The 6 Best Credit Repair Companies Of August 2021
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This is a list of the best credit repair companies.
The best credit repair companies can improve your credit score in exchange for a fee. You might consider using a credit repair company if you have bad credit and you don’t have the time or know-how to fix it yourself. But credit repair is not an overnight process, and only certain types of information can be removed from your credit reports.
Best Credit Repair Companies of 2021
Here are the best credit repair companies of 2021.
Best Credit Repair Company Overall: Credit Saint
Credit Saint has been in business since 2004 and maintains an A+ rating from the Better Business Bureau. It offers a free consultation and a 90-day money back guarantee.
You can choose from three different packages: credit polish, credit remodel, and clean slate. Each package charges an initial signup fee and a regular monthly fee.
The credit polish package costs $99 to enroll and then $79.99 per month thereafter. With this package, Credit Saint will challenge late payments, identity thefts, charge offs, and collections, but it won't challenge bankruptcies, repossessions or judgments.
The credit remodel package has a $99 enrollment fee and a monthly fee of $99.99. In addition to everything you receive in the credit polish package, you also get any bankruptcies or repossessions challenged.
The clean slate package is the most expensive at $195 to enroll and then $119.99 per month. This package gets you the full menu of Credit Saint services.
With all packages, you receive an online account that lets you monitor Credit Saint's progress. Each customer also gets assigned a personal advisory team that will call you from time to time to answer any questions.
See our full Credit Saint review.
Best Credit Repair Company for Value: Sky Blue Credit
Sky Blue Credit Repair has an industry-leading 90-day money-back guarantee, straightforward and transparent pricing, and fast customer service.
In business since 1989, Sky Blue Credit offers flat-fee pricing of $79 per month. When you sign up, Sky Blue Credit will charge an initial sign-up fee of $79 six days after you enroll.
During the first six days following your enrollment, Sky Blue Credit will help you obtain your free credit reports from all three major credit bureaus. From there, Sky Blue will conduct a thorough review of all items listed on your reports.
Once Sky Blue has identified areas of concern, it will start sending dispute letters to the credit bureaus. According to the company website, it disputes 15 items every 35 days.
Sky Blue will continue repeating this process for as long as you wish at the all-inclusive $79 monthly rate. If you wish to temporarily pause the service, you can do so without paying a penalty.
In addition to preparing and sending dispute letters, Sky Blue's services also include debt settlement, debt validation, goodwill letters, and cease and desist letters.
If you wish to cancel, you can do so free of charge by notifying Sky Blue Credit by email, phone, or in the message center through your account.
See our full Sky Blue Credit review.
Best Credit Repair Company for Guarantee: The Credit People
Founded in 2001, The Credit People offers an all-inclusive service and two options to pay: monthly or a six-month flat fee.
If you choose to pay monthly, you'll pay $19 to sign up and then $79 per month. You can cancel at any time without incurring additional charges.
With the six-month flat rate payment option, you pay a one-time fee of $419. There is no sign-up fee and no additional monthly fee.
When you sign up, you'll receive a personal online account, which you can access from your computer or mobile device. The Credit People also offers notifications so you know right away when anything changes in your account.
While The Credit People doesn't guarantee any specific results, its website states an estimated credit score increase ranging between 53 and 187 points.
The Credit People also says it has helped customers remove over 1.4 million negative credit items from their reports.
See our full Credit People review.
Most Popular Credit Repair Company: Lexington Law
Founded in Salt Lake City, Utah in 1991, Lexington Law is a real law firm that now serves customers in all 50 states. You can check out the firm profiles on the Lexington site to see which lawyers work in the firm's various offices.
Lexington Law offers three tiers of services: Concord Standard, Concord Premier, and PremierPlus.
The Concord Standard service is Lexington's most basic credit repair package and its most affordable at $89.95 per month. With this package, Lexington will contact the credit bureaus and your creditors to try to get negative items removed.
