Credit report errors frequently happen, and they may even negatively impact your overall credit score. That’s when you may want to look for the best credit repair companies to get rid of the inaccurate information and get that score up, fast!
While it’s possible to do it yourself - the process could prove to be time-consuming and frustrating.
A quality credit repair service manages all the key processes, from evaluating your reports, identifying mistakes, and directly discussing them with creditors and credit bureaus.
This way, you can focus on other important matters in your life.
Choosing an efficient credit repair service makes all the difference. Thus, we have picked the 10 top rated credit repair services you can rely on this year.
Best Credit Repair Companies:
1. Lexington Law — Best Credit Repair Company Overal
Lexington Law Pros
Impressive track record
- Impressive track record
- Free consultation
- Expert team of attorneys & paralegals
- Ranked number 1 credit repair firm
- Over 500,000 active clients
Lexington Law Cons
- No money-back guarantee
Lexington Law is a name known to all in the credit repair industry. The company has been operating for more than 17 years and is available all over the country, except Oregon.
With its team of expert and experienced paralegals and attorneys, Lexington Law is known for investigating all the legal inaccuracies in your credit reports.
Being a law firm, Lexington Law offers a free analysis of reports and personalized support for several hours the entire week.
Lexington Law Price: 4.5/5
The firm has three service packages ranging from $95.85 to $139.95 per month. Each includes credit disputes, goodwill letters, and debt validation letters. You can also get Transunion credit monitoring perks and a FICO score tracker in its premium plans.
Lexington Law Services: 5/5
Lexington Law offers the following three credit repair packages:
- Concord Standard: It starts at $95.95 per month and involves bureau challenges and creditor interventions.
- Concord Premier: It begins with $119.95 per month and includes bureau challenges, score analysis, creditor interventions, InquiryAssist, ReportWatch, and TransUnion Alerts.
- Premier Plus: It has $139.95 per month fees and includes bureau challenges, scores analysis, creditor interventions, InquiryAssist, ReportWatch, TransUnion alerts, FICO score tracker, cease & desist letters, personal finance tools, and identity theft protection.
Lexington Law Customer Service: 5/5
Even if the situation is out of your control, the professional lawyers at Lexington Law will use advanced and precise tools to correct errors in your credit report. It usually takes the company around six months to resolve your issue. However, you can manage your subscription length to suit your needs.
2. CreditRepair - Complimentary Credit Report Analysis
CreditRepair Pros
- Free initial consultation
- Affordable
- Great reputation
- Personal online dashboard
- TransUnion credit monitoring
- Wide financial tools
- Flexible package options
CreditRepair Cons
- Not a great deal of website info
CreditRepair.com claims to have removed 1.8 million negative items from credit reports since they were established in 2012. They’ve also launched 19 million challenges altogether and have a large number of favorable reviews on consumer review sites and aggregator sites.
They’re transparent about the services they provide and the software they use.
CreditRepair Prices: 4.4/5
There’s only one package available with CreditRepair.com and it costs $99.95 per month. You’ll also be charged an initial one-time fee of $14.99 to have your credit report pulled.
However, new users may have trouble understanding what the package entails since the site has limited information regarding the deals. You might need to contact one of their helpful representatives for further assistance.
CreditRepair Services: 4.5/5
To get started, CreditRepair.com offers you a free credit report consultation. This will give you access to a personalized analysis of your credit report that’s carried out by three credit reporting agencies.
If you wish to proceed further, you’ll need to pay a small fee of just $14.99 to have your credit report pulled. Beyond that, you’ll need to subscribe to the only package they have available - which costs $99.95 per month.
From there, they set to work on improving your credit score over the course of the next 4 or so months.
Once you subscribe, you get access to features such as a personal online dashboard, text alerts, and a credit score tracker.
CreditRepair Customer Service: 5/5
Judging from the customer reviews, users seem to be very pleased with how helpful the company’s representatives are. Not only will they get to work on improving our credit report right away, but they’ll also answer any questions that you may have along the way.
3. Credit Saint — Variety Of Credit Repair Packages
Credit Saint Pros:
- Supports varying budgets
- 90-day money-back guarantee
- Transparent pricing policies
- Three repair packages
- Detailed reporting
- Online sign-up feature
- Flexible cancellations
Credit Saint Cons
- Unavailability in some states
Serving since 2004, Credit Saint is a New Jersey-based credit repair company popular for its user-friendly platform and transparent pricing policies.
The firm offers the most detailed and comprehensive repair packages for people who just want simple credit repairs.
The company has a strong reputation in the industry, with an A+ Better Business Bureau Rating for more than 10 years.
