Best Credit Repair Companies – Boost Your Credit Score
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You probably don’t think about your credit until the minute you need to. You're not alone if you’ve ever checked your credit and realized it needs some repair. While you can take a DIY approach to improve your credit and dispute certain items on your report, it may not be the best method. In such situations, you can hire a credit repair company to dispute charges and advise you on improving your credit moving forward. Each company offers something different, so let’s look at some of the top options.
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Overview of the best credit repair companies
Company | Best for |
Creditrepair.com | Online evaluation/mobile app/dashboard |
Credit Saint | Money-back guarantee |
Lexington Law | Personal finance resources |
Sky Blue Credit | All-in-one value |
The Credit People | Customized support |
The Credit Pros | Bilingual free consultations |
Increase Your Credit Score (And Get Your 3 Bureau Reports Free!)
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Best credit repair companies
Creditrepair.com
With Creditrepair.com, you can get a free online credit evaluation in just a few steps. The evaluation includes your credit score, negative item summary, and recommended credit solution. After receiving your free evaluation, if you want Creditrepair.com to help you repair your credit, you can work with the company to build a game plan that meets your goal.
Creditrepair.com interacts directly with the credit companies you need to dispute charges from. After they’ve worked with the credit companies, Creditrepair.com communicates with the major credit bureaus to ensure that the appropriate changes have been made. This also allows them to follow up with the credit companies if needed.
To monitor your progress, Creditrepair.com offers a variety of tools. You’ll have a personal online dashboard, score tracker, and analysis. This dashboard can visualize the changes being made to repair your credit. Creditrepair.com also offers mobile apps and text and email alerts to keep you in the loop regardless of your communication preferences.
Every situation is unique, so Creditrepair.com can’t give an exact timeline for how long it will take to repair your credit. They do report that, on average, “members have seen an average increase of 40 points in just four months.” The company offers different levels of service to match the needs of all of its customers. Pricing starts at $49.95 per month with an initial set-up fee (the first work fee).
Credit Saint
Credit Saint offers free, no-obligation credit consultations to help customers get on the right path. The consultation includes a credit analyst report detailing your credit history and which items damage your credit. The credit analyst’s review of your credit report will also identify areas and techniques that can help you generate a positive credit history.
If you decide to work with Credit Saint, the company will challenge the damages you disagree with to your credit report. Each Credit Saint program works in 45-day cycles. At the end of a cycle, you’ll receive three credit reports showing which negative items have been successfully removed from your credit. Three plans start from $79.99 monthly and have a $99.00 initial working fee. It can go as high as $129.99 monthly with a $195.00 initial working fee.
Credit Saint also offers a 90-day money-back guarantee with all of its programs. If the items you disagree with aren’t removed in the first 90 days (or two cycles), you can receive a full refund.
Credit Saint offers three packages:
Credit Polish. Credit Polish is the lowest-priced option at $79.99 per month and a $99 initial work fee. This program includes the work associated with challenging up to five inaccurately reported items on your credit report per dispute cycle. Credit Saint will challenge the three credit bureaus and the creditors of the disputed items on your behalf. The package also includes an analysis of your credit score and a credit score tracker to help you see your progress in building a more positive credit history.
Credit Remodel. This package includes work associated with challenging 10 inaccurately reported items per dispute cycle at $99.99/mo with a $99 set-up fee. In addition to the features included with Credit Polish, Credit Remodel offers inquiry targeting and Experian monitoring.
Clean Slate. With the highest-level package, Credit Saint will work on an unlimited number of inaccurately reported items. There are no additional features beyond that, but this package is attractive to many users as the most aggressive option. It comes at $129.99 per month with a $195 set-up fee.
Lexington Law
Lexington Law has been in business since 2004 and offers numerous resources on its website to help you determine if credit repair is right for you. There are several ways to start your journey — you can answer the three-question quiz to see if credit repair is recommended for you, call for a free credit consultation, or sign up online immediately.
When you sign up for Lexington’s Law’s services, you’ll first receive a copy of your credit report analysis with an action plan to target any questionable negative information on your credit report. Lexington Law’s team will then send the appropriate correspondence on your behalf through digital partnerships for the fastest outcomes. As your representative, Lexington Law’s team will continue to correspond to keep the credit repair process going until a disputed item is resolved. Lexington Law also provides an online portal for 24/7 access to your credit score analyses and credit counseling solutions.
