Credit Repair Arizona

Getting your credit where it needs to be is a good idea regardless of where you live, and Arizona is no exception. So, how do you find the best firms for credit repair Arizona has to offer? Do local firms rank at the top, or do national brands score higher? For answers to these queries and a lot more, here’s our coverage of the best credit repair services in The Grand Canyon State.

Leading Arizona Credit Repair Companies

Lexington Law Logo

Lexington Law

Trusted attorneys helping to fix your credit

This Utah-headquartered company has been in business since 2004 and is the largest among the credit repair law firms in the US. The team’s vast experience—including the removal of over 50 million negative items from credit reports in nearly two decades—ensures that pretty much all your credit repair needs are fulfilled across its three payment plans.

  • Dispute letters: Yes
  • Score analysis: Yes 
  • Cease & desist: Yes 
  • Debt validation: Yes
  • Score tracker: Yes
  • Education: Yes
  • Mobile apps: Yes
  • Starting Price: $89.85 (initial work fee applies)
Credit Absolute Logo

Credit Absolute

Creating Credit Approvals

Boasting an A+ BBB rating, Credit Absolute is known for its credit counseling and customized restoration services. The Scottsdale-based firm was founded in 2012 and, apart from glowing customer reviews, has also won several industry awards for its services since then.

  • Dispute letters: Yes
  • Score analysis: Yes 
  • Cease & desist: Yes 
  • Debt validation: Yes
  • Score tracker: Yes
  • Education: Yes
  • Mobile apps: No
  • Starting Price: $299 (success fee)
CreditRepair.com Logo

CreditRepair.com

Credit doesn't have to be confusing.

Utah-based CreditRepair.com has been in the industry since 2012 and has helped clients with nearly 20 million challenges and disputes. The firm is also a prominent name among companies offering Arizona credit repair services and is known for its affordably priced plans, highly-rated mobile app, and strong credit education focus.

  • Dispute letters: Yes
  • Score analysis: Yes
  • Cease & desist: Yes
  • Debt validation: Yes
  • Score tracker: Yes
  • Education: Yes
  • Mobile apps: Yes
  • Starting Price: $69.95 (first-work fee), $69.95 (monthly)

 

The Credit Repair Agents Logo

The Credit Repair Agents

An easy way to get the credit repair process started!

What The Credit Repair Agents lacks in experience compared to the local offices of national firms, it makes up for with its simple process and personalized strategies to help clients restore their credit. For customers looking for local firms providing credit repair Arizona is home to, the Chandler-based firm is an excellent choice.

  • Dispute letters: Yes
  • Score analysis: Yes
  • Cease & desist: Yes
  • Debt validation: No
  • Score tracker: No
  • Education: Yes
  • Mobile apps: No
  • Starting Price: $179 (setup fee), $99 (monthly)

 

Arizona Credit Repair Laws

Companies or individuals providing credit repair services in the US are required to follow both federal and state-specific laws. The federal laws applicable to all credit repair in the US are the Fair Credit Reporting Act (FCRA) of 1970 and the Credit Repair Organizations Act (CROA) of 1996. 

Arizona credit repair companies are also governed by the state laws falling under Article 7, Chapter 11 of Title 44 (Trade and Commerce) of the Arizona Revised Statutes. Below, we’ve summarized the essentials of the credit repair act of Arizona.

Definition

A credit services organization refers to anyone who, with respect to a buyer’s extension of credit, sells, provides, performs, or represents that he can sell, provide, or perform any of the following services in return for money or other valuable consideration: 

Registration and Surety

Credit repair companies in Arizona have to obtain a surety bond to practice in the state. The bond amount is equal to 5% of the company’s total fees but not less than $5,000 or more than $25,000. The bond is in favor of the state or for the benefit of any person damaged by the violation of these statutes. 

The credit repair act of Arizona does not require companies to register with any government body. There are also no statewide requirements for a credit repair license in Arizona. However, certain cities and counties may require companies to obtain a license to practice within the city or county limits.

Information Statement 

Arizona credit repair companies need to provide an information statement to customers with the following information:

Arizona credit repair services have to maintain on file or microfilm for two years a copy of the information statement signed by the customer acknowledging its receipt.

Contract

Any contract between an Arizona credit repair organization and its customer has to be in writing, dated, and signed by the customer and must include the following:

Prohibited Conduct

For companies providing credit repair, Arizona forbids:

Arizona credit repair companies cannot attempt to seek a waiver from the customer for any rights.

Relief to Consumers

Reviews of the Best Firms for Credit Repair Arizona Has to Offer

Lexington Law

Pros: 

Cons: 

Thanks to nearly two decades in the credit repair business, Lexington Law’s team offers experience that places it among the top credit repair firms in the USA. The firm is based in neighboring Utah, but it also has a dedicated office in Phoenix. The local team is headed by Cody W. Johnson, an award-winning attorney licensed to provide credit repair for Arizona and Colorado. 

