4 Best Credit Repair Services of 2020

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 services come into play.

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Top 4 Top Credit Repair Companies for 2020

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. 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

3. 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

4. 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

Detailed Reviews

Credit Saint
Credit Saint

BEST FOR

free credit consultations

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  • 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, live chat, 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

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  • 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 800-341-8441. Support representatives are available from 7 a.m. until 7 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

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  • 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 look up the most reputable credit repair companies, 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

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  • 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. Agents are available between 9 a.m. and 5 p.m. Monday through Friday. 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.

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 legit 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 user reviews 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 services, 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.