Best Credit Repair Companies (That Won’t Rip You Off)

Reputable Credit Repair Companies We Recommend

Credit Saint is probably the most popular credit repair service in the US. They do a really good job. That said, if you prefer a different payment structure, such as a lower setup fee or an upfront rather than monthly fee, The Credit People and are also great services.

We recommend all three of these companies, it really boils down to your preferred payment method.

When Credit Repair is The Smart Thing to Do

As I often tell my readers, hiring a credit repair company is by far the fastest and easiest way to fix bad credit. Your other option is to attempt to clean up your credit report by yourself (the do-it-yourself method).

I generally recommend that people who have multiple negative items on their credit report, such as late payments, collections, or charge-offs, go with a credit repair company rather than attempt to remove these items themselves. It’s not too difficult to remove one or two negative items, but when you have several, it’s a difficult, time-consuming task.

An important point to consider is that because credit repair companies deal with creditors on a daily basis, they understand the proper techniques to use in order to get negative items removed from your credit report.

What could take you many months to do yourself, will likely take them a fraction of the time. This is an important thing to consider if you’re in a hurry to improve your credit, which might be the case if you’re trying to get approved for a mortgage.

Credit Repair Pays For Itself

The other thing to consider is that hiring a credit repair company is relatively cheap compared to what you are getting in return. If by fixing your credit, you end up getting lower interest rates on loans, the credit repair service just paid for itself.

We’ll get into pricing a little more in a bit.

How Do Credit Repair Companies Work?

So when you hire a credit repair company, what exactly do they do in order to clean up your credit report? Let’s get into that now.

Almost all credit repair companies work the same way. They generally start by pulling your credit report and reviewing it while you’re on the phone. Once the negative items are identified a game plan will be created and then the actual credit repair process begins —which is illustrated in the graphic below.

credit repair

How to Choose The Right Credit Repair Company

There are a few things to take into consideration when choosing a credit repair company to work with. First of all, there are local credit repair companies, and there are national companies.

I generally recommend going with a national company just because they are generally larger companies and therefore have more resources and connections to handle your case.

After that it boils down to cost. When you compare credit repair services side by side, they all cost just about the same, give or take a few bucks. The difference, however, are the payment structures. These vary slightly so it’s important that you choose the one that works best for you.

Differences in payment structures come in the form of: higher or lower upfront costs, monthly vs. single payment, etc.

Final Thoughts

As I mentioned at the start, hiring a credit repair company is by far the easiest way to fix your credit. This is especially true if you’re in a hurry, which is usually the case with people who are looking to get approved for a mortgage loan.

What’s been your experience with credit repair companies? I would love to hear your personal stories down in the comments section. This also helps other readers who are considering credit repair to get an idea of what to expect.


  1. Avatar Betsy @ ConsumerFu November 24, 2013
  2. Avatar [email protected] March 5, 2014
    • Ryan Greeley Ryan Greeley May 22, 2014
      • Avatar Jon Maroni May 22, 2014
        • Avatar Chrissy February 16, 2016
          • Ryan Greeley Ryan Greeley February 23, 2016
          • Avatar James February 1, 2017
  3. Avatar Lisa Manahan April 5, 2017
  4. Avatar Cristen Aiken September 16, 2017
  5. Avatar Kim December 2, 2017
  6. Avatar Sarah August 22, 2018

Leave a Reply

Read more:
My First Mistake: I Put Off Getting Started

I am tempted to say, "Well, you're here reading this blog so you have begun the process of improving your...