The best credit repair companies have the skills and experience to help you with your credit, whether you have late payments, judgments on your credit report, or even accounts in default. While you definitely have the right to negotiate with your creditors yourself, credit repair companies can take on this grunt work for you, completing tasks that feel overwhelming or beyond the scope of your abilities.
To help in your search for the right provider, we took the time to compare more than 20 credit repair companies that offer services nationwide. Lexington Law came out ahead of the pack due to their transparent pricing schedule and highly rated mobile app, but other credit repair agencies that made our ranking stand out in their own way.
$99.95 – $139.95
$99.95 – $139.95
Military, Friends and Family (via referrals)
$99
$79.99 – $119.99
N/A
$79
$79 – $119
Couples
$19
$79 (or flat rate of $419 for 6 months)
Couples
$119 ($198 for couples)
$119 ($198 for couples)
Couples, Teachers, Veterans
Our Picks for Best Credit Repair Companies of 2022
- Lexington Law: Best Credit Repair Company Overall
- Credit Saint: Best Money-Back Guarantee
- Sky Blue Credit Repair: Best for Transparent Pricing
- The Credit People: Best for Fast Results
- Pyramid Credit Repair: Best Phone Support
- Ovation: Best for Personalized Service
- CreditRepair.com: Best for Credit Report Disputes
Best Credit Repair Company Reviews
The best credit repair agencies can help you find inaccuracies on your credit report and get the clean slate you’ve always wanted. Each company we chose boasts plenty of positive reviews, as well as transparent pricing and a comprehensive list of services, without making outrageous claims.
Keep reading to learn what makes these credit repair services stand out and which credit repair plans they offer.
Lexington Law has been in the credit repair business since 2004, and the company has sent out 221 million challenges & disputes on behalf of their clients since those early days. This company offers assistance from credit repair attorneys, and they can help you get started with a free online credit report consultation. Lexington Law also offers its own helpful mobile app, which has an average rating of 4.7 out of 5 stars among users.
You can sign up for credit repair help from Lexington Law in every state except for Oregon, and they handle all aspects of credit repair ranging from disputing information on your credit reports to bankruptcies, collections, foreclosures, and more.
Lexington Law offers three credit repair plans that range from $99.95 for a basic plan to $139.95 per month for a plan with more services included. For example, their top-tier Premier Plus credit repair plan includes credit repair basics like bureau challenges, free credit report alerts, identity protection, cease and desist letters, and personal finance tools.
- Transparent, upfront pricing
- Highly rated mobile app
- Free credit consultation
- Online dashboard lets you monitor your credit progress 24/7
- Monitoring of TransUnion credit report not included
- More expensive credit repair packages than some competitors
- No money-back guarantee
List of Services:
- Disputes with credit reporting agencies
- Identity theft insurance
- Free credit scores
- Lost wallet protection
- Junk mail reducer
- Creditor interventions
- Assistance with creditor inquiries
Credit Saint was originally founded in 2004, and the company boasts a rating of A with the Better Business Bureau (BBB) and excellent rankings from third parties including Consumers Advocate and Consumer Affairs.
This credit repair firm is one of the best when it comes to challenging incorrect data, and they offer a 90-day money-back guarantee as a result. This means that, if you don’t get the credit repair results outlined in your contract, you can get your money back within the first three months.
This provider also offers a free consultation over the phone, and plans range from $79.99 per month to $119.99 per month. Also, note that this company charges an “initial work fee” of $99 to $195 depending on the plan you choose.
- Online dashboard lets you monitor your credit repair progress online
- Excellent money-back guarantee
- Free consultation to discuss your options
- No mobile app
- Extra "initial work fee" required to get started
- Plans do not monitor your credit with all 3 credit bureaus (just Experian)
List of Services:
- Unlimited challenges with the credit bureaus
- Credit score analysis
- Creditor interventions
- Credit inquiry targeting
- Experian credit report monitoring
Sky Blue Credit has been in operation since 1989, so it’s one of the most established credit repair services in our ranking. This company also offers a transparent and affordable pricing model with a monthly fee of $79 for individuals or $119 per month for couples. Also be aware that, like Credit Saint, Sky Blue Credit charges a one-time first work fee that is equal to the monthly charges on your account.
Sky Blue Credit promises to help you monitor and track your credit score while they file credit disputes that can repair damaging information in your credit history. Credit Saint also offers debt validation, goodwill letters, cease and desist letters, and more at no additional cost. They’re backed by a money-back guarantee as well, so you can get a refund if this company’s customer service doesn’t live up to expectations.
