AI-Driven Credit Repair
The Credit Pros logo

The Credit Pros

    • The Credit Pros has been in business for more than 10 years.
    • Provides one-on-one consultations with a Certified FICO® Professional, unlimited dispute letters, debt validation letters to creditors, goodwill letters to creditors and cease and desist letters to collection agencies.
    • 3 credit repair packages to choose from, with the lowest package priced at just $69/month plus a $119 sign-up fee.
    • All packages include 24/7 access to a client portal, as well as ID Cover Darkweb monitoring, TransUnion alerts, real-time account sync, bill reminder and a budgeting system.
    • A streamlined sign-up process only takes 90 seconds.
In Business Since 1989
Sky Blue Credit logo

Sky Blue Credit

    • Sky Blue has been in business since 1989, which says a lot about the company.
    • Condition-free 90-day refund policy
    • One tier service takes the guesswork out of choosing a package that is right for you.
    • Priced at just $79 per month, and $40/month for additional members, Sky Blue is an extremely affordable option for credit repair.
    • Every single feature is included in the $79/month package, including Pro Analysis, 35-day dispute cycle, customized dispute and re-dispute letters, score assistance, debt validation, goodwill letters, cease and desist letters, credit rebuilding, and access to phone support.
    • Ability to pause the membership for a month if needed
    • Includes a couple’s discount, with the total monthly cost for a couple at just $119/month.
Almost 1.5 Million Credit Issues Removed
The Credit People logo

The Credit People

    • The Credit People has been in business for over 15 years and has had nearly 1.5 million credit issues removed for their customers.
    • Provides your credit reports and scores when you begin working with them.
    • Includes access to all 3 credit reports and scores
    • Provides a 24/7 online account access for easy credit management
    • Could help you with credit report issues such as late payments, collections, charge-offs, foreclosure, repossessions, bankruptcies, tax liens, judgements and more.
    • Provides a free credit evaluation so that you can see if The Credit People are a good fit for you.
    • Includes live customer service through phone, chat or email
    • Offers a satisfaction guarantee where you can cancel at any time and not be charged for that month, plus get a refund for the prior month’s payment.
    • Pricing is either $79/month or $419 for 6 months, with all of the features and services included.
24/7 Phone Support
Pyramid Credit Repair logo

Pyramid Credit Repair

    • Pyramid Credit Repair has 10+ years of experience in fixing credit.
    • Provides 24/7 phone support and dedicated account managers, making it easier to work with them and ask any questions
    • Includes a free credit repair evaluation
    • Individual start at a competitive $79/month, though the couple’s package is $299/month, making it significantly more expensive than what some of the other credit repair companies offer for couples.
    • Includes an online dashboard, monthly progress reports, creditor interventions, score analysis, custom dispute process, text and email alerts and more.
    • Offers a 90-day money back guarantee.
BBB Accredited
Credit Saint logo

Credit Saint

    • Credit Saint has been in business for 15+ years and is a BBB accredited credit repair company
    • Includes a 90-day money back guarantee
    • Includes a free credit consultation
    • 3 credit repair packages to choose from: Credit Polish, Credit Remodel and Credit Premium, with prices ranging from $79.99/month to $119.99/month, plus an initial work fee.
    • All packages include a score tracker and a score analysis
    • All packages include an online dashboard with full analysis and progress reports.
CreditRepair.com logo


    • Has helped with over 7.5 million removals on behalf of their members since 2012.
    • Has sent more than 23 million disputes and challenges on behalf of their members.
    • Provides a free consultation where you learn your credit score, negative item summary and recommended credit solutions
    • Pricing starts at just $49.95, making CreditRepair.com one of the most affordable credit repair options.
    • Works with all 3 credit bureaus.
    • Provides ID Theft Insurance, FICO® score update, bureau challenges and disputes, creditor interventions, a personal online dashboard, score tracker and analysis, email and text alerts and more.
Most Clients Served
Lexington Law logo

Lexington Law

    • Includes a free credit report consultation.
    • Has been helping people fix their credit since 2004.
    • Lexington Law has had an astonishing 77 million items removed from their customers’ credit reports.
    • While not all credit repair companies are lawyers, Lexington Law is a law firm.
    • Provides 3 levels of credit repair: Concord Standard, Concord Premier and Premier Plus.
    • According to their website, 77% of their clients who have had their credit scores improved saw an average increase of 40 points.
    • Provides a military and spouse discount.
    • Includes Fraud Alert and Identity Protection

If you are drowning in credit card debt or medical debt and can’t keep up with your payments, chances are your credit score has already started to take a hit. As your credit score drops things will start to get more costly from insurance premiums to loans which can end up making you get even further behind. Instead of letting debt bury you in a cycle of late payments that end up lowering your score, get help while you still can. Credit repair companies in Washington can help you consolidate your debt and repair your credit at the same time.

Overview of the credit industry in Washington

Washington state is one of the more expensive states to live in. It has a much higher than average cost of living, with real estate and transportation costs far above the national average. These higher costs are likely related to the credit card debt levels in the state. The average person in Washington has credit card debt of $5,487, nearly $300 above average in the US.

As much as the debt levels are higher in Washington, credit scores are also high. The average person in Washington has a credit score of 734, 20 points above the national average. This is a solid credit score, but not everyone fits into this category. If you’re having problems raising your credit score or you need to improve a low credit score, one step you can take that can help is credit repair.