Lexington Law offers three service levels to its customers:
- Concord Standard. This basic-level service option is designed for people needing help removing an item or two from their credit report. Lexington Law will challenge items with the credit bureaus and represent you in creditor interventions. However, there are no additional services included with this package. Concord Standard costs $99.95/mo.
- Concord Premier. Concord Premier provides a nice middle-ground when it comes to credit repair services. It includes credit bureau challenges and creditor interventions like Concord Standard does. The additional benefits of this package include credit score analysis, coaching through its ReportWatch program, and daily credit monitoring alerts from TransUnion. Concord Premier costs $119.95/mo.
- Premier Plus. As you might expect, this package comes with all Concord Standard and Concord Premier features. This plan goes further by including cease and desist letters when necessary. It also tracks your FICO® credit score monthly and offers personal finance tools, including real-time identity fraud alerts. As the highest service level, Premier Plus costs $139.95/mo.
Increase Your Credit Score (And Get Your 3 Bureau Reports Free!)
- FREE "Certified Credit Repair Specialist" Consultation
- 90 Day Money Back Guarantee
- Takes Less Than 2 Minutes To Sign Up
Sky Blue Credit
Sky Blue Credit offers a simple solution to credit repair by only offering one package. That might sound restrictive, but it isn’t. Sky Blue Credit offers every feature you might need in one program, so you don’t have to worry about choosing which service level you need. To get started, you can fill out a form to request a free consultation.
Sky Blue’s credit repair service starts with a pro analysis. The team will help you identify subtle and obvious items on your credit report that you may want to dispute. Once you’ve identified that list, Sky Blue goes right to dispute. It can dispute 15 items every 35 days — split into five items per credit bureau — by submitting customized dispute and re-dispute letters.
Sky Blue handles other credit repair services, too. It offers statute of limitations research to ensure that you aren’t going to run into any issues or “poke the bear” with any of the creditors on your report. You’ll also receive customized advice to help you create a plan to optimize your credit score moving forward. To take it one step further, Sky Blue can advise you on opening new credit cards in a way that will give you the optimal FICO® score benefit.
These core services are all essential to credit repair. Sky Blue Credit takes it further by offering extra services at no additional cost. Extra services include debt validation, goodwill letters, cease & desist letters, and debt settlement/negotiation consultations. These services are offered as needed, so they’re always there if you need them.
Sky Blue Credit's pricing structure is slightly different from that of its competitors. There is no charge for the first six days after you sign up. After six days, you’ll be charged a set-up fee of $79. You’ll be charged your first monthly fee of $79 a month after that charge. Your monthly fee will remain $79, and you can cancel your plan anytime. If unsatisfied with Sky Blue's services, you can also request a refund within 90 days of enrollment.
The Credit People
The Credit People offers customizable services in many ways. As with most credit repair companies, you can receive free consultations and credit scores. You can also call The Credit People for tips, questions, and free consultation. This is a company that truly wants to make sure you have the services you need in the way you want to receive them.
The credit experts at The Credit People will give you the information you need without the stress that comes with it. You’ll have access to your credit reports and scores to see where you currently stand. You’ll also have online access to watch The Credit People’s progress as they work to repair your credit.
Credit repair services aren't all you’ll get from this company. Though the company does help you repair your credit by disputing items on your credit report, it also considers every avenue possible to improve your credit score. They’ve been in business for over 15 years, so as you can imagine, The Credit People has helped its customers through various tough situations. That’s why they’re there to support you in other areas, including with credit checks and employer assistance. You can even request one-on-one assistance instead of working with a team of experts if you prefer to have only one person handling your credit services.
With The Credit People, you’ll have three payment options. There’s the monthly membership, which costs $79 to get started with, then there is a Premium for $119 per month, or you can also choose the flat-rate membership, which is $599 for complete service over six months. Additionally, The Credit People offers a satisfaction guarantee. If unsatisfied with your service, you’ll receive a refund for the past month’s payment and won’t be charged.
The Credit Pros
The Credit Pros offer trustworthy services to help you get your credit back where it needs to be. The first service is a free phone consultation that can be confused in either English or Spanish. Instead of waiting for someone to call you, you can select the time and date you want to have your consultation in the language of your choice. You can even include specific questions or issues in your request form to help your consultant understand what you need before picking up the phone.
