Best Credit Repair Companies in 2021

[The Easiest Way to Fix Your Credit Score]

A credit repair company is an organization that you pay a fee to in the hopes of improving your credit score. Best 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
What they can & can’t do
Which are the top options in the industry
Frequently asked questions

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Fact-checked

1. Credit Saint

Credit Saint's most aggressive credit repair can challenge an unlimited number of late payments, collections, charge-offs, and much more on your behalf. Should none of the three plans work for you, there’s a 90-day money-back guarantee, and a free consultation is available. Full Review

  • Personal online account page
  • 24/7 customer service agent availability
  • Three different pricing plans and service levels to pick from
VISIT SITE

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Credit Saint's most aggressive credit repair can challenge an unlimited number of late payments, collections, charge-offs, and much more on your behalf. Should none of the three plans work for you, there’s a 90-day money-back guarantee, and a free consultation is available. Full Review

Reputation

★★★★★ 5/5

Services

★★★★★ 5/5

Support

★★★★★ 5/5

Pricing

★★★★★ 5/5

2. The Credit Pros

Start with a free credit consultation before opting for this 60-day program. Four pricing plans include identity protection services, medical expense savings of 80%, and access to the company’s legal experts network. Full Review

  • 60-day feedback average
  • Consultations available in English as well as Spanish
  • Access to FCRA certified professional and in-house legal team
VISIT SITE

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Start with a free credit consultation before opting for this 60-day program. Four pricing plans include identity protection services, medical expense savings of 80%, and access to the company’s legal experts network. Full Review

Reputation

★★★★★ 5/5

Services

★★★☆☆ 3/5

Support

★★★★★ 5/5

Pricing

★★★☆☆ 3/5

3. The Credit People

In up to just 60 days, The Credit People claims to be able to increase your score by as much as 187 points. Start with a free credit consultation, choose between a monthly and flat rate, and enjoy a personalized credit repair experience and a couples discount. Full Review

  • Monthly and flat-rate membership options
  • 45 to 60 day average results time
  • 60-day money-back guarantee
VISIT SITE

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In up to just 60 days, The Credit People claims to be able to increase your score by as much as 187 points. Start with a free credit consultation, choose between a monthly and flat rate, and enjoy a personalized credit repair experience and a couples discount. Full Review

Reputation

★★★★☆ 4/5

Services

★★★★☆ 4/5

Support

★★★★★ 5/5

Pricing

★★★★★ 5/5

4. Lexington Law

Lexington Law removes, on average 10.2 negative items from credit reports. A dedicated legal team, personal finance and budgeting tool and even identity theft protection make this into a full-scale solution. There are also plenty of discounts to sweeten the deal. Full Review

  • Team of legal experts
  • Extended customer service hours
  • Three tiers of services to pick from
VISIT SITE

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Lexington Law removes, on average 10.2 negative items from credit reports. A dedicated legal team, personal finance and budgeting tool and even identity theft protection make this into a full-scale solution. There are also plenty of discounts to sweeten the deal. Full Review

Reputation

★★★☆☆ 3/5

Services

★★★★★ 5/5

Support

★★★★☆ 4/5

Pricing

★★★★☆ 4/5

5. CreditRepair.com

CreditRepair.com offers a free credit consultation and about 7% of negative items removed per month. That can result in as much as 40 points monthly increase, thanks to a personalized credit score Game Plan. Discounts are available. Full Review

  • A three-step credit repair plan
  • 24/7 dashboard and mobile app
  • Extensive education resources
VISIT SITE

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CreditRepair.com offers a free credit consultation and about 7% of negative items removed per month. That can result in as much as 40 points monthly increase, thanks to a personalized credit score Game Plan. Discounts are available. Full Review

Reputation

★★★☆☆ 3/5

Services

★★★★★ 5/5

Support

★★★★★ 5/5

Pricing

★★★☆☆ 3/5

6. CreditFirm.net

CreditFirm.net will send debt validation and goodwill letters on your behalf at affordable monthly fees. If you’re looking for a simple solution to help you improve your credit score, this straightforward, one-plan program can help. Full Review

  • 24/7 customer support
  • Affordable monthly fees
  • Cancelations available anytime
VISIT SITE

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CreditFirm.net will send debt validation and goodwill letters on your behalf at affordable monthly fees. If you’re looking for a simple solution to help you improve your credit score, this straightforward, one-plan program can help. Full Review

