Best Credit Repair Companies - the Easiest Way to Fix Your Credit Score in 2020

A credit repair company is an organization that you pay a fee to in the hopes of improving your credit score. Credit repair agencies work with credit reporting bureaus and other creditors to challenge — and sometimes even remove — your negative items. 

Does this sound like something you’re interested in? Then, read our comprehensive reviews that compare the best credit repair companies. We’ll also discuss what credit repair companies are and what they can & can’t do, we’ll review the top options in the industry, and answer your frequently asked questions. 

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Best Credit Repair Companies in 2020

1. Sky Blue Credit

Hassle-free cancellation policy

90-day money-back guarantee

Best-in-Class customer service

Best credit repair for couples

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The Boca Raton-based company has a setup fee of $79 and set monthly fees of $79 thereafter. Couples pay a $119 setup fee and $119 monthly thereafter. Its users are updated at all times by means of its mobile app that allows you to track your credit progress every step of the way. The company has a BBB score of C and offers its users a 90-day money-back guarantee, no-charge cancellation, and the option to pause their program.

Read full review

2. Lexington Law

Extended customer service hours

Three tiers of services to pick from

Team of legal experts

Best discounts offered

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The Utah-based company has a setup fee of $6.99 and set monthly fees thereafter with the lowest monthly fee costing $89.95. Lexington Law has a BBB score of C but boasted an A- score prior to its current pending regulatory action. Nevertheless, it’s extended customer service hours, extensive online resource library, and attractive discount policy make this company one to consider.

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3. CreditRepair.com

A three-step credit repair plan

24/7 dashboard and mobile app

Extensive education resources

Best for fast-tracked credit repair

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The Washington-based company charges a setup fee of $14.99 and you’ll need to pay $99.95 on a monthly basis thereafter. CreditRepair.com has a BBB score of D and is currently facing pending regulatory action. Its simple three-step credit repair plan is attractive, along with its average credit score gain statistics, fast results, and couples discount.

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4. Credit Saint

Personal online account page

24/7 customer service agent availability

Three different pricing plans and service levels to pick from

Credit Repair with the best customer service

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The New Jersey-based company has an A+ BBB rating and a great reputation to boot. With its lowest monthly fee being an affordable $79.99, this option is accessible to most people. Two of its plans only cost $99 to set up whilst its most aggressive plan has a first work fee of $195. Its 90-day money-back guarantee and 24/7 customer service seal the deal.

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5. The Credit People

Monthly and flat-rate membership options

45 to 60 day average results time

60-day money-back guarantee

Best for quick credit repair

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The Utah-based business has a BBB score of C+, which in all honesty we can’t understand. Its monthly plan costs only $19 to set up and then $79 per month (plus, couples will receive a $20 discount off that price for the first month) while those who opt for the Flat Rate membership will save a cool $74. With fast results, a 60-day money-back guarantee, and a stellar reputation, we have no qualms recommending this as our best overall choice.

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6. The Credit Pros

Access to FCRA certified professional and in-house legal team

Consultations available in English as well as Spanish

60-day feedback average

Best for simple needs

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The New Jersey-based company has an impressive A+ BBB score and an assortment of plans to pick from with the lowest costing just $19 a month with a setup fee of the same amount. As the plans get more comprehensive the monthly prices (as well as the setup fee) increase. Progress reports are always just a click away and helpful 24/7 customer service is always at your disposal.

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7. Ovation Credit Repair

Access to FCRA certified professional and in-house legal team

Consultations available in English as well as Spanish

60-day feedback average

Best reputation credit repair company

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The New Jersey-based company has an impressive A+ BBB score and an assortment of plans to pick from with the lowest costing just $19 a month with a setup fee of the same amount. As the plans get more comprehensive the monthly prices (as well as the setup fee) increase. Progress reports are always just a click away and helpful 24/7 customer service is always at your disposal.