The intermediate service level is the Concord Premier package, which costs $109.95 per month. In addition to the services you receive with the basic package, you also receive additional services like TransUnion alerts and score analysis.
The PremierPlus plan gives you Lexington's full menu of services for $129.95 per month. With this package, you receive all the services included in the basic and intermediate plans, plus extras like identity theft protection, credit score monitoring, and personal finance tools designed to help you manage your money more efficiently.
In May 2019, the Consumer Protection Financial Bureau filed a lawsuit against Lexington Law, alleging deceptive and abusive practices. If you're interested in reading the Complaint, you can do so here [pdf].
See our full Lexington Law review.
Best Credit Repair Company for Cancellation Policy: Ovation Credit Services
Founded by Lending Tree, a familiar name in online lending, Ovation Credit Services offers both credit repair and credit monitoring.
Ovation’s credit repair services are available in two packages: Essentials and Essentials Plus. Both plans start with an $89 “first work” fee due when you sign up for credit repair services.
The Essentials plan is $79 per month, which gets you a personal case advisor to help you identify items on your credit report you believe to be inaccurate. Once you have a list of everything you would like to dispute, Ovation will send dispute letters to your creditors on your behalf.
The Essentials Plus plan is $109 per month. For this price, you get everything offered in the Essentials plan, plus unlimited dispute letters and unlimited goodwill letters. This allows you to continue disputing inaccuracies that might pop up down the road.
In addition, the Essentials Plus plan comes with a personalized recommendation letter Ovation says you can use in “future dealings with potential lenders.” With this plan, you also receive TransUnion credit monitoring, so you can keep an eye on your credit report in real time.
Ovation also offers a straightforward cancellation policy. If, at any time, you’re unhappy with Ovation’s services, you can cancel without paying a fee for that month.
While Ovation has an online portal for clients to access their account, the site doesn’t offer an option to sign up for credit repair services online. To purchase a package, you must give Ovation a call at 866-639-3426.
Ovation also offers a free credit consultation. If you sign up for this complimentary consultation, an Ovation representative will call you to discuss your needs and help you decide if you need credit repair services.
See our full Ovation Credit review.
Best Credit Repair Company for Consumer Education: AMB Credit Consultants
AMB Credit Consultants, which has been in business since 2008, offers credit repair services for individuals and couples.
If you sign up as an individual, you’ll pay a $149 enrollment fee and then $99 per month. Couples pay $198 to enroll and $198 per month thereafter.
While AMB doesn’t offer different tiers of services beyond individuals and couples, its service is fairly all-inclusive. The company’s Credit Empowerment Program comes with unlimited disputes, including new disputes for inaccuracies added to your credit report after you enroll.
AMB will also send cease and desist letters and issue immediate responses when a customer receives a new collection letter. Customers also receive credit counseling and unlimited case reviews upon request.
Like all credit repair services, AMB can’t guarantee specific results. However, the company will refund six months of fees or offer an additional six months of services if it’s unable to remove at least one item within six months of a customer’s initial enrollment.
While AMB allows customers to cancel within three days of signing up for services, the company requires a minimum six-month commitment, with some contracts extending up to nine months depending on the customer’s credit repair needs.
To sign up with AMB, customers must also agree to pay for a tri-merged credit monitoring subscription through IdentityIQ, a third-party credit and identity theft monitoring service. This service costs an additional $29.99 per month.
Who is the best credit repair company?
Credit Saint is the best credit repair company based on our in-depth research and analysis.
With a 90-day money-back guarantee, an A+ rating from the BBB, transparent pricing, and fast customer service, we think Credit Saint is the best option for most people looking to repair their bad credit and improve their credit score.
What is credit repair?
Credit repair is the act of fixing your bad credit. Credit repair involves removing negative items from your credit report with the goal of improving your credit score.
Does credit repair really work?
Yes. Credit repair can work by removing negative items from your credit report, which can raise your credit score.
That said, credit repair companies won't make any promises about removing a certain number of negative items from your credit report, nor will they guarantee they can raise your credit score by a specific number of points.