Reputation

★★★★☆ 4/5

Services

★★★★☆ 4/5

Support

★★★★★ 5/5

Pricing

★★★★★ 5/5

7. Sky Blue Credit

SkyBlue’s programs are as short as one month and come with simple pricing models. Customizable dispute and re-dispute letters will result in 15 disputes every 35 days. You can also opt for extra services on an as-needed basis as part of the fastest credit repair company online. Full Review

  • Hassle-free cancellation policy
  • 90-day money-back guarantee
  • Best-in-Class customer service
VISIT SITE

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SkyBlue’s programs are as short as one month and come with simple pricing models. Customizable dispute and re-dispute letters will result in 15 disputes every 35 days. You can also opt for extra services on an as-needed basis as part of the fastest credit repair company online. Full Review

Reputation

★★★★☆ 4/5

Services

★★★★☆ 4/5

Support

★★★★★ 5/5

Pricing

★★★★★ 5/5

8. Ovation Credit Repair

After a free credit consultation, Ovation can help you resolve charge offs, foreclosures, and more, resulting in an average of 19 removals per customer. Not only does it offer plenty of discounts, but there’s also a great online resources library. Full Review

  • 60-day feedback average
  • Consultations available in English as well as Spanish
  • Access to FCRA certified professional and in-house legal team
VISIT SITE

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After a free credit consultation, Ovation can help you resolve charge offs, foreclosures, and more, resulting in an average of 19 removals per customer. Not only does it offer plenty of discounts, but there’s also a great online resources library. Full Review

Reputation

★★★★★ 5/5

Services

★★★★★ 5/5

Support

★★★☆☆ 3/5

Pricing

★★★★★ 5/5

9. Pyramid Credit Repair

Get free assessments and a customized credit-building plan with Pyramid Credit Repair. If that, extensive identity theft protection, and convenient access to the customer dashboard aren’t enough, there’s also a 100% money-back guarantee in place. Full Review

  • Free assessments
  • Excellent online security
  • 100% money back guarantee
VISIT SITE

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Get free assessments and a customized credit-building plan with Pyramid Credit Repair. If that, extensive identity theft protection, and convenient access to the customer dashboard aren’t enough, there’s also a 100% money-back guarantee in place. Full Review

Reputation

★★★★☆ 4/5

Services

★★★★☆ 4/5

Support

★★★☆☆ 3/5

Pricing

★★★★☆ 4/5

10. Sixty Day Credit Repair

Sixty day credit repair company has built a reputation for fast and highly efficient credit repair. Thanks to their proprietary process, the company claims it can help you twelve times faster than other companies can.

  • 100% money-back guarantee
  • Positive customer reviews
  • Offers free assessments and consultations
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Sixty day credit repair company has built a reputation for fast and highly efficient credit repair. Thanks to their proprietary process, the company claims it can help you twelve times faster than other companies can.

Reputation

★★★★★ 5/5

Services

★★★★☆ 4/5

Support

★★★★★ 5/5

Pricing

N/A

How We Created Our Best Credit Repair Companies List – 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 9 affordable credit repair 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

Credit repair companies reviews state that no company can make a 100% promise that your credit score will be improved, but 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 have high credit repair ratings 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 our list includes every credit repair company with stellar ratings that it has 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.

Top Credit Repair Companies

Credit Saint
Credit Saint

Best Customer Service

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  • BBB Rating: A+
  • Years In Business: 17 (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 in every state not only repair their credit score but ensure it is maintained after reparation. This is not a fast-tracked credit repair but it is 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 makes Credit Saint the most aggressive credit repair company out there. It 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 one of the best credit repair companies on BBB that has been accredited since 2007.

Read the Full Credit Saint Review

The Credit Pros
The Credit Pros

Best for Quality 24/7 Client Service

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  • BBB Rating: A+
  • Years In Business: 12 (est. 2009)
  • Credit Repair Program Duration: 60-days
  • Free Credit Consultation
  • Mobile App
  • Couples discount ($100 added to the initial fee)

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 that it offers its users four different credit repair packages 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 and it is deservingly among the best credit repair companies in NJ. 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

The Credit People
The Credit People

Best for Credit Score Improvement in 60 Days

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  • BBB Rating: C+
  • Years In Business: 11 (est. 2010)
  • 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 among the top-rated credit repair companies on our 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 setup 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 Credit People could be safely placed among the cheap credit repair companies because it also 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, credit repair agencies reviews confirm that The Credit People is the top choice for many people.

