5 Best Credit Repair Companies of 2023

Rankings Last Updated: February 2023

1. Lexington Law

Lexington Law is one of the leading credit repair companies in the industry, with over 17 years of experience and a team of attorneys and paralegals working on their clients’ cases. One of the things that sets Lexington Law apart is the fact that they are a law firm, which can give clients added peace of mind and assurance that their case is being handled by professionals.

One of the standout features of Lexington Law is their personalized approach to credit repair. They offer a free credit report consultation and analysis to help clients understand their specific credit issues, and then create a customized plan to address those issues. They also provide frequent updates and progress reports to keep clients informed about the status of their case.

In terms of services, Lexington Law offers a wide range of options, including credit report disputes, negotiation with creditors, and assistance with identity theft issues. They also offer multiple package options at different price points to accommodate different budgets and needs.

Overall, Lexington Law has a strong reputation in the credit repair industry, with many satisfied customers praising their effective services and helpful customer support. While their pricing is on the higher end compared to some other credit repair companies, their expertise and personalized approach may be worth the investment for those looking to make significant improvements to their credit.

2. Credit Saint

Credit Saint has been in business for over 15 years and boasts a high success rate in helping clients improve their credit scores. One of the things that sets Credit Saint apart is their use of advanced technology, including a proprietary credit repair software that helps them efficiently and effectively dispute negative items on clients’ credit reports.

In terms of services, Credit Saint offers a range of options including credit report disputes, negotiation with creditors, and assistance with identity theft issues. They also provide clients with a dedicated account manager to oversee their case and offer support throughout the process.

One of the advantages of Credit Saint is their affordable pricing, with package options starting at just $79.99 per month. They also offer a money-back guarantee if clients are not satisfied with their services, which can provide added peace of mind.

Overall, Credit Saint is a trustworthy choice for credit repair, with a proven track record of success. With their use of advanced technology and affordable pricing, they may be a suitable option for those on a budget who are looking for professional assistance with their credit repair efforts.

3. Sky Blue Credit Repair

Sky Blue Credit Repair has been in business for over 25 years and has a strong reputation in the industry. One of the things that sets Sky Blue apart is their commitment to transparency and customer satisfaction, with a 90-day money-back guarantee and no long-term contracts.

In terms of services, Sky Blue offers a range of options including credit report disputes, negotiation with creditors, and assistance with identity theft issues. They also provide clients with a dedicated account manager to oversee their case and offer support throughout the process.

One of the advantages of Sky Blue is their straightforward pricing, with a flat fee of $79 per month for their services. They also offer a discounted rate for couples and families, making it a more affordable option for those looking to repair their credit together.

Sky Blue Credit Repair is a reliable option for those looking to improve their credit scores, with a focus on customer satisfaction. They have a commitment to transparency and offer a 90-day money-back guarantee with no long-term contracts. Their emphasis on personalization may make them a good choice for those who want a more hands-on approach to credit repair.

4. CreditRepair.com

CreditRepair.com has been in business for over 20 years and has helped thousands of clients. One of the things that sets CreditRepair.com apart is their comprehensive approach to credit repair. They offer a range of services including credit report disputes, negotiation with creditors, and assistance with identity theft issues. They also offer educational resources and tools to help clients understand and improve their credit.

In terms of customer service, CreditRepair.com has a reputation for being responsive and helpful, with a team of trained specialists available to answer questions and provide support. They also offer a mobile app that allows clients to easily track their progress and communicate with their account managers.

One potential downside of CreditRepair.com is their pricing, which is on the higher end compared to some companies. They offer several package options at different price points, but the cost may be prohibitive for some individuals.

Overall, CreditRepair.com is a reliable and comprehensive choice for those looking to better their credit situation. While their pricing may be higher than some other options, their range of services and reputation for customer service may make them worth the investment for those looking for a more comprehensive approach to credit repair.

5. The Credit People

For over 20 years, The Credit People has assisted thousands of clients in improving their credit scores. One of the things that sets The Credit People apart is their commitment to affordability, with package options starting at just $19.99 per month. They also offer a money-back guarantee if clients are not satisfied with their services.

In terms of services, The Credit People offers a range of options including credit report disputes, negotiation with creditors, and assistance with identity theft issues. They also provide clients with a dedicated account manager to oversee their case and offer support throughout the process.

One potential downside of The Credit People is that they do not offer as many services as other companies, and their packages may not be as comprehensive as a result. However, for those on a budget who are looking for a more basic level of credit repair assistance, they may be a suitable option.

In summary, The Credit People is a budget-friendly option for individuals with bad credit. With their commitment to affordability and money-back guarantee, they may be a practical option for those on a tight budget who are looking for a more basic level of credit repair assistance.

Other Credit Repair Companies to Consider

The Credit Pros

Pros: The Credit Pros offer a range of options including credit report disputes, negotiation with creditors, and assistance with identity theft issues. Provides clients with a dedicated account manager and offers a mobile app for easy communication and progress tracking.

Cons: Pricing is higher than some other companies.

