Best Credit Repair Companies in Atlanta, GA

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Understanding our review process

Shortlisted companies for Atlanta credit repair met several requirements. They have demonstrated high trust, from outlining their repair process to gathering reviews from past customers. The companies have disclosed their pricing packages, making it easier to gauge their affordability.

Stage 1
Deep Dive

The first step involved gaining a firm understanding of the service under consideration. This was done through a comprehensive check of all website pages, social media pages, and third-party services.

Stage 2
Trust Verification

At this stage, our experts watched out for any peculiarities with the services that could indicate suspicious behavior, for instance, failing to disclose their work process or not providing a verifiable physical address.

Stage 3
Suitability Matching

Our experts considered if the services matched the client’s expectations in terms of price or service features. We left out companies that lacked standard features such as modern portals or services charging abnormal rates.

Stage 4

We tried to rate and score the companies across the key focus points, making it easier for our experts to generate the rankings and find the best performers. Only the best companies passed the tough qualification process to be considered for Credit Repair in Atlanta.

Stage 5
Review Prep

With deep insights into the operations of different Atlanta Credit Repair Companies, our team of passionate experts had all the knowledge needed to prepare an in-depth review touching on all major aspects that customers care about.

Top-7 Atlanta Credit Repair Companies

To this day, many residents of Atlanta may struggle with finding reputable companies licensed to offer services in the state. That’s because Georgia has stringent credit repair laws, which does more harm than good. About a decade ago, new regulations made all credit repair services illegal unless offered by attorneys and selected entities.

Now, these services are crucial for Atlanta residents. Georgia had the fifth-worst credit score at 689, while Minnesota had the highest rating at 739 in 2020, as reported by CNBC.

The best credit repair companies in Atlanta GA don’t necessarily use secret techniques to challenge the bureaus that ordinary citizens are not purview to. They do everything above the board by following the requirements of the Credit Repair Organizations Act. Your best bet is to work with trusted credit repair companies with national acclaim, and you can consider the following options:

  • Lexington Law
  • The Credit People
  • Zorro Credit, Atlanta
  • Credit Repair Lawyers of America, Atlanta
  • Buckhead Credit Repair, Atlanta

Lexington Law

  • Utilizes digital partnerships for faster outcomes
  • The most popular credit repair app on Android and iOS
  • Founded and operated by attorneys
  • A Progrexion Holding Inc Consumer Brand
  • Highly experienced with 221M+ challenges since 2004
BBB Rating: C
Setup fee: $89-$129
Monthly fee: $90-$130
  • Offers coaching to encourage good credit behaviors
  • Leverages each angle of the law for better success
  • Known for fast and effective disputes
  • Monitors each aspect of the service through the app
  • Offers dedicated focus tracks to deal with life events such as divorce
  • Packages have become expensive
  • No service guarantee or refund policy
  • Not BBB Accredited

John C. Heath serves as the Georgia lawyer, providing the backing for clients to dispute credit mistakes. Customers can choose from three affordable packages ranging from $89.85 to $129.95. The firm’s packages are a good alternative to the steep rates charged by credit repair lawyers in Atlanta GA. A team of paralegals also provides one-on-one support.

  • Support hours: 6 a.m. – 10 p.m. Mon-Fri, 7 a.m. – 9 p.m. Sat, MT
  • Phone number: 877-540-1344

  • Offers a credit improvement plan during the free evaluation
  • No long-term contracts - cancel any time
  • Provides mobile apps for case tracking and report updates
  • Reviews reports and items before recommending a package
  • 1 Million+ interventions since 2019
BBB Rating: D
Setup fee: $70-$120
Monthly fee: $70-$120
  • Saving money on the Direct plan at only $69.95
  • Lots of freebies during the free consultation
  • Utilizes the same technologies as Lexington Law
  • Sends updates thru text, apps, and email
  • Not highly reviewed by users
  • Lacks a money-back promise
  • Not BBB Accredited is one of the largest credit repair firms in the nation, serving over 800,000 people since 2012. Customers can select from three pricing packages, ranging from $69 to $119.

  • Phone number: 1-800-232-6499
  • Support hours: 6 a.m. – 10 p.m. Mon – Fri, 7 a.m. – 9 p.m. Sat, 7 a.m. – 8 p.m. Sun MST offers the most affordable services for credit repair in Atlanta. Clients only pay about $49.99 per month. They provide an in-depth legal credit audit and other extra features, such as Goodwill interventions. The attorney-founded company has served clients since 1997.