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At a Glance

  • BBB Rating: C
  • Years In Business: 31 (est.1989)
  • Credit Repair Program Duration: 1 to 6 months
  • 90-days money-back guarantee
  • Free Credit Consultation
  • Couples discount ($119 per month)
  • Mobile App

 

Sky Blue Credit has been helping people raise their credit scores since 1989. It has earned itself an incredible reputation over the last 30 plus years and has helped many people during this time. It has earned its spot on our list because of its fast service, incredible customer support, and easy-to-understand pricing model. Thanks to its generous discount policy, Sky Blue Credit’s services are best for couples.

Services and Packages

What makes Sky Blue Credit so popular is how simple it is. Its core services include Pro Analysis, Disputes Management, Score Assistance, and Credit Rebuilding. It only has a single credit repair package charged at a set monthly amount and encompasses all of its services. Here’s what that means:

Pro Analysis

Free reports, monitoring, expert credit report analysis, and erroneous data identification.

Disputes Management

15 disputes every 35 days with customizable dispute and re-dispute letters as well as the statute of limitation research on all items is included.

Score Assistance

Thorough credit profile examination to devise a strategy to improve your FICO credit score with personalized credit score recommendations.

Credit Rebuilding

Credit report analysis and guidance on how to fix your credit.

Extra Services

At no additional cost and on an “as needed” basis, debt validation, Goodwill letters, cease-and-desist letters, debt negotiation, and settlement consultations.

Sky Blue Credit has an easy-to-understand pricing model: six days after subscription you’ll be charged a flat fee of $79 per month. There are no additional charges for any special services such as cease-and-desist letters, Letters of Goodwill, or debt validation.

When two people sign up together, they’re eligible for the couples discount which brings their pricing down to $119 for the review and setup and $119 every month thereafter. Should you decide that Sky Blue Credit isn’t the right company to fix your credit score you can cancel at any point by phone, email, or message without worrying about any extra fees.

Pros

Cons

✔️   Free consultation 

✖️   BBB rating of C

✔️   90-day money-back guarantee

✖️   Limited service offering

✔️   Customer service

✖️   Outdated website design

✔️   Discounts available

✔️   Cancellation policy

Customer Service

You can reach the Sky Blue Credit’s customer service via phone, email, or message center from Monday to Friday, from 9:00 am to 5:00 pm EST. You can also find the help you need in their Sky Blue blog, how-to guides, FAQs, and their extensive knowledge base.

In a Nutshell

Sky Blue’s pricing is easy-to-understand and affordable while it’s customer service is Best in Class. Its generous couples discount is also hugely attractive. What makes Sky Blue standout is that they dispute 15 credit report items (five each for TransUnion, Equifax, and Experian) every 35 days.

Read the Full Sky Blu Credit Repair Review

At a Glance

  • BBB Rating: C
  • Years In Business: 16 (est.2004)
  • Credit Repair Program Duration: 6 months
  • Military personnel, veterans, students and couples discount (50% on first work fees)
  • Free Credit Consultation
  • Mobile App

 

It’s only been a player in the credit repair game since 2004 but that hasn’t stopped Lexington Law from making a name for itself. The company removes 10.2 negative items from their client’s credit reports on average. This, coupled with its dedicated legal team, incredible discount policy, and its extended customer service hours, has helped Lexington Law find its way on our list. While suited for anyone who needs extensive credit repair services, it’s perfect for those who love discounts.

Services and Packages

Lexington Law offers its users three different credit repair plans so you only have to pick the one that works for you. Its team of legal experts ensures that all services are constantly kept in line with ever-evolving credit laws. Here’s a look at which services are included in the three plans.

Concord Standard

Bureau challenges and creditor interventions

Concord Premier

Same as above PLUS inquiryAssist, score analysis, ReportWatch and TransUnion alerts.

PremierPlus

Same as above PLUS cease-and-desist letters, FICO credit scoring model score tracker, identity theft protection as well as personal finance and budgeting tools.

Each plan has a free credit consultation, credit report analysis, and a set fee per month. The Concord Standard plan, which is sufficient for most people’s credit repair needs, is charged at $89.85 per month. The Concord Premier credit repair cost is $109.95 per month. Finally, the PremierPlus plan costs $129.95 per month.