- Free consultation to discuss your options
- Affordable, transparent pricing
- 90-day money-back guarantee on all plans
- Credit repair packages require a one-time setup fee
- No mobile app
List of Services:
- Credit disputes (up to 15 items every 35 days)
- Credit score rebuilding services
- Statute of limitation research
- Debt validation
- Goodwill letters
- Cease & desist letters
The Credit People was originally founded in 2001, so they have had more than 20 years to fine tune their credit repair services. With plenty of experience under their belts, this company promises meaningful results with your credit within the first 60 days. This is much faster than other credit repair companies on our list claim they can perform, so this company can be a good choice if you need credit repair fast.
The Credit People offers the same basic credit repair services as other companies on this list, although their pricing model is rather different. You can get started for just $19 and pay only $79 per month, but you can also prepay $419 for six months of service. That brings the total monthly cost for six months down to less than $70 per month.
- Free consultation to discuss your options
- Results promised in as little as 60 days
- Free credit reports and credit scores from all three credit bureaus
- Mobile app lets you track your credit repair progress on the go
- Customer service offered via live chat, phone or email
- Cancel at any time and get your last payment returned
- No information on company experts or their credentials offered online
List of Services:
- Credit report disputes
- Free credit score from all three credit bureaus
- Free credit report from all three credit bureaus
- Debt validation
- Inquiry validation
- Creditor communication included
Pyramid Credit Repair has been in the business since 2011, although they were originally founded as a software company that aimed to help consumers repair their credit on their own. However, Pyramid eventually added their own credit repair services to their plans, and they now operate as a full-service credit repair company.
Pyramid stands out due to their money-back guarantee, their 24/7 customer support phone options, and the transparent pricing that applies to their plans. A credit repair plan for singles is only $119 per month, but you’ll pay $198 per month if you need credit repair as a couple. On top of those plans, you can pay another $25 per month for 24/7 identity theft protection, credit monitoring including dark web monitoring, and $25,000 in identity theft insurance.
- Unlimited 24/7 phone support
- Unlimited credit disputes
- Free personalized credit assessment
- 90-day money-back guarantee on their credit repair plans
- No upfront fees required
- Credit monitoring requires an extra monthly fee
- No mobile app
- No online dashboard for clients
List of Services:
- Unlimited credit report disputes
- Personal finance tools
- Debt validation
- Inquiry validation
Ovation Credit Repair is a LendingTree company that offers a free consultation and an in-depth look at your credit situation and score. They also offer personalized credit help from a case advisor who will become intimately acquainted with your case, along with personalized dispute resolution and same-day service in some cases.
Plans from Ovation cost either $79 or $109 per month depending on the level of service you require. However, you’ll also need to pay an upfront fee of $89 to get started with either credit monitoring plan.
- Free consultation to discuss your options
- Online dashboard lets clients monitor their credit repair progress 24/7
- Dedicated case manager oversees your case
- You can cancel your plan at any time
- No money-back guarantee
- No mobile app
- Upfront "first work free" of $89 required to get started
List of Services:
- Credit disputes
- Debt validation
- Goodwill letters
- Personalized recommendation letters
- TransUnion credit monitoring
- Financial management tools
CreditRepair.com
CreditRepair.com has been in operation since 2012, and they claim to have filed more than 23 million credit challenges and disputes on behalf of their clients since then. The company has helped with more than 7.5 million removals on behalf of their clients over the last decade as well, and they have taken part in more than 1 million interventions to help their clients improve their credit scores. According to the company, past members have seen their credit scores increase an average of 40 points within six months of starting their program.
Creditrepair.com offers three different plans that range from $69.95 to $119.95 per month. With each of their plans, a “first work fee” equal to the monthly plan fee is required.
- Free online credit evaluation to discuss your options
- Mobile app and online client dashboard make it easy to monitor your progress
- Upfront fee required to get started
- No money-back or satisfaction guarantee
Credit Repair Guide
When it comes to fixing errors on your credit report, working with a credit repair company can make the process easier. This is mainly due to the fact that these companies know exactly which steps to take to repair your credit, and that they take on the most time-consuming parts of the work themselves.
If you want to access the best credit repair money can buy, however, it helps to know how the credit repair industry works and what to expect. Read on to learn how legitimate credit repair companies are supposed to operate and what to look for as you make your decision.
How Does Credit Repair Work?
Credit repair is a term used to describe the process of disputing incorrect information on a person’s credit report. Credit repair agencies do this on their client’s behalf in exchange for payment, usually in the form of a monthly plan fee.
When an individual contacts a credit repair firm, they connect them with the best credit monitoring and credit report oversight services. Credit repair firms then look for incorrect information, false reporting, and credit report errors that can result in a lower credit score than the client deserves. Over time, credit repair companies get incorrect information removed from credit reports and clients see their credit scores improve as a result.
How Long Does Credit Repair Take?
Disputing your credit report takes time, and that’s true whether you do it on your own or you hire a credit repair agency to help. Commonly disputed credit report information can include falsely reported late payments, incorrect credit balances, accounts falsely reported as in collections, and more.
It’s worth noting that there are some credit actions that cannot be removed from your credit reports no matter what, including past bankruptcies. Removing collections from your credit report is also impossible if the information is correct.
