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Your credit report affects your whole financial life. The kind of car you can get, how much interest you will pay for your house and so much more.
So if your credit score is less than desirable, you may need to know what are the best credit repair companies out there to help you?
A good credit repair company can help improve your credit score. And if your credit score improves, so does everything else in your life. (almost lol.)
The higher your score, the lower the interest you will pay for your house, car or any loan. Which could wind up saving you thousands of dollars over the course of your life.
So, choosing the right credit repair company is certainly important.
We’ve run down a list for you of all the credit repair companies out there and the pros and cons of each so you can choose the best one.
7 Best Credit Repair Companies 2022
- Best overall: Credit Saint
- Most popular: Lexington Law
- Lowest set up fees: The Credit People
- Best app: CreditRepair.com
- Best add-ons: The Credit Pros
- Best value: Sky Blue
- Best cancellation policy: Ovation Credit Services
Credit Saint – Best Overall Credit Repair Company
With an A+ rating from the BBB, a 90-day money back guarantee and excellent customer service, Credit Saint is the best overall credit repair company out there.
Credit Saint: Best OVerall Credit Repair Company
My #1 pick for the best overall credit repair company is Credit Saint. They are a reputable firm that have been in business since 2004 and maintained an A+ rating with the BBB.
Credit Saint offers a free credit consultation and evaluation that is worth $19.99. A professional credit analyst will pull your reports, review them and give you a free consultation.
Once you are signed up, you get an assigned case manager to keep you updated on your progress.
Credit Saint BBB Rating
For 10 years Credit Saint has maintained an A rating with the Better Business Bureau. Plus, they offer a 90 day money back guarantee for peace of mind.
With Credit Saint you will get a personal dashboard where you can view your credit analysis, reports and more.
Credit Saint Pros:
- A rating with the BBB
- 90 day money back guarantee
- Three pricing options
- Reputable, established company
Credit Saint Credit Repair Package Options
There are 3 different levels and packages of credit repair services that you can purchase from Credit Saint.
The least expensive credit repair package is Credit Polish which is $79.99 per month. It includes score analysis, creditor interventions, score tracker and challenges to the 3 credit bureaus.
One step up from the basic level is the Credit Remodel package. It includes all the same features of the Credit Polish package, but also includes inquiry tracking.
It is a more aggressive credit repair package than the standard level.
The clean slate option is the most expensive credit repair package, but will also provide you with the most service. It costs $119.99 a month plus a set-up fee of $195.
It includes unlimited challenges to the 3 credit bureaus though so if you have a lot of credit report issues you definitely need to purchase this option.
You also receive inquiry tracking with this option in addition to the features of the lower-priced levels.
Lexington Law: Most Popular
Lexington Law is one of the most well-known credit repair companies out there.
They have been around for many years, and have actually gotten over 70 million negative credit report items removed since they started.
Their credit repair services team is made up of lawyers and paralegals which is a bonus. They have over 30 years of experience, making them one of the best credit repair companies out there.
They even say their credit repair process has been patented! Plus with professional lawyers on staff, they can explore all possible legal options to get items removed from your report.
Lexington Law Firm Credit Repair
- Actual lawyers
- Tons of experience
- Multiple plan options
- Patented repair process
- #1 rated app
- C rating with the BBB
- Pending lawsuit
- 3 Pricing tiers
Reviews of Lexington Law
Lexington Law has an overall rating of 4.7 for customer service. Overall, they have a lot of positive reviews and testimonials from actual credit repair customers.
However, one negative about Lexington Law is they only have a C rating with the Better Business Bureau. That is not so great, especially compared to many of the other credit repair companies in this guide.
Lexington Law Credit Repair Plans
Like other companies, Lexington Law offers 3 levels of service.
Concord Standard is the basic plan which costs $89.95 a month. A step up from that plan is the Concord Premier which is $109.95. You get a few more features on this plan.
The most aggressive credit improvement plan offered by Lexington Law is the Premier Plus for $129.95 a month. As you can see from the pic below, they each offer different features.
You can learn even more in this in-depth review of Lexington Law.
The Credit Pros: Best Add Ons
Another excellent credit repair company is The Credit Pros. As their name suggests, they are pros in the credit repair world.
They haven’t been in business quite as long as some of the others, but they started in 2009 and are one of the fastest growing credit repair companies out there.
Plus, The Credit Pros has a dedicated team of actual attorneys which is an important factor when choosing a credit repair company.
They offer a free initial phone consultation. Ongoing credit monitoring is included at no additional charge as part of your credit repair plan.
While they don’t offer a money-back guarantee, you can cancel anytime.
The best thing about The Credit Pros is that they offer some nice add-ons like Tradelines you can purchase to increase your credit score. One of their monthly packages offers a credit builder loan to further improve your score.