Credit reports are pulled at an additional cost of $14.99 and you’ll be charged a one-time setup fee of $6.99.

In certain states, such as Utah and Arizona, Lexington Law provides its users with the full force of the law. It offers full-house legal services including bankruptcy, divorce, criminal defense, and general litigation.

Lexington Law has a generous discount policy that provides a 50% discount off the first work fees. This discount applies to active military members, veterans, and students. It also applies to couples (as in two people, not necessarily a married couple) that sign-up within 72 hours of one another.

When it comes to canceling, you’ll have to pay for any and all services rendered prior to your cancellation. You can cancel your Lexington Law subscription at any time by calling their customer service team. Speaking of customer service..

Pros

Cons

✔️   Free consultation

✖️   BBB rating of C

✔️   Legal representation

✖️   Cancellation can be difficult

✔️   Additional services offered

✖️   Pending regulatory action

✔️   Discounts available

✔️   Customer service

✔️   Mobile App performance

✔️   6-month service guarantee

Customer Service

Lexington Law customer service can be reached via phone, email, or online chat from Monday through Friday between 8:00 am and 12:00 am EST. On Saturdays, you can reach them from 09:00 am to 11:00 pm EST, and from 09:00 am until 10:00 pm EST on Sundays.

In a Nutshell

Lexington Law has three pricing plans for you to pick from, with the lowest monthly fee being $89.95. While on the expensive side, its service offering is hard to beat and amongst the most extensive in the industry. Its legal team and generous discount policy make this company stand out from the rest.

Read the Full Lexington Law Review

At a Glance

  • BBB Rating: D
  • Years In Business: 23 (est.1997)
  • Credit Repair Program Duration: 4 months
  • Couples discount (50%)
  • Free Credit Consultation
  • Mobile App

 

CreditRepair.com has been helping their users on their way to financial freedom since 1997. It has helped countless people over the years and the average CreditRepair.com client sees 7% of their negative items removed per month. The site boasts an average 40% increase within four short months. It’s Lexington Law’s sister company and is a great option for people who are looking for fast-tracked credit repair.

Services and Packages

Unlike its sister company, CreditRepair.com only has one service plan that is charged at a set fee. Before you even officially start the program you’ll get a free 10-minute credit consultation, access to your credit report summary, an audit on all of your accounts, and a credit score evaluation with a personalized credit score Game Plan.

The company’s service consists of checking your credit score, challenging inaccurate, invalid or unfair items, and setting about changing your credit score for the better.

Its pricing model couldn’t be simpler. You’ll pay a once-off fee of $14.99 used to obtain your credit reports from the three credit reporting agencies. After that, you’ll be charged $99.95 per month. There are no additional fees.

CreditRepair.com has an attractive couples discount policy that provides users with a 50% discount.

To cancel your month-to-month CreditRepair.com subscription, you can do so via email or telephone at any point. You’ll be expected to pay the full amount until the end of the billing cycle so don’t think that canceling at the beginning of the month will get you out of the month’s payment.

Pros

Cons

✔️   Free consultation

✖️   BBB rating of D

✔️   Discount available

✖️   Pending regulatory action

✔️   Mobile App performance

✖️   No money-back guarantee

✔️   Education services

Customer Service

CreditRepair.com’s customer service can be reached via telephone or email from Monday to Friday between 06:00 am and 10:00 am (MST) and on Saturdays from 07:00 am to 09:00 pm MST.

In a Nutshell

CreditRepair.com offers the simplest yet best credit repair solutions to complex credit problems. Its simple three-step credit repair plan is easy for all to understand and its clear set-fee pricing model makes it an attractive choice for many. All users are provided with access to a 24/7 personal online dashboard as well as a mobile app so you’ll be able to access your information and track your progress whenever — and wherever — you’d like.

Read the Full CreditRepair.com Review

At a Glance

  • BBB Rating: A+
  • Years In Business: 16 (est.2004)
  • 90-days money-back guarantee
  • Free Credit Consultation

 

Since the year 2004, Credit Saint has been providing people with credit restoration services. The company has helped thousands of Americans not only repair their credit score but ensure it is maintained after reparation. This makes it the ideal option for those who are looking for a long-term credit partner.

