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Credit Repair

6 Best Credit Repair Companies – Updated May 2022



Having a bad credit score can make life extremely difficult, and repairing it can be a huge and stressful job. So, if you’re in this situation, what do you do? But, if the priority is getting your credit score back into shape, you might want to hire a professional team at a credit repair agency to help you.

If you decide to take the credit repair route, it’s important to choose a company that has a good reputation. That’s why we’ve researched the credit repair industry and compiled a comparison report on six of the top credit repair companies.

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Best Overall
Best Professional ExperienceBest ValueBest Budget OptionBest Financial Management ToolsBest Discounts
Credit SaintLexington LawSky BlueThe Credit PeopleThe Credit ProsOvation Credit Repair
Our PartnerOur PartnerOur PartnerOur PartnerOur PartnerOur Partner
BBB Rating

A

C-

A+

C+

A+

A+

Trustpilot Score

4.1/5 stars based on 60 reviews

4.2/5 stars based on 412 reviews

3.2/5 stars based on 1 review

2.9/5 stars based on 2 reviews

4.6/5 stars based on 227 reviews

4.5/5 stars based on 147 reviews

Starting Fee

$99–195

No starting fee

$79

$19

$119–149

$89

Monthly Fee

$79.99–199.99

$95.95–139.95

$79

$79

$69–149

$79–109

Refund Policy

90-day money-back guarantee

None

90-day money-back guarantee

Cancel any time and have monthly fee refunded

90-day money-back guarantee

Cancel anytime and have monthly fee refunded

Best Overall
Credit Saint
Our Partner
Check Price
BBB Rating

A

Trustpilot Score

4.1/5 stars based on 60 reviews

Starting Fee

$99–195

Monthly Fee

$79.99–199.99

Refund Policy

90-day money-back guarantee

Best Professional Experience
Lexington Law
Our Partner
Check Price
BBB Rating

C-

Trustpilot Score

4.2/5 stars based on 412 reviews

Starting Fee

No starting fee

Monthly Fee

$95.95–139.95

Refund Policy

None

Best Value
Sky Blue
Our Partner
Check Price
BBB Rating

A+

Trustpilot Score

3.2/5 stars based on 1 review

Starting Fee

$79

Monthly Fee

$79

Refund Policy

90-day money-back guarantee

Best Budget Option
The Credit People
Our Partner
CHECK PRICE
BBB Rating

C+

Trustpilot Score

2.9/5 stars based on 2 reviews

Starting Fee

$19

Monthly Fee

$79

Refund Policy

Cancel any time and have monthly fee refunded

Best Financial Management Tools
The Credit Pros
Our Partner
Check Price
BBB Rating

A+

Trustpilot Score

4.6/5 stars based on 227 reviews

Starting Fee

$119–149

Monthly Fee

$69–149

Refund Policy

90-day money-back guarantee

Best Discounts
Ovation Credit Repair
Our Partner
Check Price
BBB Rating

A+

Trustpilot Score

4.5/5 stars based on 147 reviews

Starting Fee

$89

Monthly Fee

$79–109

Refund Policy

Cancel anytime and have monthly fee refunded

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Best Credit Repair – Company Reviews

Repair My Credit
Best Overall: Credit Saint

Credit Saint is one of the most trusted credit repair companies in the business, with an A rating from the Better Business Bureau (BBB). It’s been in operation since 2004 and are based in New Jersey. Once you’ve signed up for a package, you can monitor your progress online.

Credit Saint offers an initial free consultation over the phone and three different credit repair packages:

  • Clean Slate (Aggressiveness: Very High)
    $195 initial fee and $119.99/month thereafter

    Includes unlimited challenges of inaccurate reporting items, as well as score analysis, creditor interventions, score tracking, and inquiry targeting.

  • Credit Remodel (Aggressiveness: High)
    $99 initial fee and $99.99/month thereafter

    Includes up to 10 challenges of inaccurate reporting items, as well as score analysis, creditor interventions, score tracking, and inquiry targeting.

  • Credit Polish (Aggressiveness: Medium)
    $99 initial fee and $79.99/month thereafter

    Includes up to 5 challenges of inaccurate reporting items, as well as score analysis, creditor interventions, and score tracking.

Pros
  • Three tailored packages available
  • Free initial consultation
  • Strong reputation and experience in the industry
Cons
  • High starting fees
  • Not available in all states
  • Few educational resources available on the website

Repair My Credit
Best Professional Experience: Lexington Law

Lexington Law Firm is comprised of a team of lawyers and paralegals who have been in business since 2004. It offers a free credit assessment and different focus tracks depending on your situation. It also has extensive resources to help you learn about managing your finances, including a mobile app for immediate access to their score analysis, counseling plan, and any updates.

