Akron, OH

Credit Repair & Financial Services in Akron

Compare 5 credit repair companies, personal lenders, and financial services in Akron, Ohio. All independently reviewed with BBB ratings and pricing.

Ohio avg credit score: 704 Median income: $65,720 Poverty rate: 13% Payday loans: Restricted Ohio overview →

Top Rated in Akron

5 companies
Mustard Seed Development Center logo

Mustard Seed Development Center

HUD-certified non-profit housing counselor in Akron, OH offering free homebuyer education, financial counseling, and mortgage delinquency assistance to help residents avoid foreclosure.

4.1/5
Contact BBB: NR

Best for: First-time homebuyers in Summit County preparing for purchase and lender-required counseling, Homeowners with mortgage delinquency or falling behind on property taxes seeking loan modification

Asian Akron Office 2 logo

Asian Akron Office 2

Non-profit health and social services agency in Northeast Ohio offering culturally competent healthcare, legal services, and microloans to immigrant and refugee communities.

4.0/5
Contact BBB: NR

Best for: Immigrant and refugee entrepreneurs seeking microloans with cultural competency and language support, Low-income individuals in Northeast Ohio needing affordable healthcare with sliding scale fees

Asian Services in Action, Inc. (Asia) logo

Asian Services in Action, Inc. (Asia)

Non-profit comprehensive health and human services agency serving immigrant and refugee communities in Northeast Ohio with culturally competent support across multiple languages.

4.0/5
Contact BBB: NR

Best for: Immigrant and refugee entrepreneurs seeking microloans with cultural competency and language support, Low-income individuals needing integrated healthcare, legal services, and financial education

East Akron Neighborhood Development Corp. logo

East Akron Neighborhood Development Corp.

Non-profit community development organization in Akron, OH offering free homebuyer education, financial counseling, and foreclosure prevention alongside affordable rental housing and energy audit programs.

4.0/5
Contact BBB: NR

Best for: First-time homebuyers in the Akron/Massillon area with moderate income who need education and preparation guidance, Homeowners facing foreclosure or mortgage delinquency seeking free counseling and prevention strategies

Fair Housing Contact Service logo

Fair Housing Contact Service

Non-profit fair housing organization in Akron providing free housing discrimination assistance, tenant-landlord counseling, and community education since 1965.

4.0/5
Contact BBB: NR

Best for: Renters experiencing housing discrimination based on protected class status, First-time homebuyers seeking fair lending and fair housing guidance

Free Help in Akron

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Mustard Seed Development Center logo

Mustard Seed Development Center

HUD-certified non-profit housing counselor in Akron, OH offering free homebuyer education, financial counseling, and mortgage delinquency assistance to help residents avoid foreclosure.

4.1/5
Contact BBB: NR

Best for: First-time homebuyers in Summit County preparing for purchase and lender-required counseling, Homeowners with mortgage delinquency or falling behind on property taxes seeking loan modification

Asian Akron Office 2 logo

Asian Akron Office 2

Non-profit health and social services agency in Northeast Ohio offering culturally competent healthcare, legal services, and microloans to immigrant and refugee communities.

4.0/5
Contact BBB: NR

Best for: Immigrant and refugee entrepreneurs seeking microloans with cultural competency and language support, Low-income individuals in Northeast Ohio needing affordable healthcare with sliding scale fees

Asian Services in Action, Inc. (Asia) logo

Asian Services in Action, Inc. (Asia)

Non-profit comprehensive health and human services agency serving immigrant and refugee communities in Northeast Ohio with culturally competent support across multiple languages.

4.0/5
Contact BBB: NR

Best for: Immigrant and refugee entrepreneurs seeking microloans with cultural competency and language support, Low-income individuals needing integrated healthcare, legal services, and financial education

East Akron Neighborhood Development Corp. logo

East Akron Neighborhood Development Corp.

Non-profit community development organization in Akron, OH offering free homebuyer education, financial counseling, and foreclosure prevention alongside affordable rental housing and energy audit programs.

4.0/5
Contact BBB: NR

Best for: First-time homebuyers in the Akron/Massillon area with moderate income who need education and preparation guidance, Homeowners facing foreclosure or mortgage delinquency seeking free counseling and prevention strategies

Fair Housing Contact Service logo

Fair Housing Contact Service

Non-profit fair housing organization in Akron providing free housing discrimination assistance, tenant-landlord counseling, and community education since 1965.

4.0/5
Contact BBB: NR

Best for: Renters experiencing housing discrimination based on protected class status, First-time homebuyers seeking fair lending and fair housing guidance

Your Rights in Ohio

Ohio Consumer Protections: Ohio reformed payday lending in 2018 with HB 123, capping APR at 28% and requiring minimum 91-day terms. A statewide database prevents borrower abuse. The Division of Financial Institutions regulates consumer lenders, and consumers can file complaints with the Division or the Attorney General.

Interest Rate Cap: Ohio usury cap: 28% APR cap on short-term loans (HB 123, 2018); 8% general usury. Payday lending is restricted (max $1000).

Key Regulations:
  • HB 123 (2018) reformed payday lending with 28% APR cap plus a monthly maintenance fee.
  • Short-term loans capped at $1,000 with minimum term of 91 days.
  • Monthly maintenance fee of up to 10% of original principal (max $30/month).
  • A statewide database tracks borrower loans to prevent excessive lending.

Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).

Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with Ohio Attorney General Consumer Protection Section.

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