15 Best Credit Repair Companies of 2021

Thoroughly Reviewed

Are you sick and tired of trying to improve your bad credit on your own?

All the do-it-yourself methods have proven inefficient, and you have only two choices left: you can either live with it or ask for professional help.

If you’re thinking about getting a new car, taking out a business loan, or buying a home, ignoring your credit issues isn’t an option. That’s where the best credit repair companies come into play.

Show more

Top 15 Legitimate Credit Repair Companies for 2021

1. Credit Saint

Operating since 2004, Credit Saint is well-known as one of the most transparent and reliable credit restoration companies. It offers a three-tiered pricing model, comprehensive educational resources, multiple channels of customer support, and a solid refund policy. Full Review

  • BBB-accredited with an A+ rating
  • 90-day money-back guarantee
  • Free credit evaluation

Operating since 2004, Credit Saint is well-known as one of the most transparent and reliable credit restoration companies. It offers a three-tiered pricing model, comprehensive educational resources, multiple channels of customer support, and a solid refund policy. Full Review

2. Sky Blue

Sky Blue is a reputable and experienced credit restoration company based in Florida. It caters to people looking for an affordable solution that will help them remove derogatory items from their credit reports. In case no desired results have been obtained, the company will bring you your money back. Full Review

  • Monthly fees: $79
  • Other fees: No
  • Customized service: Yes

Sky Blue is a reputable and experienced credit restoration company based in Florida. It caters to people looking for an affordable solution that will help them remove derogatory items from their credit reports. In case no desired results have been obtained, the company will bring you your money back. Full Review

3. Lexington Law

Lexington Law has been providing its credit score improvement services in all 50 American states for over a decade and a half. The company’s experts will work with you until you get a fair and accurate credit report. Full Review

  • Free consultation
  • Straightforward service plans
  • Experienced legal staff

Lexington Law has been providing its credit score improvement services in all 50 American states for over a decade and a half. The company’s experts will work with you until you get a fair and accurate credit report. Full Review

4. CreditRepair.com

CreditRepair.com is a Seattle-based credit restoration agency that’s been helping customers solve their credit report issues for more than two decades. The company employs a three-step credit-correcting model: check, challenge, change. It also educates clients about every step. Full Review

  • Credit monitoring app
  • Personal online dashboard
  • FICO score calculator

CreditRepair.com is a Seattle-based credit restoration agency that’s been helping customers solve their credit report issues for more than two decades. The company employs a three-step credit-correcting model: check, challenge, change. It also educates clients about every step. Full Review

5. Ovation

Incorporated in 2004, Ovation is a Florida-based credit repair company. It’s one of the industry’s most reputable providers and operates in partnership with LendingTree and TransUnion Interactive. Some of Ovation’s biggest advantages include transparent pricing, personalized service, fast solutions, and free credit consultations for all prospective clients. Full Review

  • Numerous educational tools
  • Multiple discount options
  • Personalized service

Incorporated in 2004, Ovation is a Florida-based credit repair company. It’s one of the industry’s most reputable providers and operates in partnership with LendingTree and TransUnion Interactive. Some of Ovation’s biggest advantages include transparent pricing, personalized service, fast solutions, and free credit consultations for all prospective clients. Full Review

6. The Credit Pros

The Credit Pros is one of the best approved and certified credit repair companies that doesn’t focus solely on credit repair. It aims to educate its clients and help them understand what credit reports and scores mean. Hopefully, that will prevent them from making mistakes in the future. Full Review

  • Free credit monitoring
  • Individual action plan
  • A BBB rating

The Credit Pros is one of the best approved and certified credit repair companies that doesn’t focus solely on credit repair. It aims to educate its clients and help them understand what credit reports and scores mean. Hopefully, that will prevent them from making mistakes in the future. Full Review

7. The Credit People

Founded in 2001, The Credit People served more than 100,000 consumers and solved almost 1.5 million credit report issues. Best known for its low prices, goal-oriented service, an easy-to-use dashboard, and a 60-day 100% satisfaction guarantee, this self-proclaimed credit repair hero is an excellent choice for a consumer on a budget who needs fast results. Full Review

  • No hidden fees
  • Unlimited disputes
  • Low-cost weeklong trial

Founded in 2001, The Credit People served more than 100,000 consumers and solved almost 1.5 million credit report issues. Best known for its low prices, goal-oriented service, an easy-to-use dashboard, and a 60-day 100% satisfaction guarantee, this self-proclaimed credit repair hero is an excellent choice for a consumer on a budget who needs fast results. Full Review

8. Pyramid Credit Repair

Pyramid Credit Repair is the best credit cleaning company to choose from if you need to improve your credit quickly. Its combination of devoted employees and powerful technology enables clients to manage their finances adequately and thus improve their FICO. Full Review

  • 90-day money-back guarantee
  • Powerful plans for couples
  • Personal account manager

Pyramid Credit Repair is the best credit cleaning company to choose from if you need to improve your credit quickly. Its combination of devoted employees and powerful technology enables clients to manage their finances adequately and thus improve their FICO. Full Review

9. Credit Versio

Credit Versio is an online credit repair software that helps you spot and dispute errors on your credit report. Link the report to the system, and the software will scan it for negative items, then instruct you on what to do to dispute those items. Full Review

  • Identity theft insurance
  • Credit monitoring
  • Video lessons

Credit Versio is an online credit repair software that helps you spot and dispute errors on your credit report. Link the report to the system, and the software will scan it for negative items, then instruct you on what to do to dispute those items. Full Review

10. Credit Firm

Credit Firm is a respectable law firm that cooperates with credit companies on your behalf to repair your credit. Its aim is to use a legal approach in order to eliminate derogatory reports and to advise clients on how to manage their credit. Full Review

  • Easy signup process
  • Fair prices
  • Extensive credit repair services

Credit Firm is a respectable law firm that cooperates with credit companies on your behalf to repair your credit. Its aim is to use a legal approach in order to eliminate derogatory reports and to advise clients on how to manage their credit. Full Review

11. AMB Credit Consultants

AMB Credit Consultants offers solutions to your bad credit problems. The dedicated staff at AMB is devoted to enabling you to take your credit back by both clearing up derogatory items and educating you about your FICO. Full Review

  • Dispute resolution team
  • Credit educational resources
  • Couples credit repair plan

AMB Credit Consultants offers solutions to your bad credit problems. The dedicated staff at AMB is devoted to enabling you to take your credit back by both clearing up derogatory items and educating you about your FICO. Full Review

12. Credit Glory

Credit Glory is a credit repair law firm that focuses on helping victims of identity theft to repair their credit score. They will challenge all derogatory items to provide accuracy and legitimacy. Full Review

