Best Credit Repair Companies of December 2022

  • Price
    $89.95 per month
    $14.99 setup fee
  • Experience
    Over 18 years
  • Contract
    None
    Cancel at anytime
Overview

Since 1991, Lexington Law has been the trusted leader in credit repair. They offer a complimentary credit report evaluation with no obligation, including your credit score, at no cost.

Monthly plans start at $89.95 with no contract allowing you to cancel at any time with a 50% discount available for couples, families, household members, and active military members.

  • Price
    $79.99 per month
    $99 setup fee
  • Experience
    Over 16 years
  • Contract
    None
    Cancel at anytime
Overview

If you want to rebuild your credit history, Credit Saint’s professional advisors can help. When you sign up for the company’s credit repair services, you’ll have access to an online account where you can track your progress.

And Credit Saint promises a 90-day money-back guarantee for anyone who isn’t happy with their services. However, the service is only available in 41 states across the U.S.

  • Price
    $79 per month
    $79 setup fee
  • Experience
    Over 30 years
  • Contract
    None
    Money-back guarantee
Overview

Founded in 1989, Sky Blue Credit has been in the credit repair industry for over 30 years. Its credit repair services are on the lower end with a $79 monthly fee.

In addition, they provide a risk-free 90-day guarantee and are currently running a couples promotion at $119 (50% off for the second member) per month.

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  • Price
    $49.95 per month
    $14.99 setup fee
  • Experience
    Over 22 years
  • Contract
    None
    Cancel at anytime
Overview

CreditRepair.com is a recognized leader in the credit repair industry. They’ve rolled out a revolutionary product to help the “Hardest working American’s” reach their financial dreams.

Some features include:

  • Up to 11 challenges per month
  • Up to 2 disputes per month
  • FICO credit score
  • Credit score analysis
  • Price
    $89 per month
    $19 setup fee
  • Experience
    Over 18 years
  • Contract
    None
    Money-back guarantee
Overview

The Credit People is a reputable credit repair service that started repairing credit in 2001. They offer a low setup fee of $19 plus the ability to pay semi-annually for a 20% discount.

They’ve also made their credit repair services risk-free. If you’re not happy with the results, you don’t pay them. They offer an affordable, cost-effective solution to improving your credit score.

  • Price
    $79 per month
    $89 setup fee
  • Experience
    Over 18 years
  • Contract
    None
Overview

Ovation Credit Services is a professional credit repair company owned by Lending Tree. They provide exceptional credit repair services at an affordable rate that almost anyone can fit into their budget.

They don’t offer a money-back guarantee. However, you can request a refund for any month Ovation doesn’t provide the agreed-upon services.

Need help repairing your credit?

Cleaning up inaccurate items on your credit report can be overwhelming, especially if you’re under a lot of financial stress, or if you’ve never had to fix credit issues before. Many regularly turn to legitimate credit repair companies to help them fix their credit scores without all the hassle.

A good credit repair company will work on your behalf with the three major credit bureaus to dispute negative items that may be dragging your credit score down. The best credit repair companies have a history of successfully disputing negative items such as hard inquiries, late payments, charge-offs, bankruptcies, and much more.

At Crediful, we understand how challenging life can be with bad credit, and how difficult it can be to find the best credit repair company.

After hours of research and interviews with past clients, our team of credit experts have carefully reviewed the best credit repair companies. To make it easy on you, we’ve narrowed it down to the top 6 (out of hundreds) and are pleased to share our results with you below.

1. Lexington Law

As a licensed and bonded law firm, Lexington Law is at the top of our list of highly qualified credit repair companies. At the time of this review, they have 22 lawyers on staff and over 400 paralegals.

This credit repair company has served hundreds of thousands of satisfied customers who’ve been able to improve their credit scores.

There are several areas where Lexington Law stands out, including its qualified staff. One of these is the free credit report and free credit score analysis they offer to current and new subscribers.

They also provide a discount for family members who want to repair their credit history at the same time. This can be very helpful for low-income families to get back on their feet.

