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Best Credit Repair Companies in Boise, ID

Sept. 30, 2019, 4:02 p.m.

Having wrong information on your credit report can bring down your credit score and cause you to be rejected for car loans or home mortgages. Credit repair companies can help erase negative marks and raise your credit score. Our partners at ConsumerAffairs researched the best credit repair in Boise based on reputation and customer feedback.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. KIVI TV may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
Credit Saint

Improve your credit score!

VISIT WEBSITE
CALL CREDIT SAINT
(478) 845-6310
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#1 MOST POPULAR
Credit Saint
Credit Saint
Features
  • A+ rating with the BBB
  • 90-day money-back guarantee
  • Available in Boise
  • Work with a personal advisor
Read More
VISIT WEBSITE
CALL CREDIT SAINT
(478) 845-6310
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#2
Lexington Law
Lexington Law
Features
  • Cancel any time
  • Fraud alert & identity theft protection included
  • All 3 credit bureau reports included for free
  • Available in Boise
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VISIT WEBSITE
CALL LEXINGTON LAW
(855) 620-5873
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#3
The Credit People
The Credit People
Features
  • 32% avg. increase in credit score
  • Pay as you go, cancel anytime
  • Unlimited disputes
  • Available in Boise
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VISIT WEBSITE
CALL THE CREDIT PEOPLE
(877) 696-3650
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#4
Sky Blue Credit Repair
Sky Blue Credit Repair
Features
  • Quickest dispute pace in the industry
  • Analyzes your credit report for actionable fixes
  • Available in Boise
  • Only $69 per month
Read More
VISIT WEBSITE
CALL SKY BLUE CREDIT REPAIR
(888) 751-6072
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#5
The Credit Pros
The Credit Pros
Features
  • Available in Boise
  • Unlimited disputes
  • One-on-one action plan
  • ID theft restoration & insurance
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VISIT WEBSITE
CALL THE CREDIT PROS
(844) 441-1397
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#6
The Help Program
The Help Program
Features
  • Over 10 years in business
  • Disputes inaccurate & unverifiable information
  • Helped over 1,700 customers
  • Free consultation
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Location
633 W. Wisconsin Ave., Ste. 500
Boise, ID 53203
(208) 938-4032
#7
Advanced Credit Solutions
Advanced Credit Solutions
Features
  • Personal attention
  • Clients see increases by over 125 points
  • Scores should improve in 35 days
  • 20 years experience
Read More
Location
842 E. Winding Creek
Eagle, ID 83616
(208) 938-4032
#8
Continental Credit
Continental Credit
Features
  • Helped nearly 200 million Americans
  • Grassroots, personal approach
  • Zero automation
  • Credit report & credit score consulting
Read More
Location
Online services in
Boise, ID 83651
(866) 488-2066

Credit repair in Boise

Boise skyline

The U.S. has seen a gradual increase in credit scores since the 2008 financial crisis, and average scores are now at an all-time high of 675. As the average credit score in the U.S. is going up, so is the amount of money people are borrowing. Idaho residents have an average credit card debt of $5,817, slightly less than the national average of $6,354.

Having a lower credit score means you’re at a disadvantage when borrowing money from financial companies. Your credit limit might be restricted, and your loan and credit card interest rates will likely be considerably higher. It’s worth your time to clean up your credit reports, especially before making financial decisions that require a loan.

Any errors on your credit report can significantly lower your credit score. Legitimate credit repair companies check your credit reports to find information that could be disputed. If the dispute is successful, the company ensures the information doesn’t reappear after being removed. Here are examples of common errors credit repair companies encounter:

  • Accounts that aren’t yours
  • Legal actions that don’t pertain to you, such as bankruptcy
  • Misspellings and incorrect dates
  • Old debts that should be removed from the report
  • Pending debts that can’t be validated or verified

Choosing trustworthy credit repair in Boise

While credit repair companies can be helpful, the credit repair industry is crawling with scams. Finding a reliable and honest credit repair service will take research. It’s always best to check a company’s credentials and background.

Trustworthy companies should advise you on how to avoid further damage on any existing accounts and work with you to keep your credit score healthy moving forward. The companies should also give customers a three-day cancelation period and clear information on the cost of the service, which is a requirement of the Credit Repair Organizations Act. Although credit repair companies may charge you for the cost of accessing your credit reports, they should not demand advance payment for any services.

Credit Saint

Credit Saint

CALL CREDIT SAINT

(478) 845-6310 VISIT CREDIT SAINT

Credit Saint, a BBB accredited business, has been helping Boise credit holders improve their credit history for more a decade. Many customers in Boise appreciate the company’s employees’ transparency and honesty. All programs come with Credit Saint's 90-day, money-back guarantee.

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Lexington Law

Lexington Law

CALL LEXINGTON LAW

(855) 620-5873 VISIT LEXINGTON LAW

Lexington Law is a credit repair service known for meeting goals. In 2017, Lexington Law helped remove 10 million negative items from credit reports. They offer free consultations and reviews of your credit score. Boise residents praise the results achieved by the company.

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The Credit People

The Credit People

CALL THE CREDIT PEOPLE

(877) 696-3650 VISIT THE CREDIT PEOPLE

According to customers, The Credit People does what they claim to do, improving credit scores for their 100,000 customers. Clients can access their accounts anytime and are free to cancel with a refund thanks to the Unbeatable Satisfaction Guarantee. Customers appreciate this transparency and many were happy with the results.

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Sky Blue Credit Repair

Sky Blue Credit Repair

CALL SKY BLUE CREDIT REPAIR

(888) 751-6072 VISIT SKY BLUE CREDIT REPAIR

Sky Blue Credit Repair has been a reputable company since 1989, cleaning up credit report errors to help improve their customers' overall credit scores. Customer reviews from Boise praise the user-friendly online experience that is straightforward and manageable.

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The Credit Pros

The Credit Pros

CALL THE CREDIT PROS

(844) 441-1397 VISIT THE CREDIT PROS

Customers that sign up with The Credit Pros are given easy-to-read credit reports and personalized score insights. The company also provides careful credit monitoring to prevent identity theft. Customer reviews from Boise say the company’s coaching staff helped them raise and maintain their credit score.

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The Help Program

The Help Program

The Help Program is a local Boise company that provides credit repair services, expense tracking, mortgage consultation, down payment savings plans and overall financial analysis. Many Boise customer reviews appreciate the friendliness and local knowledge of the staff.

Advanced Credit Solutions

Advanced Credit Solutions

Advanced Credit Solutions has been helping improve credit scores for more than 20 years. Many reviews from Boise say it’s a trustworthy company that’s open with customers and friendly to those who are new to credit repair. Their website gives a list of proven results for people they have helped in the past.

Continental Credit

Continental Credit

Many customers appreciate Continental Credit’s free online consultation. The company’s staff believes in being adaptable when finding ways to meet your needs and expectations. Boise residents say the company’s credit repair specialists are thorough with their explanations of what needs to be fixed on a credit report.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.