLogoContactSummary
Best Overall(478) 845-6310 Get a Free Quote Visit website
LabelCompany nameLogoContactSummary
Runner-up(888) 751-6072 Visit website

Top 13 Chicago Credit Repair Companies

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Sky Blue Credit Repair
Read 80 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.

Visit Website Toll free number (844) 729-7792
Lexington Law
Read 1,536 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.

Visit Website Toll free number (855) 464-9621
Credit Saint
Read 47 Reviews

Charges initial work fee from $99 to $195. Monthly fees range from $79.99 to $119.99. Provides a 90-day money-back guarantee. Refunds limited to payments made for 90 days of service only. Available nationwide.

Visit Website Toll free number (844) 598-8459
CreditRepair.com
Read 28 Reviews

Charges one-time $14.99 fee to pull credit reports. Monthly fee is $99.95. Average credit score improvement results within six months. No money-back guarantee. Cancel account anytime. Available nationwide.

Visit Website Toll free number (844) 211-7298
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.

Visit Website Toll free number (844) 335-5496
Chicago Credit Repair 79
Read Expert Review

Offers free credit report and consultation. Provides free credit improvement recommendations. Access basic credit repair services starting at $49.95 a month.

Credit Glory Chicago
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Offers a full refund if negative information isn’t removed from your credit report within 90 days. Average clients see a 103-point FICO increase in six months.

Illinois Credit Services
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Provides credit education to help you grow and maintain your credit. Charges $189 initial fee. Month-to-month service starts at $99. Does not bill clients until after each month’s service is complete.

Nationwide Credit Clearing
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Offers credit repair programs with an initial $249 fee. Charges an additional $249 to continue after 30 days. Prices drop to $39.95 a month as a maintenance charge if further efforts are required.

Raise Up Credit Repair
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Communicates with all three major credit bureaus on your behalf. Clients see up to 40-point score improvement in the first four months of service.

White Jacobs & Associates Chicago
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Works with an in-house law firm to create a personalized audit plan. Provides a program that lasts a maximum of six months. Clients typically start to see results in 30 to 45 days.

Zorro Credit Chicago
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Offers a free consultation call and monthly credit repair plans. Focuses on getting credit scores fixed as fast as possible. Most clients see results within 60 days of signing up.

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What to know about credit repair services in Chicago

Your credit score impacts how much purchasing power you have when it comes to buying big-ticket items, including houses and cars. A score above 700 or higher is generally considered excellent, but anything over 670 is deemed to be good. Chicago's average credit score is 648.

Chicago also ranks seventh-highest in the U.S. for identity theft incidents. This, along with unexpected medical bills, college debt and financial emergencies, means many Chicago residents are struggling with below-average credit.

Hiring a credit repair company is not a decision Chicagoans should make on a whim. It’s a very complex decision, and the service isn’t right for everybody. Before you hire a credit repair company in Chicago, it is essential to look at referrals, check online reviews and ask plenty of questions.

Credit repair regulations in Chicago

All credit repair companies are required to follow strict federal guidelines under the Credit Repair Organizations Act. Some of the protections under this law include:

  • Credit repair agencies can’t misrepresent their services
  • Credit repair companies must provide a written contract to the consumer
  • Clients are allowed three days to cancel the contract
  • Credit repair companies can’t charge for services that haven’t been performed

Be aware that there is no requirement for a credit repair company to obtain a license in Illinois. The only requirement is that credit repair businesses must be knowledgeable about the statute of limitation governing debt in the state.

Chicago credit repair FAQ

Is credit repair legal in Illinois?
Yes, credit repair is legal in Illinois. According to the Illinois Department of Financial and Professional Regulation, you can legally dispute information that you believe is inaccurate or incomplete. A credit repair company does this on your behalf, which is more convenient and saves time.
How much does credit repair cost in Chicago?
The average cost for credit repair in Chicago ranges from $100 to $150 a month. The cost of credit repair in Chicago varies based on the services you need and the company's specific pricing model. Some credit repair companies charge a flat rate per negative item they remove from your credit history. Other companies offer financial coaching and online programs to help improve your credit score and give you the tools to improve your score in the future.
How can I get a free credit report in Illinois?
According to the Federal Trade Commission, you are entitled to one free copy of your complete credit report every 12 months. There are only three credit companies are regulated through the U.S. government: TransUnion, Equifax and Experian. You can request reports online, over the phone or by email.
How do credit repair companies work in Chicago?
Credit repair companies work on your behalf to negotiate with creditors. The staff’s job is to analyze and investigate items in your past that could be impacting your current credit score. The businesses sometimes also handle debt consolidation or offer financial counseling. Some credit repair companies charge a monthly rate for their services, while others charge per removal of negative credit report entries.