Services and Packages

Credit Saint has three different service levels for you to pick from — each of varying levels of aggressiveness — the Credit Polish, the Credit Remodel, and the Clean Slate. Take a look at what each plan features to help you make the right choice:

Credit Polish

Medium-aggressive, this plan comes with access to Credit Saint Online, toll-free support, a free Experian score tracker, and a 90-day money-back warranty. This plan will see late payments, identity thefts, collections and charge offs challenged.

Credit Remodel

This plan is highly aggressive and comes with all of the services listed above plus escalated information requests. It also challenges all of the items above with the addition of bankruptcies and repossessions.

Clean Slate

This plan is very high in aggressiveness and ups the ante with a few notable extras, including the dispute avalanche. Plus, in addition to all of the items challenged in the other plans this plan also challenges public records.

Now onto pricing. Both the Credit Polish and Credit Remodel plans have a first work fee of $99 while the Clean Slate has a hefty first work fee of $195. Thereafter, the Credit Polish costs $79.99 per month, the Credit Remodel and the Clean Slate will cost you $99/month $119.99/month, respectively.

Credit Saint is a low-cost credit repair service so it doesn’t offer any set discounts for specific groups of people such as couples, students, or veterans. However, the company does offer random discounts occasionally.

If at any point you wish to cancel your Credit Saint subscription, you are free to do so without worrying about additional charges or per diems.

Pros

Cons

✔️   A+ BBB score

✖️   First work fee is expensive compared to other industry options

✔️   Money-back guarantee

✖️   Not available to South Carolina residents

✔️   Three plans to pick from

✖️   No set discounts

Customer Service

If there’s one area where Credit Saint thrives, it’s customer service. Users have access to toll-free support as well as assistance via email or online chat 24/7.

In a Nutshell

Credit Saint’s 24/7 customer service is not the industry norm. With three plans to pick from, you can rest assured your needs will be met no matter how simple or complex they may be. Its 90-day money-back guarantee is proof of this. It’s also important to note that this company has been BBB-accredited since 2007.

Read the Full Credit Saint Review

At a Glance

  • BBB Rating: C+
  • Years In Business: 10 (est.20010)
  • Credit Repair Program Duration: 45 to 60 days
  • Couples Discount ($20 off first payment)
  • Free Credit Consultation
  • Mobile App

 

The Credit People is one of the best credit companies that has helped more than 100,000 people resuscitate their credit and live their best financial life since 2001. It removed 1,493,678 credit issues and boasts a 53-187 point increase. To give you an idea of how many people trust the Credit People, at the time of writing, 3,409 people signed up in the past four weeks. This is the ideal option for anyone who is looking for a personalized credit repair experience.

Services and Packages

The Credit People is the only credit restoration agency on this list that offers two different payment option memberships: monthly and flat Rate. With both plans, you’ll get access to your credit report and scores, 24-hour account access, unlimited disputes, credit communication, debt validation, inquiry validation, and ongoing credit repair support. Here’s the difference between the two plans.

Monthly Membership

For a small set up fee and a set monthly fee you get access to the full month-to-month credit repair program.

Flat Rate Membership

You can enjoy full access to a 6-month long credit repair program for a flat fee after which, if no results are achieved, you’ll be given a full refund.

Its payment plan is simple. Should you opt for the monthly membership plan you’ll pay an initial fee of $19 and $79 per month thereafter. You can make use of this membership for as short or as long as you want. The flat-rate membership has no initial fee but instead offers users a complete 6-month service for $419, meaning you would save $74.

The company further offers discounts to couples who will each receive $20 off their first monthly fee. In addition, the company frequently runs promo campaigns for discounts. Much like the other options on our list, The Credit People has an easy cancellation policy. You can cancel via phone, message, or email without worrying about additional charges.

Pros

Cons

✔️   Free consultation 

✖️   C+ BBB score

✔️   Money-back guarantee

✖️   Limited packages

✔️   Education services

✔️   Fast results

Customer Service

The Credit People’s customer service agents can be contacted Monday through Friday from 09:00 am to 5:00 pm CST in person, or via email or telephone. In addition, customers have access to a 24/7 after-hours support center.