The Credit Pros
- Unlimited dispute letters
- ID theft restoration included
- Debt validation letters to creditors
- No money back guarantee
BBB Rating for The Credit Pros
The Credit Pros have an exceptional, A+ rating with the Better Business Bureau. Which means you can trust them to do a great job improving your credit.
The Credit Pros was started by an attorney who was an expert in credit repair.
The Credit Pros Advantage
You can get a free credit consultation from The Credit Pros to start the process and see if they are the right credit repair company for you.
You will have your own personal credit portal where you can view reports and ongoing monitoring. And, they have a user-friendly app to check your credit repair progress anytime, anywhere.
Like Credit Saint, The Credit Pros also offer a 90-day money back guarantee so you can purchase credit repair with protection.
The Credit Pros also provide free on-going credit monitoring which is a nice bonus. And, a certified FICO professional will give you a one-on-one action plan to repair and improve your credit.
They also offer unlimited dispute letters with their monthly plan which is a nice bonus.
Credit Pros Pricing
The Credit Pros are an affordable option, with their basic plan costing only $49 a month. Plus, as you can see below, they have a lot of included features.
There are 3 credit repair packages to choose from:
Money Management which is $69 a month
The Prosperity Package for $119 a month
The Success Plus Package which is $149 a month and provides the most aggressive credit repair and improvement
Overall, The Credit Pros is an affordable, and reliable credit repair company worth hiring.
CreditRepair.com: Best App
Another one of the best credit repair companies you can choose is CreditRepair.com.
In business since 1997, they have helped their customers with over 23 million challenges and disputes. And, they have gotten over 7.5 million negative items removed from their customer’s credit reports.
CreditRepair.com offers a free personalized credit consultation and 3 plan packages to choose from.
- Ongoing credit monitoring
- Free credit consultation
- Continuous monitoring
- Dashboard and app
- Do not provide service to certain states
Their credit repair process:
They work with you on an intense analysis of your credit report for any questionable negative items, late payments and more.
Challenge and Dispute
They work with your creditors and the 3 credit bureaus to verify negative items and work to have them removed if possible.
CreditRepair.com continues to watch your credit for you, removing any new items that should arise as time goes by.
They also offer a free initial credit consultation which includes your credit score, a summary of any negative items on your credit report, and recommended solutions.
A reputable company CreditRepair.com has a lot of good customer reviews, including with Trustpilot.
They have removed over 8.2 million items from credit reports and processed over 26 million disputes and challenges for their customers.
They offer 3 levels of credit repair and pricing. Direct, standard and advanced, each one more expensive but with more features.
If you have a lot of negative items on your credit report, they suggest you go with the advanced credit repair package.
However, if you only have a handful of negative items to deal with the basic package should work just fine.
The Direct Package is the most basic plan and costs $69.95 a month, with a set up fee of $69.95. It includes bureau challenges, inquiry assists, goodwill intervention and quarterly credit score updates.
The next step-up plan is the Standard package which is $99.95 a month and has a first work set up fee of $99.95.
You get the same features as the direct plan, but you also receive a FICO® Score Inquiry Assist service, which allows you to dispute inaccurate or unfair inquiries on your account.
The most aggressive credit repair plan is the Advanced one which is $119.95 a month with set up of $119.95.
In addition to all the features of the standard plan, you also get monthly credit score updates, more bureau challenges, more creditor interventions and cease and desist interventions.
Credit People: Lowest Set Up Fees
The Credit People is an excellent choice to hire for credit repair. Better credit, easier is their motto.
They say on average they can get their customers a credit score increase of 53-187 points.
The Credit People
- Low set up fee of $19
- Top ranked reviews
- Best money-back guarantee
- No credit monitoring offered
- No financial management tools
The Credit People Advantage
Like many of the other top credit repair companies in this post, The Credit People offer a money-back guarantee. But they actually offer a 60-day guarantee, which is even better.
They also offer a free consultation, with no obligation. Just fill out the form here. They promise results in less than 60 days.
Plus, you can watch the progress in your online account.
With lots of positive customer reviews, The Credit People is a top credit repair company to choose.
They also provide you with a personal online account that you can access from your phone or computer. And, you get instant updates when anything changes. You can monitor changes to your report or credit score in your account.
The Credit People Plans and Pricing
The Credit People have a low set up fee of $19. You can opt for a monthly, standard plan which is $79 and is offered as pay-as-you-go.
Or, you can also opt for a standard flat-rate fee of $419. This gives you 6 months of service and credit repair.
Their start up fee is lower than anyone else’s out there. And, you can cancel your membership at any time.
Sky Blue: Best Value Credit Repair Company
Another well-known and reputable credit repair company is Sky Blue. They have been in the credit repair business since 1989.
