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Credit Repair

Compare and find the right credit repair service for you

The Best Credit Repair Companies

Tip for the reader:

Your credit score is a major factor in whether you get a mortgage and how much you pay for it. When you think about the cost to improve your credit score, we encourage you to think about it as an investment that can translate into over $15,000 in savings on a $240,000 mortgage.

Best Credit Repair Service

Credit Saint Credit Restoration Review

Consultation

Free initial consultation

BBB Rating

A

Payment Terms

Initial Fee + Monthly

Guarantee

90-day money-back

What customers said:

“very knowledgeable and friendly”

“cleared up my credit”

“5 stars for sure”

Best Credit Repair for Experience

Consultation

Free initial consultation

BBB Rating

Not Rated

Payment Terms

Monthly

Guarantee

No guarantees

Best Credit Repair Service – Runner Up

Ovation Credit Repair by LendingTree Review

Consultation

Free initial consultation

BBB Rating

A+

Payment Terms

Initial Fee + Monthly

Guarantee

“No risk” refund policy

Best Credit Repair for Customer Service

Sky Blue Credit Repair Review

Consultation

No charge for 6 days

BBB Rating

C-

Payment Terms

Monthly

Guarantee

90-day money-back

Best Credit Repair for Overall Simplicity

CreditRepair.com Reviews

Consultation

Free initial consultation

BBB Rating

D

Payment Terms

Monthly

Guarantee

No guarantee

Best Credit Repair Guarantee

The Credit People Review

Consultation

Free initial consultation

BBB Rating

C+

Payment Terms

Annual Membership

Guarantee

60-day money-back

Best Credit Repair for Education

AMB Credit Consultants Review

Consultation

Free initial consultation

BBB Rating

A

Payment Terms

Initial Fee + Monthly

Guarantee

6-month money-back

Best Credit Repair Service

Credit Saint

Credit Saint Credit Restoration Review

Pros

  • Simple pricing structure (no hidden fees)
  • Three levels of service to choose from depending on your needs
  • 90-day money-back guarantee
  • Online dashboard to monitor progress

Cons

  • Charge a first work fee
  • Not available in 12 states

Summary & Features

One of the best credit repair companies around is Credit Saint. We chose this legitimate credit repair company because of its excellent rating with the BBB and its simple pricing structure. It has been in business since 2007 and has improved the credit for thousands of clients. 

BBB Rating

A Rated

Guarantee

90-day money-back

Payment Terms

Monthly, rate based on plan

Credit Saint does not charge an initial fee but does charge what they call a “first work fee,” a flat payment for the first work done that improves your credit score. After that, you’ll be charged every month, dependent on the package you have selected. 

Service at the company is top-notch. Not only do their agents aggressively fight for you, but they’re also friendly and maintain communication throughout the process. What’s more, you’ll have access to an online dashboard that shows everything that is being done to repair your credit and the progress made.

Overall, customer reviews are very positive. Customers report friendly staff and a comfortable working environment. They are happy with the results Credit Saint was able to get on their behalf, and the price was a solid value.

As for plans, Credit Saint offers the following: 

Credit Polish

$79.99 per month ($99 first work fee)

The Credit Polish plan offers a medium level of service. This plan challenges collections, late payments, identity theft, and other things to all three credit bureaus. 

Credit Remodel

$99.99 per month ($99 first work fee)

The Credit Remodel plan offers a high level of service that takes an aggressive approach, challenging various credit issues with the credit bureaus, and the ability to escalate information requests.

Clean Slate

$119 per month ($195 first work fee)

The Clean Slate plan gives you a high level of service. With this plan, your agent will do everything in their power to boost your credit report, challenging credit issues with the credit bureaus, and filing cease and desist letters.

Credit Saint offers a lot of value with their plans. For improving your credit rating, they take an aggressive approach that gets results. The monthly fees are not unreasonable and the service is top-notch. 

The online dashboard ensures open lines of communication concerning your credit repair, but you can also speak with your assigned representative by phone and email.