  • A+ BBB rating
  • 90-day money-back warranty
  • Personalized action plan

Credit Glory is a credit repair law firm that focuses on helping victims of identity theft to repair their credit score. They will challenge all derogatory items to provide accuracy and legitimacy. Full Review

13. Pinnacle Credit Management

Pinnacle Credit Management provides simple but effective credit rehabilitation services by relying on AI during credit repair. The company implements a special electronic dispute process that clears negative items in no time. Full Review

  • Personal mentor
  • Online educational resources
  • Free credit monitoring

Pinnacle Credit Management provides simple but effective credit rehabilitation services by relying on AI during credit repair. The company implements a special electronic dispute process that clears negative items in no time. Full Review

14. Credit Assistance Network

Credit Assistance Network is one of the smaller but good credit repair companies for clients who don’t have many irregular items to challenge. Not only does the company fully guarantee for its work, but it also doesn’t charge a monthly fee. Full Review

  • 90-day money-back guarantee
  • One-on-one consultations
  • 24/7 access to Client Portal

Credit Assistance Network is one of the smaller but good credit repair companies for clients who don’t have many irregular items to challenge. Not only does the company fully guarantee for its work, but it also doesn’t charge a monthly fee. Full Review

15. Trinity Credit Services

Trinity Credit Services is among the best credit repair companies in the USA that provides customized solutions without a monthly fee. It offers personalized prices that encompass all your credit repair needs. Full Review

  • FCRA Certified
  • Excellent reviews with the BBB
  • Free credit report evaluation

Trinity Credit Services is among the best credit repair companies in the USA that provides customized solutions without a monthly fee. It offers personalized prices that encompass all your credit repair needs. Full Review

Summary of the Best Credit Repair Companies

1. Credit Saint Best for free credit consultations
2. Sky Blue  Best for couple discounts
3. Lexington Law  Best for legal credit report audit
4. CreditRepair.com Best for tailored credit-restoring plans
5. Ovation Best for educational resources
6. The Credit Pros Best for a dedicated FICO professional
7. The Credit People Best for those on a tight budget
8. Pyramid Credit Repair  Best for quick credit repair
9. Credit Versio  Best for DIY credit repair
10. Credit Firm Best value for money
11. AMB Credit Consultants Best for financial tools
12. Credit Glory Best for identity theft
13. Pinnacle Credit Management Best for fast credit repair
14. Credit Assistance Network Best for individual disputes
15. Trinity Credit Services Best for personalized credit repair

 

Detailed Reviews

Credit Saint
Credit Saint

BEST FOR

free credit consultations

Visit Website
  • Monthly fees: Starting from $79.99
  • Setup costs: Starting from $99 (one-time payment)
  • Other fees: None
  • Free consultation: Yes
  • Customized service: Yes
  • Speed of service: 45-day cycles
  • Money-back guarantee: Yes
  • BBB rating: A+

Credit Saint is a New Jersey-based credit repair company that’s been around for more than 15 years. In addition to providing a fast and comprehensive credit restoration service, the company aims to educate its customers and help them understand complex credit-related concepts. Credit Saint has been BBB-accredited since 2007 and has an impressive A+ rating. Keep reading to learn more about its service packages, fees, support channels, and additional perks.

Pricing

Credit Saint offers its credit repair services through a tiered pricing structure. The company’s most affordable option is the Credit Polish package with a monthly fee of $79.99. The Credit Remodel package costs $99.99/month, while the most expensive plan is Clean Slate for $119.99/month. Each plan comes with a 90-day money-back guarantee.

The company also charges a first work fee ($99 for the first two tiers, $195 for the Clean Slate plan). This acts as a one-time setup fee, but you won’t have to pay for it before your first week with Credit Saint is up.

Aside from these two types of fees, there are no additional charges. Also, you can get a free credit consultation and an explanation of the best credit restoration strategy for you before even signing up for Credit Saint’s services.

credit saint website screenshot 2

Features and Speed

As soon as you’ve picked the plan that best fits your needs, Credit Saint will start working on your credit issues. With the least expensive plan, the items the company challenges on your behalf include late payments, charge-offs, and collections and identity theft. If you opt for the more expensive credit fixing packages, Credit Saint will also dispute any inaccurate derogatory marks related to repossessions, bankruptcies, and public records.

Also, keep in mind that with the Credit Polish plan you can expect the company to correct or remove up to five inaccurately reported items. If you go for the Credit Remodel package, Credit Saint will work towards fixing ten derogatory items, while with the Clean Slate there are no limits on how many dispute letters the company sends.

As far as speed of service goes, Credit Saint may not be the fastest credit repair agency, but it’s still very efficient. The provider operates in 45-day cycles and provides detailed reports following the completion of each stage.

Support

Credit Saint customers get access to a personalized dashboard. This is a convenient way to keep track of your credit restoration progress. Still, should you have any questions or stumble upon any issues, you can get in touch with the company’s customer support representatives via phone, email, Facebook, or Twitter. To learn more about the inner workings of the credit repair service, you can turn to the site’s comprehensive FAQ page.

Pros Cons
90-day money-back guarantee Service isn’t available in all states
Personalized credit repair solutions Expensive third-tier package
Tiered pricing plans
Expert advice

Our Verdict

Credit Saint is best known for its transparent pricing structure, fair refund policy, educational resources, and quick, free credit evaluations. Its catalog of services is impressive, and turnaround times are relatively fast. The only obvious downside is that Credit Saint doesn’t offer its credit correction services in all 50 states, but we hope this will change in the near future.

Read our dedicated Credit Saint review for more detailed information.

CreditRepair.com
CreditRepair.com

BEST FOR

personalized credit-restoring solutions

Visit Website
  • Monthly fees: $99.95
  • Setup costs: $14.99 (one-time payment)
  • Other fees: None
  • Free consultation: Yes
  • Customized service: Yes
  • Speed of service: First work time within three to six months
  • Money-back guarantee: Yes
  • BBB rating: N/A

Based in Seattle, CreditRepair.com is a credit restoration agency providing personalized credit-correcting strategies, constant credit monitoring, and useful educational tools for more than two decades. It stands out from the competition because it doesn’t just focus on current credit report issues. CreditRepair.com goes the extra mile by educating its customers in an effort to help them make better financial decisions in the future.

Pricing

There are three packages to choose from: Basic, Moderate, and Aggressive. The Basic package is tailored to consumers with just a few derogatory items that they wish to correct or remove, while the Moderate and Aggressive plans are designed for those with low credit scores and more complex issues.

While it’s clear that this credit repair organization offers a three-tiered service, the information about prices and features that comes with each package isn’t publicly accessible. According to the site’s FAQ page, customers are charged a $99.95 monthly fee, plus a $14.99 setup fee.