Ovation Credit Services

Pros: Ovation Credit Services offers a variety of services, including credit report disputes, creditor negotiation, and identity theft protection. Provides a personalized approach with a dedicated account manager for each client. Offers a money-back guarantee if clients are not satisfied with their services.

Cons: May not be as well-known or established as others.

Credit Glory

Pros: Credit Glory offers a wide range of services, including credit report disputes, creditor negotiation, and identity theft protection. Provides clients with a dedicated account manager and offers a mobile app for easy communication and progress tracking. Offers a money-back guarantee if clients are not satisfied with their services.

Cons: Limited information available about the company’s reputation and track record.

What to Look for in a Credit Repair Company

When considering a credit repair company, make sure to look for one that offers legitimate and reliable services. This means that the company should be upfront about what they can and cannot do, and should not make any false promises or guarantees. In addition, you should check if the company is licensed and accredited, as this can provide an added level of security and trustworthiness.

A credit repair company should offer legitimate services as well as transparent pricing and contracts. This means that the company should clearly outline their fees and services, and there should be no hidden costs or surprise charges. Furthermore, it is advisable to read reviews and testimonials from past customers. This can provide insight into the quality of service and overall satisfaction with the company.

How to Avoid Credit Repair Scams

Credit repair scams can be harmful to consumers, as they often charge large fees for services that are either unnecessary or not effective. Be cautious when seeking help with credit repair, as there are many companies that take advantage of consumers who are struggling with credit issues. Here are some tips to help you avoid credit repair scams:

Be wary of companies that make unrealistic promises

If a company promises to remove all negative information from your credit report, or to significantly raise your credit score within a short period of time, it is likely a scam.

Credit repair is a slow process that requires time and effort, and it is not possible to remove all negative information from your credit report or to significantly increase your credit score overnight.

Do not pay upfront fees

Legitimate credit repair companies will not charge you upfront fees for their services. If a company asks for payment before any work has been done, it is a red flag that the company may be a scam.

Be cautious of companies that ask for payment in the form of a prepaid debit card or wire transfer, as these forms of payment are difficult to track and may be used to facilitate fraudulent activity.

Research the company and its reputation

Before working with a credit repair company, do some research to learn more about the company and its reputation. Check online reviews and ratings, and look for any complaints or warnings issued by the Better Business Bureau or other consumer protection organizations.

If you are unsure about a company, it may be wise to seek assistance from a trusted financial advisor or a government agency such as the Federal Trade Commission.

Do-It-Yourself Credit Repair

DIY credit repair can be a practical option for people who can’t afford professional credit repair services. The first step in the process is to obtain a copy of your credit report from each of the three major credit reporting agencies: Equifax, Experian, and TransUnion.

You are entitled to a free copy of your credit report once a year from each of these agencies, and you can request them through the website AnnualCreditReport.com. Once you have your credit reports, you will need to review them carefully to identify any errors or negative information that you can dispute.

To dispute an error on your credit report, you will need to contact the credit reporting agency. If the credit reporting agency cannot verify your dispute, they must update or remove the error from your credit report.

If you have negative information on your credit report that is accurate, such as late payments or a debt in collections, you can try to negotiate with the creditor to have the negative information removed in exchange for paying off the debt.

However, keep in mind that creditors are under no obligation to remove negative information from your credit report, even if you pay off the debt. So, you should be prepared for the possibility that your efforts may not be successful.

Frequently Asked Questions

Is credit repair legal?

Not only is credit repair legal, it’s also your right under the Fair Credit Reporting Act (FCRA). This federal law allows you to dispute negative items with three major credit bureaus to remove any inaccurate or unverifiable information from your credit report.

There are numerous ways to fix your credit, which is why it can be helpful to get a credit repair company to help. They understand the inner workings of the law and can use that knowledge to your benefit and get your credit back on track.

Can I repair my credit by myself?

Yes, you can improve your credit on your own; in fact, we recommend it. While credit repair companies can be quick and efficient in the process, you can do everything they do. The best way to begin is to start learning the laws mentioned above.

However, you may discover that repairing your credit is a lengthy, time-consuming process. Even after learning the relevant consumer credit laws, you still have to make phone calls, write letters, document your communication, and follow up with the credit reporting agencies and creditors. On the other hand, a credit repair company leverages its experience to get the job done quickly.

Can negative items be removed from my credit reports?

Yes, there’s a good chance that you can get negative items removed from your credit history. In fact, it happens thousands of times every day. Even items like credit card charge-offs, bankruptcies, and foreclosures have the potential to be erased from your credit reports.

My credit is awful. Can credit repair really help me?

Credit repair sometimes works best for people with bad credit because your score has nowhere to go but up. In fact, you’ll probably see a noticeable difference in your credit scores with just one or two negative marks removed.

However, credit repair does take time, so it’s best to get started as soon as possible. Try giving one of our top credit repair companies on our list a call to find out how they can help you.

happy family

Can I dispute my credit reports online?