Lexington Law doesn’t lock their customers into a specific contract. You can retain their credit repair services on a month-to-month basis and cancel at any time.

Their top credit repair package also comes with credit monitoring and identity theft protection. No other credit repair company offers the same combination of expertise, service, flexibility, and affordability. This makes Lexington Law our top choice for people who need immediate assistance in repairing their credit history.

Lexington Law Past Clients:

“I know you must get great reviews like this all the time, but I just had to tell you about my results! Today in the mail I got an updated copy of my Experian report.

When I saw that your people had been able to get 6 out of 9 negative entries deleted in less than two months I couldn’t stop jumping up and down!

Awesome work, and incredible experience by the staff at Lexington Law Firm. I can’t wait to see the results from TransUnion and Equifax! Thanks again!” — A.T.

“I cannot believe the difference the service has made in my credit scores! It’s been 5 years since I’ve been able to get a normal (not secured) credit card.

My credit score was awful, with a lot of old charge-offs, late payments, and collection accounts. But after spending a year with your credit repair company, I now get approved for most credit lines that I apply for and for excellent rates!

I’ll continue to use the service, and recommend you to everybody I know! Keep up the great work!” — P.C.

“I have to admit I was a little skeptical at first, but after seeing what your credit repair company was able to do with my FICO score after only a few months, it was very reassuring.

Thank you for everything you are doing for me, and please pass on to your staff my appreciation for all of their hard work.” — T.C.

2. Credit Saint

Credit repair companies sometimes get stuck with a bad rap, but Credit Saint is pretty solid by all accounts. This credit repair company is highly rated by the Better Business Bureau, Consumer Advocate, and Consumer Affairs.

Credit Saint also offers a free consultation and a 90-day money-back guarantee, which should help put your mind at ease.

Credit Saint offers three different levels of service, Credit Polish, Credit Remodel, and Clean Slate. Credit Polish is an introductory level for customers who need to polish up their credit by removing late fees, charge offs, and other negative credit items.

The next two credit repair packages offered by Credit Saint are Credit Remodel and Clean Slate. They’re designed for customers who need help removing bankruptcies, repossessions, and judgments from their credit reports.

All customers receive access to credit monitoring and an online account where they can track their progress. The credit repair service comes with a one-time upfront fee and a monthly fee for ongoing services. However, customers are free to cancel at any time.

3. Sky Blue Credit

Sky Blue Credit is another well-known credit repair company that is particularly good at helping people decide when and what to dispute on their credit reports. They also have an excellent track record of exceptional customer service and an A+ rating from the Better Business Bureau.

Most people don’t understand the nuances of the laws that allow them to repair their credit. So, having a professional guide the process can go a long way to seeing better results.

Sky Blue Credit will get your free credit reports from each of the three credit bureaus. Another advantage is their accelerated dispute process. Most credit repair companies start with only a few items. However, Sky Blue Credit will challenge up to 15 items (5 items per credit bureau) every 35 days.

If you have many derogatory marks on your credit reports, you can potentially get more of them dismissed at a faster rate.

Sky Blue credit repair is an affordable option for people looking to get “mortgage-ready” by getting rid of old, inaccurate charge-offs and collection accounts. Likewise, people who need to qualify for a car loan or credit card can rest assured they will have the best outcome possible when working with Sky Blue.

For those who may not be able to afford the initial pricing of Lexington, Sky Blue Credit offers a viable alternative with credit professionals that will get the job done. They also offer a 90-day money-back guarantee. So if you’re not satisfied for any reason in the first 90 days of your membership, they will refund your money in full.

Sky Blue Credit Past Clients:

“For the price, I wasn’t expecting such great results! My FICO score is steadily getting better. I’m very happy with this credit repair service.” — M.R.

“Let me just say how awesome your customer service department is. They handled everything, answered all of my questions and got me pointed in the right direction. Your company is the gold standard when it comes to credit repair!” R.H.

“Thanks again for helping me with my credit reports. Your credit repair services have been amazing, and I’m really looking forward to seeing more results.” H.J.