However, reputable and legitimate credit repair companies can promise they'll do everything they can to clean up your credit, validate debt, and get inaccurate or unverified information removed.
While credit repair companies won't do anything you can't do on your own, the reality is that disputing multiple items across three credit reports is a time-consuming and often frustrating process. Credit repair companies know exactly whom to contact, what to say in their dispute letters, and how to follow up to make sure negative items get deleted.
Credit repair companies also know the consumer credit laws inside and out, and they put this knowledge to work on your behalf.
In short, you can think of a good credit repair company the way you might think of a top-notch mechanic for your car. Yes, you can probably study up and invest a lot of time and effort into learning how to fix your car yourself, but it's probably more efficient and less frustrating to pay an expert to handle the repairs.
How do credit repair companies work?
Credit repair companies work by removing negative items from your credit report in exchange for a fee. When they are able to remove these negative items, your credit score will often go up.
Credit repair companies order copies of your credit reports from the credit reporting agencies and review them for errors and other negative items that they can potentially dispute with the credit bureaus. These items include late payments, charge-offs, bankruptcies, and tax liens—all things that can show up in your credit history.
Then, they get to work by sending communications to the credit reporting agencies and creditors to get those negative items removed.
Typical communications include:
- Letters to dispute inaccurate information
- Requests to validate information, such as name, address, and date of birth
- Cease-and-desist letters to debt collectors
How to choose a credit repair company
There are a number of credit repair companies that offer competitive prices and excellent service, which can make it hard to choose just one. If you're trying to narrow down your options, here are some important points to consider.
Look for credit repair companies that offer a money-back guarantee, which is something of a common feature among the top-ranked companies in the industry. Many credit repair agencies will refund your money within 90 days if they fail to produce results.
Legitimate credit repair companies won't pressure you to sign up without first reviewing your credit status. This is because it's quite possible that everything on your credit report is accurate, which means a credit repair agency can't help you.
A good credit repair company will offer a free consultation that lets you connect with a credit repair expert. Because credit repair is all they do, they are generally well-versed in the credit repair process and able to answer any questions you may have about what to expect.
Federal law actually prohibits credit repair companies from charging any kind of fee before they do work on your behalf. Technically, this means that no credit repair company should be charging a fee just to enroll.
However, some credit repair companies get around this by charging a setup, enrollment, or program fee a few days to a week after you sign up for their services, and they start work on your behalf during this time. On the other hand, you can find plenty of highly rated credit repair companies that don't charge any kind of setup fees.
Credit repair can be a stressful process, especially when you're trying to reach a financial goal that requires a specific credit score. If you're new to credit repair, you're likely to have questions about how the process works, what you can expect, and what you can do to help boost your score.
Also, depending on how many negative items you need to dispute, credit repair can be an investment that can end up costing you hundreds or even thousands of dollars. When you're spending money on a service, it helps to have access to good customer service.
Some of the top-ranked credit repair companies assign a dedicated credit repair expert to each account. That way, you always communicate with the same person, and that customer service representative gets to know you and your account.
Customer reviews can give you valuable insight into how a credit repair company works, and whether it's likely to work for you. Many companies post customer reviews on their websites, but it helps to look at reviews on independent and third-party sites as well.
When you read reviews, however, keep in mind that some negative reviewers may have unrealistic expectations about what credit repair can and cannot accomplish. By law, creditors and credit bureaus have an obligation to report accurate information, and they're not required to remove any item this is accurately reported.
What can credit repair agencies do?
When you hire a credit repair agency, here is what they can do for you:
- Request copies of your credit reports from the credit bureaus
- Review your credit reports for errors and inaccurate information from your credit history
- Send letters to creditors and credit bureaus to have those negative items removed from your credit reports
- Request credit bureaus to correct incomplete information
- Send cease-and-desist letters to debt collectors
What can credit repair companies NOT do?