You can certainly dispute your credit reports online, but we don’t recommend it. While convenient, it’s the least effective option for removing negative items. There’s no paper trail for you to refer to, and it’s easy to get lost in the shuffle. We advise that all credit bureau disputes be done through written letters with a return receipt.

How do credit repair companies work?

The best credit repair companies provide positive results for their customers. They do so by disputing questionable negative items on your credit reports with the three credit bureaus. But not all credit repair services are created equal. There have been plenty of scams in the credit repair industry that attempt to take advantage of people with bad credit.

Many have been sued and shut down by the FTC. But it’s still wise to do your research to choose one of the best to help you with your credit repair. We only review the most reputable credit repair agencies so that you know exactly what to expect when hiring a credit repair service.

So, how do they get a bad reputation? Your creditors and the three credit bureaus want to avoid credit report disputes at all costs. It takes time, effort, and money to improve your credit score, which earns lenders less money in interest the next time you go to get a loan. But it’s your right under the FCRA to hire a credit repair service so that you have an expert on your side.

Why use a credit repair agency?

Having bad credit follows you through all areas of your life. For example, it can prevent you from getting credit cards, a mortgage, or a car loan, and if you do qualify, you’ll likely pay some of the highest interest rates. Even landlords, employers, insurance companies, and cell phone carriers check your credit history to get a sense of how trustworthy you are. But bad credit doesn’t just affect your financial life.

Rebuilding your credit on your own can take a lot of time. Not only do you have to learn the entire process of credit repair, but you also have to actually do it. That can take hours spread out over months. Plus, consumer dispute success rates are much lower compared to professionals.

couple buying a home

You might even cause more damage to your credit score when you attempt to repair your credit on your own. You could also inadvertently re-open a statute of limitations on a collection, depending on where you live. Using a credit repair company lessens the chance of failure because they have truly seen it all.

Plus, the ones we recommend all employ a staff full of lawyers and paralegals who understand the law inside and out. Their success rates are phenomenal; since 2018, Lexington Law has removed over 10 million items on behalf of clients.

Paying for a credit repair company is an investment in your future and can save you loads of money in the long run by having access to credit at affordable interest rates. Find the best one by reading our review pages.

How do I choose the best credit repair company?

You need to perform your due diligence when picking a credit repair company. Finding the right one can mean significantly improving your credit scores while picking the wrong one could likely result in wasted time and money and no change to your credit score.

To put it into perspective, you can expect to spend between $300 and $500 on your credit repair over the course of a year. If the company isn’t making any progress on your credit report, you’ll have lost all that money and time.

The most significant factor to consider when evaluating credit repair services is their trustworthiness. You want to avoid getting scammed, so selecting a credit repair company with a strong reputation for success is essential. Take a look at customer reviews and Better Business Bureau (BBB) ratings, as well as how long the company has been in business. All of this information should give you a pretty clear idea of what sort of service you’ll receive.

Every company listed above meets a plethora of minimum standards. Each one has been in business for a long time and has exceptional customer service. If more than one pops out at you from the list, get a free credit consultation from a few different credit repair companies. The free consultation allows you to see what kind of plan they recommend for your situation and pick the one that sounds best.

How long does credit repair take?

There’s no straightforward answer to this because the amount of time for credit repair depends on many factors. Your credit situation, strategy, and financial goals all play a part in the time it takes for a full credit recovery. On average, it takes about three to six months.

buying a new car

What negative items can be removed from my credit report?

You can challenge any negative credit listing deemed inaccurate, misleading, incomplete, or questionable. You can also have something removed if it is unverifiable or untimely. Specifically, you can target late payments, credit inquiries, collections, charge-offs, bankruptcies, foreclosures, tax liens, repossessions, judgments, or any personal information.

How much does credit repair cost?

While prices vary, most reputable credit repair companies charge a monthly fee between $79 and $119. They generally also have a setup fee or “first work” fee on top of the flat monthly rate. As we mentioned above, the time it takes to complete the work depends on how bad your credit is. However, you are not tied to a contract with most credit repair companies. You can cancel anytime.

Can I cancel at any time?

Of course. Part of our criteria for listing a company on this website is that you can cancel whenever you want. We recommend that you call customer service and cancel your plan once you hit your target credit score that you’ve decided for yourself.

Can legitimate credit repair companies guarantee results?

The majority of our recommended credit repair companies offer some sort of money-back guarantee, though a few don’t. However, the Credit Repair Organizations Act (CROA) prohibits credit repair companies from guaranteeing a specific outcome and a legitimate credit repair company will not do that. Read each review thoroughly to get a sense of what to expect from each one, then call to confirm that they provide a money-back guarantee based on results.

How can I start repairing my credit?

The fastest way to get started is to read our reviews of the best credit repair companies. Once you understand the services each one offers, you can choose the best one for you. Then, when you’re ready, you can call or fill out a form online to start the credit repair process.

Have more questions?

Please don’t hesitate to contact us with any questions we haven’t already answered. We’ll get back to you as soon as possible.

If you have specific questions about your credit reports, you can get in touch with one of the credit repair companies we’ve listed. They all have excellent customer service and can answer any questions related to your situation.