4. CreditRepair.com

CreditRepair.com is quickly becoming one of the most popular options for people with bad credit. They’re designed to be a one-stop solution for customers who want credit repair and credit score tracking all-in-one.

They boast an average credit score gain of up to 40 points in 4 months.

Their comprehensive solution allows people to stay on top of their credit 24/7, even when away from the computer. In addition, they provide both email and text alerts when significant changes happen on your credit report.

If you want to fix your credit and follow along with the whole process, this credit repair company is an excellent choice. For over 22 years, they have been providing top-quality service and assisting people with getting their credit back on track.

CreditRepair.com Past Clients:

“Thanks to CreditRepair.com, I’ve finally been able to qualify for an auto loan to get a much-needed new vehicle for the family! In just one month they were able to remove negative items that were keeping me from being able to qualify for the loan that we needed. Two in the first month! Can’t say thank you enough!” — D.D.

“We were hoping to qualify for a new home while the interest rates at the banks were low. Three charge-offs meant that we couldn’t qualify for a bank loan and I thought we would have to give up moving into our dream home.

Working with CreditRepair.com was the best choice that we could’ve ever made. We closed on our home three months after they cleaned up our credit reports!” — T.S.

“Charge-offs from medical bills and a bankruptcy due to health issues had ruined my credit. It was impossible for me to qualify for even the worst credit cards, and I had many difficulties getting back on my feet.

CreditRepair.com helped me turn things around and stopped the debt collectors from listing and relisting old credit card debts. Awesome work!” — S.S.

5. The Credit People

For those looking to increase their credit score but are leery of paying a monthly fee, The Credit People offers a viable alternative with great results.

They offer several ways to get started. For customers who prefer the traditional route, it’s a one-time fee of $19 and a monthly fee of $89.

For those who want to avoid paying every month, it’s the same setup fee of $19, but then you pay a flat rate of $379. This covers all work done for you for a full six months, and there are no ongoing monthly commitments.

Their flat-fee pricing has a six-month guarantee, so you can get a refund at any time during the credit repair process if you aren’t satisfied.

Yet another way this company stands out is that they procure your initial credit reports and credit scores for you for free. This is a time-saving step that can be very important for people who need credit help right away.

Having the option to prepay for credit repair services upfront can make it easier for people with limited funds month-to-month. In addition, the guaranteed service and flexibility on pricing make this credit repair company a solid choice.

The Credit People Past Clients:

“I’ve tried other credit repair companies in the past that charged a monthly fee, and it seemed like I was always the one doing the work! With you guys, everything was taken care of, and I saw results in just a few months. Thanks for helping me qualify for my new loan!” — S.R.

“I never believed credit repair could work until now. There are so many scammers out there, but this is a legitimate credit repair service. I was really reassured by the 100% satisfaction guarantee and that I didn’t have to pay for any month of work that I didn’t approve.

So far, I’m really pleased! My new credit scores have already saved me thousands in interest payments and I can’t wait to see how much more improvement I can get.” — A.S.

“Thanks for helping me with this! I knew how credit repair is supposed to work, but I’ve never had the time to do any of it on my own. With your people, the entire process was fast and professional. A++” J.L.

6. Ovation Credit Services

Ovation Credit Services offers two credit repair packages: the Essentials and Essentials Plus. With the Essential plan, a case advisor will guide you through the dispute process.

They will help you dispute each item on your credit report you believe to be inaccurate, misleading, incomplete, or unverifiable. You will also get access to financial tools to help you build a budget and pay off your debt.

With the Essential Plus plan, you get everything in the Essentials, plus unlimited validation dispute letters and goodwill letters. Ovation Credit Services also offers to send you a personalized recommendation letter to assist you in future dealings with potential lenders. This plan also comes with TransUnion credit monitoring.

Things to Consider When Choosing the Top Credit Repair Companies

When it comes to finding the best credit repair service for your situation, you’re likely to feel overwhelmed at the sheer number of options out there. With so many credit repair companies to choose from, finding the right one for you can take some time. That’s why it’s helpful to be aware of the fundamentals that all the best credit repair services will aim to meet. The points below will separate the good credit repair companies from the best.

Free Consultation

Many credit repair agencies offer a free consultation to help you understand how their services might fit your unique needs. Credit repair agencies will use this opportunity to review your credit reports and check for incorrect items before you sign up for any service.

The best credit repair companies won’t take your money until they’re sure they can help you. As part of your consultation, many companies will also include free credit reports from the three major credit reporting agencies.

Number of Monthly Disputes

Depending on the state of your credit score and your credit report, you may want to work with a company that offers a high number of monthly disputes. Some companies will only offer a limited number of these per month, so make sure to consider your needs and the number of disputes offered as you research companies.

Money-Back Guarantee

A good credit repair agency will usually offer a money-back guarantee. This is a strong indication that you’re dealing with a well established business with a history of success.

However, it’s always important to read the fine print on any money-back guarantee. There are usually stipulations and conditions to these, and while the best credit repair services will be honest about their terms, other credit repair companies may not be.

Monthly Fee

The majority of credit repair companies will charge a monthly fee for their services. Depending on the agency and the package or services you sign up for, it’s usually around $50 to $150 per month.

Some agencies will also charge for setup as well as a monthly fee, but this can also result in a lower monthly fee payment. It’s a good idea to factor in a monthly fee to your budget before you look through your credit repair options.

Credit Monitoring

Some of the top credit repair services will provide credit monitoring and other personal finance tools to keep you informed of your credit score and overall situation. This usually looks like an online dashboard and mobile app where you can keep track of your credit score, evaluate your credit report, and monitor your progress. The best credit monitoring services will be easy to read, and can help you to better understand how your financial habits influence your credit report.

The higher the quality of any included services, such as credit monitoring, the more likely you are to pay a higher monthly fee. If credit monitoring is important to you, then remember to factor that into your budget.

BBB Rating

When searching for the best credit repair company for you, make sure to consider each company’s Better Business Bureau rating. The Better Business Bureau is a vital resource for those looking to weed out the legitimate credit repair companies from other credit repair services that may not be reliable. The higher a company’s BBB rating, the more reputable they will be – and importantly, the more likely they are to get results.

Better Business Bureau ratings range from A+ to F, with the latter being a sure indication that a company isn’t capable of providing good service.

You can also look into any formal complaints lodged against any credit repair business through the Consumer Financial Protection Bureau. Using both of these resources is best practice when considering credit score repair companies.

The Truth About Credit Repair

Having bad credit can cost you a lot of money. For example, did you know that a typical home can cost you between $50,000 and $100,000 more in interest if you buy a home with a bad credit history?

On average, you will end up paying about $1,500 to $5,000 more for a car if you have bad credit.

Having a poor credit score will make it harder for you to rent an apartment, get an auto loan, a home loan, credit cards, a cell phone, or even go back to school. It also means paying higher insurance premiums and can even prevent you from getting a job.

Having Good Credit Can Help You Save Money

Over your lifetime, the cost of having to pay higher interest rates can really add up. And the money you pay lenders is money that you could use to live a better life.

Having good credit saves you money. Instead of paying banks thousands of dollars in interest, you can take more vacations, send your kids to college, live in a nicer home, or drive a better car.

Many people believe that once they have poor credit, they are stuck with it. They believe they will have to wait up to seven years for it to come off, and there is nothing they can do about it. However, that’s simply not true. There are things you can do to start fixing your credit today.

Credit Repair FAQs

What is the best credit repair company?

It’s difficult to say which credit repair company is the best for you since each person’s situation is unique. However, each of the reputable credit repair companies listed above offers a free credit consultation. So, you can speak to a representative to see which one is the best fit for you.

With that said, we have ranked Lexington Law #1 because of its excellent reputation, years of experience, and proven track record.

What is credit repair?

Not to be confused with credit counseling, credit repair involves fixing inaccurate information on your credit report. The goal is to improve your credit score.

It involves identifying questionable negative information on your credit report and challenging the negative items in question. But, it can also require following up with the three major credit bureaus to remove the negative items from your credit report. If you have been a victim of identity theft, you likely have multiple accounts that you need to dispute.

How does credit repair work?

The goal of credit repair is to dispute inaccurate or outdated information on your credit report to remove negative accounts. Reputable credit repair services can comb through your credit reports and often find details of an account that you may not have realized was inaccurate.

It may not be possible to remove every negative account from your credit report, and a legitimate credit repair company would never promise that. However, it’s not uncommon for people to have most or all of their negative accounts removed from their credit reports.

Is credit repair legal?

Yes, absolutely! It is your legal right to dispute errors on your credit report under the Fair Credit Reporting Act. The FCRA was initially passed in 1970 and is enforced by the FTC and the Consumer Financial Protection Bureau.

According to the law, the three credit bureaus (Equifax, Experian, and TransUnion) MUST respond to your disputes in a timely manner. But, the FCRA is just one of a handful of consumer credit laws designed to protect you.

Credit repair companies are governed by the Credit Repair Organizations Act (CROA). The CROA states that they are not allowed to request or receive payment until the promised results are delivered. It also prohibits them from promising results.

How much does credit repair cost?

Working with one of the credit repair companies above, credit repair costs around $80 to $100 per month. Credit repair companies all have their own unique pricing model. However, most charge a first work fee or setup fee and then charge monthly fees. However, some credit repair companies charge flat fees, and some even charge per deletion.

Are credit repair companies worth the cost?

The best credit repair companies do a thorough and professional job. They can also save you a lot of time and hassle. Getting the job done correctly can save you months of back and forth with the three credit bureaus. Credit repair companies have years of experience and proven methods that they already know work very well.

How do credit repair companies work?

Legitimate credit repair companies use the laws mentioned above to hold the credit bureaus responsible. As noted above, the law is on your side, and the law requires that the credit bureaus prove that what they are reporting is accurate.

If they can’t prove that it’s accurate within 30 days, then they must remove it from your credit report.

The best credit repair companies will start by pulling your credit reports from each of the three major credit bureaus. They will then have their professionals review your credit reports to look for errors. Then, they come up with a strategic plan to dispute them or use other proven tactics to have them removed from your credit reports.

From there, the credit repair agencies wait for a response. If the negative items are not removed or updated, they respond accordingly with the next tactic.

Most credit repair companies charge an upfront set-up fee and monthly fees for each month that they work on your credit.

How long does it take to repair credit?

For many people, it can take up to a year to see an improvement in your credit history. But, for some, it may only take two to three months. How long it takes to repair your credit depends on your goals, credit situation, strategy, and numerous other factors.

Everyone has a unique situation, so the length of time it takes to repair their credit varies greatly. The credit bureaus have to respond to your credit report disputes within 30 days. In some cases, they get up to 45 days.

Removing negative items on your credit reports is only the first step. It’s also essential to have positive accounts on your credit reports. This may require getting a credit card and making your payments on time to establish some credit history.

What is a credit report dispute?

A credit report dispute is something you file to notify a credit bureau that you are challenging an account on your credit report. Disputes can be filed by mail, phone, or online at the credit bureau’s websites.

By disputing an item on your credit report, you request that the credit reporting agencies verify the information they’re reporting. If they are unable to verify that the information is accurate, they must remove it from your credit report. Essentially, you are requesting an investigation into an account on your credit report.

What kind of items can a credit repair company remove from your credit report?

A good credit repair company should be able to dispute a wide range of negative items with creditors. Below is a list of some of the most common negative items. A reputable credit repair company can help you remove the following inaccurate items from your credit report.

  • Identity theft
  • Late payments
  • Collections
  • Judgments
  • Charge-offs
  • Bankruptcies
  • Items that are out-of-date
  • Repossessions
  • Debt settlement
  • Foreclosure
  • Hard inquiries

How can I repair my credit?

If you’re looking to improve your credit score, you basically have two credit repair options:

  1. You can repair it on your own.
  2. You can hire a credit repair company to do the work for you.

How can I repair my credit myself?

We recommend doing it on your own. Many people do it every day. It’s crucial to learn about your consumer rights and the laws that protect you.