The Federal Trade Commission (FTC) reminds us that credit repair agencies cannot remove accurately reported negative information from your credit reports. This means that, if you really did make a late payment or let one of your accounts go to collections, that information will stay on your credit reports for up to seven years regardless of what a credit repair agency says or does.
How is Credit Repair Different from Credit Monitoring?
Credit monitoring is a service that provides oversight of your credit reports and regular reporting of the results. Credit monitoring companies may agree to oversee one of our credit reports or all three, and they often offer additional services like free credit scores, dark web monitoring, Social Security number monitoring, and more. While credit monitoring will let you know when movement is reported within your credit reports, these companies do not help dispute information like credit repair companies do.
It’s also worth mentioning that credit repair is different from credit counseling. Where credit repair firms take steps to help you fix inaccuracies on your credit reports, credit counseling companies meet with you to discuss moves you can make to improve your credit score on your own.
Is Credit Repair a Scam?
The Federal Trade Commission (FTC) says that credit repair and debt relief scams were around well before the pandemic. Further, most scams tend to target financially distressed consumers who have credit problems or significant credit card debt.
“These operations lure consumers to purchase their services by falsely claiming that they will remove negative information from consumers’ credit reports even if that information is accurate,” says the FTC. However, no credit repair agency is entitled to make this claim since it is illegal for credit bureaus to remove accurately reported information on any person’s credit report.
The FTC notes that they have brought about numerous law enforcement actions and lawsuits against bogus credit-related services. In 2010, the FTC also amended its Telemarketing Sales Rule to prohibit for-profit companies that sell their services over the telephone from charging an upfront fee.
The rule “also prohibits debt relief providers from making misrepresentations and requires that they disclose key information that consumers need in evaluating these services,” they write.
With all this being said, there are plenty of reputable credit repair companies out there, including firms that promote upfront and transparent pricing and offer a satisfaction guarantee. If you’re looking for help repairing your credit, the key is finding the best credit repair services out there and choosing the one that aligns best with your needs.
How to Fix Credit Yourself
It’s important to be aware that credit repair agencies can’t do anything for you that you can’t do yourself. This doesn’t mean credit repair services aren’t worth it. It just means that you can fix your credit on your own if you’re willing to do the required research and complete all the work yourself.
Also note that the Fair Credit Reporting Act (FCRA) ensures you have certain rights when it comes to your credit. For example, you have the right to know what is in your credit report and if the information has been used against you. You also have the right to ask what is in your credit reports, and to dispute any incorrect information found.
Credit bureaus like Experian, Equifax, and TransUnion are also required to correct or delete incorrect, incomplete or unverifiable information from your reports within 30 days once they have been notified.
With these details in mind, the following tips can help you repair your credit on your own:
- Dispute true errors on your credit reports. You can get your hands on your best credit report from all three bureaus for free using the website AnnualCreditReport.com. If you find incorrect information on a copy of your credit report, such as false late payments or incorrect balances, disputing your credit report with each applicable credit bureau can help you get it corrected.
- Pay your bills on time. Your payment history is the most important factor that makes up your FICO score, so paying your bills early or on time is one of the most important moves you can make.
- Avoid taking on new debts. Avoid racking up more debts that can increase your credit utilization rate since having too much debt can cause your credit score to plummet.
- Pay down balances on revolving debts. How much debt you owe is the second most important factor that makes up your FICO score, and paying down some of your debts is the best way to score well in this category.
- Keep a close eye on your credit score. Finding your FICO score for free can help you see where you’re at right now while giving you the chance to monitor your credit progress over time.
If you take the steps we have recommended above, raising your credit score by 100 – 110 points fast is a real possibility. However, a credit repair agency can help you with any part of the process you don’t understand or care to deal with.
Either way, checking your credit score regularly is a smart move. By keeping an eye on your score, you can know if the steps you’re currently taking with your credit are helping your score or making it worse.
How We Found the Best Credit Repair Companies
If you’re sick and tired of dealing with debt collectors but you need to get back on track to a good credit score, credit repair companies can help. However, you should make sure you’re choosing a firm that offers unlimited disputes and an array of other credit interventions that can turn your situation around.
To help in your search, we compared more than 20 of the best credit repair agencies. Ultimately, we searched for providers who have been in operation for a decade or longer, as well as those with transparent pricing, excellent customer support options, an array of services, and nationwide availability.
Summary of the Best Credit Repair Companies of 2022
- Lexington Law: Best Credit Repair Company Overall
- Credit Saint: Best Money-Back Guarantee
- Sky Blue Credit Repair: Best for Transparent Pricing
- The Credit People: Best for Fast Results
- Pyramid Credit Repair: Best Phone Support
- Ovation: Best for Personalized Service
- CreditRepair.com: Best for Credit Report Disputes
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