Read the Full The Credit People Review

Lexington Law
Lexington Law

Best Discounts Offered

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  • Military personnel, veterans, students and couples discount (50% on first work fees)
  • BBB Rating: C
  • Mobile App
  • Credit Repair Program Duration: 6 months
  • Years In Business: 17 (est.2004)
  • Free Credit Consultation

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 credit repair fees for the first work. 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

CreditRepair.com
CreditRepair.com

Best for Fast-Tracked Credit Repair

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  • 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 its 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 point 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

CreditRepair.com offers three service plans, Direct, Standard, and Advanced. 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.

Direct

This is a basic plan that includes $25 in ID protection, three creditor interventions to all credit bureaus, and full-time monthly credit monitoring.

Standard

The standard plan includes $25 in ID protection, six creditor interventions, and full-time monthly credit monitoring.

Advanced

With this plan, you get $1 million in ID protection, eight creditor interventions, and full-time credit monitoring.

Its pricing model couldn’t be simpler. There is a once-off fee of $14.99 used to obtain your credit reports from the three credit reporting agencies for the Direct and Standard Plan. After that, you’ll be charged either $69.95 or $99.95 per month depending on the plan. There are no additional fees. The initial fee for the Advanced Plan is $4.95 and the monthly subscription comes at $119.95.

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

CreditFirm.net
CreditFirm.net

Best for On-Demand Assistance

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  • Affordable monthly fees
  • Cancelations available anytime
  • Provides 24/7 customer support
  • No financial credit repair tools available
  • Not BBB accredited

CreditFirm.net is a privately-owned company from Texas. It was founded in 1997 which means it’s one of the top credit repair companies that will provide excellent services. Credit.Firm.net offers one repair plan with no extra add-ons such as budgeting tools which may be ideal for those who want straightforward services.

Services and Packages

For $49.99 a month you get one plan that is designed solely to repair your poor credit. With the monthly service fee, you can change items on your credit report. Additionally, CreditFirm.net will provide goodwill letters and debt validation letters on your behalf.

Customer Service

CreditFirm.net offers 24/7 customer services so if you need on-demand assistance you can contact the company online. To get your free consultation you can apply for CreditFirm.net’s assistance on their website. What’s more, you can easily sign up for the company’s services on their site.

In a Nutshell

With CreditFirm.net you get one credit repair package that’s affordable and helps you improve your credit score without any complicated tools. It’s ideal for people who need straightforward credit consultation. This credit repair company also gives a discount to couples of up to $10 a month to help those who need to save money.

Sky Blue Credit
Sky Blue Credit

Best Credit Repair for Couples

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  • Years In Business: 32 (est.1989)
  • 90-days money-back guarantee
  • Free Credit Consultation
  • Couples discount ($119 per month)
  • BBB Rating: C
  • Mobile App
  • Credit Repair Program Duration: 1 to 6 months

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 as the best fast credit repair due to its 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 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 its customer service is Best in Class. Its generous couples discount is also hugely attractive. What makes Sky Blue stand out 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

Ovation Credit Repair
Ovation Credit Repair

Best Reputation Credit Repair Company

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  • Couples discount (20%) and senior citizens, active military personnel and veterans (10%)
  • Credit Repair Program Duration: 3 to 6 months
  • Years In Business: 17 (est. 2004)
  • Free Credit Consultation
  • BBB Rating: A+
  • 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

  • Offers free assessments
  • Doesn’t require upfront fees
  • 100% money back guarantee
  • Excellent online security
  • Services are not free
  • Sometimes doesn’t respond to phone calls

Pyramid Credit Repair is one of the best credit card repair companies on the market. The company has been in the industry for 8 years now and since its inception has employed over 273 people. This company has effective repair strategies to help consumers take control of their finances.

Services and Packages

When you select Pyramid Credit Repair to assist with optimizing your credit scores, the company will do a free assessment. The employees will assist you in obtaining your 3 Bureau Credit Reports. You’ll be assigned to a Personal Accounts Manager to assist you with your requirements.