Even the best credit repair companies have their limits. Here are a few things they can't do for you:
- Guarantee to raise your credit score by a certain amount
- Charge up front fees, as this is prohibited by federal law
- Charge a fee if you cancel, which is illegal under federal consumer protection laws
- Replace your credit file with a brand new one
- Advise or encourage you to make false statements, such as claiming an accurate item on your credit report is illegitimate
- Promise to deliver specific results within a set period of time
- Anything you can't do on your own
- Force a credit bureau to remove an item from your credit report
- Fail to disclose your legal rights
How much does credit repair cost?
Credit repair costs around $70 to $130 per month.
The thing about credit repair companies is that they all have their own pricing model.
Some charge flat fees, while some charge by the month, and there are others who even charge separately for deletions.
Additionally, some credit repair companies offer unlimited services for a monthly fee or flat rate, while others put limits on what you'll receive. For example, you can find credit repair companies that give you unlimited dispute letters, whereas others cap these at 15 or so per month.
But typically, the prices range from about $70 to $130 per month—this doesn’t include the setup fee most of them charge, which can run you around the same amount of a monthly payment or upwards of $200.
However, expensive doesn't always mean better. In some cases, a higher priced package will include services you don't actually need.
This is why it's important to thoroughly research each credit repair service before you buy. Take a look at what each company offers, as well as how they explain their fee structure.
Are credit repair companies worth the cost?
The best credit repair companies can be worth the cost because they will save you a lot of time.
Are you willing and able to put in the effort required to comb through your credit reports, prepare and send dispute letters, and follow up with creditors and the credit bureaus?
While anyone can handle these tasks on their own, having professional help can be a major stress reliever.
For some people, the cost of a credit repair company is money well spent if it means they don't have to deal with the hassle and time commitment of managing the credit repair process on their own.
How long does it take to repair credit?
Credit repair takes about three to six months to resolve all of the disputes that you would need to make.
Of course, the time it takes to repair your credit will depend on your individual situation.
If you only have a few mistakes to correct and you don't have many accounts, credit repair might take only 30 days.
On the other hand, if you have many items to dispute or you've been the victim of fraud, credit repair could take much longer.
Is credit repair legal?
Credit repair is legal, and credit repair companies are subject to both federal and state regulations designed to protect consumers from predatory practices within the industry.
Under the Fair Credit Reporting Act (FCRA), credit bureaus are obligated to only report fair and accurate information. If a consumer disputes information, the credit bureaus are legally obligated to investigate and, if they determine that the information is wrong or fraudulent, remove it.
The Credit Repair Organizations Act (CROA) is another federal law that regulates the credit repair industry. It sets forth strict rules about credit repair companies can advertise their services and collect fees from consumers.
In addition to federal laws, each state has its own rules that govern how credit repair companies can operate in the state. This is why some credit repair companies don't serve all 50 states, as their services might be prohibited in certain jurisdictions.
Despite strong protection at the federal and state levels, the credit repair industry isn't immune from scams. Before you sign up for a credit repair service, it's important to know the red flags to watch out for.
- Make sure your agreement is in writing - Under the CROA, credit repair service agreements must be in writing. In addition, the credit repair company must inform you of your legal rights in writing.
- Never pay fees up front - Credit repair companies are legally prohibited from collecting fees before they perform services on your behalf. Steer clear of any credit repair service that demands payment without doing any work.
- Avoid companies that make guarantees - The law prohibits credit repair companies from making guarantees about what they can remove from your credit report. If a credit report company promises it can remove accurately reported items, this is likely either a scam or an unscrupulous company violating the law.
- Make sure you can cancel - Under the CROA, credit repair companies can't lock consumers into credit repair contracts. Avoid any credit repair service that won't let you cancel their services.
Do credit repair companies guarantee results?
No reputable credit repair company will ever guarantee that it can produce specific results. In fact, it's unlawful for credit repair companies to do this, and you should steer clear of any credit repair service that claims it can deliver a certain outcome.