However, the lack of upfront cost transparency shouldn’t discourage you. One of the best things about CreditRepair.com is that it offers personalized credit repair services and free consultations to prospective clients.

creditrepair.com website screenshot 2

Features and Speed

To detect, correct, and remove erroneous items from credit reports, the company uses a three-step model: check, challenge, change.

Here’s how the credit restoration procedure works. First, you’ll be assigned a financial manager. Your advisor will immediately request your report from the three major credit bureaus, look for the derogatory items that need to be corrected, and help you with any paperwork that you may need to fill out. The next step is all about disputing the erroneous items with creditors. As soon as the inaccurate items are corrected or removed, your financial manager will once again get in touch with all three bureaus to make sure that the reports are updated.

The speed of service at CreditRepair.com largely depends on the number of credit issues that need to be solved. On average, it takes three to six months for the first results to show.

Support

Should you require any additional assistance, you can get in touch with CreditRepair.com’s customer service team by calling 1-800-232-6499. Support representatives are available from 6 a.m. until 10 p.m. MST, Monday through Friday. From our experience, waiting times are short, and the agents are very kind and helpful.

Pros Cons
User-friendly online dashboard Lack of pricing transparency
FICO score calculator No warranty for removing negative items
Customized plans
Credit score monitoring app for Android and iOS

Our Verdict

As one of the best credit repair services, CreditRepair.com uses provisions of the Fair Credit Reporting Act to ensure that your credit report is accurate and rights are protected. The company identifies and corrects inaccurate negative items from reports at all three major credit bureaus (TransUnion, Experian, and Equifax), offers numerous educational resources, and makes credit-monitoring easy with its mobile apps.

Even though CreditRepair.com isn’t BBB-accredited and some credit repair companies provide a faster service, this provider is still a solid choice.

Read our dedicated Creditrepair.com review for more detailed information.

Ovation
Ovation

BEST FOR

educational resources

Visit Website
  • Monthly fees: Starting from $79
  • Setup costs: Starting from $89 (one-time payment)
  • Other fees: None
  • Free consultation: Yes
  • Customized service: Yes
  • Speed of service: Undisclosed
  • Money-back guarantee: Yes
  • BBB rating: A+

Founded in 2004 by a group of attorneys, Ovation is a Florida-based credit repair specialist. It operates in partnership with TransUnion Interactive, a consumer subsidiary of a global leader in information and credit management, and LendingTree, a popular online lending marketplace. As one of the industry favorites, Ovation Credit Repair Services specializes in credit restoration, monitoring, and consumer education. The company claims that it corrects an average of 19 items per customer, which makes it one of the most efficient options on our list.

Pricing

As one of the best online credit repair services, Ovation offers a free credit consultation to all of its prospective clients. The free evaluation will help you decide whether you want to sign up for the company’s paid service. Should you choose to work with Ovation, you’ll be presented with two options. Priced at $79/month, the Essentials plan is the company’s standard offer. The Essentials Plus plan is Ovation’s premium choice that will set you back $109/month.

Also, bear in mind that no matter which option you decide to go for, you’ll also be charged an $89 first-work fee.

Another benefit that puts Ovation among the best-rated credit repair services is its long list of discount options. If you’re currently working with another credit agency and decide to switch to Ovation, you’ll receive a $50 credit. Those who refer the service to a friend can get a discount of up to $50. There’s also a 20% couples discount, a 10% military discount, and a 10% senior discount.

ovation credit repair website screenshot

Features and Speed

With the Essentials plan, you’ll work with a personal credit repair advisor who will go through your credit report with you, identify all the inaccurate, incomplete, and misleading items, and guide you through the dispute process. You’ll also get access to several financial management tools, such as budget-building and debt-paying calculators.

The more expensive option is also completely customizable and comes with additional benefits. If you choose the more expensive option, you can count on an unlimited number of custom dispute letters and goodwill requests, a personalized letter of recommendation to help you with future loan applications, and a TransUnion credit monitoring tool.

Support

As one of the top credit repair companies, Ovation is fully dedicated to educating its customers. That’s why the site has an extensive help section with answers to hundreds of credit-related questions.

Should you require any additional help, you can get in touch with the company’s customer support team via phone, email, or by visiting one of their offices. They work Monday through Friday between 8 a.m. and 9 p.m. EST and from 10 a.m. to 4 p.m EST on Saturdays.

Pros Cons
Free credit evaluation No round-the-clock customer service
Multiple discount options The second-tier plan is expensive
Competitive pricing plans
Comprehensive educational tools

Our Verdict

If you search for the best credit repair services in terms of reputation, you’re bound to come across Ovation. Thanks to its customer-oriented service, a plethora of educational resources, fast solutions, and five different discount options, this company established itself as an ideal option for consumers who want to improve their credit scores while learning how to make smarter financial decisions.

The Essential Plus plan may seem a bit expensive, but the long list of features justify the $109/month.

Read our dedicated Ovation review for more detailed information.

The Credit People
The Credit People

BEST FOR

those on a tight budget

Visit Website
  • Monthly fees: $79
  • Setup costs: $19 (one-time payment)
  • Other fees: None
  • Free consultation: Yes
  • Customized service: No
  • Speed of service: Within 60 days
  • Money-back guarantee: Yes
  • BBB rating: C+

Operating since 2001, The Credit People helped more than 100,000 customers increase their credit score and qualify for better deals on mortgages, credit cards, and bank accounts. Best known for offering an exceptional user experience, this company is a self-proclaimed credit hero that offers an all-inclusive credit repair service with an unmatched satisfaction guarantee.

Pricing

If you need help improving your credit, but you’re on a tight budget, you should definitely give The Credit People a chance. As the most affordable provider on our list, this company offers a trial period to all of its prospective clients. For a fee of just $19, you get weeklong access to all services offered in the regular packages, plus an evaluation of your credit history and a step-by-step plan for improvements.

If you’re happy with the service after the first week, you’ll be able to extend it for $79/month. Alternatively, you can opt for a flat fee of $419 and make the most of the service for six months. Note that no matter which pricing option you decide to go for, the credit score repair service will work exactly the same.

Since fixing an average consumer’s credit issues usually takes about six months, it comes as no surprise that many customers choose the flat fee and end up saving a total of $74 in the process.

the credit people website screenshot 2

Features and Speed

Unlike most of its competitors, The Credit People doesn’t offer a tiered service. There’s only one package, and it comes with a full suite of features.