Pyramid Credit Repair offers a reliable platform with a customized plan to help you rebuild poor credit. During the process, you’ll have complete access to a customer dashboard. All your information will be captured on your personal dashboard and you’ll have a credit score tracker.

For individuals, the credit repair cost is $99 per month and for couples, it’s $198 a month. Pyramid Credit Repair offers a 100% money-back guarantee and you can cancel the services any time you want. Another advantage is that it offers 24/7 protection of your identity and credit score for $29.99/mo and you can have a trial for $1 only.

Customer Service

If you’re having any problems with Pyramid Credit Repair’s services you can contact customer support from Monday to Friday between 9 am and 12 pm by phone.

In a Nutshell

Every Pyramid Credit Repair review says that this is a low-cost credit repair service that has the best analysis and budgeting tools. You can use these tools to keep track of your credit scores and to ensure you don’t fall into financial traps in the future. It’s easy to sign up for the company’s service and they offer extensive identity theft protection.

60 Day Credit Repair
60 Day Credit Repair

Fastest credit repair claimed

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  • Positive customer reviews
  • 100% money-back guarantee
  • Offers free assessments and consultations
  • C+ BBB rating albeit no BBB accreditation
  • The pricing model is not disclosed on the company’s website

Being one of the best credit fixing companies is a tough job, but 60 Day Credit Repair stays afloat. During the past four years in business, this company has built a reputation for fast and highly efficient credit repair, as well as funny and motivational memes on Instagram and Facebook.

Services and Packages

Neither packages nor specified services are disclosed on the company’s website. Some customer reviews mention roughly $400 for two to three months of file disputing. Still, since the company is dedicated to personalized credit fixing, the exact amount will depend on your overall situation. However, they boast of twelve times faster credit fixing thanks to the specific proprietary process. Such a process is applicable to the myriad of problems one faces: late payments, bankruptcy, inaccurate accounts, repossession, liens, foreclosures, or even errors on child support entry.

Customer Service

You can reach 60 Day Credit Repair via email or phone at any time of the day. Additionally, you can send them a direct message on Instagram or Facebook.

Pros

✔️ Efficient proprietary process

✔️ Free consultation and assessment

✔️ Promos advertised on social media

✔️ Fast-track credit repair

Cons

❌It is unclear what credit repair services are offered exactly

❌The business is not BBB accredited

In a Nutshell

Although this company doesn’t qualify for having the best credit repair site due to the lack of details and education resources, it certainly has exceptionally positive customer feedback. In particular, its employees’ friendliness, efficiency, and productivity make the 60 Day Credit Repair stand out in the crowd.

What to Look for When Choosing the Best Credit Repair Company

While suited for all credit repair seekers, not all credit repair companies are created equal. Bear in mind the following factors when signing the contract with a credit repair service:

Verified reviews

The guarantees the repair company offers should not be taken at face value, but rather with a dose of skepticism. Every business tends to sell overstatements but user online reviews and testimonials may help you see its performance more objectively and disclose a certain company’s credit repair pros and cons. Check out organizations that rate companies to improve the trust between consumers and businesses such as BBB, BestCompany.com, and ConsumerAffairs.com, or read about the customers’ experience on Reddit, Yelp, and others.

Pricing model

The prices for the best online credit repair services in bundles vary widely from one credit repair company to another but they are never charged up-front. Shun low cost credit repair services that charge you for every submitted dispute at each bureau individually (and there are three of them) as well as the ones charging high one-off fees to have your credit reports reviewed with meticulous attention. Thus, cheap credit repair services may not be so cheap after all as their fees amount to a four-digit figure.

Features

One of the most important factors to consider is the number and frequency of disputes the repair company will file for you. Counseling services and engaging with creditors and collection agencies are an invaluable part of the credit repair package. Credit repair prices are also a winning factor when making a choice of the best company for credit repair which is highly dependable on the included features. Yet, if you have a severely damaged credit file, you may want to pay a bit more for unlimited disputes as the repair process might take longer.

How to Avoid a Credit Repair Scam

Credit repair companies are just like any other business. While some of them can turn out to be iffy companies inclined to frauds, others are reliable, top-rated credit repair services. Here are some tips about how to steer clear from fraudulent businesses:

  • Know your rights

You must know your rights under the Fair Credit Reporting Act (FCRA). You have the right to know what is in your file and obtain all the information about you in the files of a consumer reporting agency so the credit repair agency must not conceal any information from you.

