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Find the Best Credit Repair in Baltimore, MD

In Baltimore, a low credit score limits your opportunities for loans, jobs and apartments. The Baltimore Sun has partnered with ConsumerAffairs to create this guide by comparing pricing and consumer reviews of 80 businesses and choosing eight favorites from the top credit repair companies in Baltimore.

Companies pay ConsumerAffairs to be authorized, and The Baltimore Sun and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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Compare Baltimore Credit Repair Companies

How to choose a credit repair company in Baltimore

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Hiring a reputable credit repair company in Baltimore can be challenging. These companies work on your behalf to dispute errors on your credit report and negotiate the removal of negative items. Look for a debt relief company that doesn’t require you to pay for services upfront and fully outlines your legal rights before starting.

You also want to consider which services are important to you. In addition to credit disputes, some Baltimore credit repair companies offer financial counseling and credit monitoring, where they watch your credit report to identify identity theft or negative factors. Depending on your situation and the severity of your case, your local credit repair agent may suggest one or all of its services to fit your needs.

How much does credit repair cost in Baltimore?

Baltimore credit repair companies typically charge between $60 and $100 per month. This cost usually covers monthly monitoring, credit counseling, credit report disputes and negotiation. Typically, services take between six and 12 months, meaning you should expect to pay $360 to $1,200 in total.

While advanced payment for credit repair services is against the law, setup fees are not. These fees typically include an initial investigation, a software and account fee and the cost of obtaining a credit report. Expect to pay $10 to $200 for your setup fee.

Credit repair laws in Baltimore

The federal Credit Repair Organizations Act makes it illegal for credit repair companies to demand upfront payments for services. It also requires all companies to provide contract details in writing and gives customers certain rights, like the ability to cancel within three days for a full refund.

Maryland established the Maryland Credit Services Businesses Act to help protect residents from credit repair scams. This act created additional guidelines that Maryland companies must follow. It requires all Maryland credit repair companies to be licensed by the Office of the Commissioner of Financial Regulation and follow other rules like not lying about services and not encouraging customers to lie about their situation or identity.

Baltimore credit repair FAQ

Can I buy a house if I have bad credit?

You can buy a house in Baltimore with bad credit if you find a lender to approve your mortgage. The problem is that your mortgage would likely come with a high interest rate. Going through credit repair before you buy can save you a lot of money in the long run. If you don’t have the time to wait for your credit score to improve, consider getting credit repair after you buy and refinancing as soon as possible.

Is it worth paying someone to fix your credit?

Sometimes. You can dispute inaccuracies and negotiate negative items on your credit reports yourself, but this process can take up a lot of your personal time. If you do not have the time, motivation or expertise to do so yourself, credit repair companies can handle the process for you.

Is credit repair legal in Baltimore?

Yes, credit repair is legal in Baltimore. Credit repair companies must abide by federal and state laws and be licensed and registered with the Office of the Commissioner of Financial Regulation.

Are credit repair scams common in Baltimore?

Unfortunately, financial instability creates opportunities for scammers. It’s important that you familiarize yourself with the Credit Repair Organizations Act and the Maryland Credit Services Businesses Act so you can tell whether a company is operating illegally.

What are the different types of credit repair services offered in Baltimore?

Credit monitoring, credit negotiation, item disputes and financial education are the main credit repair services offered in Baltimore. Customers usually require a combination of these services to solve their credit issues over the long term.

Baltimore credit repair company information

Credit Saint

Credit Saint offers free credit consultations and a 90-day money-back guarantee on its services. This company assigns a team of specialists to help you raise your credit score, and it focuses on finding positive ways to build your credit, including removing inaccurate entries from your credit report. Credit Saint’s specialists write custom disputes for every entry they challenge on your credit report.

Credit Saint Learn More (478) 845-6310

Sky Blue Credit Repair

Sky Blue Credit Repair simplifies the credit repair experience by offering all of its services for one monthly cost. This company writes 15 customized dispute letters per customer every 35 days. It also provides specialized services when needed, including cease and desist letters, goodwill letters and debt validation. All services come with a 90-day money-back guarantee.

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

The Credit Pros

The Credit Pros offers a variety of services with transparent pricing, including credit monitoring to help detect identity theft. It provides one-on-one consultations with a professional, during which you craft an action plan to improve your credit score. It offers four tiers of service, and it has options for unlimited dispute letters. The Credit Pros can also handle goodwill letters, cease and desist letters and debt validation.

The Credit Pros Learn More (844) 441-1397

The Credit People

The Credit People disputes negative items on your credit report and works with you to increase your score in other ways. It provides 24/7 account monitoring and access to your credit history and scores from all three credit bureaus. The Credit People offers free consultations and provides a satisfaction guarantee. Customers are able to cancel service whenever they'd like.

The Credit People

Credit Sweepers

Credit Sweepers helps consumers exercise their rights under the Fair Credit Reporting Act. This company has a unique pricing structure for its credit repair services. It charges a flat fee once the work is done — $750 for credit repair and $850 for bankruptcy cases. Its office is at 3701 Old Court Road, Ste. 9B, Pikesville, MD 21208.

Credit Sweepers

United Legal Finance Solutions provides bankruptcy filing, full-service credit restoration and do-it-yourself credit restoration. It should take 30 to 90 days to see results. If you’re not satisfied, you can cancel your service at any time and get a refund on your last month’s payment. The company’s office is at 100 Owings Court, Ste. 1, Reisterstown, MD 21136.

United Legal Finance Solutions

Cure My Credit

Cure My Credit claims to get clients’ credit scores above 700 in seven rounds of disputes or less. Clients also get access to an online portal they can check 24/7 to see their progress. This company provides free consultations by phone or in person at its office located at 1829 Reisterstown Road, Ste. 350, Pikesville, MD 21208.

Cure My Credit

CRE Credit Services

CRE Credit Services has a proprietary, seven-step process to raise clients’ credit scores. If you’re unhappy with its services, you can get a refund for whatever you paid minus an up-to-$75 fee per item removed from your credit score. This national company has 44 locations across the country, including its local office at 100 International Drive, 23rd floor, Baltimore, MD 21202.

CRE Credit Services