Credit Repair in Maryland | The Only Options Worth Your Time

Updated: 19th Mar 2021
Written by Kim Pinnelli
Share this article
Delta SkyMiles® Gold American Express Card Review
Capital One Quicksilver Cash Rewards Review
March 19, 2021
Written by Kim Pinnelli

Disclaimer: This post contains references to products from one or more of our advertisers. We may receive compensation (at no cost to you) when you click on links to those products. Read our Disclaimer Policy for more information.

Are you thinking about hiring a credit repair service in Maryland? Before you do, know what to look for and which credit repair companies are legit.

Your credit score is one of the most important pieces of your financial puzzle, so proceed with caution.

Is Credit Repair legal in Maryland?

Credit repair is legal in Maryland, but you should always protect yourself by making sure you use a legitimate company.

There are plenty of companies that are a scam, but also plenty that offers reputable credit repair services in Maryland.

Should I Use a Credit Repair Company or Do It Myself as a Maryland Resident?

Credit repair is something anyone can do. You don’t have to pay a company to do it, but if you don’t have the time or the process overwhelms you, don’t be afraid to use one of the credit repair companies below.

Credit Repair Companies in Maryland

#1. Credit Saint

Credit Saint is one of the top credit repair companies in Maryland. They offer a free consultation to help you determine if they can help you and a 90-day money-back guarantee.

Credit Saint disputes debts from Equifax, Experian, and TransUnion. Their top package includes an unlimited number of disputes, and their lower packages have limits, but they are still pretty generous. They also offer a score analysis and will do credit interventions.


  • Price: $79.99/month – $119.99/month
  • Packages: Their top package, the Clean Slate, is the most popular, but they also offer the Credit Polish and Credit Remodel plans, which are cheaper
  • Results: Most consumers see a change in 30 – 60 days

Learn More: Credit Saint Review

#2. Sky Blue Credit

Sky Blue Credit has been in the credit repair industry for over 30 years. They have just one package, so there’s less stress involved in choosing a product.

The Sky Blue professionals analyze your credit and do up to 5 credit disputes per credit bureau each month.

They create a custom letter to send to your creditors, so they have a better response than a standard ‘cookie cutter’ letter. Sky Blue, like Credit Saint, offers a 90-day money-back guarantee.


  • Price: $79/month
  • Packages: One option
  • Results: Most consumers see a change in their credit within 60 days

Learn More: Sky Blue Credit Repair Review

#3. Lexington Law

Lexington Law, as the name suggests, is run by lawyers in Maryland. Each professional has distinct experience fighting for your credit rights. Lexington Law has thousands of clients at one time and offers three packages to help repair your credit.

Lexington Law offers a consultation, credit score monitoring, and disputes with each bureau.

The larger plan also disputes inquiries and offers a credit score analysis as you try to build your credit up again.


  • Price: $89.85 – $129.95/month
  • Packages: Three options: Premier Plus, Concord Standard, and Concord Premier
  • Results: Consumers report results within 2 – 4 months

Learn More: Lexington Law Review

#4. The Credit Pros

The Credit Pros is another reputable credit repair service in Maryland. I love that they offer a free consultation to start the process.

In this consultation, they review your credit and determine the most damaging areas to focus on.

The Credit Pros offers various plans, from the most basic credit monitoring to a full-blown package that includes credit monitoring, credit disputes, and even debt validation sent to your creditors.


  • Price: $19 – $149/month
  • Packages: Four options: CreditSentry Monitoring, Money Management, Prosperity Package, and Success Package
  • Results: Consumers report results within a couple of months

Learn More: Credit Pros Review

>> Want to Compare More Options? Check out our round up of the best credit repair companies.

How to Choose a Credit Repair Company in Maryland

#1. Affordable Price

You should choose your credit repair service in Maryland based on its reputation, results, and cost.

Don’t choose a credit repair company you can’t afford, because as you can see above, they get up to $149/month.

#2. Strong Industry Reputation

Credit repair is a funny industry. There are great companies and those that are less than honest. Look for a company with a strong reputation for helping consumers not only fight their credit but also learn how to build their credit score up again.

#3. Customer Service

Dealing with your credit is a big deal. You want a credit repair company that is accessible and able to help you over the phone, via chat, or email as much as possible.

#4. Good and Consistent Results

The best credit repair company in Maryland is the one that provides consistent results. You want a company that knows the Maryland laws inside and out and will make sure all your creditors follow the law when reporting your credit history.

DIY Credit Repair in Maryland

Did you know you don’t have to pay a credit repair service to do your credit repair? DIY credit repair in Maryland is a viable option, and it’s not as scary as it sounds.

If you can write letters and follow templates, you are more than capable of disputing your own credit and saving yourself $79 – $149 a month.

You can start repairing your own credit by checking out our detailed guide on how to repair your credit. Also, we break it down into specific items:

Credit Repair Services in Maryland

As I showed you above, there are several good credit repair services in Maryland. The right one for you depends on what you need.

If you’re looking for a company that focuses on credit monitoring and will write credit dispute letters as you need them, The Credit Pros is a great option.

If, on the other hand, you want a company owned by lawyers who can fight for your credit rights, Lexington Law is a better option.

Credit Saint and Sky Blue Credit are also great companies if you’re looking for a credit repair company that has been in the business for many years.

Credit Repair Regulation in Maryland

Maryland is a state that requires credit repair services to have a surety bond. This helps protect consumers if you need to sue the company for violating your rights.

This is in addition to the federal laws that already cover credit repair services and protect consumers, which includes the right to have all agreements in writing and the ability to cancel the agreement within 5 days of signing it.

Maryland Credit Repair FAQs

How Much Does Credit Repair Cost in Maryland?

Credit repair cost in Maryland varies based on the company you use and the services needed.

Companies like Sky Blue Credit charge a flat $79 a month, while other companies’ various packages cost as little as $19 a month and as much as $149 a month.

Is Repairing Your Credit in Maryland Safe?

Credit repair in Maryland is often safe but always protect your financial and personal information. Make sure you’re dealing with a reputable company, and don’t share your information with anyone.

Can You Get a Free Credit Report in Maryland?

Whether you live in New York, California, or Texas, all U.S. Citizens can get a free credit report here.

Bottom Line: Credit Repair for Maryland

Now that you know which credit repair services in Maryland are legit and what you should look for, you can make your choices.

If you decide to DIY your credit repair, don’t worry. There are plenty of resources and support to walk you through the process, and you can be just as successful as a credit repair service too.

Keep Reading:

Kim Pinnelli
Kim Pinnelli
Kim is a personal finance expert with a Bachelor’s degree in Finance from the University of Illinois at Chicago. She has been freelance writing for 13 years for a number of large publications. Kim thoroughly enjoys helping people take charge of their personal finances.