Best For Experience

Lexington Law

Pros

  • Full-fledged law firm
  • Proven track record
  • Uses a legal team to resolve disputes

Cons

  • Not BBB rated
  • No price guarantees

Summary & Features

Unlike other services on this list, Lexington Law is a full-fledged law firm that deals with credit reporting issues. Founded in 1991, it is one of the largest credit repairing agencies in the country. They report over 10 million negative items removed from reports in a single year. 

Lexington Law uses a team of lawyers and paralegals to repair your credit from things that may be out of your control. They specialize in identity theft, student debt, medical bills, divorce, and military service.

BBB Rating

Not Rated

Guarantee

None

Payment Terms

Monthly

Being an actual law firm, Lexington Law has a lot of experience in dealing with credit issues. Since they’ve been doing it for so long, you can be assured they know what they’re doing in any given situation. 

Lexington Law begins by getting copies of your credit reports and reviewing them for errors and negative items. They then send challenges and disputes to increase your credit rating and clear up credit repair issues. 

Lexington Law offers the following plans:

Concord Standard Service

$89.95 per month

The basic package reviews your credit report and makes challenges for harmful items to all three credit bureaus.

Concord Premier Package

$109.95 per month

The Premier Package includes everything in the standard service, plus TransUnion alerts, score analysis and removing hard inquiries.

Concord Premier Plus

$129.95 per month

For top of the line service, this package is one of the most comprehensive credit repair service plans available. You’ll get everything from the other credit repair plans, plus a suite of personal financial tools, FICO score tracker, and cease and desist letters.

Lexington Law offers top of the line services. Although a bit more expensive than some credit repair services, you may find that the experience brought to the table is worth it. You’ll also have access to an online dashboard so that you can monitor progress and see the strategies that are being employed.

Best Credit Repair Runner-Up

Ovation Credit Service

Ovation Credit Repair by LendingTree Review

Pros

  • The initial consultation is free
  • Discount available for military, seniors, and couples
  • Full refund policy

Cons

  • Has an enrollment fee
  • Expensive
  • Credit monitoring is only offered in the Essentials Plus plan

Summary & Features

Ovation Credit Services is one of our top credit repair picks, primarily for its fantastic customer service. The company knows how to build interpersonal relationships and customized solutions for meeting the unique needs of its clients. 

The process begins with a free consultation, where case advisors review your credit information and make recommendations for repairing negative marks. In many cases, errors and inaccurate information can be found right away, and Ovation Credit Services will begin working right away to fix these issues.

BBB Rating

A+ Rated

Guarantee

“No risk” refund

Payment Terms

Monthly, plus an enrollment fee

After the initial consultation, Ovation will get to work. You’ll be assigned an advisor who will file disputes on your behalf. They write goodwill letters and negotiate late payments with creditors. 

Ovation’s customer service is excellent. They’re friendly, responsive, and experts in their field. The company’s agents have the experience to challenge errors on your credit report and handle credit repair issues. 

For the most part, customers report a positive experience with Ovation. They get along well with case managers and see significant improvements to their credit. Ovation also goes a step further in educating customers on financial best practices. 

Ovation keeps it simple and offers two plans:

Essentials Plan

$79 per month ($89 initial fee)

The Essentials Plan provides you with a personal case advisor for 79 per month who will help you with financial management tools and give you options to resolve credit disputes.

Essentials Plus

$109 per month ($89 initial fee)

The Essentials Plus plan monitors your credit and works to boost your credit with unlimited goodwill letters and challenge validation letters. You’ll also receive an Ovation recommendation letter. 

While the monthly fees are expensive, Ovation’s refund policy on their monthly fee and free initial consultation make their credit repair service exemplary. The company comes with an A+ BBB rating.

Best For Customer Service

Sky Blue

Sky Blue Credit Repair Review

Pros

  • Simple pricing structure
  • Offers discounts
  • 90-day money-back guarantee

Cons

  • Average BBB Rating
  • Charges a setup fee

Summary & Features

Sky Blue Credit offers a simple and easy to understand service dedicated to improving your credit rating. This credit repair company offers a single plan and lays out exactly what they will do. 

Sky Blue Credit’s focus is on customer service, with friendly and responsive agents ready to assist and work through any issues that may arise. In regards to credit repair services, they know how to improve your credit score and credit report.