As soon as you sign up, the company requests your credit report and proceeds with an in-depth credit score analysis. The Credit People’s credit specialists identify all questionable items, and start sending out dispute letters. The provider tackles several types of derogatory items while fixing your credit score, including late payments, bankruptcies, collections, repossessions, foreclosures, charge-offs, judgments, tax liens, identity fraud, and student loans.

As a customer, you get access to a personal online dashboard that lets you monitor your progress and notifies you each time a change has been made.

Another great thing about The Credit People is that the company works as hard as possible to resolve every single issue, and there are no limits on the number of disputes that the company sends out on behalf of each client.

As far as speed is concerned, The Credit People offers a fast credit repair service, with visible results in less than two months. The company also offers a 60-day, 100% satisfaction guarantee.

Pros Cons
24-hour account access C+ BBB rating
Unlimited disputes Not for people with complex credit issues
Low-cost weeklong trial
Goal-oriented services

Customer Support

The Credit People is well-known for offering excellent customer support. You can get in touch with them by phone, email, contact form, and live chat. The site also offers a comprehensive help page with lots of educational resources.

Our Verdict

As one of the best credit repair services, The Credit People offer a monthly subscription option and a flat rate membership plan, a low setup fee, unlimited disputes, excellent customer support, and an easy-to-use dashboard.

On the downside, the company isn’t BBB-accredited and has a C+ rating. Also, The Credit People’s services aren’t the best fit for customers with very complex credit issues.

Read our dedicated The Credit People review for more detailed information.

Pyramid Credit Repair
Pyramid Credit Repair

BEST FOR

quick credit repair

Visit Website
  • Monthly fees: Starting from $99
  • Other fees: No
  • Customized service: Yes
  • Money-back guarantee: Yes
  • Setup costs: No
  • Free consultations: Yes
  • Speed of service: 45 days
  • BBB Rating: Not rated

Pyramid Credit Repair is a relatively young company established in 2011 as a self-help software-based credit restoration company. Over time, it has evolved into one of the most reputable credit fix agencies that focus on fraud and identity theft as its main field of expertise. Unfortunately, Pyramid doesn’t accept residents of Iowa, Idaho, Indiana, Kansas, Maine, Maryland, Michigan, Mississippi, Ohio, Oregon, South Carolina, and Wisconsin.

Pricing

Pyramid Credit Repair offers two pricing plans — Singles Plan and Couples Plan. The former is designed for individuals applying on their own, and it will cost you $99 per month. The latter is intended for couples seeking the fastest credit repair and is charged a monthly fee of $198. The company also offers a discount of 20% for veterans and active soldiers and 15% for teachers.
Pyramid Credit Repair doesn’t charge upfront or first work fee, so you won’t waste your money on unexpected fees. You can cease using the company’s services any time you want without paying any penalty fees.

Features and Speed

This best credit fixing company will assign you a personal account manager when you sign up for Pyramid Credit Repair, who will be working with you on your credit improvement. They will collect your documents and send them to the three primary credit bureaus — Equifax, Experian, and TransUnion to investigate the items and have them removed.

After the credit dispute letters are sent to the credit bureaus, you can expect to see the first improvements within 45 to 60 days. However, the significant results will be visible within at least six months after dispute filing.

Support

In case you need to speak with credit repair professionals at Pyramid, you may reach them via toll-free phone on business days from 12 PM to 9 PM.

Pros Cons
Free consultation with a credit expert Not available in all states
No upfront fees High price
Real-time updates on the progress Not as experienced as other companies
Personal account manager

Our Verdict

Pyramid Credit Repair is one of the best credit restoration companies that charge no fees except for the mandatory monthly fee. It possesses a team of excellent professionals who’ll be working with you on your credit improvement. All clients are protected by a 90-day money-back warranty in case they’re not satisfied with the company’s services or results.

On the negative side, with a monthly fee of almost $100, Pyramid is among the pricier agencies. Additionally, it’s not available throughout the entire USA, so residents of 12 states will have to look for other credit repair companies.

Credit Firm
Credit Firm

BEST FOR

value for money

Visit Website
  • Monthly fees: $49.99
  • Other fees: No
  • Customized service: Yes
  • Money-back guarantee: No
  • Setup costs: No
  • Free consultations: Yes
  • Speed of service: 30-45 days
  • BBB Rating: A+

Credit Firm is a Texas-based credit company established back in 1997. It’s among the oldest and the best repair credit companies; however, it has a C+ rating from Better Business Bureau. The company provides a single credit repair plan without any extra services. Still, it offers 24/7 support and free consultations via toll-free phone.

Signing up for Credit Firm is quite easy — you can do everything online by filling in the form given on the company’s website.

Pricing

Credit Firm offers its credit repair professional services for only $49.99 a month. Except for this monthly fee, you won’t be charged anything else. There is no upfront nor any other hidden fees.
You can call off Credit Firm’s services whenever you want without fear of paying any penalty. Credit Firm doesn’t charge such fees, nor it imposes any obligations.

Features and Speed

Since Credit Firm focuses on credit repair only, it provides a single plan that covers all its services. The company will challenge an indefinite number of issues on your credit report and as many goodwill letters and debt validation letters as necessary for you.

Once Credit Firm starts to fix your credit, it will begin sending out investigation documents in 3-5 business days. It takes 30-45 days after starting credit repair to see the first results with some creditors. However, significant improvements in your credit score will be visible after a minimum of 90 days.

Support

Credit Firm offers its client 24/7 support and consultations via toll-free phone and email.

Pros Cons
Low and affordable monthly fee No credit monitoring available
Cancellation without punishment No financial management tools offered
Unlimited number of credit issues to be repaired Not Better Business Bureau accredited
24/7 support

Our Verdict

Twenty-three years of activity and countless satisfied clients undoubtedly make Credit Firm one of the best credit improvement companies. For less than $50 a month, the company will resolve an indefinite number of credit issues. Plus, you may contact the company without charge should you have any questions or doubts. On the negative side, Credit Firm focuses exclusively on resolving credit disputes. Except for free credit counseling, no extra services are offered. Besides, it has no money-back guarantee, which some put off some prospective clients.

Credit Glory
Credit Glory

BEST FOR

identity theft

Visit Website
  • Monthly fees: $99
  • Other fees: No
  • Customized service: Yes
  • Money-back guarantee: Yes
  • Setup costs: $199
  • Free consultations: Yes
  • Speed of service: Not specified
  • BBB Rating: A+

Based in NYC, Credit Glory is a credit repair agency that helps individuals with negative information on their credit reports and thus improve their FICO. Although this best credit repair agency caters to all individuals struggling with damaged credit, it specializes in dealing with clients whose identity has been stolen and compromised. The company offers a free-of-charge 15 minutes consultation during which it will grasp your needs and comes up with an action plan.

