Best Credit Repair in Tulsa, OK

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Written by Kathryn Parkman

Hiring a credit repair service is a smart option if you don’t have time to dispute errors on your credit report. Incorrect information in your credit history can lower your score and impact major purchases. When comparing credit repair companies in Tulsa, pay attention to how much they charge and if they have a money-back guarantee.

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Top 8 Tulsa Credit Repair Companies

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    What to know about credit repair services in Tulsa

    Credit repair services are useful for Tulsans who want to fix their credit scores in a relatively short time. These companies dispute identity errors, incorrect account statuses, data entry mistakes and balance errors directly with the credit reporting bureaus on their customers' behalf. Removing these negative entries can increase their clients' credit ratings.

    Before you sign a contract with a credit repair service in Tulsa, do your homework and thoroughly research the company’s history and reviews. Remember that credit repair companies can only remove inaccurate information from your credit history — if you have missed several payments or let accounts go into collections, a credit repair service cannot fix that. Any agency that promises to do so is likely trying to scam you.

    Credit repair regulations in Tulsa, OK

    Credit repair companies in Tulsa are subject to both state and federal regulations. All credit repair companies must provide clients with a copy of their contract. When you read the agreement, make sure it contains the following information:

    • Details of the services that you’re paying for
    • The amount of money you’re being charged
    • The date of the contract and the date by which the services are going to be performed
    • A specific time frame within which you can cancel the contract

    In Oklahoma, credit services organizations may not charge or receive payment before completing services unless the company has obtained a surety bond of $10,000. Regulations also prohibit Oklahoma credit repair businesses from making false representations when offering services. Furthermore, credit repair businesses aren’t allowed to advise a client to make any untrue or misleading statement to a credit reporting agency.

    Tulsa credit repair FAQ

    Is credit repair legal in Oklahoma?
    Yes, credit repair is legal in Oklahoma. Credit repair companies in Oklahoma are subject to both federal and state regulations.
    How much does credit repair cost in Tulsa?
    Credit repair services in Tulsa usually charge a setup fee between $40 and $100. Some credit repair companies charge a monthly service fee between $50 and $100, while others charge a flat rate per item removed from your credit report.
    Can I repair my own credit?
    You can repair your credit score without help, but it takes time and effort. It also requires some patience and a fair amount of research. Hiring a credit repair company lets you leverage its employees’ expertise to obtain favorable results.
    How can you tell if a credit repair company is a scam in Tulsa?
    Credit card companies that seem too good to be true are usually fraudulent. Don’t fall for promises to remove negative information that is accurate from your credit history. Stay away from companies that make unrealistic promises such as guaranteed point improvements or a “new identity.” Scammers also often pressure potential clients into paying high upfront fees without a contract.

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      Tulsa credit repair company information

      Expert Credit Repair

      Expert Credit Repair specializes in helping people with credit scores between 330 and 500. Clients get 24/7 account access to view activity, message staff members and track disputed items on their credit report. The company also provides educational resources for better credit management.

      • Location: Tulsa metro area
      • Address: 20 E. Archer St., Tulsa, OK 74103
      • Phone: (918) 205-1954
      • Hours: M - F: 9am - 5pm
      • Website:
      Scott & Swimmer Financial Group

      Scott and Swimmer Financial Group’s services include credit assessment and sending documentation to credit reporting bureaus. The company contacts all major credit bureaus on their clients’ behalf.

      • Service areas: Tulsa metro area
      • Address: 517 S. 40th W. Ave., Tulsa, OK 74127-8217
      • Phone: (918) 999-0087
      • Hours: By appointment
      • Website:
      Credit Score Consultants

      Credit Score Consultants specializes in helping people restore their credit. The company provides one-year contracts with flat-rate pricing to remove negative entries from clients’ credit reports.

      • Service areas: Tulsa metro area
      • Address: 9914 E. 100th St., Tulsa, Oklahoma 74133
      • Phone: (844) 336-6106
      • Hours: M - F: 8am - 6pm
      • Website:
      KeKe’s Credit Solutions

      KeKe’s Credit Solutions helps eliminate credit report entries related to bankruptcy, student loans, repossessions, judgments, foreclosures, liens, late payments, medical bills, evictions and other events that negatively affect your credit score.

      • Service areas: Tulsa
      • Address: 7468 E. 47th St., Bldg. 84-02, Tulsa, OK 74145
      • Phone: (918) 361-5117
      • Hours: M - F: 9am - 5pm
      • Website:
      Paramount Law

      Paramount Law doesn’t send letters to credit bureaus — the company contacts creditors’ representatives directly to resolve negative marks on clients’ credit reports. Counselors also advise on debt settlement and payment options. Pricing is based on individual credit reports and services requested.

      • Service areas: Oklahoma
      • Address: 4835 S. Peoria Ave., Tulsa, OK 74105
      • Phone: (918) 200-9272
      • Hours: M - F: 9am - 5pm
      • Website: