Price$89.95 per month$14.99 setup fee
ExperienceOver 28 years
ContractNoneCancel at anytime
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, family, household members, and active military members.
Price$79.99 per month$99 setup fee
ExperienceOver 16 years
ContractNoneCancel at anytime
If you’re trying to rebuild your credit, 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 Saints 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
ExperienceOver 30 years
Founded in 1989, Sky Blue has been in the credit repair industry for over 30 years. The $79 setup cost may seem steep, but their credit repair services are on the lower end with a $79 monthly fee. 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.
Price$99.95 per month$14.99 setup fee
ExperienceOver 22 years
ContractNoneCancel at anytime
Get a free personalized consultation from CreditRepair.com, a reputable credit repair company that has been in business since 1997. This budget-friendly option has monthly plans of $49.95 that includes credit monitoring from TransUnion at no extra charge. With no contracts, you can cancel your service at anytime.
Price$89 per month$19 setup fee
ExperienceOver 18 years
The Credit People 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.
Need help repairing your credit?
At Crediful, we understand how challenging life can be with bad credit and we know 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 5 (out of 100’s to choose from) and are more than happy 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 as well.
This number is expected to remain on pace to allow the credit repair company to service the hundreds and thousands of satisfied customers who’ve been able to improve their credit.
There are several areas where Lexington stands out including their highly qualified staff. One of these is the credit report summary and credit score that they offer to current and new subscribers for free.
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.
They do not 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.
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.
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 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! It’s been 5 years since I’ve been able to get a normal (not secured) credit card.
My credit was very bad, 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 very good 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 by all accounts, Credit Saint is pretty solid. This credit repair company is highly rated by the Better Business Bureau, Consumer Advocate, and Consumer Affairs. And they provide a 90-day money-back guarantee, which should help put your mind at ease.
Credit Saint offers three different levels of service, depending on your financial history. There’s an introductory level for customers who just need to polish up their credit by removing late fees, charge offs, and other negative credit items.
The next two service levels are designed for customers who need help removing bankruptcies, repossessions, and judgments from their credit reports.
All customers receive access to an online account where they can track their progress. The service comes with a one-time upfront fee as well as a monthly fee for ongoing services. However, customers are free to cancel at any time.
3. Sky Blue Credit Repair
Sky Blue Credit Repair is another highly-rated credit repair company that is particularly good at helping people decide when and what to dispute on their credit reports. They also have a great track record of exceptional customer service and an A+ rating from the Better Business Bureau.
Because most people don’t understand the nuances of the laws that allow them to repair their credit, having a professional guide the process can go a long way to seeing better results.
One other advantage is their accelerated dispute process. While most credit repair companies start with only a few items, Sky Blue Credit Repair will challenge up to 15 items (5 items per credit bureau) every 35 days.
If you have a lot of derogatory marks on your credit reports, you can potentially get more of them dismissed at a faster rate.
For people who are looking to get “mortgage-ready” by getting rid of old, inaccurate charge-offs and collection accounts, this is a very affordable option. Likewise, people who need to get qualified 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 offers a viable alternative with credit professionals that will get the job done. They also offer a 90-day money-back guarantee. 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 Repair 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.
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 they are away from the computer. They provide both email and text alerts when significant changes happen on your credit reports.
If you want to fix your credit and be able to 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 a lot of 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 who are looking to increase their credit score, but are leery of having to pay a monthly fee, The Credit People offers a viable alternative with great results.
They offer several ways to get started. For those who prefer the traditional route, there is a one-time fee of $19 and a monthly rate of $89 per month.
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 pre-pay for credit repair services upfront can make it easier for people who have a limited amount of funds month-to-month. 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.
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 are buying the 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. The money that 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 that they will have to wait at least 7 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.
What is credit repair?
Not to be confused with credit counseling, credit repair is the process of fixing mistakes and other inaccurate information on your credit report. The goal is to improve your credit score.
It involves identifying questionable negative information on your credit reports and challenging the negative items in question. But, it can also require following up with the credit bureaus and to get the negative items from your credit reports removed. If you have been a victim of identity theft, it is highly likely that you have multiple accounts that need to be disputed.
Is credit repair legal?
Yes, absolutely! In fact, it is your legal right to dispute errors on your credit report under the Fair Credit Reporting Act. The FCRA was originally passed in 1970 and is enforced by the FTC.
According to the law, 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) which states that they are not allowed to request or receive payment until the promised results are delivered.
How do credit repair companies work?
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 must 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 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 simply wait for a response and the negative items is not removed or updated, they respond accordingly with the next tactic.
How long does it take to repair credit?
How long it takes to repair your credit depends on your goals, your situation, your strategy and numerous other factors.
Everyone has a unique situation, so the length of time that 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 important 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 filed to notify a credit bureau that you are challenging an account on your credit report. Disputes can be in the form of a letter, a phone call, or they can even be done online at the credit bureau’s respective websites.
By dispute an item on your credit report, you are requesting that the credit reporting agencies verify the information that they are 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.
How can I repair my credit?
If you’re looking to improve your credit score, you basically have 2 options:
- You can repair it on your own.
- You can hire a credit repair company to do the work for you.
How can I repair my credit myself?
We highly recommend doing it on your own. Many people do it every day. It’s crucial to learn about your consumer rights and 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 of the 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.
Why We Recommend Credit Repair Companies
We understand that, if you’re like most people, you may not have the time that’s required to fix your own credit. It takes many hours of research and work that is required to competently repair your credit on your own.
It’s extremely important that the process is done correctly and that’s why we have compiled this list of the top credit repair companies. 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.
In most cases, you only have one chance to get it right, and doing it wrong can damage your credit score even more. There are also certain things that you will want to avoid doing when going through the credit repair process to get the best 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. There are no contracts with the credit repair companies we’ve listed and some of them also have guarantees. If you’ve got bad credit, we think 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 did extensive research on 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 all of the following to comprise our rankings:
- Customer Reviews
- Services Offered
- Pricing & Value