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Best Credit Repair in Portland, OR

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by Kathryn Parkman ConsumerAffairs Research Team

Credit repair services come in handy if you want to fix your credit score in a relatively short time. It's possible to repair your credit score without help, but many people in Portland find it tedious and complicated to navigate through reports and contact creditors. Hiring a credit repair company saves time and effort.

Top 9 Portland Credit Repair Companies

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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 76 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 1,503 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
CreditRepair.com
Read 25 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
Consumer Credit Auditors
Read Expert Review

Offers credit rescue plans for $150. Basic services start at $69 per month. Provides free consultations.

CRE Credit Repair Services of Portland
Read Expert Review

Provides free consultation with credit education. Specializes in removing or correcting late payments, tax liens, bankruptcies and repossessions.

Credit Team
Read Expert Review

Develops individualized plans for a $49 fee. Educates clients on how to understand and improve creditworthiness and achieve a better credit score.

Guardian Credit Repair
Read Expert Review

Provides individualized plans to help rebuild credit profiles. Clients can track the process 24/7.

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What to know about credit repair services in Portland

When comparing credit repair companies in Portland, consider the types of services each one offers. All credit repair agencies dispute incorrect entries in your credit report, but some also provide services for credit monitoring, debt negotiation and financial counseling for a fee.

The state of Oregon defers to the Federal Credit Repair Organization Act (CROA) to regulate credit repair companies. The law was put in place to protect consumers from credit repair companies that use dishonest business practices. It states that:

  • Credit repair companies can’t misrepresent their services
  • Credit repair agents must provide a written contract
  • Clients have three days to cancel their contract
  • Credit repair companies can’t charge clients before rendering services

Consumers can bring legal action for a full refund plus damages if a credit repair organization violates the CROA. The most important thing the CROA does is make it illegal for credit repair organizations to make false claims. The law is enforced by the Federal Trade Commission, which has the authority to shut down any credit repair company that violates these regulations.

Portland credit repair FAQ

Is credit repair legal in Oregon?
Yes, credit repair is legal in Oregon.
How much does credit repair cost in Portland?
The cost of credit repair services in Portland is typically between $50 and $100 per month.
Who regulates credit repair companies in Oregon?
Credit repair companies in Oregon are regulated by the Federal Credit Repair Organization Act (CROA), which sets guidelines that credit repair companies must follow.
How can you tell if a credit repair company is a scam in Portland?
In Portland, credit repair scammers often pressure their potential clients into paying large upfront fees. Any company that guarantees easy and quick credit repair should raise a red flag. Don’t fall for promises to remove negative information from your account if it’s accurate or to create a new “identity” that includes new social security or federal employer identification numbers. Remember that credit repair companies can only remove inaccurate or unfair information from your credit history.
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Portland credit repair company information

Consumer Credit Auditors

Consumer Credit Authority offers a $150 credit rescue plan, basic monthly services at $69 per month and advanced semimonthly services at $167 per month. The company provides free consultations and helps remove negative items from customers’ credit scores.

  • Service areas: Portland metro area
  • Address: 13500 SW Pacific Highway, Ste. 58-435, Tigard, Oregon 97223
  • Phone: (727) 487-2999
  • Hours: M - F: 9am - 5:30pm
  • Website: consumercreditauditors.com
Credit Team

Credit Team provides credit consultation and helps develop an individualized plan for each client for a $49 fee. The company doesn’t charge upfront fees and only requires payment after services are performed.

  • Service areas: Portland
  • Address: 61535 S. Highway 97, Ste. 5-754, Bend, OR 97702
  • Phone: (541) 791-1155
  • Hours: Call for hours
  • Website: creditteamrepair.com/portland-credit-repair
CRE Credit Repair Services of Portland

CRE Credit Services offers free consultations with credit education. CRE specializes in removing or correcting late payments, tax liens, bankruptcies and repossessions.

  • Service areas: Portland and surrounding areas
  • Address: 121 SW Salmon St., 11th floor, Portland, OR 97204
  • Phone: (888) 799-7267
  • Hours: M - F: 8am - 7pm
  • Website: crecreditservices.com/portland-or-credit-repair
Guardian Credit Repair

Guardian Credit Repair helps customers fix their credit scores through three steps: credit analysis, creating an individualized plan and removing inaccuracies. The program is accessible 24/7 to help customers track all of the updates.

  • Service areas: Serves Portland residents
  • Address: Tualatin, Oregon 97062
  • Phone: (727) 487-2999
  • Hours: M - F: 9am - 9pm
  • Website: guardiancreditrepair.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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