Pricing

Credit Glory offers some of the best credit repair programs tailored to their customers. The basic Credit Repair program charges a monthly fee of $99, plus a $199 review or setup fee. With this plan, the company will dispute all inaccurate items and have them removed.

Two programs are devoted to victims of fraudulent activity — All Inquiries and Single Inquiry. The former encompasses 10+ hard inquiry disputes for a one-time fee of $799, while the latter covers only one inquiry for $79 per service.

All plans include a 90-day money-back warranty in case the company fails to remove negative items.

Features and Speed

Credit Glory credit improvement services involve carrying on the correspondence, drafting letters for credit reporting companies, and disputing mistakes on your behalf. The negative items that Credit Glory challenges go as follows:

  • Collections,
  • Charge-offs,
  • Removing hard inquiries,
  • Late payments,
  • Filing for bankruptcy,
  • Balances,
  • Names and addresses

The company didn’t specify the time needed to notice the first results. However, the optimal period to see significant improvements is about three to six months.

Support

Like most of the best credit restoration companies, Credit Glory is available to its clients 24/7 via phone or live chat.

Pros Cons
90-day money-back warranty Setup fee
A+ BBB rating Limited services
Good customer service

Our Verdict

If your credit is damaged due to identity theft, Credit Glory is the best place to seek help with credit repair services. The company even offers two dedicated plans to victims of fraudulent activities. In case it fails to remove any of the negative items, this credit fixing company will give you your money back.

On the downside, in addition to charging somewhat high fees, Credit Glory charges a setup or review fee. Besides, except for credit repair, the company doesn’t offer any extra services.

AMB Credit Consultants
AMB Credit Consultants

BEST FOR

financial tools

Visit Website
  • Monthly fees: Starting from $99
  • Other fees: Yes
  • Customized service: Yes
  • Money-back guarantee: Yes
  • Setup costs: $149
  • Free consultations: No
  • Speed of service: Not specified
  • BBB Rating: A+

AMB Credit Consultants was established in 2007 in Dallas, Texas, by an owner who also struggled with bad credit. Up to this date, this credit score specialist has helped thousands of clients repair their credit scores. The factual knowledge of your consumer rights and different credit laws allows AMB Credit Consultants to clear incorrect or negative items from your credit report.

Pricing

AMB Credit Consultants offers two pricing plans for its credit clean up services — AMB Credit Empowerment Individual and AMB Credit Empowerment Couple. For the individual plan, you’ll be charged a $99 monthly fee, plus a one-time setup fee of $149. The couples plan offers a discount, so you’ll be charged $198 plus a setup fee in the same amount.

AMB Credit Consultants requires all its clients who have signed up to subscribe to the company’s partner IdentityIQ for monthly credit monitoring at the price of $24.99 a month. Given the fees, it could be said that AMB isn’t among cheap credit repair companies.

Features and Speed

When you sign up for AMB Credit Consultants, you’ll have a consultation with the company’s consultant, who will guide you through the process of credit repair. You’ll get access to the company’s Dispute Resolution Team that will work with you on removing negative items and resolving disputes to repair your credit.

AMB Credit Consultants is not only the best company to help repair credit; it also educates you on how to gain and maintain a good credit score.

A feature that isn’t included in the program monthly credit monitoring that you need to sign up for with the company’s partner IdentityIQ.

Support

AMB Credit Consultants is available to its clients on weekdays from 8:30 AM to 5 PM CST. You can reach the company to get the best credit help via phone or email.

Pros Cons
Unlimited disputes No free consultation
Discount for couples High fees
A BBB rating Additional fee for credit monitoring
Online application

Our Verdict

AMB Credit Consultants is an excellent company whose focus isn’t on credit repair. Instead, it sees itself as a credit empowerment program that provides dispute services. Besides focusing on clients’ education, AMB Credit Consultants doesn’t differ much from other best credit fixers. What’s more, it charged pretty high fees for its packages. Plus, it doesn’t provide a free consultation. Plus, it forces clients to purchase monthly credit monitoring from IdentityIQ, AMB’s partner. Even though AMB Credit Consultants has an A+ rating from BBB and a good reputation, its services are somewhat overrated.

Sky Blue
Sky Blue

BEST FOR

couple discounts

Visit Website
  • Monthly fees: $79
  • Other fees: No
  • Customized service: Yes
  • Money-back guarantee: Yes
  • Setup costs: $90
  • Free consultations: No
  • Speed of service: 30 days
  • BBB Rating: C-

Sky Blue is a reputable and experienced credit restoration company based in Florida. It caters to people looking for an affordable solution that will help them remove derogatory items from their credit reports. In case no desired results have been obtained, the company will bring you your money back.

Pricing

Fixing credit with Sky Blue is relatively cheap and straightforward. The company offers one simple pricing plan which will cost you $79 per month, plus a setup fee of $79. Note, though, that the setup fee is not charged as soon as you sign up, but six days after you subscribe. Likewise, the monthly fee is charged one month later.

Sky Blue is one of the rare legitimate credit repair companies that offer discounts for couples. Thus, should you decide to apply with your partner, you’ll be charged a $119 monthly fee and $119 one-time setup fee.
In case you’re not satisfied with Sky Blue services, you can cancel your subscription anytime without any penalties or extra charges.

Features and Speed

When you sign up for Sky Blue, you’ll receive an email from the company with instructions on what to do to get your free credit report. Next, the company will perform a line-by-line review and investigate the issues to come up with the list of negative items to be disputed.

Sky Blue challenges five items per bureau every 35 days in order to deliver a fast credit repair service. The credit bureaus are expected to process disputes within 30 days. In case the bureaus fail to comply, the company will re-dispute the items by sending customized challenge letters.

In addition to basic credit repair services, Sky Blue offers extra services such as cease and desist letters, goodwill letters, and debt validation.

Support

Sky Blue is available to its clients via toll-free phone (during business days from 9 AM to 5 PM EST), an online form, and member log-in. They can also refer to the FAQ section.

Pros Cons
Straightforward pricing plans Limited monthly disputes
Customized disputes and tailored services Low BBB rating
90-days money-back guarantee No financial management tools
Easy to cancel or pause membership

Our Verdict

Sky Blue services allow you to repair and rebuild your credit fast at a fair and acceptable price. Unlike other companies, Sky Blue doesn’t charge a setup and monthly fee immediately upon signing up but after six days and one month, respectively. Further, the company doesn’t charge any extra services — the monthly fee covers everything.

On the downside, the number of disputes that Sky Blue sends to credit bureaus is rather limited. As opposed to Sky Blue’s limit of 15 disputes (5 per bureau), there are companies that don’t set such limits. Another drawback is the C- BBB rating, despite the company’s experience and presence in the market. Lastly, besides cleaning up credit reports, Sky Blue doesn’t include any extra features such as education or financial management tools.

