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Find the Best Credit Repair Companies in Baltimore, MD

Low credit scores have a high cost. Companies check your credit when you apply for loans, mortgages and some jobs. If your score needs improvement, credit repair companies may be able to help by removing incorrect information from your credit history. We researched the best credit repair services in Baltimore to improve your financial options.

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Compare Top Credit Repair Companies

Accredited Partner
Credit Saint
Overall satisfaction rating
  • 90-day money-back guarantee
  • Build new credit
  • Available in Baltimore
  • 3 levels of service

Improve your credit score!

Learn More (478) 845-6310 Read More
Accredited Partner
Sky Blue Credit Repair
Overall satisfaction rating
  • Quickest dispute pace
  • 90-day money-back guarantee
  • Over 25 years in business
  • Available in Baltimore

Sky Blue Credit Repair is a credit repair and restoration company. Their counselors are paid by salary, not commission. The firm offers help to individuals and families looking to clean up their credit histories and learn how to improve their financial lives and offers faster disputes than other companies with a rate of 15 items every 35 days.

Learn More (888) 751-6072 Read More
Accredited Partner
The Credit Pros
Overall satisfaction rating
  • No limit to number of disputes
  • Money-back guarantee
  • Consult a FICO-certified pro
  • Available in Baltimore

The Credit Pros is a national credit repair company dedicated to helping clients remove inaccurate information from their credit reports.

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CRE Credit Services
  • 25 years of experience
  • Tools to maintain your improved credit
  • Pay a fee for no longer than six months
  • Registered and bonded
Location
100 International Dr.
Baltimore, MD 21202
(888) 799-7267
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Max Score Credit
  • Certified & registered with NASCO
  • Founded in 2010
  • Monthly meetings with credit advisors
  • Provides training to take control of your credit
Location
100 West Rd., Ste. 300
Towson, MD 21204
(888) 554-9995
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Lexington Law
  • All 3 credit reports included for free
  • Available in Baltimore
  • More than 5000,000 clients helped
  • Cancel anytime
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Sky Credit Repair
  • M-F: 9am - 8pm
  • Sat: 10am - 3pm
  • Closed Sun
  • creditrepairbaltimore.org
Location
910 Argonne Dr.
Baltimore, MD 21218
(443) 218-6272

Credit repair in Baltimore

Baltimore Skyline

If you have a bad credit score, you’re not alone. The average credit score in Baltimore is 621, which is not only lower than the state average of 672 and national average of 675, but also among the worst in the nation. Baltimore ranks 98th out of the 100 largest U.S. cities in credit scores, according to research by LendEDU.

Credit Score Ratings

Credit Rank Credit Score
Excellent 750-850
Good 700 - 749
Fair 650 - 699
Poor 550 - 649
Bad 300 - 549

It’s easy to find yourself with poor credit in Baltimore. A few missed payments and a maxed-out credit card are all it takes to send your credit score into a nose dive. And rebuilding credit isn’t as easy as establishing good credit.

It takes an average of two to five years to rebuild credit by making payments on time and staying below your credit limit. And sometimes that’s not enough—negative information stays on your credit report for seven years and can be enough to negate even the best of rebuilding efforts.

How credit repair works

One of the quickest ways to improve your credit is to remove inaccurate negative entries that are lowering your score. While you have the right to a request a free copy of your credit history annually and dispute any incorrect information, the process can be time-consuming and confusing.

That’s where credit repair companies come in. Credit repair companies obtain and review your credit reports, identify items eligible for dispute and file disputes on your behalf. They also provide credit counseling, credit monitoring, cease and desist letters and goodwill letters.

Credit repair usually takes six months or more, and it can take more than a year to start seeing results on your credit score.

How to avoid credit repair scams in Baltimore

While comparing credit repair companies in Baltimore, it’s important to look for reputable businesses. Like many other financial industries, there are companies advertising credit repair that are scams. The U.S. Consumer Financial Protection Bureau has some tips on how to avoid credit repair scams.

Reputable company Scam company
Is transparent about the credit repair process Cannot answer specific questions about the services they provide
Is clear about costs, fees and what services will be provided Demands a large upfront payment before doing providing services.
Is honest about goals and expectations Makes promises of quick credit score changes or removals
Has experience and good reviews from previous customers Has little experience and poor or no customer reviews

By working with a reputable credit repair company in Baltimore to remove inaccurate information from your history, you may be able to raise your credit score. In addition, taking advantage of a company’s financial education resources will help you keep your credit score higher in the future.

Credit Repair Reviews

Accredited Partner

Credit Saint

Credit Saint assigns each client of a team of skilled professionals to give advice, file disputes and otherwise assist in rebuilding credit. The company offers a 90-day money-back guarantee and has an A+ rating with the Better Business Bureau. Baltimore customers rate the company highly for its fast and effective service.

Credit Saint Learn More (478) 845-6310
Accredited Partner

Sky Blue Credit Repair

Sky Blue Credit Repair provides a professional analysis of your credit report along with credit disputes, debt validation and goodwill letter services. The company also gives you access to resources and tips to help rebuild and maintain your credit score. Customers in Baltimore appreciate the upfront details and helpful team at Sky Blue Credit Repair.

Sky Blue Credit Repair Learn More (888) 751-6072
Accredited Partner

The Credit Pros

The Credit Pros has well-designed financial, credit monitoring and progress tracking programs to simplify your journey to a better credit score. The company offers a money-back guarantee if the service does not meet your expectations. Customers in Baltimore appreciate the company’s online tools and credit monitoring services.

The Credit Pros

CRE Credit Services

CRE Credit Services sets itself apart by charging monthly fees for no more than six months. The company has a solid track record and provides its clients with tools to keep their credit score in top shape. CRE Credit Services offers a free credit analysis and consultation with no obligation, and Baltimore customers appreciate the company’s professionalism.

CRE Credit Services

Max Score Credit

Max Score Credit is a Maryland-based company that uses an ACT (action, collaboration, training) system to help clients build and retain high credit scores. The company focuses on impacting all areas of the FICO scoring model to help improve your credit. Max Score Credit receives mixed reviews from Baltimore customers.

Max Score Credit

Lexington Law

Lexington Law has more than 20 years of experience in the credit repair industry and is one of the most well-known names in the business. The company employs lawyers and paralegals to dispute inaccurate information on your credit report. Baltimore customers say they were happy with the results of working with Lexington Law.

Lexington Law