However, many credit repair companies offer a money-back guarantee if you're unhappy with the service or they fail to remove a certain number of negative items. If you're on the fence about credit repair, a money-back guarantee might make you feel more confident about signing up.
How to avoid a credit repair scam
To avoid getting scammed, it helps to know the warning signs of a disreputable credit repair company. Before signing up with any credit repair service, be wary of any company that does the following:
Fails to inform you of your rights under federal and state law
This should come in the form of a written disclosure titled "Consumer Credit File Rights Under State and Federal Law."
Fails or refuses to put your agreement in writing
You should receive a contract that clearly states what services you will receive, how much you're required to pay for the services, the name and contact information of the credit repair company, the length of services covered by your payment, and information about how to cancel services.
Demands payment before performing any work
By law, credit repair companies can't ask for upfront payment.
Says it can remove accurate information from your credit report
By law, creditors are required to report accurate information. A credit repair company can't have these items removed from someone's credit report.
Some disreputable credit repair companies may suggest that you obtain a new social security number, which will allow them to establish a new credit file on your behalf. This is a serious violation of federal and state law, and you should steer clear of any company that encourages it.
You can also do your diligence and check these companies out with the Better Business Bureau (BBB)—they don’t necessarily have to have an A+ rating to be reputable, but they should at least have a good reputation for addressing problems.
How to sign up for credit repair
The process for signing up for credit repair varies from company to company.
However, choosing a credit repair company is a straightforward process you can accomplish by following a few easy steps:
- Research credit repair companies. Fortunately, we've done this part for you by gathering a list of the best credit repair companies. Review each one, looking at their levels of service and pricing structures so you can find the best fit for your needs.
- Compare your top choices. Once you narrow down the credit repair companies that appeal to you, do a side by side comparison to determine which one is best-suited to your situation and your budget.
- Sign up. Most credit repair companies make it easy to sign up by giving you clear instructions right on their websites. If you need help, many credit repair companies have representatives available by phone or email to answer any questions or walk you through the enrollment process.
Credit repair vs. debt settlement
Credit repair and debt settlement are sometimes used interchangeably, but these are actually two separate things. At the same time, they are related concepts in the sense that people use both credit repair and debt settlement to clean up their credit reports and hopefully boost their credit score.
Whereas credit repair is the process of removing inaccurate or fraudulent information from your credit report, debt settlement is the process of paying off creditors and settling debts in exchange for the creditor removing a negative item from your credit report — although the creditor has no obligation to do so. Let's take a closer look at each one.
While many people like to hire a credit repair company to dispute negative items on their credit reports, credit repair companies don't do anything you can't do on your own. However, they are very experienced at credit repair, and they can usually accomplish the dispute process much faster than someone going the DIY route.
Credit repair companies might be able to get the job done faster and more efficiently, but it's quite possible your credit report will have negative items that simply can't be removed. If a creditor or credit bureau reviews your dispute and determines that the item is fairly and accurately reported, it has no obligation to remove it.
In some cases, this means you're stuck with the negative item until enough time passes and it drops off your report. However, some people choose to pursue debt settlement as another strategy for getting a negative item removed from their credit report.
With debt settlement, you acknowledge that the debt is accurate. Instead of disputing it, you ask the creditor to accept full payment or a partial payment in exchange for removing the item from your report — something called a "pay for delete."
There are companies that claim they can do this for you, but it's important to be wary of these services. As the CFPB states, many of these companies operate by instructing you to stop paying your bills while they attempt to negotiate settlements with your creditors.
Instead of paying your bills, the debt settlement company holds your payments in an account, which it claims it will use to settle your debts. In the meantime, it also withdraws its fees from the same account, leaving you with less cash for offering a settlement.
The problem with this approach is that halting your payments can cause your creditors to charge-off your account, turning it over to collection agencies that will continue pursuing the debt and might even file a lawsuit against you. If they obtain a default judgment, they can garnish your wages until your debt is repaid.