In a Nutshell

Superior customer service, flexible pricing, and attractive discounts come part and parcel with The Credit People. With two plans to pick from, a great reputation and certified FCRA to its name The Credit People is the top choice for many people.

Read the Full The Credit People Review

At a Glance

  • BBB Rating: A+
  • Years In Business: 11 (est.2009)
  • Credit Repair Program Duration: 60-days
  • Couples discount ($100 added to the initial fee)
  • Free Credit Consultation
  • Mobile App

 

The Credit Pros was established in 2009 and has been spearheaded by its founder, an attorney who specializes in credit law. The company offers its users four different plans to pick from and thousands of people have picked the plan that works best for them. Its money management plan makes this a great option for those who need a little bit of help in a little bit of time.

Services and Packages

Perhaps the reason why Credit Pros is so popular is because it offers its users four different pricing plans to choose from. These plans are named Credit Sentry Monitoring, Money Management, Prosperity Package, and the Success Package. Here’s what their terms entail.
Credit Sentry Monitoring
A full credit report with credit monitoring services and identity protection services.
Money Management
All of the above PLUS single item fast credit repair in Snowball and Avalanche methods, debt validation letters, one-on-one consultation with a certified FICO professional, and access to the network of legal experts.
Prosperity Package
All credit services plus 80% medical expense savings.
Success Package
All of the above plus unlimited dispute letters and 24/7 access to the Credit Pros Client Portal and National Credit Direct services.

One of the reasons why Credit Pros is among the best credit repair companies is that it has a plan for everyone. The cash-strapped will appreciate the $19 first work fee and monthly fees of just $19 associated with the Credit Sentry Monitoring. The Money Management plan has a $119 first work fee and costs $69 per month thereafter. The Prosperity Package has a first work fee of $119 and costs $119 per month thereafter. Finally, the Success Package costs $149 per month and has a $149 first work fee.

Thanks to partnerships with Slash, CashRules, CreditSentry, IDCover and other companies credit restoration is now within reach.

The Credit Pros has a couples discount. A $100 “bonus” is added on top of the individual enrolment fee. In addition, the Credit Pros have an anytime cancellation policy that has no financial consequences.

Pros

Cons

✔️   A+ BBB score

✖️   Not available in Oregon, Maine, Minnesota, and Kansas

✔️   Legal experts

✖️   Higher set up fees

✔️   Mobile apps

✔️   24/7 customer service

Customer Service

Credit Pros customer service is available 24/7. There’s also a mobile app that allows you to track your progress and view FAQs. Users will also have access to a phenomenal online education center.

In a Nutshell

The Credit Pros has something for everyone. Whether you have short or long term needs, these guys can meet them. You’ll always receive legitimate legal advice and know that your credit score is in good hands. The Credit Pros’ mobile app must be mentioned — it allows users to track their credit progress on the go. Plus, it’s free and available for Android and iOS devices.

Read the Full The Credit Pros Review

At a Glance

  • BBB Rating: A+
  • Years In Business: 16 (est.2004)
  • Credit Repair Program Duration: 3 to 6 months
  • Couples discount (20%) and senior citizens, active military personnel and veterans (10%)
  • Free Credit Consultation
  • Mobile App

 

Ovation Credit Services is a paid credit repair service that has been in operation since 2004. Ovation can resolve items such as charge offs, foreclosures, late payments, and inquiries. The company has corrected a staggering 120,000 credit profiles and continues to do so, with an average of 19 removals per customer. It should be clear to see why Ovation made its way onto our list. Military members and senior citizens will benefit hugely from the platform’s ongoing monthly discounts.