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    Chicago credit repair company information

    Nationwide Credit Clearing

    Nationwide Credit Clearing offers bronze, silver, gold and platinum credit repair packages as well as optional add-ons. All programs include a free credit report consultation, month-to-month payments, 24/7 portal access and email or text updates. Nationwide Credit Clearing obtains your credit report for you, handles the entire credit dispute process, monitors your credit and gives you 24-hour access to your credit status. The company offers a $50 discount when you sign up for one of their educational programs online.

    • Service areas: Greater Chicago
    • Address: 2336 N. Damen Ave., Chicago, IL 60647
    • Phone: (773) 862-7700
    • Hours: M - F: 8am - 5pm
    • Website: mynationwidecredit.com
    Credit Glory Chicago

    Credit Glory communicates with creditors and credit bureaus on your behalf. The business handles all legal paperwork and document processing. The company’s credit experts do not work on commission, so they never upsell or make unnecessary sales pitches. Around 94% of clients see a boost of 10 points in the first 35 days.

    • Service areas: Greater Chicago
    • Address: 625 N. Michigan Ave., Chicago, IL 60611
    • Phone: (312) 635-5187
    • Hours: M - Sun: 8am - 5pm
    • Website: creditglory.com/chicago
    White Jacobs & Associates Chicago

    White, Jacobs & Associates has developed a four-round process for accurate and impactful results. The company helps remove collections, repossessions, late payments and charge-offs from your credit history. It also offers credit coaching, debt settlement and assistance re-establishing credit.

    • Service areas: Greater Chicago
    • Address: Serves Chicago residents
    • Phone: (888) 505-9810
    • Hours: M -Th: 8am - 5:30pm; Fri: 8am - 12:30pm
    • Website: whitejacobs.com/credit-repair-chicago
    Zorro Credit Chicago

    Zorro Credit’s services include helping remove collections, charge-offs, repossessions and bankruptcies from your credit report. The company’s selection of different monthly credit repair plans makes it easy for Chicago residents on a budget to afford professional credit repair services.

    • Service areas: Greater Chicago
    • Address: 4500 S. Damen Ave., Chicago, IL 60609
    • Phone: (872) 204-2943
    • Hours: M - F: 8am - 8pm
    • Website: zorrocredit.com
    Illinois Credit Services

    Illinois Credit Services credit gives you all the tools you need to repair bad credit. The company files disputes with creditors on your behalf, sends letters to request the removal of inaccurate information and helps stop harassing phone calls by sending cease-and-desist letters. All customers have 24-hour access to their client portal. There are never any upfront fees, and you are not billed for work until it is completed. Customers typically see results within 30 to 45 days. Get a 50% discount for joint enrollments.

    • Service areas: Greater Chicago
    • Address: 16143 S. Lincoln Highway, Unit 201, Plainfield, IL 60586
    • Phone: (630) 427-8500
    • Hours: M - F: 9am - 6pm
    • Website: illinoiscreditservices.com
    Raise Up Credit Repair

    Raise Up Credit Repair has been helping Chicago residents restore their credit for years. Chicago residents appreciate the company’s customer service and strong communication. Raise Up specializes in quickly repairing credit so that customers can apply for loans, mortgages and credit cards.

    • Service areas: Greater Chicago
    • Address: 5958 W. Leland Ave., Chicago, IL 60630
    • Phone: (773) 839-6971
    • Hours: M - Sun: 8am - 6pm
    • Website: raiseupcreditrepair.com/credit-repair-chicago
    Chicago Credit Repair 79

    Chicago Credit Repair 79 challenges negative items on your credit report, including judgments, medical collections, tax liens and late payments. The company challenges entries on all three credit reports, keeps you informed via email or text and offers one-on-one in-office meetings. Customers can stay up-to-date on how many credit inquiries they have for $15 extra per month.

    • Service areas: Greater Chicago
    • Address: 2336 N. Damen Ave., Ste. 101, Chicago, IL 60647
    • Phone: (773) 862-4000
    • Hours: 24/7
    • Website: chicagocreditrepair79.com
    by 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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