Read our dedicated Sky Blue Credit review for more detailed information.

Lexington Law
Lexington Law

BEST FOR

legal credit report audit

Visit Website
  • Monthly fees: Starting from $89.85
  • Other fees: No
  • Customized service: Yes
  • Money-back guarantee: No
  • Setup costs: No
  • Free consultations: Yes
  • Speed of service: Not specified
  • BBB Rating: Not rated

Lexington Law is a Utah-based full-service legal firm that helps clients remove incorrect or disputable negative items from their credit report by credit disputes, credit score and report analysis, as well as dispute escalation. In a few months only, your credit history will be cleared of unjust or misleading negative issues.

Pricing

Lexington Law’s credit repair specialist offers three pricing plans: Concord Standard, Concord Premier, and PremierPlus, with their prices ranging from $89.85 to $129.95.

The Concord Standard plan challenges incorrect negative items on your credit report and offers creditor interventions that challenge negative items.

The Concord Premier includes personalized dispute from the Standard plan, plus a set of extra features. With this plan, you’ll get access to services like InquiryAssist, report watch, and monthly credit score analysis, and TransUnion alerts.

The PremierPlus package is the most popular choice for removing credit inquiries, as it provides a new set of features in addition to those granted by the Concord Premier. If you buy this package, you’ll get cease and desist letters, identity protection, FICO tracker, and finance tools to help you make better decisions in the future.

Features and Speed

Once you subscribe to Lexington Law services, the team of experts will analyze your credit report to determine disputable negative issues that could be incorrect, unjust, or unsupported.

Next, the team will correspond with reporting bureaus and agencies on your behalf to dispute the incorrect items. The credit repair specialists will require that the reporting organization either remove or substantiate the questionable items.

The company will continue to correspond with reporting agencies and thus escalate challenges until all the questionable negative items are removed from your report. Additionally, Lexington Law will give you 24/7 access to an online portal so that you can monitor your credit analysis. The company will also provide you with resources to help you accomplish your credit goals.

Support

Lexington Law support is at their clients’ disposal on business days from 7 AM to 7 PM MST via phone. Clients may also log in to their dashboard or refer to the credit clean up company’s FAQ section.

Pros Cons
High-quality credit analysis and counseling No BBB rating
Excellent customer support Pricing plan not clearly stated
15+ years of experience Legal complaint against the company

Our Verdict

Considering its good reputation, devotion to every client, and high-quality services, it’s no wonder why Lexington Law is among the best credit repair companies in 2020. In 2019 only, it helped remove more than 1.5 million negative items from its clients’ reports. The company’s experienced staff is at your disposal to guide you through the entire process of your credit repair. Additionally, you’ll get financial advice on making better decisions in the future.

On the negative side, Lexington Law doesn’t offer a money-back guarantee, nor does it state how long it will take before the first improvements are noticed, as this is against the company policy. However, it does guarantee that it will fight hard to clean up your credit report in the best possible way.

Read our dedicated Lexington Law review for more detailed information.

Pinnacle Credit Management
Pinnacle Credit Management

BEST FOR

fast credit repair

Visit Website
  • Monthly fees: Starting from $99
  • Other fees: Yes
  • Customized service: Yes
  • Money-back guarantee: Yes
  • Setup costs: $199
  • Free consultations: Yes
  • Speed of service: 15-30 days
  • BBB Rating: C+

Pinnacle Credit Management is among the best and fastest credit repair services that deal with removing collections, late payments, tax liens, medical bills, bankruptcy, student loans, and other issues that may damage your credit. Pinnacle cooperates with numerous lenders and financial institutions with whom it connects its clients. When their credit is repaired, they will have greater opportunities for obtaining a loan or mortgage.

Pricing

Pinnacle Credit Management is the best company to fix your credit, provided that you’re willing to invest in credit restoration. The company offers two pricing plans — Fast Track and Fast Track Elite.
Fast Track plan charges a monthly fee of $99 and a one-time upfront fee of $199. It takes approximately three to six months to repair your credit, and you can cancel the service at any time.

Fast Track Elite is way more expensive, and it charges a one-time fee of $1,500-$2,500, plus an upfront fee of $199. However, it takes about 15 to 30 to restore your FICO. Besides, it comes with a personal credit manager, monitoring service, and a 120-day satisfaction guarantee.

Features and Speed

Pinnacle credit Management is among those credit dispute companies whose credit dispute process is relatively straightforward. Firstly, clients receive a free credit report evaluation, after which Pinnacle carries out a credit audit of major credit reporting companies.

Since Pinnacle implements a specific protocol to get responses from creditors or other information providers, clients will have an opportunity to watch disputes occurring in real-time.
According to Pinnacle, its Fast Track Elite plan has an 80% deletion ratio in the first 15 days. The standard plan shows results within 3-6 months.

Support

Clients can reach Pinnacle credit repair experts via phone, email, or live chat on the company’s website.

Pros Cons
The simple credit repair process Expensive
Excellent refund policy Limited information on the website
Free educational resources
Swift credit repair

Our Verdict

If you need your credit repaired urgently, Pinnacle Credit Management is undoubtedly the quickest solution. However, given that you need to pay over a thousand dollars for the company’s services, it definitely isn’t among the best cheap credit repair companies.

Even if you opt for the standard plan, the fees included are somewhat high, particularly the initial setup fee, given that some of the best credit repair services charge no such fees whatsoever.

Nevertheless, Pinnacle Credit Management provides extraordinary services and products you can use to educate yourself about credit score management, credit restoration, etc.

Credit Assistance Network
Credit Assistance Network

BEST FOR

individual disputes

Visit Website
  • Monthly fees: No
  • Other fees: Yes
  • Customized service: Yes
  • Money-back guarantee: Yes
  • Setup costs: $179
  • Free consultations: Yes
  • Speed of service: Not specified
  • BBB Rating: C+

Credit Assistance Network is a company that focuses on credit improvement rather than mere credit repair. Thus, in addition to its dispute services, this credit consultant offers free one-on-one consultations with FICO professionals and numerous free educational resources, as well as guides on how to manage your credit and keep your finances in good health.

Pricing

Unlike other credit repair companies, Credit Assistance Network doesn’t charge a monthly fee. Instead, it charges $50-$75 fees per dispute deletion (the former is related to deletion per bureau, the latter per public record). Additionally, the company charges a setup fee of $179 for singles and $279 for couples.

