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Best Credit Repair in Indianapolis, IN

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by Kathryn Parkman ConsumerAffairs Research Team

Indianapolis ranks in the top 10 cities with the lowest credit scores in the country. The average credit score in the city is 653, which is slightly lower than the state average of 660 and well below the national average of 680. If you want to improve your credit score, consider hiring a credit repair company in Indianapolis.

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Top 11 Indianapolis Credit Repair Companies

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    indianapolis skyline
    Credit repair fees average
    $50 - $175
    per month in Indianapolis

    Having a low credit score can put you at a significant disadvantage when making major purchases. If you have bad credit, you may have difficulty getting a loan or renting an apartment. Companies also charge people with low credit scores higher interest rates.

    Credit repair companies attempt to remove bankruptcies, repossessions, collections, late payments, medical debts, judgments and foreclosures from Indianapolis residents' credit reports. Removing these negative entries increases their customers’ credit scores, enabling them to receive better interest rates and be approved for loans.

    Before you hire a credit repair company in Indianapolis, do your research: get multiple quotes, compare costs and read reviews to find the right company for you.

    Credit repair regulations in Indianapolis

    Under federal law, it is illegal for credit repair companies to demand advance payment or make false claims. The Federal Trade Commission (FTC) requires credit repair contracts to be in writing. Contracts must also contain specific disclosures and contract cancellation rights.

    Indiana law also requires credit repair companies to provide consumers with a three-day right to cancel the contract. Companies must be bonded for $25,000 to satisfy consumer issues, so check with the State of Indiana to see if the business has filed for a surety bond before signing a contract. The Indiana Attorney General also provides a consumer fact sheet on Indiana legal requirements for credit service organizations.

    Indianapolis credit repair FAQ

    Is credit repair legal in Indiana?
    Yes, credit repair services are legal in Indiana. Indiana requires all credit service organizations to have a $25,000 surety bond to operate in the state.
    How much does credit repair cost in Indianapolis?
    In Indianapolis, the cost for credit repair services ranges from $50 to $175 per month. Monthly costs don’t include the one-time enrollment fee that many companies charge to set up your account and analyze your credit reports.
    How common are credit repair scams in Indianapolis?
    Credit repair scams are not common in Indianapolis. The Indiana Attorney General’s office has not issued a consumer alert for credit repair scams, but always watch for red flags when making any financial decision.

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      Indianapolis credit repair company information

      InCreditable Advisors

      InCreditable Advisors provides credit counseling, debt settlement and student loan consolidation services. Consumers have access to a 24/7 client portal, mobile apps and automatic email alerts. The company employs FICO-certified professional and certified credit consultants.

      • Service areas: Indianapolis, Plainfield and surrounding areas
      • Address: 22 E. Washington St., Ste. 640A, Indianapolis, IN 46204
      • Phone: (317) 202-1297
      • Hours: M - F: 9am - 6pm
      • Website: creditindy.com
      National Credit Fixers

      National Credit Fixers helps consumers remove negative items from their credit reports, including bankruptcies, foreclosures, repossessions, late payments and collection accounts. The company has educational resources for credit building, FICO and credit cards on their website.

      • Service areas: Indianapolis
      • Address: Serves Indianapolis residents
      • Phone: (888) 623-4937
      • Hours: M - F: 9am - 6pm
      • Website: nationalcreditfixers.com/indianacreditrepair.php
      Credit Dispute Cloud

      Credit Dispute Cloud helps consumers with credit analysis and credit report consultations. The company also assists with error correction and removal, identity theft recovery and fraud. Clients have 24/7 access to their online accounts. The company has helpful financial education resources on its website.

      • Service areas: Indianapolis metro area
      • Address: 201 N. Illinois St., Ste. 1600, Indianapolis, IN 46204
      • Phone: (800) 714-1792
      • Hours: M - F: 9am - 5pm
      • Website: creditdisputecloud.com
      Greenline Credit

      Greenline Credit helps its clients improve their credit score by removing negative items such as medical collections, student loans delinquency and late payments. The company provides a 24/7 secure client portal so clients can monitor their progress.

      • Service areas: Indianapolis metro area
      • Address: 8425 Woodfield Crossing Blvd., Ste. 100, Indianapolis, IN 46240
      • Phone: (317) 855-9007
      • Hours: By appointment
      • Website: greenlinecredit.com
      Promise Credit Solutions

      Promise Credit Solutions helps consumers repair their credit and protect their identities. The company works to remove late payments, repossessions, foreclosures and other items that negatively affect credit scores. Other services include ongoing fraud alert assistance and credit counseling.

      • Service areas: Indianapolis metro area
      • Address: 152 E. New York St., Indianapolis, IN 46204
      • Phone: (317) 556-5008
      • Hours: M - F: 9am - 7pm
      • Website: promisecreditsolutions.com
      Jenks Credit Repair

      Jenks Credit Repair works with creditors and credit bureaus to fix credit scores. The company also offers debt consolidation services. Jenks Credit Repair provides financial education resources and tools to help its customers rebuild and maintain good credit.

      • Service areas: Indianapolis metro area
      • Address: 6751 E. 38th St., Indianapolis, IN 46226
      • Phone: (317) 515-8496
      • Hours: M - Th: 8am - 8pm; Fri: 8am - 5pm; Sat: 9am - 12pm
      • Website: jenkscreditrepair.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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