Unfortunately, its reputation has been dented by recent legal action brought against it by the Consumer Financial Protection Bureau (CFPB) over telemarketing methods. Lexington Law’s three credit repair packages include:

  • Premier Plus: Intensive ($139/month)
    Includes bureau challenges/disputes, creditor interventions, inquiry assistance, ID theft assurance, DebtHandler, report watch alerts, TransUnion FICO scores, lost wallet protection, personal finance manager, and junk mail reducer.
  • Concord Premier: Moderate ($119.95/month)
    Includes bureau challenges/disputes, creditor interventions, inquiry assist, ID theft assurance, DebtHandler, and report watch alerts.
  • Concord Standard: Fair ($95.95/month)
    Includes bureau challenges/disputes, creditor interventions, inquiry assistance, ID theft assurance, and DebtHandler.

Pros
  • No initial starting fee
  • Various discounts available for families, military personnel, and veterans
  • Extensive online resources on the website
Cons
  • One of the more expensive companies
  • No guarantees offered
  • Has been involved in recent legal action with the CFPB

Repair My Credit
Best Value: Sky Blue

Sky Blue Credit has been in business since 1989 and offers a one-size-fits-all credit repair plan. It’s based in Boca Raton, Florida. On sign-up, the company will take a look at your credit report and offer a line-by-line review. This will include details of any potential errors and suggestions for ways you can optimize your score and rebuild your credit. Its online education center can help you understand all the ins and outs of credit repair.

Sky Blue’s $79/month service includes:

  • Pro credit score analysis
  • 35-day dispute cycles
  • Custom disputes
  • Statute of limitation research
  • Score assistance
  • Credit rebuilding
  • Debt validation
  • Goodwill letters
  • Cease & desist letters
  • Coaches on call

Pros
  • 50% discount for couples
  • 90-day money-back guarantee
  • Personal coaching and extensive educational resources
Cons
  • No monthly credit monitoring
  • Disputes limited to 5 per credit bureau every 35 days
  • $79 starting fee required

Repair My Credit
Best Budget Option: The Credit People

The Credit People has been in business since 2001 and is based in Cottonwood Heights, Utah. It’s among the most affordable of the credit repair agencies we’ve researched, with a starting fee of just $19. It offers either a monthly membership or a flat rate six-month membership (which saves you $74). There’s also a full money-back guarantee on this 6-month membership if you’re not satisfied. The service includes:

  • Full credit repair service
  • Credit score analysis
  • Online progress tracking
  • Dedicated team or single representative as desired

Pros
  • Initial credit reports included in setup fees
  • Discount of $20 for couples
  • Simple pricing structure
Cons
  • No flexibility in services offered
  • Requires pre-payment for a six-month membership
  • No app or live webchat

Repair My Credit
Best Financial Management Tools: The Credit Pros

The Credit Pros has been ranked by Inc. Magazine as one of America’s fastest-growing companies. It uses AI-driven software to deliver personalized credit repair services and advice. The agency offers financial management tools as standard in all its packages and provides you with an updated credit report every 60 days. It has three packages, which include:

  • Success Plus ($149 starting fee and $149/month)
    Credit bureau challenges, creditor interventions, cease and desist letters, letter of reference, credit builder loan, three-bureau reports and scores, one-bureau reports and scores, ID Cover Dark Web monitoring, TransUnion alerts, real-time account syncing, bill reminder, and budgeting system.
  • Prosperity ($119 starting fee and $119/month)
    Credit bureau challenges, creditor interventions, cease and desist letters, letter of reference, one-bureau reports and scores, ID Cover Dark Web monitoring, TransUnion alerts, real-time account syncing, bill reminder, and budgeting system.
  • Money Management ($119 starting fee and $69/month)
    One-bureau reports and scores, ID Cover Dark Web monitoring, TransUnion alerts, real-time account syncing, bill reminder, and budgeting system.

Pros
  • Financial management tools offered as standard
  • Free consultation offered in English or Spanish
  • 90-day money-back guarantee
Cons
  • Not available in Kansas, Minnesota, Maine, or Oregon
  • High starting fee of $119
  • Only one challenge per month included in the cheapest package

Repair My Credit
Best Discount: Ovation

Ovation Credit, a LendingTree company, has an A+ rating from BBB and has been in business since 2004. It has an extensive online education center that publishes many articles about credit repair and credit building. Ovation credit services include a free initial consultation but the company does charge a starting fee if you decide to become a customer. Its two programs are customizable and include, as standard:

  • Essentials Plus ($89 starting fee, $109/month)
    Unlimited challenge validation letters, unlimited creditor goodwill letters, official Ovation recommendation letter, TransUnion credit monitoring
  • Essentials ($89 starting fee, $79/month)
    Personalized dispute options, expert team, financial management tools

Pros
  • Free consultation
  • Bilingual service, in English and Spanish
  • Extensive discounts for couples, military, referrals, and seniors
Cons
  • Just two available services
  • Starting fee of $89 required
  • Credit monitoring only available with the more expensive package

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Credit Repair Guide

What is credit repair and how does it work?