Sky Blue Benefits
- One simple plan structure
- Best value and affordability
- Credit score guidance and counseling
- 90 day money-back guarantee
- No financial education tools
Sky Blue Value Pricing
Sky Blue one of the best credit repair companies for value as well. They offer only one plan and pricing structure which is just $79 a month. They do charge a one-time set up fee of $79 though.
Of all the credit repair companies, they are probably the most affordable and the most bang-for-your-buck.
Plus, they offer a 50% discount for couples looking to repair their credit.
Sky Blue BBB Rating
Sky Blue has an A+ rating with the BBB, which you can’t get better than! Obviously, they are a reputable and consistent credit repair company.
Sky Blue Benefits
Sky Blue provides a free initial consultation. They also offer a 90-day money back guarantee. So, if you aren’t happy for any reason you can actually get your money back.
You can also pause your services temporarily if needed without completely cancelling the service.
Services include cease-and-desist letters, good will letters, debt settlement and debt validation. They will send up to 15 dispute letters every 35 days, which is a lot!
Their coaches on call program allows you to call at anytime for questions and consultations during your plan.
One of the cons of Sky Blue is that they do not offer financial education tools.
Ovation Credit Services: Best Cancellation Policy
Ovation Credit Services was actually started by Lending Tree. They have an A+ rating with the Better Business Bureau as well which makes them one of the best credit repair companies to choose from.
On average, they are able to provide 19 credit improvements for every customer they help. So, you can be assured they will improve your credit.
Ovation Credit Repair
- Cancellation anytime with no fees
- Discounts available
- Free consultation
- Does not offer 24/7 phone support
- Credit monitoring only with more expensive plan
Ovation Credit Repair Plans
Ovation Credit Services offers two credit repair packages, Essentials and Essentials Plus. For either plan, you have to pay an initial $89 set-up fee to start them on a repair program for your credit.
The Essentials Plan is $79 a month, but includes a personal case advisor to help work with you on your credit report and inaccurate items.
For $109 a month, you can upgrade to the Essentials Plus plan. You get everything that is in the Essentials plan, plus unlimited dispute letters and unlimited goodwill letters sent on your behalf. You also get credit monitoring with this plan.
Another advantage of Ovation Credit Services is that they sometimes offer discounts. There is a 20% discount for couples, a 10% discount for seniors or military people and they have a $50 refer a friend credit.
Benefits of Ovation Credit Services
Ovation has an excellent cancellation policy. If you are unhappy at anytime, you can cancel and not pay fees for that month.
Like may of the other of the best credit repair companies, Ovation offers a free initial consultation.
They also have one of the best websites in the credit repair industry. It is user-friendly with a modern dashboard.
You can also opt for same-day service from Ovation. Their fast track service allows you to get help the day you need it.
One of the cons however is you have to call them to sign up.
What is the most aggressive credit repair company?
If you want to know which credit repair company is the most aggressive, you should opt with Credit Saint. But, you should choose their most expensive, highest tired plan. They are the overall best credit repair company and the most aggressive!
With any company you choose, opting for the most expensive plan will give you the most coverage.
What Are the Best credit repair companies on BBB?
The best credit repair companies on the BBB have an A or A+ rating. These are the best BBB-rated repair companies from our list:
What is a credit repair company?
So, what exactly is a credit repair company? Well it is really just like it sounds.
They repair your credit. They clean it up and get any damaging or negative, inaccurate items removed to help increase your score.
Did you know that 79% of credit reports contain some type of mistake or error that affect the credit score?
You may have errors and negative items on your report that you aren’t even aware of. A study done by the Federal Trade Commission showed that one in five people have an error on at least one of their credit reports.
That is a big percentage! So, chances are high that you may have errors on your credit report you aren’t even aware of.
That’s where a credit repair company can help you. They can work to get these negative items removed, and consequently raise your credit score.
Credit repair companies have connections and processes in place to do this for you and do it more quickly. While you can actually dispute credit issues yourself, it is much faster and more reliable to hire a credit repair company.
And the best credit repair companies have lawyers on-staff, which makes the process even more reliable.
Bonus tip: If you don’t even know anything about your credit score or listed accounts, sign up for free with Credit Karma. You can download their app and get a detailed look into your credit to start the process.
How Do Credit Repair Companies Fix Your Credit?
Credit repair companies will work to have negative, inaccurate, items removed from your credit report.
In addition, they can provide ongoing credit monitoring and even credit counseling to help your credit score increase even more.
Items that a credit repair company can fix:
- Duplicate accounts
- Fraudulent activity
- Incorrect credit inquiries
- Derogatory marks on your credit report and delinquencies
- Inaccurate accounts
- Accounts that don’t belong to you
- Missing accounts that should be appearing on your reports
One negative item on your credit report can lower your credit score by as much as 100-200 points.