  • Verify the legitimacy of the credit repair agency

Check with the National Association of Credit Services Organizations (NACSO) to verify the legitimacy of the credit repair agency. Legitimate credit repair companies should be accredited by national credit services organizations.

  • Compare the pricing models and read the Terms and Conditions

Visit the official website of a credit repair agency of your choice and carefully read the pricing models. Read their Terms and Conditions and make sure they are consistent with what is offered on their website.

  • Read online reviews

Do some online research about the company and look for mentions on social media or customer reviews on forums and review websites.

  • Compare credit repair offers from multiple sites

Compare their offer with other affordable credit repair services by other companies. If they look too good to be true, they most probably are.

  • Not every dispute can be won

Choosing the best company to help you repair credit also means being aware of their limitations. Doubt the emphasized possibility of settling a dispute over a charged-off account in your favor using a legal method. Bear in mind that while there are ways of repairing damaged credit, not every dispute can be won.

  • There isn’t something like guaranteed credit repair services

Question the company’s claim of being able to erase all negative information from your credit file. Take precaution with credit fixing services that offer to remove negative information with a 100% guarantee.

  • Never pay in advance

Avoid companies that ask for payment in advance for the service. It is considered illegal pursuant to the Credit Repair Organizations Act.

Planning to get a loan? Read more about finding legitimate lenders.

DIY Credit Repair Tips

A poor credit score can be an immense impediment in your financial life resulting in rejected bank loan applications, ineligibility for no interest credit cards, head-spinning interest rates on those few loans with guaranteed approval, and more. Yet, provided that you have some extra spare time and the know-how to repair credit, there is no need to feel distressed. These DIY credit repair tips will give you some relief.

Make an assessment of your credit balance

You are probably aware of what exactly has impacted your score (defaulted on a personal loan or missed a payment). Therefore, check your credit score online and review your credit report. Think about possible remedies for getting out of debt and about what has the priority of being sorted out first without hiring legitimate credit repair companies to do that on your behalf.

Dispute incorrect records

While looking over your credit reports, you might pinpoint a misplaced wrench in your financial machine that has lowered your credit score. The errors could range from having duplicate accounts or having erroneous data of an inaccurate late payment or even an inexisting debt. Pursuant to consumer credit laws, you can send a dispute letter to one of the three accredited credit reporting bureaus (Equifax, Experian, and TransUnion) asking for verification of the incorrect information. If this is not resolved in a positive way, you can still try to fix your credit score by turning to the Consumer Financial Protection Bureau with a complaint.

Pay your debts

To get back on track and start paying out the debts on time and fix your credit score, you need to cover the existing ones first. There are two ways to start paying them off with different advantages:

  • The debt snowball method advises paying off the smallest balance first irrespective of the interest rates and thus not being burdened with high installments.
  • The debt avalanche method suggests paying off the debt with the highest interest although that might not be your highest debt.

Once your debts are settled, the cost of credit repair services won’t seem that high, either.

Consolidate your debt

In case your outstanding debts have extremely high-interest rates, it might be a good idea to take out a loan in order to pay off all existing debts together and get your finance right back on track. There is a high chance that debt consolidation will improve your credit score and you will break free from any punitive interest rate on your old debts. Set payment reminders to refrain from defaulting on your new debt and looking for the best credit rebuilding company soon.

Chaffer with lenders

Top credit repair services include haggling with lenders about your debt so why not use their tactics. Negotiation with the lenders may have a favorable outcome as both goals will be met – they will get their money while you will erase your debt along with your negative credit history. The debt management plan you offer them with adjusted payments or lower total outstanding amount might be settled eventually.

Make use of credit repair software

The best credit repair software for professionals can be as good as any credit repair online software that comes at a low subscription or one-time purchase, or sometimes even at no cost. There is software that is customized to closely observe your credit, track credit score changes, provide scenarios with possible outcomes if certain financial decisions are made, or suggest ways out of your negative credit trap. Using the credit repair software that satisfies your needs will guide you on the road to financial recovery.

Take a consultant’s advice

If you are unable to sort out your financial difficulties and/or would like to shun contacting companies that fix your credit in the future, resort to legitimate credit counseling services. Considering your monthly income and costs, they can provide you with a tailor-made loan management plan so that next time you apply for a loan there will be no “derogatory remark” uttered about you by the creditors nor a derogatory mark lingering on your credit report. Remember that negative items “remove” creditworthiness.