When you work with The Credit Pros, you’ll receive a one-on-one action plan created with a Certified FICO® professional. Each plan includes access to your full credit report, including your TransUnion credit score and credit monitoring. There are also identity theft protection services, including DarkWeb monitoring and social security trace monitoring.
The Credit Pros offers three plans to choose from. The plan with the lowest cost is the Money Management ($69/mo), Prosperity Package ($119/mo), or Success Package ($149/mo). These three plans are pretty similar. They include bill reminders, a budgeting system, and real-time account sync. There is a $119 first work fee in the first two plans and a $149 first work fee in the Success Plus plan.
You’ll also get access to debt validation letters to creditors with any of these plans. The real difference comes down to two optional features. The Money Management and Success Packages offer access to National Credit Direct, which provides credit bureau reporting and affordable payment plans to help consumers purchase merchandise while building credit.
No matter which plans you choose, The Credit Pros allows you to cancel your service anytime. There is also a 90-day guarantee to receive 100% of your money back if The Credit Pros fails to get any questionable items deleted or updated on your credit report. Additionally, The Credit Pros promises they will not over-promise or guarantee a specific outcome because every situation differs.
Increase Your Credit Score (And Get Your 3 Bureau Reports Free!)
- FREE "Certified Credit Repair Specialist" Consultation
- 90 Day Money Back Guarantee
- Takes Less Than 2 Minutes To Sign Up
Best credit repair companies summary
Company | Costs | Free Consultation | Better Business Bureau (BBB) rating |
Creditrepair.com | $49.95/mo + $49.95 start-up fee | Yes | Not Rated |
Credit Saint | $79.99/mo + $99 start-up fee | Yes | A |
Lexington Law | $99.95/mo | Yes | C- |
Sky Blue Credit | $79/mo + $79 set-up fee | Yes | A+ |
The Credit People | $79/mo with $19 set-up fee or $599 for full 6-month service | Yes | C+ |
The Credit Pros | $69/mo | Yes | A+ |
FAQs
Why would I have bad credit?
Simply put — life happens. Maybe your interest rates are so high that it’s hard to keep up with your minimum payments. Maybe you had to file for bankruptcy. In some cases, you could even have forgotten about a credit card, resulting in several late payments.
What should I look for in a credit repair company?
Reviewing each company’s credit repair packages and customer reviews is a good place to start. You’ll also want to look for any red flag that might hint at credit repair scams. You’ll want to make sure that the company is aware of the Fair Credit Reporting Act (FCRA) and the Consumer Financial Protection Bureau in general. Legitimate companies will be transparent with you, so it might be a good idea to look elsewhere if you feel uncomfortable when getting a consultation. The Credit Repair Organizations Act (CROA) regulates each company's behavior, and if you believe that a credit repair company has violated the law, you should report them.
What are the three major credit bureaus?
Experian, Equifax, and TransUnion.
Why should you use a credit repair company?
While the credit repair industry does include some scams, some legitimate credit repair companies with years of experience can help you out. If you have bad credit or poor credit, a consultation with one of these credit repair companies might be the first step to getting on the right track. Credit repair companies can help you with credit disputes on your credit report if they don’t belong to you or should no longer be there. This might include bankruptcies, foreclosures, repossessions, liens, late payments on a credit card, debts with debt collectors or collection agencies, and other report errors and charge-offs.
The bottom line
If you suffer from poor credit, you may consider hiring a credit repair company. Before you do, it’s important to understand what to look for in a company and what services you need to help you improve your credit. Any company you consider working with should have a good reputation, transparent policies, and pricing.
Some credit repair agencies offer more than others. For example, some may offer services in addition to those directly related to disputing items on credit reports. If you want assistance with identity theft protection or other services, you may want to see if a credit repair company can offer that. Or, if you want to help to remove a few items from your credit report, you might want to look for an affordable basic plan, so you’re not paying for services you don’t want or need.
No matter which company you choose, don’t be afraid to take your time and ask questions. All of the companies on this list offer a free consultation. During this consultation, you should expect to receive specific information on how the company can help you improve your credit. There’s no quote process like other financial products like credit cards, but you can still create your comparisons by consulting with more than one company.
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Ashley Hart is a lead copywriter and digital marketing expert covering finance, law, real estate, music, entertainment, health and wellness.
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