  • Phone number: 1-800-750-1416
  • Support hours: 24/7

The Credit People

  • Refunds the last month’s payment to unsatisfied customers
  • Score tracking on TransUnion, Experian, and Equifax
  • Good track record of more than 15 years
  • Unlimited custom challenges
  • Offers a flat-rate six-month subscription at $74 less
BBB Rating: C+
Setup fee: $19
Monthly fee: $79
  • The lowest setup fee in the industry
  • Provides help beyond credit repair
  • No complex pricing options making it easy to start
  • Toll-free customer service lines
  • Mid-term cancellation without any charges
  • Free consultation doesn’t include a lot of value
  • No profiles or credentials of its experts

It’s one of the top credit repair companies known for offering a personalized approach to each client. Customers work with up to three different credit repair specialists to restore their credit. The monthly fee only goes for $79 per month, with customers paying an initial setup cost of $19.

  • Phone number: 866-382-3410
  • Support hours: 9 a.m. – 5 p.m. CST

Zorro Credit, Atlanta

Zorro Credit is a safe choice for local-based credit repair services in Atlanta. It has operated since 2004, serving more than 14,000 customers. They are now powered by Pyramid Credit Repair, also known for offering trusted services.

  • Phone number: (786) 780-2182
  • Support hours: 8 a.m. – 6 p.m., Mon-Sat
  • Physical Address: 635 Jett St NW, Atlanta, GA

Credit Repair Lawyers of America, Atlanta

If you’re looking for credit repair attorneys in Atlanta to intervene in complex cases, you can consider this firm. Clients don’t pay them out of pocket for their fees. Rather, they collect their cut following successful suits against the CRAs, debt collectors, or creditors.

It’s one of the top-rated credit repair companies in Atlanta, with a track record of over 13 years. Customers receive a free consultation with their attorneys.

  • Phone number: (404) 591-6680
  • Service hours: Mon-Fri 8 a.m. – 5 p.m.
  • Physical Address: 3355 Lenox Road #750, Atlanta, GA, 30326

Buckhead Credit Repair, Atlanta

Buckhead Credit Repair is another homegrown firm offering credit repair online services. The service also sells access to premium authorized user accounts. Buckhead accepts customers nationwide, but we recommend calling first as they have not been active of late on their social media channels.

  • Phone number: (470) 391-0300
  • Support hours: Mon-Fri 8 a.m. – 5 p.m.
  • Physical Address: 3500 Lenox Rd Suite 1500, Atlanta, GA, US 30326
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Credit Repair in Atlanta

During our research for companies offering the best credit repair in Atlanta, our experts uncovered companies still advocating for illegal credit clean-up techniques. They prey on consumers hard-pressed to raise their scores fast to access loan products.

One technique still taunted involves the use of credit sweeps. It entails lying that you have been a victim of identity fraud. This prompts the credit bureaus to reinvestigate all entries, with the hopes that certain creditors may fail to verify the information resulting in deletions.

Another illegal technique that propped up during investigation is the promotion of Credit Private Numbers (CPNs). These companies state that customers can use the numbers in place of actual SSNs during loan applications. The vendors who offer them claim that they are perfectly legal because of the U.S. Privacy Act. Using CPNs is not acceptable and may land you in much more trouble.


Yes, credit repair is legal in Georgia. Now, the law specifies that the services must be offered by nonprofits, attorneys, or FDIC-insured banks. Lenders, registered financial advisors, and real estate brokers may offer credit assistance in some cases.

Any entity offering credit repair services must follow the provisions of the Credit Repair Organizations Act. It specifically prohibits firms from charging upfront fees or making false claims.

The best credit repair companies in Atlanta GA charge anywhere from $49 to $129 per month. Customers will pay an initial work fee charged for preparing the first round of disputes.

It’s essential to have an error-filled credit report that accurately reflects your creditworthiness. Some material mistakes may significantly reduce your scores, resulting in credit denials.

However, credit repair cannot substitute debt repayment. If you have a high outstanding level of debt, consider ways to reduce it such as negotiating a settlement or enrolling in a debt management strategy.

It’s difficult to predict the score increase you’ll get by working with reputable Atlanta credit repair companies. Basically, it will depend on the type of errors they successfully remove. For instance, by removing a late payment entry, your credit score may improve by more than 10 points depending on your credit profile makeup.