Debt settlement companies sometimes call themselves "debt relief" agencies or "debt adjustment" companies. However, these are just different ways of referring to a debt settlement company.
The good news is you can handle debt settlement on your own and without the risk of creditors turning your account over to collections. If credit repair can't help you get a negative item removed from your credit report, you can always try negotiating directly with your creditor by offering a lump sum payment or partial payment to settle the debt in exchange for a pay-for-delete.
An important thing to note with debt settlement is that some credit repair companies also offer debt settlement as a legitimate service. In most cases, this means they will handle pay-for-delete negotiations for you if they're unable to get a negative item removed from your credit report.
How we chose the best credit repair companies
We evaluate credit repair companies based on five factors.
Using those factors, we then award each company a certain number of stars out of a possible five stars.
The factors we consider when assessing and ranking credit repair companies include the following:
- Services offered. We look at the variety of plans and what's included in each one.
- Reputation. We look for online reviews, both on the company's website and on third-party, independent sites. We also consider the company's Better Business Bureau grade as well as any negative action taken by federal regulatory agencies, such as the Consumer Financial Protection Bureau (CFPB).
- Value. When evaluating a credit repair company, we look at the price of each package the company offers, along with what services customers receive at each level of service.
- Resources. As we review each company's website, we look for resources such as guides, educational information about credit repair, and tips for better financial management.
- Ease of use. We review the signup process for each company, evaluating their on-boarding process and the steps involved in setting up an account and starting the credit repair process.
If you’ve had trouble with your credit and are looking for a legal way to fix it, credit repair could be the solution for you.
The best credit repair companies will offer you sage legal advice and do the legwork you may not have the time or knowledge to do yourself.
They are also apt to get much better and faster results than someone trying to do it on their own—after all, they have trained professionals who handle these matters every day and know exactly what items they should address on a credit report with the credit bureaus.
Cited Research Articles
CreditTakeoff.com is committed to using primary, credible sources of information to support our work. These sources include government reports, white papers, academic institutions, and authoritative financial publications.
- 1Federal Trade Commission: Credit Repair: How to Help Yourself (Nov. 2012). Retrieved from: https://www.consumer.ftc.gov/articles/0058-credit-repair-how-help-yourself
- 2Consumer Protection Financial Bureau: Consumer Financial Protection Bureau Files Suit Against Lexington Law, PGX Holdings, and Related Entities (May 2019). Retrieved from: https://www.consumerfinance.gov/about-us/newsroom/bureau-files-suit-against-lexington-law-pgx-holdings-and-related-entities/
- 3Federal Trade Commission: A Summary Of Your Rights Under The Fair Credit Reporting Act (No Date). Retrieved from: https://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
- 4Office of the Law Revision Counsel: Credit Repair Organizations (No Date). Retrieved from: https://uscode.house.gov/view.xhtml?req=granuleid%3AUSC-prelim-title15-chapter41-subchapterII-A&num=0&edition=prelim
- 5Federal Trade Commission: Fair Credit Reporting Act (Sep. 2018). Retrieved from: https://www.ftc.gov/system/files/documents/statutes/fair-credit-reporting-act/545a_fair-credit-reporting-act-0918.pdf
- 6Federal Trade Commission: Credit Repair Scams (Aug. 2012). Retrieved from: https://www.consumer.ftc.gov/articles/0225-credit-repair-scams
- 7Consumer Protection Financial Bureau: What Are Debt Settlement/Debt Relief Services and Should I Use Them? (Feb. 2017). Retrieved from: https://www.consumerfinance.gov/ask-cfpb/what-are-debt-settlementdebt-relief-services-and-should-i-use-them-en-1457/
About the Author
Mike is a recognized credit expert and founder of Credit Takeoff. His credit advice has been featured in CNBC, Investopedia, CreditCards.com, Bankrate, Huffpost, The Simple Dollar, Reader's Digest, LendingTree, and Quickbooks. Read more.