Laws that affect credit repair in Washington

The Credit Services Organization Act (RCW 19.134) is a state law that applies some specific restrictions to credit repair companies operating in Washington. The main regulations put into place by this law include the requirements to:

  1. Maintain a valid surety bond of no less than $10,000
  2. Offer full refunds to customers who request it within 10 days of the contract being signed
  3. Provide a cancellation period of no less than 5 business from signing the contract
  4. Include specific credit repair disclosures in all customer contracts

Federal law also applies to these organizations, no matter where they operate in the country. In this case, the Credit Repair Organizations Act (CROA) applies to any companies offering credit repair in the state of Washington and elsewhere. This law provides basic consumer protections, including limiting the way companies can communicate about credit repair to potential customers and how they can collect payments for service.

What Is Credit Repair?

Credit repair is the process of removing derogatory marks from your credit report. A credit repair company typically will start by disputing items that are inaccurate such as wrong amounts and accounts that do not belong to you. They will then work with creditors to bring accounts up to date and remove derogatory entries such as late marks and past due marks. Depending on what is listed on your credit report and your long-term goals, they may ask you to consolidate your debt in order to help improve your score. Professional credit repair services in Washington will do many of the things you are able to do on your own to fix your credit, however, they have the time and knowledge to get it done more efficiently.

Do you need a lawyer to do credit repair in Washington?

There’s no requirement to work with a lawyer for credit repair in Washington. It’s a common myth that you have to get legal assistance for this service, but it’s actually not the case. Any company following Washington state laws as well as federal laws is an option for you. You have a lot of freedom to choose which company you want to work with to settle your credit report mistakes.

Credit repair process in Washington

In Washington state, credit repair involves 3 steps. They usually happen in this order:

Step 1: Getting your personal credit reports  

To start, you need to request your credit reports from the 3 recognized credit bureaus in the US. These companies have been operational for years, collecting records of credit-related transactions you do and compiling them into credit records. The primary use of your credit reports is to calculate your credit score and to serve as a record of how you handle debt. As a consumer, you’re entitled to request at least 1 free credit report from each of the 3 bureaus every 12 months.

Step 2: Credit report analysis

Once you’ve obtained your credit reports, either as a digital copy or a physical paper copy, you need to spend some time going through all the entries. Since entries can go back even as far as 7+ years, there are likely a lot of entries to check. What you’re looking for is inaccurate information or false entries on any of the 3 reports. If you find any entry that contains incorrect information or that is on your credit report without reason, this means you need to move on to step 3.

Step 3: Disputing inaccuracies from your reports

The final part of credit repair happens when you find issues on any of your credit reports. These errors need to be amended, but you can’t do it yourself. The most common way to have issues with your credit report fixed is to send in a dispute letter to each relevant credit bureau to alert them about the mistake and request a corrective action.

Note: Although these actions all seem simple in isolation, the process of credit repair can take longer than you think. It’s not as simple as it sounds, especially if you identify errors that need to be corrected by a credit bureau. There’s usually a lot of communication that needs to happen before anything is resolved, which is why it’s good to have a reliable credit repair company on your side to keep your case in front of someone’s eyes as much as possible.

Can A Credit Repair Company Really Help With My Score?

When you have bad credit, it may seem like you can never get away from your debts and negative history, but there is help available. A professional Washington-licensed credit repair company will be able to get rid of inaccuracies on your credit report that can increase your score by as much as 200 points, depending on your individual situation. They can also work with your creditors to consolidate your debts and in some cases remove derogatory marks as your accounts are brought into good standing. Just keep in mind that repairing your credit only works if you also make an effort to manage your money more effectively going forward.

Credit Counseling in Washington

Many credit repair companies will also offer credit counseling along with their credit repair packages. In almost all cases you can avail yourself of this as a standalone service if you need help learning how to manage your credit and your financiers more efficiently. Credit counseling will give you the tools and the knowledge you need to balance your budget and control your spending to prevent problems with your credit in the future. This is a good service for people who are on the verge of destroying their credit and those who are in the process of rebuilding their credit.

Common questions and answers:

How much can you improve your credit score in Washington?

In Washington, you can see a lot of improvement to your credit score when you have inaccurate information removed from your credit report. These false entries can be highly detrimental when calculating your credit score, so having them removed will make a significant difference for you in both the short-term and the long-term as you continue improving your credit score.

How much does it cost to fix your credit in Washington?

The cost of credit repair in Washington varies depending on which company you work with. You can pay anything from $59 - $199 per month for this service, with the average cost being between $89 - $129 per month. Most companies will also add on a contract setup fee as a one-time charge when you begin working with them.

How long does the credit repair process take in Washington?

Credit repair is not a quick service. The average time it takes to finish the credit repair service in Washington state is 3 – 6 months. Even though credit bureaus need to respond to dispute letters about legitimate issues within 30 days of receiving them, this is not a guarantee that their investigation will conclude by this time. There’s no way to predict how long it will take, but if you assume the average time, you can plan accordingly.

Are there any cities in Washington where you cannot do credit repair?

All cities in Washington state are eligible for the same exact credit repair services as each other. There are no limitations on who can access credit repair if they’re working with a company that’s abiding by state and federal laws on credit repair operations. That means that whether you live in Seattle, Spokane, or Tacoma or a smaller city like Tukwila, Cheney, or Quincy, you can expect to have the same options when you need credit repair service.

Get help with credit repair in Washington:

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