After receiving your free annual credit reports from the three main credit bureaus: TransUnion, Experian, and Equifax, you might notice errors. These can be mistaken personal details, debts still listed as active that you’ve already paid off, bankruptcies past the 7-year mark, and foreclosures or tax liens that aren’t yours. There may even be debts that have been taken out in your name by identity thieves.

These errors can damage your credit score and put you in danger of being refused loans, mortgages, or even jobs. Although you can dispute these credit issues yourself, the process can be long and complicated.

So, what is credit repair? Also called credit restoration, credit repair basically means disputing incorrect items or inaccuracies on your credit report, with the purpose of boosting your numbers, hoping to get a good credit score. Reputable credit repair companies will make clear that only inaccurate items can be removed — whether they’re charge-offs, missed or late payments, debt collections, or repossessions. You have the right to dispute any inaccurate information thanks to the Fair Credit Reporting Act (FCRA), and the three major credit bureaus must investigate and eliminate it from your report if it is, in effect, incorrect.

Credit repair agencies will contact your creditors on your behalf and can accompany you through the whole process of rebuilding your poor credit score, often with a dedicated case advisor. They may also offer personal finance tools to help you manage payments, or identity theft protection services for an extra fee. If you need money urgently, you could also search for some of the best loans for people with bad credit.

How long does credit repair usually take?

The amount of time credit repair takes depends on how many disputes you’ll need to open with your reports. However, most credit repair processes take around three to six months for the number of disputes the average customer needs to deal with. This is usually structured as a monthly plan. Credit repair with a company can include:

  • an initial consultation (many companies include a free credit consultation)
  • a review of your credit reports identifying errors
  • sending goodwill and/or credit dispute letters to creditors
  • awaiting responses (up to 30 days per dispute)

Be aware that any legitimate credit repair company you choose should also give you a written contract before receiving any payment, including a set-up fee, under the Credit Repair Organizations Act (CROA). Other than a first work fee, if a company asks for money upfront, it should be an immediate red flag of a possible credit repair scam.

Some credit repair companies will only undertake one dispute at a time, which can make the whole process much longer if you’ve got several disputes to resolve. In that case, it may be worth paying extra for a service that will investigate multiple disputes at once. Other companies offer unlimited disputes or service packages with additional features, such as score trackers or identity theft insurance.

The importance of having good credit

Having a good credit history is vital in today’s world. It can dictate whether you get a mortgage, a loan, or even land a job. This is why you need to learn how to fix a bad credit score.

Research shows that employers are increasingly checking potential employees’ credit history as standard. Although they won’t see your credit score, they will be able to see if you’ve had a history of missed payments. This gives an indication of your reliability, which can be important for roles in accountancy or finance.

How to DIY credit repair

If you don’t want to pay for a company to do so, another credit repair option is doing it yourself. Here’s how to DIY credit repair in 5 easy steps:

  • Keep an eye on your credit score. You can get free credit reports from the credit bureaus. Everyone is entitled to one from each credit reporting agency annually, meaning you can stagger them across the year and get one every four months.
  • Rebuild your credit. To boost your credit score, you can take out new credit and repay it promptly. One of the best ways to do this is with a secured credit card, where you’ll lose your security deposit if you don’t keep up with repayments. This acts as an extra incentive to prioritize the payments. Just make sure you check out the 10 mistakes to avoid when repairing credit!
  • Here’s a no-brainer – pay off your debt. However, you’d be surprised at how many people get overwhelmed and fail to pay off overdue debts. Start with small payments, and you’ll get there eventually.
  • Remove negative items on your credit reports. These can be due to identity theft or late payments. Some of these can be removed with a goodwill letter to creditors.
  • Apply for a major credit card. Once your credit score is back to a good level, you can boost it further by applying for and being approved for new credit.

How We Found the Best Credit Repair Companies

We researched a range of review sites to investigate the practices, reputations, years of experience, and services offered by each of the credit repair companies in this report. We searched the Consumer Financial Protection Bureau database, TrustPilot, Google reviews, news articles, and other sites focused on credit repair to compile the pros and cons of each company.

Credit Repair FAQs
How does credit repair work?
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Credit repair works to remove negative information from credit reports so your credit score can be boosted.
How do I find the best credit repair agency?
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To find the best credit repair agency, you should check reviews to find one with a good reputation. If a company offers a free initial consultation, have your questions ready about your specific debt situation, so you can decide whether the agency provides the services you need at a price you can afford.
How can I repair my credit myself?
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You can identify errors in your credit report yourself and write to creditors and the credit bureaus to ask to have mistaken information removed from your report. Once your score has recovered, you can then take out new loans to boost your credit score further. 
How long does it take to improve my credit?
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For most consumers, this process takes three to six months.

Summary of the Best Credit Repair Companies

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