BBB Rating

C-

Guarantee

90-day money-back

Payment Terms

Monthly (plus a set up fee)

Sky Blue Credit’s service is transparent and easy to understand. They claim that customers spend an average of six months with them, and the service can be paused and restarted at any time without paying a fee.

Sky Blue Credit generally has favorable customer reviews. Customers claim they are friendly and professional. They are knowledgeable and always happy to answer questions. According to the reviews, Sky Blue is a credit repair company that gets results on your credit report. 

Sky Blue Credit’s service is as follows:

Sky Blue Credit Service

$79/month ($79 setup fee)

Sky Blue’s service offers credit monitoring, debt validation, goodwill letters, debt settlement and negotiation, and cease and desist letters.

All in all, Sky Blue’s service is simple and effective for most credit score issues. While mostly the service will work to remove negative items from your credit report, for more advanced issues, you may have to look elsewhere. 

Nevertheless, for the average customer, Sky Blue Credit offers excellent value. Representatives of this credit repair company can be reached through the company’s website, by phone, and by email.

Best For Overall Simplicity

CreditRepair.com

Pros

  • Free consultation
  • 3 service levels to choose from
  • Includes an app and multiple electronic methods of communication

Cons

  • Designed to handle simple issues only
  • Weaker BBB Rating

Summary & Features

CreditRepair com is a credit repair company similar to Sky Blue in that they offer a simple service at a flat rate designed to repair credit reporting inaccuracies and challenge negative items. The company gets right to the point with a free consultation, where credit reports are reviewed, and a game plan is put in place to boost your credit score.

BBB Rating

D

Guarantee

No guarantee

Payment Terms

Monthly

From there, CreditRepair com employs a three-step process.

1. After you sign up online, the company will pull your credit reports and begin identifying items hurting your credit rating.
2. CreditRepair.com agents contact the credit agencies and challenge inaccurate information, liens, charge-offs, foreclosures, inquiries, and more.
3. Finally, they provide continuous monitoring for credit issues that might pop up.

The real selling point of CreditRepair com is how the credit repair company takes advantage of technology to keep you in the loop during the entire process. You’ll get a personal dashboard, mobile app, credit score tracker, credit reports, email alerts, and TransUnion monitoring. 

CreditRepair.com offers three different flat rate plans starting at 99 per month:

Basic

The Basic plan is for customers who have only a few negative items to dispute.

Moderate

The Moderate plan is for those with a moderate amount of negative items to dispute.

Aggressive

The Aggressive plan is for individuals with a lot of negative items.

Plans start at a flat rate of 99 per month and go up from there. Overall, CreditRepair.com offers good value. Of all the credit repair companies, this one stands out for its use of technology.

Best Guarantee

The Credit People

The Credit People Review

Pros

  • FCRA certified consultants
  • Satisfaction guarantee
  • Transparent pricing

Cons

  • Initial fee

Summary & Features

BBB Rating

C+

Guarantee

60-day money-back

Payment Terms

Annual Membership

Interestingly, The Credit People is a service offered as a yearly membership. Although you can try the service for a week for $19, to become a member will cost you $419 for one year. While that price may seem steep at first, it actually translates into about $35 per month, which is significantly cheaper than other services. 

That said, The Credit People offer a single plan that provides 24/7 account access, unlimited disputes, and debt inquiry validation. Their team of representatives are FCRA certified and can be contacted toll-free any time of day.

Best for Education

AMB Credit Consultants

AMB Credit Consultants Review

Pros

  • Six-month money-back guarantee
  • Designed to educate their customers

Cons

  • Six months commitment required
  • Expensive enrollment fees

Summary & Features

AMB Credit Consultants is a credit repair company out of Dallas, Texas, helping people improve their credit score for over ten years. However, what’s different about this company is that they focus on directly advising their clients on healthy financial habits, how to avoid identity theft, and how to improve their credit in the future.

For this reason, AMB Credit Consultants is our choice for those who would like to know more about how their credit report works in order to avoid credit score mistakes in the future. It’s a solid choice as long as you’re open to the process.

BBB Rating

A Rated

Guarantee

6-month money-back

Payment Terms

Monthly, plus an enrollment fee

AMB Credit Consultants is different from the other credit repair services on this list in that you’re signing up not just to improve your credit rating but also for financial literacy courses. If this is not your thing, then feel free to choose one of the other services on this list.

