The Best Credit Repair Services

Sarah Badani

Having lousy credit can be a pain for so many reasons, whether you're trying to buy a house, do renovations, or apply for a credit card. And the worst part is that a lot of bad credit has to do with irrelevant errors on your credit report. That's when credit repair services come into play.

From correcting errors to disputing charges and more, the best credit repair companies can clean up your credit report and increase your score by several points.

Want to know more about this service? Check out our guidebook to everything that is credit repair, along with reviews of the top legitimate credit repair companies in the country.

TransUnion, Experian, Equifax
TransUnion, Experian, Equifax
TransUnion, Experian, Equifax
TransUnion, Experian, Equifax
TransUnion, Experian, Equifax
TransUnion, Experian, Equifax
TransUnion
Cancel anytime
90 days
Satisfaction guarantee
100% money-back guarantee
Lifetime guarantee
90 days, cancel anytime
Cancel anytime
Origination fee, monthly fees
One-time setup fee, monthly fees
Starting fee, choice of monthly or flat rate
Monthly fees
Pay per results or monthly plans
One-time setup fee, monthly fee
One-time report fee, monthly fees
Challenges and future identity protection
Working with collections agencies
Quick boost of credit score, approval rating
Straightforward and all-inclusive pricing
Bad credit reports, building credit
Credit errors, credit score optimization
Direct interaction with creditors
Starting at $89.85
Starting at $79.99
$79 a month/$419 flat rate
Starting at $99
Starting at $19
$79/$119
$99.95

The Best Credit Repair Services - An In-Depth Look

  • 1

    Lexington Law

    The #1 credit repair services law firm
    Lexington Law
    • Credit BureausTransUnion, Experian, Equifax
    • Best ForChallenges and future identity protection
    • PriceStarting at $89.85

    Lexington Law is one of the top credit repair companies. It’s a law firm that specifically deals with fast credit repair and fair consumer treatment. So, Lexington Law will really go to bat for you to help clean up your credit report. Credit repair services include a free consultation and credit report analysis, disputing errors on your report, and helping negotiate with creditors you owe money to currently.

    If you’re looking for more advanced credit repair services, Lexington Law has a good premium plan. It offers things like credit report watch and TransUnion alerts. So, if issues arise on your credit report again, you’ll be covered. There’s also a solid identity protection feature, something that is essential in today’s fraud-heavy society.

    Pros
    • Identity protection
    • Fraud and transaction alerts
    • Credit bureau challenges
    Cons
    • Basic plan is very limited
    • Longer repair process than most
    Read Lexington Law Review
  • 2

    Credit Saint

    Thorough and expert credit repair services
    Credit Saint
    • Credit BureausTransUnion, Experian, Equifax
    • Best ForWorking with collections agencies
    • PriceStarting at $79.99

    Credit Saints shows you exactly how to repair your credit quickly and professionally. Through inaccuracy challenges, correcting untimely or misleading information, and having unverified information removed, this legitimate credit repair company scrubs your credit report clean.

    Credit Saint sets you up with a personal advisory team of experts who will monitor your account and work with you to repair your credit. If you're not into the one-on-one interaction, Credit Saint has a convenient online dashboard that lets you keep track of the progress on your credit report repair.

    Credit Saint offers 3 plans: medium, high, and very high aggressiveness levels. All plans come with a solid 90-day money-back guarantee, the ability to cancel anytime, and customer support. Credit Saint will work on negative credit report items like late payments, identity thefts, charge-offs, and collections. More advanced plans will even tackle things like bankruptcies, repossessions, and judgments against you.

    Pros
    • Handles bankruptcies, repossessions, etc
    • Personalized challenge agreements
    • 90-day money-back guarantee
    Cons
    • Pricey setup fee
    • Not available across the country
    Read Credit Saint Review
  • 3

    The Credit People

    Fast and comprehensive credit repair services
    The Credit People
    • Credit BureausTransUnion, Experian, Equifax
    • Best ForQuick boost of credit score, approval rating
    • Price$79 a month/$419 flat rate

    One of the best credit repair companies, The Credit People, has a fun and somewhat whimsical approach to credit repair. It’s a heavy subject for some people, so it’s actually pretty refreshing to find a service that lightens the mood a little with amicable customer support and friendly mascots to assist you.

    Aside from a good bedside manner, The Credit People offer a hefty 53-187 point boost to your credit score (estimated), 1.5 million credit issues wiped out, and more than 70% approval rating for its customers. The Credit People also has a fast track that can clean up your credit in just 60 days, an unbeatable satisfaction guarantee, inquiry validation, and unlimited disputes that it’ll handle for you.