Services and Packages

Ovation Credit Repair offers its users a choice between two plans, the Essentials Plan and the Essentials Plus Plan so simply select the one that is most affordable to you and that has the services you require. The Essentials Plan is perfect for people who have standard credit restoration issues with the Essentials Plus Plan is ideal for those who have complex problems.
Essentials Plan
A personal case advisor to guide you in the dispute process, personalized dispute options, and financial management tools.
Essentials Plus Plan
All of the above plus TransUnion credit monitoring, unlimited challenge validation letters, unlimited custom goodwill letters, and a personalized official Ovation recommendation letter to assist you with future private lenders.

Ovation charges an initial “first work” fee and then a set monthly fee. The Essentials Plan has an $89 first work fee and a monthly fee of $79. The Essentials Plus Plan has an $89 first work fee and a monthly fee of $109. For an additional one-off $25 you can also opt for the identity optimization feature which is a form of identity theft protection.

When it comes to discounts and freebies, Ovation sets the bar. Senior citizens, active military personnel, and veterans are all entitled to a 10% discount on their monthly fees. Any two people, be it a married couple or a set of cousins, who apply together will each receive a 20% discount. In addition to these discounts, if you’re already signed up with a credit repair company Ovation will give you a $50 credit to switch to them.

Canceling with Ovation is as straightforward as can be. Once you’ve accomplished your credit repair goals or decide you no longer need their services, simply contact them via telephone and notify them. They’ll immediately cancel your service and you won’t be charged again.

Ovation has an incredible education center that anyone can take advantage of. It provides information on all kinds of financial topics ranging from how to resuscitate credit to budgeting tips and everything in between.

Pros

Cons

✔️   A+ BBB score 

✖️   Exact credit repair strategies used are unclear 

✔️   Free consultation 

✖️   No online sign-up 

✔️   Discounts available 

✔️   Mobile app

✔️   Two plans to pick from 

Customer Service

Ovation’s customer service hours are from 8:00 am to 09:00 pm from Monday to Friday. On Saturdays, customer service agents can be reached from 9:00 am to 5:30 pm. Customer service can be reached via email or telephone.

In a Nutshell

Ovation is a credit repair company that comes with a high BBB score and ultimate consumer trust. Users are presented with two plans to pick from based on their needs, one of which costs $79 a month, and the other costs $109 a month. Its ongoing discount policy is massively appealing as is its mobile app that allows you to track and monitor your credit repair journey. The cherry on top is superb customer service and an online resources library.

Read the Full Ovation Credit Repair Review

What We Considered Creating The Best Credit Repair Companies List - Our Methodology

We didn’t just pull these companies out of thin air and pop them in a list. We spent hours researching them individually, reading the worst and best credit repair reviews, and determining the overall credit repair experience.

We considered a variety of factors during our decision-making process, including the following:

Pricing

The fact of the matter is that when you’re trying to rebuild your credit every cent counts. The companies that made our top 7 have fair pricing justified by the level of service offered.

Services

Some companies offer too many services while others offer too few. You need to know that you’ll be able to receive all the services you need from one company as opposed to using different companies for different things.  

Guarantees

While no company can make a 100% promise that your credit score will be improved, having a money-back guarantee in the event of no results whatsoever gives you peace of mind. 

Rating

In the day and age of the internet, rating is everything. All of the companies on our list are highly rated across numerous platforms including Google, Yelp, Better Business Bureau, Trustpilot, and Consumer Reports.  

Reputation

A company is only as good as its reputation. That’s why those on our list have stellar reputations that they’ve spent years achieving. 

Customer support

You need to know that, should you need it, help is readily available to you through various channels. 

Company history

We feel that a good track record is very important. All of the companies on this list are well-established and have worked hard to earn their reputation by delivering results to numerous clients. Rest assured, there are no fly-by-night companies on this list.

What to Look for When Choosing a Credit Repair Company

The purpose of our credit repair services comparison was to give you all the information on the top credit repair companies, now all that’s left for you to do is pick the right one. You need to consider your personal circumstances and select the company that is best for your needs. It’s also important to consider your budget and only opt for an outfit that you can comfortably afford. 

While we’ve introduced you to the best credit repair agencies out there, there are many other options for you to choose from. Unfortunately, not every firm claiming to offer such services is a good credit repair company and there are many disreputable credit repair companies so you need to be able to tell the difference. 