Such an uncommon way of pricing makes Credit Assistance one of the excellent credit cleaners for clients who don’t have many disputes, as they can be resolved quickly and without spending much money.
Credit Assistance grants a money-back guarantee in case they fail to repair any of your credit disputes.

Features and Speed

Credit Assistance uses a pretty systematic approach to repair your credit. The company is able to dispute no more than 45 items on the primary credit bureau reports. The process starts on the third day following your enrollment with this best credit repair site.

It may take 30 to 45 days before credit bureaus start responding. You can monitor your progress 24/7 via a client portal while discussing with an accounting expert.

What makes Credit Assistance outstanding is that it will continue with your credit repair process even when you get results to every dispute. It will carry out an array of actions, including sending requests for debt validation or drafting goodwill letters.

Support

Customer service is available via phone and email. Business hours, unfortunately, aren’t specified on the website.

Pros Cons
One-on-one consultations High one-time fees
Personalized service Low BBB rating
Educational material Incorrect information on the website

Our Verdict

The lack of monthly fees and personalized service classifies Credit Assistance among the best companies to repair credit. Given that it charges per dispute, it’s cost-efficient for clients who seek to avoid paying monthly fees due to a small number of disputes. However, it’s not quite a great fit for those who have numerous items to challenge, as they will have to pay very high amounts.

Since Credit Assistance doesn’t focus solely on credit repair, it offers an array of resources and education on financial health and credit management.

Credit Versio
Credit Versio

BEST FOR

DIY credit repair

Visit Website
  • Monthly fees: Starting from $19.95
  • Other fees: No
  • Customized service: No
  • Money-back guarantee: No
  • Setup costs: No
  • Free consultations: No
  • Speed of service: Not specified
  • BBB Rating: Not rated

The software’s smart system helps it to determine what suits your situation best, given that various items require different kinds of dispute letters. Hence, you can dispute errors related to repossession, bankruptcy, late payments, inquiry, repossession, charge-offs, etc. Once you get the necessary information, fill in the form, and send it to credit bureaus.

Pricing

Credit Versio offers three plans to its customers — Smartcredit® Basic ($19.95 per month), Smartcredit® Premium ($24.95 per month), and IdentityIQ ($29.99 per month). The first two include three credit bureaus reports and score, identity theft insurance of up to $1 million, and credit monitoring and alerts.

The basic difference between these two packages is in the number of credit reports and scores. Namely, the Basic plan has a limit of two reports per month, while Premium offers unlimited reports. The third, IdentityIQ, program provides up to $25,000 identity theft insurance, in addition to credit monitoring and credit reports.

Just like other best credit score repair companies, you can cancel your subscription any time you want without any penalties.

Features and Speed

All three plans include pre-recorded video lessons delivered by credit experts educating you about various aspects of the credit repair process. Though this is a nice benefit, these sessions aren’t live. Plus, the knowledge in credit repair seems incomplete and should be broadened.
Even though Credit Versio is excellent software, it still has drawbacks compared to the standard best companies for credit repair. It’s far more convenient to work with experienced lawyers who can give advice or answer your questions.

Support

Should you need to contact the company, you can reach the support on business days from 9 AM to 5 PM PST via phone, email, or chat on the website.

Pros Cons
Low monthly fees No live sessions
Video lessons No credit repair consultants
Credit monitoring
No penalties for canceling subscriptions

Our Verdict

If you’re into DIY credit repairing and don’t mind the absence of an experienced professional, Credit Versio is an excellent solution. Subscription fees are quite decent and affordable, plus you can cancel it whenever you want without paying any penalty fees. You also have pre-recorded educational videos at your disposal. Yet, the lack of an actual consultant is a significant drawback, as you have no expert to consult with.

Trinity Credit Services
Trinity Credit Services

BEST FOR

personalized credit repair

Visit Website
  • Monthly fees: No
  • Other fees: Yes
  • Customized service: Yes
  • Money-back guarantee: Yes
  • Setup costs: Yes
  • Free consultations: Yes
  • Speed of service: 90 days

Trinity Credit provides customized credit repair services for a one-time instead of a typical monthly fee. The company also grants a complete money-back guarantee if there are no improvements on your credit report within six months. Note that only residents of Texas and Louisiana may enroll for Trinity Credit services.

However, Trinity Credit isn’t among the best credit repair companies rated by the BBB. Namely, the company only has a C+ rating. Yet, it has five stars from BBB customer reviews.

Pricing

Unlike the majority of credit help companies, Trinity Credit doesn’t charge a monthly fee, nor does it have pre-set credit plans and fees. The company determines prices according to each client’s credit report, items that need to be challenged, and how difficult it might be to repair the client’s issues.

In addition to the personalized price, Trinity Credit charges a one-time setup fee, which isn’t disclosed on the company website. In fact, none of the prices aren’t listed on the website.

In case there is no improvement in your credit report within the given time, Trinity Credit will give you your money back.

Features and Speed

Trinity Credit provides only local credit repair services. In other words, only residents of Texas and Louisiana are eligible for enrollment.

Before the company signs the contract with you, a credit advisor will assess your credit reports to check what issues could be repaired. The company will sign a six-month contract in which the price will be specified depending on the amount and difficulty of the work needed to fix your issues.

On day five after your enrollment, the company will send letters to the three credit bureaus, which should respond within 30-45 days. You should be able to see the first results within 90 days. According to the projected timeline, you should see some significant improvements within six months.

Support

Trinity Service offers free credit counseling, consultation, and support via phone and contact form on their website.

Pros Cons
No monthly fee Service area limitation
Personalized credit repair solution No credit monitoring
Progress track via an online portal Not transparent about pricing
Credit survival guide

Our Verdict

Trinity Credit Service stands out from other credit repair companies due to its specific way of billing for its services, allowing some clients to spare their money. Even though it’s not among the best BBB rated credit repair companies with the rate of C+, it still has positive reviews from BBB. However, you’re bound to use the company’s services by a six-month contract, so you can’t cancel them before that without penalties.

Likewise, you won’t be aware of how much you’ll be charged before being offered the deal as the company’s pricing isn’t transparent. Lastly, though the company provides a credit survival guide, it doesn’t offer credit monitoring or education.

The Credit Pros
The Credit Pros

BEST FOR

dedicated FICO professional

Visit Website
  • Monthly fees: Starting from $19
  • Other fees: No
  • Customized service: Yes
  • Money-back guarantee: No
  • Setup costs: Starting from $19
  • Free consultations: Yes
  • Speed of service: 60 days
  • BBB Rating: A

Credit Pros is a New Jersey-based law firm established in 2009 that specializes in removing derogatory items from credit reports by sending unlimited dispute, debt validation, and goodwill letters, as well as cease and desist letters. Further, the company offers one-on-one consultations and advice, along with financial management tools that enable clients to make better credit decisions.