You can opt for three plans with the firm—Concord Standard ($89.95/month), Concord Premier ($109.95/month), and PremierPlus ($129.95)—depending on the severity of issues in your credit reports and the range of features you require. You also have the advantage of a well-designed mobile app for easy access.

Even with the lowest plans, Lexington Law offers unlimited bureau challenges and creditor interventions, not to mention legal assistance should you need a credit repair attorney in Arizona. While the monthly fees are more expensive than other Arizona credit repair services, the break-up across the three plans means that you can opt to pay less if you feel you don’t need some of the auxiliary services included with the higher plan. 

One significant concern is that the firm has been dogged by controversy recently because of the ongoing CFPB lawsuit for alleged misleading marketing. Its BBB rating has also been consistently poor, partly owing to the court case. That said, Lexington Law enjoys positive customer reviews and an excellent score of 4.7 on Trustpilot.

Credit Absolute

Pros: 

Cons: 

Credit Absolute is among the top homegrown credit repair companies in Arizona, with close to a decade’s experience helping locals remove negative items from credit reports and learn about maintaining strong credit. Founded and headed by Derick Vogel, an experienced credit repair professional, the firm provides personalized services that can address most of your credit-related issues.

On the flip side, like many firms with services limited to one state, Credit Absolute has a small team. This may affect the dedicated attention you receive, but the positive customer reviews indicate that this is not a significant concern. For the most part, you can expect a performance-driven process where the firm does all the heavy lifting on your behalf.

The more significant concern is the fee, one of the highest for credit repair companies in Arizona. The firm’s individual plan is priced at $299, while the doubles package costs $499. Apart from the core credit repair services, you get a lifetime membership, a personal portal, an in-depth credit audit, and access to a credit education library. 

The pricing also appears expensive because you have to pay an extra $15 to $30 per month for credit monitoring from a third-party provider. However, the fee is one-time and success-based, so the overall cost may turn out to be lower than what you shell out with other Arizona credit repair companies. Our concern is with the additional expenses listed in the FAQ section, making the actual cost difficult to figure out. Also, while the firm provides a 100% money-back guarantee, you could incur a $100 cancellation fee if you don’t comply with a few rules.

CreditRepair.com

Pros: 

Cons: 

CreditRepair.com is a brand owned by Progrexion, which also owns Lexington Law. However, both are independent firms with different teams and processes. The CFPB lawsuit against Progrexion has impacted both, but CreditRepair.com has continued to rank well in customer reviews for its high-quality services, including a strong team for credit repair in Arizona

The highlight of this Arizona credit repair services firm is the break-up you get across its three packages: Direct, Standard, and Advanced. The first-work fees for the three are $69.95, $99.95, and $119.95, respectively. The same amounts apply as monthly fees. The services included in each plan go up with the pricing, meaning that you have the option to opt for a cheaper plan if you don’t have significant issues with your credit reports. Also, look out for the firm’s occasional discounts, including a 50% discount for army veterans.

CreditRepair.com offers an efficient three-step process, which is easier to understand than what you get with many other credit repair companies in Arizona. The very informative website will further help your understanding of credit repair and related aspects. Plus, you get a highly rated mobile app to track your process, communicate with the team, and access different educational resources.

There are a few negatives, though. The firm has had a consistently poor BBB rating for a while. Another notable concern is that CreditRepair.com’s website gives no information on its team members, unlike many other leading firms. It talks about “experts,” but there’s little clarity on these team members’ experience.

The Credit Repair Agents

Pros:  

Cons: 

The Credit Repair Agents is a young Chandler-headquartered firm that has made quite a name for itself among Arizona credit repair services through its straightforward and customized process. It may not stand strong on experience against more established players, but it does offer other features that win it a place among Arizona’s top credit repair firms.

The firm is known for a simple process where it handles all correspondence with credit bureaus, creditors, and collection agencies on your behalf. Through the safe online portal, you can track the progress of your cases. There are a few services like credit monitoring and debt validation missing, so the firm suits you better if you are looking for the most cost-efficient, no-frills credit repair Arizona can offer. 

There are some issues with the pricing as the firm does not give the details on the website. You only get the figures when you click on the Start Now link on the website to enroll with the firm. The setup fees mentioned are $179 for singles and $225 for couples. The respective monthly fees are $99 and $159. 

Since customer reviews mention a success-based fee, it is confusing why the firm is quoting a monthly fee. In light of no other information provided by the firm, we suggest working out the details during your free consultation and reading the contract thoroughly to understand what the services will cost you.

Summary

Our ranking of the top firms for credit repair Arizona has to offer features a mix of both national and local players. Choosing the one that would meet your needs best meanwhile depends on your requirements and budgets. In any case, no matter which of these firms you choose to work with, you can look forward to a professional process and good value for money.