You must know how to recognize a credit repair scam. Here are a few red flags to keep an eye out for:

Website quality

In today’s day and age, a company’s website is everything. If the website is full of typos or spelling errors, certain pages don’t load, or you are constantly redirected to other sites we recommend you proceed with extreme caution. Reputable credit repair companies have decent websites. It’s that simple. 

Email addresses

If the email address is not the same as the website domain, run for the hills — the company is more than likely a scam. 

Ratings and reviews

 A company needs to have some kind of online presence. Naturally, if a company’s reviews are ALL negative then you shouldn’t think twice about eliminating them as a possibility. However, you also need to proceed with caution if ALL reviews are positive as these could be fake. Opt for a company that has both positive and negative reviews. If you’re looking for the best credit repair companies BBB reviews are a great place to start your search.  

No contact information

 It is your right to be able to contact a company so if the company doesn’t display its contact information or provide you with a way to contact them via a contact form, take your business elsewhere. 

No paper trail

Upon signing up you should be presented with a written contract that clearly states the service you’re agreeing to, how much you need to pay, the legal name of the company as well as information relating to your contract cancellation rights. If the company you’re dealing with does not want to provide you with a written contract they are in violation of the Federal Trade Commission’s Credit Repair Organizations Act (CROA).  

Requesting payment prior to providing service

This is a big no-no and not just morally. According to federal consumer protection laws, a credit repair company legally cannot request upfront payment. Also, be wary of places that claim to be a free credit repair company as chances are, they’re not.

What Credit Repair Companies Do?

Credit repair companies are allowed to request copies of your credit reports and review them. Should they find any inaccurate information or erroneous data they can challenge the credit bureau in question to have those negative items removed. They can also send cease-and-desist letters on your behalf to debt collection agencies.

What Credit Repair Companies Can’t Do?

Credit repair companies cannot promise to raise your credit score by a certain amount (they can only state the average credit score gain of their clients) or by a certain time. In addition, they can’t charge you a cancellation fee, request fees upfront nor can they force a credit bureau to remove negative items.

Best Credit Repair Services in 2020 at a Glance

Every company on our list is best at something — that’s why they made it onto our list. 

Sky Blue Credit — Best for couples 

Lexington Law — Best discounts offered 

CreditRepair.com — Best for fast-tracked credit repair 

Credit Saint — Best customer service 

The Credit People — Best overall 

The Credit Pros — Best for simple needs

Ovation Credit Repair — Best reputation 

Wrap Up

And that’s a wrap! Use all the info we’ve provided you with today to choose the right credit repair company for your needs. Reclaim your financial identity and let the best credit repair companies start working to remove erroneous data so you can have the future you deserve.

FAQ

How long does it take to fix your credit?

On average it takes between 3 to 6 months to fix your credit score. If you only have a few credit issues then it will take even less time, sometimes even less than 30 days. By that logic, if you have numerous long-term credit issues or if you’ve been the victim of identity theft or fraud, the process can take much longer than six months.

Are credit repair companies worth the cost?

In our opinion, yes, the credit repair company cost is worth it. But this depends on your personal circumstances and your overall consumer credit life. At the end of the day you’re able to rebuild poor credit by yourself but it takes a lot of time and effort. So if you’re not looking forward to the hassle, need a fast-tracked credit repair to apply for a personal loan, student loan, or mortgage, or are dealing with complex issues like identity thefts then credit repair companies will be worth every cent.

How do credit repair companies remove negative items?

Credit repair companies remove negative items by means of different repair strategies. They know exactly who to contact within credit card companies and other lending institutions, exactly what to say in dispute letters, and how to follow the correct processes and more.

Do repair companies guarantee results?

When it comes to guaranteeing results, credit repair companies don’t explicitly promise to raise credit scores by specific amounts or within a certain time frame. Legally, they cannot. In saying that, the best credit repair companies offer money-back guarantees if NO results are achieved. For instance, Sky Blue Credit and Credit Saint both offer 90-day money-back guarantees, so if you don’t see any results within a 90-day period you’ll be refunded in full.