Pricing

To fix bad credit with the Credit Pros, you may choose from four pricing plans that the company offers. The cheapest, CreditSentry Monitoring plan costs only $19 a month + $19 one-time setup fee and grants basic credit report improvement and monitoring services, as well as identity protection.

For $69 a month + $119 one-time fee, you can unlock the Money Management plan and get access to the features encompassed by the basic package, plus extra services such as money management tools, debt validation, Snowball and Avalanche system, and TCP legal network.

Credit Pros also offers two premium plans — Prosperity and Success Package. To get their benefits, you’ll need to pay $119 per month + $119 setup fee and $149 per month + $149 one-time setup fee, respectively.

Features and Speed

Once you sign up for a preferred package, you’ll be assigned a certified FICO professional who will develop an action plan to address incorrect items on your credit report. They will start with challenge letters and may send debt validation requests, goodwill letters, and cease and desist letters to the credit bureaus. The organizations should respond within 60 days by sending you a copy of your credit report.

However, the company’s goal isn’t an instant credit boost only. It also offers credit monitoring, identity theft restoration, and protection services so that you can protect your credit and identity. It also aims to educate its clients on management and credit score to prevent mistakes from happening again.

Support

Should you need any help or have any questions, you can contact customer support via phone on business days from 9 AM to 8 PM EST or via email and live chat.

Pros Cons
Personalized action plan High setup fees
BBB accredited Limited ways of payment
Easy-to-navigate website
Transparent pricing

Our Verdict

If you’re looking for a company with the top credit repair ratings and BBB accreditation, Credit Pros is the best solution for you. The company offers four packages with a wide array of high-quality services at a reasonable price. Additionally, it will provide you with excellent educational and money management tools, along with useful advice on how to avoid mistakes that may damage your credit.

But, even though the company guarantees the quality of its services, it doesn’t explicitly offer a money-back guarantee. Another drawback is the setup fee, which is a bit high for premium packages.

Our Methodology

Credit score fixing is tedious work. While you may be able to address some of those issues on your own, asking for assistance from a reputable company guarantees the best possible results and simplifies the entire process.

The market is brimming with credit repair agencies. But no two companies are made the same, which is why it’s important to identify the one that fits your needs. Here are the steps we followed to determine the best credit repair companies.

First, we read through many credit repair reviews online.

Then, we compiled an extended list of the top credit repair services for 2020.

From there, we made sure to compare those credit repair companies based on pricing, features, speed, customer support, and any additional features.

We rated each company and made a pros and cons list for its services.

We picked out the most impressive ones and made a shorter list with the top-rated credit repair companies.

We also reviewed our top picks by visiting the official websites of each credit repair company.

If our list couldn’t help you choose the right credit repair service, we suggest you follow our review process or consult our step-by-step buyer’s guide.

Buyer’s Guide: How to Choose the Best Credit Repair Service

Know your rights and understand the laws

Before you begin your hunt for the most suitable credit repair service, make sure to get familiar with the mechanisms of credit repair. We recommend you start by visiting the Federal Trade Commission’s website and reading through the section devoted to dealing with debt.

Check for limitations

The range of services on offer varies from one credit repair company to the next. Only the best providers dispute questionable items at all levels (both with creditors and credit bureaus), and some will even offer complimentary credit counseling services.

So before signing the contract, you should make sure that you understand what the credit repair business that you’ve chosen can and cannot do.

Online reputation

Don’t just take credit repair companies at their word. Before making the final decision to sign up for a service, take the time to find out what a certain company’s previous customers have to say about their experience. Also, make sure the company has dealt with credit issues similar to yours.

Time in business

Choosing a company that’s been in business for at least two to three years is crucial. Experience is an important factor as it proves whether the company has been consistent in providing a legitimate and reliable service to its customers. However, this doesn’t mean that newer firms aren’t legit credit repair companies – these companies may also have highly experienced staff.

Pricing

The best credit repair agencies will charge you for their services on a monthly basis, and we highly recommend you stay away from the companies with per-item pricing policies. In addition to the monthly fees, credit repair firms may also impose a one-time sign-up fee.

Guarantees

Although it may sound surprising, credit repair companies aren’t allowed to guarantee any specific results. Not only are these kinds of guarantees illegal, but it’s also impossible to predict the actions of creditors and credit bureaus.

Still, the best credit repair companies offer satisfaction guarantees which means that they’ll give you your money back if you are unhappy with the service they provided.

Conclusion

Fixing a consumer’s credit score is a complex matter, and finding the best credit repair service can be time consuming. Still, it’s very important to do your due diligence and compare multiple providers instead of going with the first option you stumble upon.

If you fail to consider all the aforementioned factors, you may end up spending lots of time and money on a bad service.

FAQ

Do credit repair services actually work?

To put it simply – yes. Companies that repair credit can improve your FICO score. However, it’s important to remember that while credit repair agencies can help you remove certain derogatory items from your reports, they can’t challenge any fair negative items. Also, keep in mind that signing up with a credit repair agency doesn’t automatically mean that your score will be magically boosted overnight. The work of a credit repair specialist consists of everything that you could essentially do on your own; however, hiring a professional can save you lots of time and energy.

Are there any legitimate credit repair companies?

Yes, there are. All credit repair businesses that have a Better Business Bureau accreditation are considered legitimate. However, even if you can’t find a certain company on BBB, you can explore credit repair reviews by users to find out whether a certain provider is worth your time and money.

Some of the industry’s best options include Credit Saint, CreditRepair.com, Ovation Credit Services, and The Credit People.

What is the fastest way to repair your credit?

In addition to hiring the best credit repair company, there are a few more things that you can do to improve your credit quickly. Here’s what we suggest:

  • Pay your bills on time.
  • Keep balances on your credit cards (and other revolving credit) low.
  • Apply for new credit accounts only if necessary.
  • Keep unused credit cards open to avoid increasing your credit utilization ratio.
How much does it cost to repair my credit?

Credit repair pricing can vary widely depending on the company you decide to work with. You may pay a one-time flat fee, be charged on a monthly basis, or pay for each negative mark removed from your credit reports. Credit repair fees usually start at about $79/month, but can go up to $750 or even more if you choose to pay per item.

Given that the costs usually end up much higher for those who choose to pay per-item fees, we strongly recommend you go with the company that charges either one-time or monthly flat rates.

How can I raise my credit score to 800?

First, you should analyze your credit situation with the assistance of the best credit repair companies, identify all items that need to be challenged, and create an overall strategy. This should include paying all your bills on time, avoiding unnecessary credit applications, and disputing inaccurate items and outright credit report errors.