    Pros
    • Results in less than 60 days
    • Monthly or flat-rate pricing
    • Satisfaction guarantee
    Cons
    • No identity theft protection package
    • No guarantee on bankruptcy removal
    Read The Credit People Review
  • 4

    Pyramid Credit Repair

    Hassle-free credit repair at affordable pricing
    Pyramid Credit Repair
    • Credit BureausTransUnion, Experian, Equifax
    • Best ForStraightforward and all-inclusive pricing
    • PriceStarting at $99

    Pyramid Credit Repair is one of the top credit repair companies out there because it's so straightforward and flexible. It offers an uncomplicated fee structure; you pay a monthly fee, and that's it. There are no hidden charges and no startup fees. Pyramid Credit Repair also makes things simple by allowing you to cancel your plan at any time.

    Pyramid Credit Repair delivers personalized game plans to customers to help fight credit issues and errors. There is a real 100% satisfaction guarantee that gets you your money back if you aren’t completely satisfied and 24/7 customer support available with all plans. Pyramid Credit Repair also has a couples plan that provides you with a single account manager for both your accounts, finance tools for couples, and more.

    Pros
    • Customized dispute process
    • Text alerts for credit updates
    • Live, assigned dedicated account managers
    Cons
    • Not available in every state
    • Not as experienced as other services
    Read Pyramid Credit Repair Review
  • 5

    The Credit Pros

    Flexible credit repair services for everyone
    The Credit Pros
    • Credit BureausTransUnion, Experian, Equifax
    • Best ForBad credit reports, building credit
    • PriceStarting at $19

    One of the top credit repair services out there, The Credit Pros, is professional and fast. You'll get a one-on-one consultation with a finance expert who will assess your credit report, discuss your options, and make a tailored action plan for clearing your credit report. The Credit Pros can help remove all types of errors and credit issues from your credit report, including bankruptcies, inquiries, foreclosures, late payments, judgments, collections, and of course, incorrect information.

    The Credit Pros also has some impressive features. For one thing, you’ll get a lifetime guarantee on the results. The Credit Pros also offers pay for results or monthly pricing, so you can pick the pricing plan that works best for you. And you can even take advantage of payment plans for more flexibility. See your progress with your private online account portal 24/7.

    Pros
    • Pay per results or monthly plans
    • Lifetime guarantee
    • Online portal for real-time updates
    Cons
    • Initial fees are a little higher than others
    • Not available in all states
    Read The Credit Pros Review
  • 6

    Sky Blue

    Rapid credit repair services for less
    Sky Blue
    • Credit BureausTransUnion, Experian, Equifax
    • Best ForCredit errors, credit score optimization
    • Price$79/$119

    Sky Blue is a consumer-centric credit repair service that knows how to repair credit fast. In fact, this company has fast credit repair down to a science. Sky Blue will dispute 15 items every 35 days to rapidly go through any and all issues on your credit report, so your credit score will improve quickly, and you can move on with life. Sky Blue offers affordable plans and a discount for couples that want to sign up together, as well. You can pause or cancel anytime without a fee, too.

    Sky Blue also has additional services that can be useful for people trying to repair and rebuild their credit. For one thing, you’ll get expert guidance on the steps you should take to start rebuilding your credit from scratch. Sky Blue will also provide services like goodwill letters, cease and desist letters, and debt validation. These services are freebies that come included with your plan.

    Pros
    • Pro Analysis tech for more in-depth results
    • Rapid dispute process
    • Guidance on rebuilding credit
    Cons
    • High setup fee
    • Legal services not available
    Read Sky Blue Review
  • 7

    CreditRepair

    Credit repair one item at a time
    CreditRepair
    • Credit BureausTransUnion
    • Best ForDirect interaction with creditors
    • Price$99.95

    CreditRepair focuses all of its energy on one thing—repairing your credit report. It picks apart negative items on your report and ensures that you get a fairer representation. So, even if the items are technically true, CreditRepair is there so that you come out sounding your best every time.

    CreditRepair offers a fair monthly fee, and only a nominal initial fee to get things started. And customers will appreciate all of the tools included in the plan. CreditRepair provides a private online dashboard, so you can check your status, see what changes or improvements have been made to your credit report, and receive email alerts about important credit events. CreditRepair also has a useful score tracker and analysis tool.

    Pros
    • Score tracker and analysis tool
    • Smart mobile app and online dashboard
    • Text and email alerts
    Cons
    • Fee for pulling credit reports
    • Only works with TransUnion
    Read CreditRepair Review

Credit Repair: What to Know First

Your credit report and score should help you to put your best foot forward, rather than stand in your way. A good credit score will earn you better interest rates on loans and credit cards, giving you more choices and saving you money.