However, for those who would like the education and the know-how to avoid mistakes in the future that can lead to negative credit reporting, AMB Credit Consulting may be the credit repair company for you. Plus, they guarantee that if they don’t remove at least one negative item from your credit report at the end of the six-month term, you’ll get a full refund. In other words, you’re guaranteed to see your credit score increase or your money back.

AMB Credit Consultants offers two credit repair options:

AMB Credit Empowerment Individual

$99/month ($149 enrollment fee)

AMB Credit Empowerment Couple

$198/month ($198 enrollment fee)

With both credit repair plans, you’ll agree to a six to nine-month service contract that includes unlimited disputes and reviews, response to collection letters, cease and desist letters to credit bureaus, credit reports, and credit education. Over the course of the contract, there are meetings you’ll attend. There is a $25 cancellation fee if you don’t cancel an appointment at least 24 hours ahead of time.

This credit repair company is all about empowering people to make better financial decisions, which we feel is a noble enterprise. Nonetheless, make sure this is something you want when you sign up for this service. For simple credit repairs, other companies on this list may have a smaller credit repair cost.

Introduction to Credit Repair

When it comes to making large purchases, your credit rating is the key to success. Having a low credit score can cost you a lot of money in the long run. Not only will interest rates on your loans be high, but you could also be denied altogether. For this reason, many of us are looking for the best credit repair services.

If you have negative marks on your credit reports from late payments, debt in collections, and maxed out credit cards, it’s important to have these issues dealt with as quickly as possible. The sooner you do, the sooner you’ll have the ability to make crucial purchases such as a new car or home.

That said, it’s extremely difficult to repair your credit on your own. It’s time-consuming work that takes tireless persistence. If you’d rather not spend your lunch breaks and evenings on the phone with creditors, you need a credit repair service, which is where we come in.

In this article, we will discuss the seven best credit repair agencies available. We’ll break down the pros and cons of each, including credit monitoring, payment terms, and overall value. Let’s get to it!

Benefits of Credit Repair

There are a lot of benefits to using credit repair services to fix your credit and boost your credit score. The best credit repair agencies take the burden off of you and know how to negotiate with creditors

With credit repair and to make sure to avoid a credit repair scam, the process is the same whether you hire a service or do it yourself. Credit reports, credit scores, and documentation are gathered and meticulously searched for errors. From there, dispute letters are submitted, and solutions are bargained for from creditors. 

If this sounds challenging, that’s because it is. Repairing your credit is a complex process. If you’re not a credit expert, you’re bound to miss some things. For this reason, it’s often crucial to have the best credit repair agency or credit repair packages backing you up. 

If you have a bad credit score on your credit reports, you may find it difficult to get a loan or rent an apartment, and it can be harder to get a job. Repairing your credit, with all three credit agencies (Experian, Transunion, and Equifax) offers a number of benefits, including:

  • Lower insurance rates
  • Lower interest rates
  • Higher credit limits
  • No more collection calls
  • The ability to buy a home, car, and rent an apartment
  • No more relying in co-signers
  • Protects your children’s credit scores
  • Enables you to start a business
  • Smaller security deposits
  • Makes you feel better about your credit

That said, it’s difficult to repair items on your credit by yourself, even with credit repair software, and it’s often worthwhile to hire a service to do it for you. 

When to Use a Credit Repair Service

Unless you’re a credit expert or have a lot of time for free credit monitoring and to learn things the hard way, you’re going to want to hire a credit repair service to improve your credit. If you have debt in collections, a lot of credit card debt, and negative marks on your credit reports that may or may not be accurate, credit repair is one of the best ways to improve your financial security.

The best credit repair company will work tirelessly on your behalf to remove negative marks from your credit reports. They have the experience and know-how to spot inaccurate information and to negotiate with creditors. 

We all make mistakes, and it’s far easier to fall down the rabbit hole of bad credit than it is to climb back up. So, if your credit rating is low and you’re considering a credit repair service, the next question is: how do you know you’re hiring the best credit repair company for you and your unique situation? 