On top of that, Credit Saint has come a long way in helping people overcome their credit report errors with its efficient personnel consultants team, online account feature, and money-back guarantee.
Credit Saint Price: 4.7/5
The price range for Credit Saint’s packages ranges from $79.99 to $119.99. These prices vary according to the number of claims the company will dispute per month, starting from as low as five claims with the standard “Credit Polish” plan to unlimited monthly disputes with the premium “Clean Slate” plan.
Credit Saint Services: 5/5
Credit Saint offers three levels of credit repair packages to help customers know what they’re getting into.
These packages are:
- Credit Polish: It starts with $79.99 for the entire month, including 5 dispute items with an initial one-time work fee of $99. The package also includes writing goodwill intervention letters to creditors.
- Credit Remodel: The package starts at $99.99 for the whole month, including 10 dispute items with a $99 initial one-time work fee. It also offers Experian monitoring features, goodwill intervention letters to creditors, and escalated information requests.
- Clean State: It begins at $119.99 for the whole month with unlimited disputes at an initial work fee of $195. It also includes Experian monitoring, goodwill intervention letter to creditors, and escalated information requests.
Bear in mind that Credit Saint isn’t available in some states which include Georgia, Kansas, and South Carolina.
Credit Saint Customer Service: 5/5
Credit Saint provides its users with free-of-cost consultation through phone and online sessions. Moreover, the company also offers a 90-day money-back guarantee and allows you to track and monitor changes in your report.
4. Sky Blue Credit — Popular for Flexible Subscriptions
Sky Blue Credit Pros
- Online sign-up feature
- 90-day money-back guarantee
- 50% discount for couples
- Clear pricing structure
- Quick work times
Sky Blue CreditCons
- No credit monitoring
- No financial tools
Sky Blue Credit has been working in the credit repairs industry since 1989. The company has the most affordable and flexible subscription plans to suit customers’ needs. If you’re on a budget, Sky Blue Credit is the best option.
The company excels in fast, reliable, and professional credit repairs services without getting heavy on your pocket. It not only helps remove inaccurate data from your credit report but also advises you about managing your existing debt.
The only downside is that the service doesn’t offer any financial tools, however, it excels in other areas which we will go through below.
Sky Blue Credit Price: 4.7/5
The company only offers one subscription plan for $79 per month for individuals, which accounts for $119 a month for couples.
Sky Blue Credit Services: 4/5
Sky Blue Credit repair plans include:
- Dispute for a maximum of 15 items every 35 days (5 each credit bureau)
- Flexible dispute letter customization
- Thorough analysis of reported debts
- Assistance for credit score
- Counseling for credit rebuilding
- Negotiations consultation
- Effective debt settlement
- Goodwill, cease, and desist letters
Sky Blue CreditCustomer Services: 4/5
Sky Blue Credit Repair also offers a 90-day refund policy for their users if they don’t find any positive changes in their credit report within a time period. B
Additionally, the service allows you to pause or resume your subscription whenever you desire.
The pause feature lets you skip a month of service without any need to cancel the subscription. The good thing is that you won’t be charged a penalty for it. This way, you can save startup fees money.
5. The Credit People — Best Guarantee Card Repair Services
The Credit People Pros
- Simple cost structure
- Affordable one-time initial fee
- Responsive customer service
- Easy access to credit score
- Flat rate available
- Unlimited disputes
The Credit PeopleCons
- No credit monitoring
- No access to financial management tools
Operating since 2001, The Credit People has helped 310,000+ people with their credit repairs using its professional team of consultants who are FCRA certified.
The Credit People claims to be the only credit repair service that provides users with a flat rate package. Not only that, but the firm also charges the lowest setup fees, which makes it an ideal choice for people with tight budgets.
The Credit People Price: 4.5/5
The pricing structure of The Credit People makes it stand out from its competitors. Its only package starts at $19.
Once you open the account, you can pay $79 per month ($119 for couples) until you get your desired results or go for the flat fee structure of $419 for a six-month plan.
The Credit People Service: 4/5
The Credit People’s platform allows you to check any updates of your credit report from the three major credit bureaus. While it doesn’t offer credit monitoring - there are plenty of other perks such as:
- A 6-month customer guarantee
- Unlimited disputes
- Access to credit score and analysis of reports
- Counseling for credit rebuilding
- Steps to increase your credit score
The Credit People Customer Service: 4/5
The Credit People allows you to cancel your subscription at any moment you like. It also refunds you the monthly payment of your previous and the last month.