The first step to improve your credit is to understand your credit score and what it does for you. When you choose a reputable credit repair service, it will pull your credit score from a credit bureau and formulate an effective strategy for disputing mistakes with actions to improve your score.

If your credit is in the ‘fair’ range, you are considered a subprime borrower and will probably have some difficulties obtaining credit, like mortgages, business loans, personal loans or credit cards, or being offered reasonable interest rates. Getting assistance from one of the best credit repair companies is essential in improving your standing with lenders.

If your credit score is between 300 and 579, you’re considered to have ‘very poor’ credit. Applicants with this rating will often not be approved or have to pay a large deposit and high interest rates. If you fall in this range, support from a credit repair service can help you qualify for a loan.

How Does Credit Repair Work?

Your credit score may be low, but a credible credit repair service with experience will represent your disputes with the credit bureaus and improve your credit score. A reputable credit repair agency will dispute errors, negotiate settlements, and guide you through the clean-up of your credit report with tips for maintaining it

An experienced credit repair company will employ financial professionals who will first obtain and analyze all three major credit bureau reports to determine the best course of action. It will then begin the dispute process, raising your credit score with each successful dispute.

Why Use a Credit Repair Company?

A key purpose of a good credit repair company is to remove errors from your credit report. Input errors, mistakes, and fraud can seriously impact your credit without any fault of your own. Errors are common, ranging from mistakes in lender reports to careless mistakes or misreporting. Professional credit report challenges and disputes can make the process easy, fast, and hands-off for you.

If you have an unsettled debt with a company that has gone out of business or does not respond within a reasonable time period, a top credit repair company can get it removed from your credit history.

How Can Credit Repair Help Me?

Credit repair counselors are trained in financial laws and protocols and have the ability to challenge your credit reports errors. A top-ranking credit restoration company can quickly improve your credit score, which will then decrease your total debt with better interest rates, and no additional loan insurances, and help you qualify for more credit options.

5 Things to Look For in a Credit Repair Company

Choosing the best credit service to resolve your poor credit score can be helpful in getting the best results. You should examine the following when looking for the right credit repair company:

  1. Free consultation is standard and should be offered before any commitment is expected from you.

  2. Credit restoration experience ensures expert care towards results.

  3. Industry certifications such as the Certified Credit Repair Specialist title from the Institute of Consumer Financial Information (ICFE).

  4. Understand the timeframe. The average credit repair process should not surpass 4 or 5 months, and disputes shouldn't extend past 60 days unless there's considerable damage.

  5. Competitive pricing ranges from $80 to over $100. Companies occasionally have a standard setup fee or an extra charge for credit reports

  6. Consider the extra services if you want help maintaining your credit after it’s repaired.

How Much Does it Cost to Repair My Credit?

Legitimate credit repair companies offer 2 types of pricing structures:

  • Per item pricing

  • Per month pricing

Some credit repair services will allow you to choose the type of pricing structure you want, while others only offer a single pricing model. If you have the choice, the right one depends on the status of your credit report. If you have a lot of errors and issues on your credit report, then a monthly payment model will be more cost-effective for you. On the other hand, if your credit report is relatively clean and just contains a few items that need to be disputed, you could potentially save a lot by opting for the per-item pricing structure.

Generally, the best credit repair services will range in monthly pricing from $49-$129 a month. Be sure to look at what is being offered with the plan when comparing prices.

Another cost to factor into your equation is the initial fee. Some top credit report companies will waive this fee, but most will charge you some sort of setup fee to get things rolling. This can run you anywhere from $15 to $100, depending on the services and plan you sign up for.

How Long Will it Take to Repair My Credit History?

How long it takes to repair your credit history has to do with the specific credit repair service you choose and, of course, the severity of your credit report status. If you have a whole slew of errors on your report, naturally, this will take longer than it would for someone who has relatively few issues.

The average timeframe for credit repair is somewhere around 6 months. There are services that offer super fast credit repair in roughly 1 to 2 months. But this is the exception rather than the rule. Expect to have your credit repair take closer to the average of 6 months.

Compare the best credit relief companies and choose the plan that works best for your needs. Keep in mind the reputation of the company, prices and promised results, and look forward to a better credit score.

Sarah Badani
Sarah Badani has extensive research and review experience in the finance industry. With a degree in psychology and education, she brings a level of depth and understanding to her writing along with her own flavor to spice up each topic in a unique and inviting way.