So getting these negative items removed will raise your credit score.
Here is a scale showing how much negative items can lower your credit score:
Does Credit Repair really Work?
You might be wondering if it is even worth it to hire one of the credit repair companies in this list of the best.
While it is true that not all items can be removed from your credit report, in most cases these companies can help improve your credit.
They should be able to correct issues, and with a free consultation on the front end, they can definitely give you a fair prognosis on what they can do for you.
How Long Does Credit Repair Take?
It depends! In general, a good credit repair company should be able to make improvements in the first month. But, some items can take longer to work out.
And, it can take time for your credit score to increase.
Repairing your credit and raising your score can also depend on how bad your credit is. If you only have a few errors and issues, the process should be much quicker.
The Fair Credit Reporting Act actually specifies that from the time the credit bureau is informed of an issue on your report, they must correct or remove them within 30 days.
Whereas, if you don’t hire a company to help you, it can take 7-10 years for a negative item to fall off your credit report!
That is a really long time. The number of errors you have can also affect how long it takes to repair your credit.
One important thing to know is that not all items can be removed from your credit report. If you have some negative items that were legitimately your fault, you may not be able to get these removed.
What to look for in a Legitimate Credit Repair Company
There are a lot of factors in what makes a good credit repair company. Here are a few things you might want to look for.
On-staff legal team
Most of the best credit repair companies have their own staff of lawyers. With lawyers on your side, it packs a lot more power and expertise to help repair your credit.
Several of the credit repair companies will offer you a free initial consultation before you actually hire them.
This is a great way to test out the company, see if it is a good fit or if they sound like they now what they are doing.
If you find a lot of positive customer reviews online from actual customers, it is a good indicator that you can trust a credit repair company.
Good BBB rating
Look for a credit repair company with good ratings with the Better Business Bureau. It is an indicator of whether you can trust a company or not. If the company has gotten a lot of dings and customer complaints, they will not have a good BBB rating.
Money Back Guarantee
You should absolutely look for a company that offers a money back guarantee. It will provide you with some safety in your purchase.
What to Know about Credit Repair
Before you pull the trigger on credit repair, know these important points.
Not all negative items can be removed
Good credit repair companies can get inaccurate, fraudulent, outdated or even unverifiable items removed from your credit report.
But, they cant’ necessarily get everything bad removed. Especially if something is your fault. If you defaulted on an account, they can’t get that removed.
Credit Repair takes time
You should also know that credit repair is not always an immediate result. It can take time to get items removed from your credit report.
It can take dispute letters and time from the credit repair company on your behalf. And, for your credit score to increase, can also take time
In some cases, it may take a few months to get all relevant negative items removed from your credit.
You can’t be Billed Ahead of time
Credit repair companies can’t make you pay in advance of the work. They must provide the services before you pay them.
And, they need to provide you with a written contract first detailing the services they will provide and the associated fees.
You have 3 days to cancel
You legally have 3 days from hiring a company to fix your credit to cancel penalty-free.
Can you DIY your Credit Repair?
Yes, you can do your own credit repair.
But, it may not be advisable. For one thing, it will take much longer and be a lot more stressful.
The 3 main credit bureaus are not the easiest to get a hold of. When I did some work on getting a fraudulent account removed from my credit report it required writing letters to the credit bureaus and waiting for a response!
Very old school. Plus, the credit repair companies have a lot of expertise in this area that you likely don’t have. They can accomplish more, and more quickly.
DIY credit repair is not really worth it.
My Experience with Credit Repair
Many years ago I had a major issue with my credit that I was not even aware of until a lot of damage had been done.
Two fraudulent accounts were opened and showed up on my credit report even though they were not mine. And I didn’t know for months and months! Until some major damage had been done to my credit score.
Someone had opened an account under my name, using my social security number except with two numbers switched with each other. This is exactly the type of inaccuracy a credit repair company can find for you and can fix.
I only found out about the fraudulent accounts when a collection agency called me about them. My credit score had dropped all the way into the 500s!
The Consumer Financial Protection Bureau, reports that more than one-in-four consumers (28 percent) have at least one third-party collections like mine on their report.
I was able to get things fixed myself but it took a lot of time and stress and had I know about anyone of these credit repair companies at the time, I would have hired them.
Even one small thing on your report that is negative, like a late payment, can cause your score to drop a lot. But a score of 500 will prevent you from doing anything you want or need to.
Final Thoughts on The Best Credit Repair Companies
As you can see, there are many reputable and experienced credit repair companies out there.
Take a look at each one, weight the pros and cons and choose the best one for you.
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