6. Ovation — Well-known for Discounts
Ovation Pros
- Cancellation option
- Offers financial management tools
- Solid reputation
- Transparent cost structure
- Offers credit monitoring services
OvationCons
- No 24/7 customer support
- Credit monitoring only with Essential Plus plan
Ovation Credit Repair was recently acquired by LendingTree. It is one of the top trustworthy credit help companies dedicated to helping people with their credit repairs effectively. The company also helps customers avail of a loan once their credit score gets fixed.
The firm also offers many educational tools to learn about credit repairs. Ovation Credit Repair claims that it has corrected 19 errors on average with more than 120,000 credit profile improvements.
Ovation Price: 4/5
The price of Ovation Credit Repair ranges in its two packages. The Essentials Plan charges $79 per month, while Essentials Plus is $109 per month. The one-time initial work fee stands at $89.
Keep in mind that if you require credit monitoring as well, you’ll need to opt for the Essential Plus plan.
Ovation Services: 4.5/5
The two credit repairs packages offered by Ovation Credit Repair are:
- Essentials Plan: It includes free consultation service with an expert credit repair professional and personalized credit dispute features. You will also get a case advisor assigned to oversee your case. In addition, the plan also offers you customized dispute options and several financial management tools.
- Essentials Plus Plan: Like the Essentials plan, it also offers you a free consultation with an expert, as well as several customized dispute options, personalized credit dispute options, a personal advisor, and unlimited goodwill and dispute letters to creditors.
Moreover, it also provides you with TransUnion credit monitoring and an official Ovation recommended letter for your future loan lenders.
Ovation Customer Service: 4/5
The cutting edge feature of Ovation Credit Repair is their impressive discounts. It offers 20% couples discounts and 10% seniors and military discounts. It also offers a one-time credit of a maximum of $50 if you refer the company to a friend or switch from a competitor to Ovation.
The brand also offers you financial tools to make budgets and build an efficient debt repayment plan.
7. The Credit Pros — Popular Bonus Features
The Credit Pros Pros
- Credit monitoring
- Financial management tools
- Zero setup fee
- Unlimited credit disputes
- Certified FICO experts
The Credit Pros Cons
- No 24/7 phone support
- Pricey
- Basic package only offers one credit dispute
The Credit Pros is by far the only AI-powered credit repair company in the market at the moment. Not only that, but it is also the only company with a team of accredited FICO professionals.
If you were having second thoughts about The Credit Pros, you could now put your confidence in their agents.
The company has been in the credit repair industry for over 12 years, and its website claims to be trusted by more than 200,000 clients until now. The Credit Pros is also rated A+ by BBB and has several positive ratings by review sites.
The Credit Pros Price: 3.5/5
The initial work fee of The Credit Pros is a little higher than other credit repair companies. It stands at monthly $69 for basic (Money Management), $119 for medium-level packages (Prosperity Package), and $149 for the premium plan (Success Package).
The one-time initial work fee is $119 for Money Management and Prosperity Package and $149 for Success Package.
The Credit Pros Service: 4.5/5
The company offers free consultation in two languages , English and Spanish. In addition, it also comes with TransUnion credit score updates and a complete analysis of the report every 60 days.
You can choose one of the three packages at The Credit Pros:
- Money Management: It includes one credit dispute each month, and updated free credit reports every 2 months. Plus, it also offers customers goodwill letters, debt validation letters, free access to the legal team, cease and desist letters, National Credit Direct’s credit line, and personalized steps from certified FICO professionals.
- Prosperity Package: It provides almost similar features as the Money Management plan with the addition of unlimited monthly credit disputes, medication discounts, and no credit line.
- Success Package: Like the Prosperity package, it also offers similar features as the Money Management plan. However, you can also expect unlimited monthly credit disputes, medication discounts, National Credit Direct products discounts, and National Credit Direct’s credit line.
The Credit Pros Customer Service: 4/5
The Credit Pros usually offer additional perks for their premium customers. However, you’ll get access to valuable financial management tools even in its cheapest package.
The basic Money Management package enables you to set bill reminders, a budgeting system, and credit theft monitoring.
The best part is that the company offers you a mobile app for all the plans. This way, you can get review disputes, receive real-time information, and track your credit report and score on the go.
8.Pyramid Credit Repair — Best Customer Service
Pyramid Credit RepairPros
- 3-step credit restoration process
- 24/7 customer support
- 90-day money-back guarantee
- Free credit report analysis
- Pay-as-you-go pricing approach
Pyramid Credit Repair Cons
- Unavailable in 12 states
- Isn’t recognized by any independent review site
Pyramid Credit Repair was founded in 2012, offering free credit report analysis and exceptional customer service to Americans.