Our tip

Set your priorities straight and think about whether taking out a superfluous loan is indispensable for you. Another idea is to keep your credit card balance low to refrain from excessive spending. And finally, don’t be a person with more money than sense – don’t borrow and spend more than you can repay and turn yourself into a fast credit repair services regular. If you’re going to borrow, at least get to know about credit builder loans. The above-mentioned alternatives to using credit repair companies are feasible methods of maintaining clean credit history provided that you have more free time and less money to spend on third-party services.

Compare Credit Repair Companies

Company Name BBB Rating Years In Business Free Credit Consultation  Credit Repair Program Duration Refund Policy/Money-Back guarantee Discounts Mobile App
Credit Saint A+ 16 (est.2004) Yes  Unspecified  90-days No set discounts – only occasional  No
The Credit People C+ 10 (est.20010) Yes  45 to 60 days 6-month  Couples ($20 off first payment)  Yes 
Lexington Law C 16 (est.2004) Yes  6 months  6 months Active military personnel, veterans, students and couples (50% on first work fees) Yes 
CreditRepair.com D 23 (est.1997) Yes  4 months  No Couples discount (50%) Yes 
CreditFirm.net N/A 24 (Est. 1997) Yes 6 months No Couples discount (up to $10)
Sky Blue Credit C 31 (est.1989) Yes  1 to 6 months  90-days  Couples discount ($119 per month) Yes 
The Credit Pros A+ 11 (est.2009) Yes  60-days 90-days Couples discount ($100 added to the initial fee)   Yes 
Ovation Credit Repair A+ 16 (est.2004) Yes 3 to 6 months  No Couples discount (20%) and senior citizens, active military personnel and veterans (10%)  Yes
Pyramid Credit Repair N/A 8 Yes 45-60 days Yes No No
Sixty Day Credit Repair C+ 4 Yes 60 days Yes Unclear No

Wrap Up

And that’s a wrap! The purpose of our credit repair services comparison was to give you all the information you could possibly need. Now all that’s left for you to do is pick one of the top credit repair companies provided. 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

Are credit repair companies worth the cost?

In our opinion, yes, the credit repair company cost is worth it especially if you need a fast credit repair, hassle-free. 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 even though it may take a lot of time and effort.

How much do credit repair companies charge?

To answer how much do credit repair services cost is not easy. The starting fee ranges from $19 to $149 per month depending on the services you subscribe for. Set-up fees can range from $6.99 to $99, or more. Some companies charge a once-off fee (most often set at $100+) to obtain your credit reports from the three reporting agencies. Finally, cancellation fees might apply if you decide to opt out. 

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?

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

Are there any legit credit repair companies?

Credit repair companies are just like any other business. While some of them can turn out to be iffy companies, others are reliable. It should be clear from the company’s website what it can and cannot do for you. Doing some research prior to choosing a credit repair service and considering word-of-mouth recommendations will help you choose a legit company. 

What are the best credit repair companies?

A good credit repair company charges affordable fees for its services, reviews your credit reports, provides free credit consultation, and reaches out to the credit reporting bureaus to dispute incorrect information. The methods it uses to do so are compliant with the FCRA and most often, the packages offered include benefits, such as payment reminders, budgeting tools, prescription discounts, etc.

Can credit repair help with identity theft?

If you receive your credit reports from the three credit bureaus and notice accounts that you do not recognize, you may need to check whether you’ve become a victim of identity fraud. It is best to report it to the FTC Identity Theft Bureau and the credit bureaus to place a security freeze on your credit, which will prevent the fraudster from opening new accounts in your name. When you find suspicious items, write a letter of dispute for each of them and forward a copy to the police of FTC. Even the best credit repair companies cannot help you substantially with identity fraud, so you need to be careful and avoid fraudulent credit repair services not to fall prey to identity thieves. 

How much does 60 Day Credit Repair cost?

Although its pricing model isn’t published on the website, the company emphasizes that it doesn’t force monthly and annual fees. Instead, the customers pay for tangible and tailored actions on the company’s behalf. For example, some customer reviews mention less than $400 for a substantial boosting of their credit scores within two to three months.