Best Credit Repair Companies in Wisconsin (2026)
Wisconsin has several registered local credit repair companies, including providers in Milwaukee, Racine, and Fond du Lac. Prices range from monthly plans under $100 to joint plans and longer credit repair programs.
Wisconsin also gives consumers a useful screening tool. Credit repair companies that fall within the state’s definition of a credit services organization must register with the Wisconsin Department of Financial Institutions.
Below are our national credit repair company picks, followed by Wisconsin companies with current first-party websites and active state registrations.
Credit Saint
Sky Blue Credit Repair
The Credit People
Other Credit Repair Companies in Wisconsin
Moore Affordable Credit
Moore Affordable Credit operates from 313 North Plankinton Avenue in Milwaukee. The company works with credit bureaus and creditors to address negative credit report information and gives clients online access to track progress.
Its current individual plan costs $99 per month with a $300 enrollment fee. Couples pay $175 per month with a $500 enrollment fee.
Both plans include a credit report analysis, a personalized credit improvement plan, work on inaccurate or outdated accounts, and continuing support.
Moore Affordable Credit also works with consumer, business, and mortgage credit. The company says there are no long-term binding contracts.
The Wisconsin Department of Financial Institutions currently lists Moore Affordable Credit LLC as a registered credit repair organization under certificate number 218.
The company lists 313 North Plankinton Avenue, Suite 207, Milwaukee, Wisconsin 53203.
EVORO Solutions
EVORO Solutions is based in Racine and provides credit repair, credit coaching, and separate credit access services.
Its individual credit repair plan costs $125 per month with no enrollment fee. The joint plan costs $225 per month and is designed for couples who want to work on their credit at the same time.
The credit repair plans include personalized strategy, dispute support, credit score optimization, continuing monitoring, progress tracking, and individual support.
EVORO also sells a $300 credit coaching package. That option includes three hours of education and strategy but does not include done-for-you credit report disputes.
The company says most credit repair clients see progress within three to 12 months. It does not guarantee a specific credit score result.
EVORO Solutions appears on the Wisconsin Department of Financial Institutions’ current registered credit services organization list under certificate number 240.
Credit Matters
Credit Matters is a Wisconsin company that has provided credit services since 2003. Its current office is at 804 South Park Avenue in Fond du Lac.
The company creates a custom credit repair plan for each client rather than relying on one standard dispute process. Its work includes credit report analysis, credit restoration, custom disputes, and credit education.
Credit Matters works with Equifax, Experian, and TransUnion. Its current customer materials show that it prepares individualized disputes and sends them on behalf of clients.
The company does not publish a clearly current credit repair price on its main service pages. Older agreements remain accessible through the website, but those prices should not be treated as current. Ask for the complete fee schedule before signing up.
Credit Matters says it has helped consumers with credit repair since 2003 and has built much of its business through referrals from banks and mortgage professionals.
The Wisconsin Department of Financial Institutions currently lists Credit Matters Inc. as a registered credit repair organization under certificate number 126.
The company lists 800-531-7279 as its main phone number.
The Credit Repair Shop
The Credit Repair Shop has operated in Milwaukee since 2006 and works with consumers who have collections, late payments, charge-offs, repossessions, foreclosures, medical debt, and other negative credit report information.
Its credit repair process uses what the company calls an 8 Point Validation System. The service includes credit report review, dispute preparation, follow-up work, and access to an online client portal.
One current service page lists a $375 flat rate that can be split into three $125 payments. Other publicly accessible forms on the company’s website show different pricing structures, so confirm the current total price in the contract before enrolling.
The company also works with debt validation and settlement-related issues. It says consumers make settlement payments directly rather than sending money to The Credit Repair Shop for distribution to creditors.
The Credit Repair Shop does not guarantee a specific result or completion date in its current contract materials.
The Wisconsin Department of Financial Institutions lists The Credit Repair Shop Inc. as a registered credit repair organization under certificate number 135.
Its current office is at 7901 West Burleigh Street, Milwaukee, Wisconsin 53222.
How to Choose a Credit Repair Company in Wisconsin
Wisconsin makes it easier to check a provider than many states because the Department of Financial Institutions publishes a current list of registered credit services organizations.
Check the company there before you sign a contract. Make sure the business name and address match the company you are considering.
Then compare total cost. Moore Affordable Credit publishes monthly fees plus enrollment charges. EVORO uses monthly pricing with no enrollment fee. Credit Matters requires consumers to request current pricing. The Credit Repair Shop has conflicting pricing information across its public materials.
Ask what happens each month. Find out how many credit report disputes are included, whether the company contacts creditors, whether credit monitoring costs extra, and how you will receive updates.
Do not choose a company based on promised credit score gains or claims about removing every negative item. Credit repair should focus on information that has a legitimate reason for dispute.
Wisconsin Credit Repair Laws
Wisconsin treats businesses that accept payment to improve a consumer’s credit record, credit history, or credit rating as credit services organizations.
Covered companies must register with the Wisconsin Department of Financial Institutions. The current registration fee is $100, and registrations expire on December 1 of each even-numbered year.
The registration application also requires a $25,000 surety bond or $25,000 letter of credit. The security protects consumers who suffer qualifying losses from violations of Wisconsin’s credit services law. It does not guarantee credit repair results.
Wisconsin credit services contracts must include a cancellation notice. Consumers have five days after signing to cancel without penalty or obligation.
Federal credit repair protections apply in addition to Wisconsin law.
How We Evaluated Credit Repair Companies in Wisconsin
We required each local company to have a current first-party website, clear credit repair services, current contact information, a supportable Wisconsin presence, and current Wisconsin registration.
We also reviewed published pricing, payment structure, credit report dispute services, customer access, contract information, and refund or cancellation terms when those details were public.
BBA Solutions MKE was removed because its current website now focuses on tax-business training and lists a Georgia address.
Creditguymke Financial Solutions still has a Milwaukee website and offers credit-related services, but we could not find the business on the Wisconsin Department of Financial Institutions’ current registered credit services organization list.
EVORO Solutions and Credit Matters were added as current registered Wisconsin providers.
Frequently Asked Questions
The Wisconsin Department of Financial Institutions publishes a list of registered credit services organizations.
Search the company’s business name and confirm that the registration information matches the provider you are considering.
Covered credit services organizations must submit a $25,000 surety bond or $25,000 letter of credit as part of Wisconsin’s registration requirements.
The security protects consumers against certain losses tied to violations. It does not guarantee deletions or a higher credit score.
Wisconsin gives consumers five days after signing a credit services contract to cancel without penalty or obligation.
The company must provide a cancellation notice with the agreement.
Local prices differ substantially.
Moore Affordable Credit currently lists $99 per month for an individual plan. EVORO lists individual credit repair at $125 per month. Other companies require a quote or publish different package structures.
Check enrollment fees and credit monitoring costs in addition to the advertised monthly rate.
Compare price, dispute frequency, contract terms, customer access, credit monitoring costs, and the amount of direct support you want.
A local company may offer more personal contact, while a national company may have more standardized systems and support hours.
Wisconsin generally provides six years to bring an action based on a contract under Wisconsin Statutes Section 893.43.
The exact deadline can depend on the type of debt and when the claim accrued. The lawsuit deadline is separate from how long negative information can remain on a credit report.