With this service, you’ll get a Personal Account Manager assigned who will help you throughout the entire process.
The 24/7 available support also sets the company apart from its competitors.
Pyramid Credit Repair Price: 3.5/5
The cost structure is simple, starting from $99 for singles to $198 a month for couples. You won’t be charged any penalty upon cancellation of the service.
Pyramid Credit Repair Service: 3.5/5
The company offers you a free initial report analysis to see if they can help you or not.
You’ll get two types of packages:
- Individual Plan: It includes personalized benefits, various financial tools for customers, and 24/7 support by the accounts manager and other members.
- Dual-action Couples Plan: It involves benefits for you and your partner, along with advanced financial tools and more features.
Pyramid Credit Repair Customer Service 4.5/5
The company offers a conditional money-back guarantee within 90 days. Your privacy will be protected as it doesn’t share customers’ credit data without their consent.
The only downside is that the service isn’t recognized by any independent review site - but customer reviews still talk highly of the credit repair site.
Overall, Pyramid Credit Repair’s official website is easy-to-use and has all the information available.
How Did We Choose the Best Credit Repair Companies?
Here are all the factors we considered while choosing the best credit repair companies:
Services
A credit repair company must offer services according to their fees. We chose companies with a comprehensive services plan with all the additional perks, such as a money-back guarantee, the number of items they dispute each month, free consultation, and more.
Fees and Duration
A trustworthy credit repair company always lists its services and prices clearly on its website to allow you to choose the right plan. Moreover, they must also mention the subscription plan duration or turnaround time of their services.
We prioritized both of these things in our listing.
Personal Finance Tools
Advanced credit repair companies also offer additional personal finance tools, such as budgeting software, credit monitoring, bill reminders, etc.
In addition, most credit repair companies also provide customers with free credit consultations, guaranteed satisfaction, and identity theft protection.
Credit Repair Organizations Act (CROA) Compliance
All credit repair companies must comply with CROA. The company has to be transparent about its services, duration, and guarantee offers.
The companies we chose allow you to cancel the subscription within 3 days of signing up - without any penalty.
Customer Reviews
You can confirm the ratings of credit repair companies on credible sites like Google Reviews, Yelp, the Better Business Bureau (BBB), and others.
We listed the companies with decent ratings; however, you can also check customer reviews on other websites to ensure their credibility.
Choosing the Best Company To Repair Credit
Here are the answers to all your questions about credit repair agencies:
Can I Fix My Credit Myself?
Yes, you can fix your credit yourself; however, the process can be pretty time-consuming. Your action plan must be:
1. Get your credit report.
2. Review the report.
3. Identify any errors to dispute them.
4. Paying late accounts and boosting your credit limits.
5. Getting rid of high-interest debts.
6. Applying for a new credit card.
7. Paying your balances on time.
How Much Does Credit Repair Cost?
The credit repair prices usually vary from company to company.
According to our research, you’re most likely to be charged around $20 to $150 per month, depending on the package you choose. Some companies also charge a setup or initial fee that goes up to $200, while others may not have any fee.
What Does a Credit Repair Company Do?
A credit repair company does all the heavy lifting for you. It analyzes all your credit reports according to the criteria of the three main credit bureaus, identifies any inaccurate information, and contacts creditors and bureaus to resolve disputes.
Some companies also offer advanced personal finance tools and direct credit counselors access.
Is Credit Repair Legal in the USA?
Yes, credit repair is legalized by the federal law of the USA in all 50 states. The Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA) apply to the credit repair companies in the country.
How Long Do Credit Repair Companies Take?
Generally, companies take around 3 to 6 months to give you results. The first month or 45 days are usually for investigating the initial challenges and disputes.
How Do I Choose the Best Legitimate Credit Repair Company?
When choosing a legitimate credit repair company, look out for these factors:
- Services offered
- Fees and duration
- Compliance with the federal laws (FCRA) and (CROA)
- Customer reviews
- Review sites ratings
Our top pick is Lexington Law as it is a reliable, efficient, and user-friendly credit repair company. However, all the companies we have listed are true to the above factors so you can rely on any of them.
Legitimate Credit Repair Companies - The Takeaway
Receiving a credit repair report is more common than you think. With every day’s hustle and bustle, it’s understandable to ignore your credit scores. However, the real challenge is dealing with the credit inaccuracies in your report.
If you want an easy way out of this situation, you should contact a top credit repair company according to your budget. All the credit repair companies listed above are trustworthy, efficient, and compliant with federal laws.
Lexington Law makes the top of our list due to its impressive track record and free consultation, while CreditRepair holds a great reputation with affordable prices to match.
Thanks for reading!