Let’s start with what credit repair companies offer and how to evaluate a credit repair company. 

Criteria for Evaluating a Credit Repair Company

When looking for the best credit repair company, there are a number of factors to consider, such as credit monitoring, fee structure, dispute letters, and experience. Every credit situation is different, so it’s critical to find a credit repair company you can trust to get results you can see on your free credit report.

What’s more, there are some unscrupulous companies on the internet, so you have to be careful. Remember that you have rights under the Fair Credit Reporting Act, prohibiting credit repair agencies from engaging in false or misleading practices. 

Consider the following factors when choosing the best credit repair company.

Credit Repair Experience

Every credit repair organization should have credit pros to deal with creditors and the knowledge to help you improve your score. When in doubt, ask a lot of questions. A good credit repair company will offer you actionable advice on how to improve your credit scores, including: 

  • Always paying your bills when they are due
  • Minimizing credit card balances
  • Not having too much debt
  • Only applying for new lines of credit when you need them
  • Keeping unused lines of credit open
  • Periodically requesting to increase available lines of credit

Engaging in these best practices credit repair, much does credit repair, along with hiring a repair service to dispute negative marks on your credit report, write dispute letters, and complete charge offs, is how credit repair companies work. The best credit repair companies will be experts in their field.

No Setup Fee

Most credit repair companies don’t require a fee upfront before consulting with you first. If a company asks for a large startup fee, then be aware that they are violating the Credit Repair Organization Act.

Offer a Free Consultation

Before deciding on a credit repair company, you should be able to have a free consultation so that you can get a better idea of how the company works, what it does, and if it can help you. The best credit repair companies should be able to tell you what you’re doing right and how you can improve your credit reports.

From there, they’ll be able to research your credit report and dispute questionable items with the credit bureaus, such as late payments and tax liens. They’ll also know how to gather evidence to remove negative marks from your credit report.

Does the Credit Repair Company Offer a Fair Payment Structure?

Credit repair companies typically offer either a monthly charge or a flat fee payment structure. For the most part, a monthly fee is the standard credit repair cost, although if you’re able to pay the one-time fee, it may be a little cheaper in the long run. 

Also, look for a money-back guarantee. Many credit repair companies offer one, and it’s nice to have the peace of mind it provides. Credit repair companies are required by law to complete their services before they can charge you, so most of them charge a monthly fee and then offer a money-back guarantee. 

Credit Repair Companies With Excellent Customer Service and Reviews

With so many credit repair companies competing, the best ones often rise to the top because of their exemplary service. The company you hire should have credit pros who are friendly, easy to work with, and know the best options you have for repairing your credit and avoiding identity theft.

Some of the best companies monitor your credit rating on a 24/7 basis and can send you notifications when something changes. They will also be in constant communication, informing you of any dispute letters and charge offs they are working on and improvements they’ve made.

With this level of service in mind, look at the company’s customer reviews. It helps to know the kind of experience previous clients had when it comes to choosing the service that’s right for you. Also, don’t forget to check the Better Business Bureau for their rating and customer reviews.

FAQ

Do you still have questions? If so, we may be able to address them with these FAQs.

How long will it take to repair my credit?

Depending on the number of mistakes and negative items on your credit report, it typically takes three to six months to begin seeing progress. However, some issues can take longer to repair, so you may need more than six months.

Are credit repair companies worth it?

If you look at your finances as a whole, the fees credit repair companies charge are nominal in comparison to the money you can save off of loan interest and debt collections. Of course, you can fix your own credit, but the process is time-consuming, and unless you’re a debt expert, a challenging thing to take on all by yourself.

How do I avoid credit repair scams?

There are laws in place, such as the Fair Credit Reporting Act and the Credit Repair Organizations Act, to prevent credit repair companies from providing misleading information. So, if something isn’t clear, have the representative explain things to you so that you understand them completely. All credit repair companies should also safeguard your credit reports and other private information. Only work with a company you trust 100%.

Final Thoughts

With so many credit repair companies, it can be a challenge to find the one that’s the right fit for your individual situation. When considering hiring someone to help you with your credit, do your research and find a company that offers credit repair services you need and that you can trust. Having a professional credit expert on your side can pay dividends down the road.

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