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1
Credit Saint
Credit Saint
Saints or not, these credit repair experts provide a low-cost, no-risk service
  • Low startup costs
  • 90-day money-back guarantee
  • Personal credit advisor
  • Low startup costs
  • 90-day money-back guarantee
  • Personal credit advisor
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2
The Credit People
The Credit People
Casts a wide net across 3 credit bureaus to find affordable ways to fix your credit
  • Free credit consultation
  • 60-day satisfaction guarantee
  • Online Help Zone for customer success
  • Free credit consultation
  • 60-day satisfaction guarantee
  • Online Help Zone for customer success
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3
Sky Blue
Sky Blue
An industry veteran that goes to bat for you, fighting reporting errors with 3 credit bureaus
  • Simple online sign up
  • 90-day money-back guarantee
  • Online education center for assistance
  • Simple online sign up
  • 90-day money-back guarantee
  • Online education center for assistance
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4
Pyramid Credit Repair
Pyramid Credit Repair
The pyramids weren't built in a day, but this firm promises speedy, 100% guaranteed results
  • Choose from singles or couples plans
  • 100% money-back guarantee
  • Personal account manager
  • Choose from singles or couples plans
  • 100% money-back guarantee
  • Personal account manager
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5
CreditRepair
CreditRepair
Custom consulting that helps customers boost their credit by 40 points on average
  • Free personalized credit consultation
  • Easy to reach with any concerns
  • Personal online dashboard
  • Free personalized credit consultation
  • Easy to reach with any concerns
  • Personal online dashboard
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6
The Credit Pros
The Credit Pros
Transparent pricing, lifetime guarantee and real industry expertise to help mend your credit
  • 2-week trial period
  • Lifetime guarantee on deleted items
  • Hours of video training
  • 2-week trial period
  • Lifetime guarantee on deleted items
  • Hours of video training
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7
Lexington Law
Lexington Law
Credit monitoring and the know-how of a bespoke law firm, all under one roof
  • Free credit repair consultation
  • Cancellations accepted anytime
  • Credit educational tools
  • Free credit repair consultation
  • Cancellations accepted anytime
  • Credit educational tools
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Credit Repair
We find the 10 best options, so you can make informed decisions on tons of products and services.

Credit Repair – What to Know First 

These are the top credit repair companies on the market today. Read on for in-depth details on features, plans, and pricing.

Lexington Law

  • Real-time credit monitoring

  • Lots of credit repair options

  • Works with licensed attorneys

  • Multiple discounts available

When it comes down to repairing your credit, there are a few non-negotiable features, and reliability is one of them. Lexington Law is one of the top reputable credit repair companies around, and it has helped more than half a million people clean up their credit reports to date. In addition to using several tools to find and alleviate errors on credit reports, Lexington Law is known for helping clients clean up their credit for mortgages, divorce hearings, military service issues, student loan repayment, identity theft, medical bill debt, and more.

One of the nicest features of this company is the free consultation it offers. Lexington Law works with a wide network of qualified lawyers who offer legal counsel to customers. They sit with you, look over your credit report, and deliver a credit score summary along with advice on what actions are required to help clear and repair your credit.

Lexington Law offers 3 plans: Concord Standard includes bureau challenges and creditor interventions to help restore your credit. The plan starts at $79.95 per month. At $99.95/month, Concord Premier adds monthly credit score analysis, TransUnion Alerts, and tools designed to help you monitor and repair your credit quickly. Premier Plus adds tremendous value with a FICO Score Tracker, Identity Protection, and a suite of personal finance tools to help you regain control of your funds, and costs $119.95 per month.

If you are currently in or ever were in the military or are related to someone who is/was, you can qualify for a deep discount with Lexington Law. Additionally, couples receive a discount if they both sign up with this credit repair company. Finally, Lexington Law doesn’t hold you to any contract or obligation. You are free to cancel any time you want. 

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Credit Saint

  • 90-day money back guarantee

  • Extremely competitive monthly rates

  • No hidden fees

  • Lots of online educational resources

Credit Saint is a credit repair service that knows how to help people suffering from bad credit reports. It starts things off nicely by publishing all terms, pricing information, and policies clearly on the website, so customers can see what they’re dealing with up front. Additionally, Credit Saint offers a 90-day money back guarantee, so you know you’re getting your money’s worth with this company.

Credit Saint has 3 plans, each one takes care of increasingly more issues with your credit report, and the most basic package comes at just $49.99. What’s more, the Clean Slate package offers unlimited disputes, something you won’t find with most other credit repair services. And what most customers appreciate about Credit Saint is that it doesn’t charge you at all to make the initial credit pull, another savings.

Lastly, Credit Saint takes people through the entire credit restoration process from assessment to completion, explaining every step of the way. Credit repair is not something most people are familiar with, and having each stage explained clearly and in terms you can understand is a big help and comfort. Credit Saint is great at speaking your language and putting complicated finance terms into words that anyone can understand. The human touch coupled with good pricing and results that start to show up in as little as 45 days from application make Credit Saint a worthy candidate for your business. 

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The Credit People

  • 100% money-back guarantee

  • Discounts for couples memberships

  • No contracts, cancel anytime

  • Fast results

With adorable and whimsical mascots, The Credit People makes the entire credit repair that’s normally intimidating, confusing, and overwhelming much more pleasant to deal with. But a friendly face is not all The Credit People has to offer. This service offers a variety of solutions for repairing your credit.

The Credit People has considerably lower startup fees (just $19), and its monthly fee of $79 is reasonable considering everything you’re getting. It's higher than some of the basic plans you'll find with competitors, but it doesn't compare to the more expensive plans being offered and includes everything you could hope for from a credit repair service. You could also save money by paying for 6 months in advance (a $100 savings) plus the initial setup fee is waived when you get the six-month plan. To seal the deal, The Credit People offer a 100% satisfaction guarantee. If you aren’t happy with the results, you’ll get a full refund after the six months have passed. That is a great guarantee and speaks to the reliability of this company.

We also really like the 24-hour online access that is available for members. It’s loaded with plenty of financial education resources that not only help you understand the credit repair process, but they also give you tools to help you understand financing and how to act more responsibly with money, so your credit report stays problem-free in the future. The Credit People are friendly, effective, and economical. 

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Credit Repair: What to Know First

Your credit report and score should help you to put your best foot forward, rather than standing 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 3 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 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.

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.

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