You might be surprised at what you learn. You may discover that you have many more rights than you thought you did. Start by reading the FCRA and all other consumer laws that have to do with your credit. If you find it to be overwhelming, you can always call a credit repair agency.

What’s the difference between credit repair, debt settlement, and credit counseling?

Credit repair, debt settlement, and credit counseling are all closely related, but there are clear differences between them. Sometimes getting out of debt requires all three, since each addresses a different aspect.

First, credit counseling can offer useful and actionable financial advice from qualified professionals to help get you out of debt. Credit counseling is often the first step for those who aren’t sure how to begin navigating their way to debt-free finances. Credit counselors can help provide financial education, and help consumers to improve their financial habits, including budgeting and saving.

Credit repair focuses on improving your credit score by disputing incorrect items on your credit report. The best credit repair agencies identify and remove inaccurate items on your credit report to improve your credit score.

Debt settlement is usually the final option for debt management before bankruptcy. This involves working with a debt settlement agency to save and negotiate a lump-sum payoff with your creditor.

Why We Recommend Credit Repair Companies

We understand that most people don’t have the time that’s required to fix their own credit. It takes many hours of research and work that is required to repair your credit on your own competently.

The process must be done correctly, and that’s why we have compiled this list of the top credit repair companies. So, if you are not 100% sure about what you are doing, it’s much better to let the professionals take care of it for you.

You usually only have one chance to get it right, and getting it wrong can do further damage to your credit score. Therefore, you should avoid certain things when trying to repair your credit to get the most favorable results possible.

We think you will be happy with the results. But, if you’re not, for any reason, you can cancel after 30 to 60 days. Some credit repair companies offer a money-back guarantee, and none of the companies we’ve listed have contracts. So if you’ve got bad credit, it’s worth giving them a shot.

How We Chose the “Best Credit Repair Companies”

To create our list of the best credit repair companies, we researched established companies that offer nationwide services. While there are many more local credit repair companies (far too many to review), we focused on the national leaders.

We considered the following aspects to comprise our credit repair reviews and rankings:

  • Reputation
  • Experience
  • Expertise
  • Customer Reviews
  • Services Offered
  • Pricing & Value
  • Transparency

Unfortunately, the credit repair industry has seen many scams in the past. The credit repair scams tend to come from smaller, local companies. While many local companies do an excellent job, we recommend sticking with vetted and established companies from our list of the best credit repair companies above.

How to Avoid Credit Repair Scams

As the credit repair market has grown, so too has the number of dishonest service providers looking to make a quick buck. Below is a short list of some red flags to watch out for that might indicate a fraudulent credit repair organization.

  • Upfront Charges: Credit repair companies are prohibited from charging customers upfront according to Federal Law. No legitimate credit repair service will ask for your money upfront.
  • Guaranteed Outcomes: While many legitimate companies will offer a 90-day money-back guarantee, no credit repair service can realistically guarantee results.
  • Pressure to Buy: Many untrustworthy credit repair agencies will push hard for your business, and encourage you to sign up for their services. No reputable agency will ever feel the need to chase your custom.
  • Low BBB Rating: A poor Better Business Bureau rating doesn’t mean a credit agency is a scam, but it is a strong indicator that a company isn’t doing a good job overall. Look for companies with an A+ rating from the Better Business Bureau when you shop around.

Final Word

Hiring a credit repair company may not be ideal, but that doesn’t mean it has to be difficult. Legitimate credit repair services are especially helpful for those with bad credit who don’t have the confidence to repair it themselves. Dealing with damaged credit is a challenge and sometimes professional help can make all the difference.

It’s generally preferable to file your own credit disputes as far as possible. However, working with a credit repair company might be the quickest way to repair your credit if you’re in need of serious help. The top credit repair companies may not be able to provide a specific time frame, but they will start working on your credit immediately after signing up. Depending on your unique situation you could see an improved credit score in as little as three months.

The right credit repair company can help you find your way out of a tricky credit situation and provide great service at the same time. Make sure to keep the key features of all good credit repair companies in mind while you conduct your research. Get a clear picture of what your needs are to find the best credit repair service for you.