13 Best Credit Repair Companies of 2022

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Is your credit score low? Do you have a looming mistake on your credit report? Credit repair companies bring years of experience to the table to help you fix your credit.

Taking matters into their own hands, the best credit repair company will help you identify inaccuracies on your credit report, file disputes, and fight (tooth and nail) with the three major credit bureaus.

This level of care and attention to detail is why thousands of Americans rely on credit repair companies to fix their credit.

If you are ready to take back your credit, then check out our guide on the best credit repair companies of January 2022. We cover the nitty-gritty details you need to know.

Summary of the Best Credit Repair Companies

  • BBB Rating

The Best Credit Repair Companies: Fees & Services Analyzed

Best Overall Credit Repair Company
Credit Saint Credit Repair
On Credit Saint's Secure Website
Credit Saint
  • Monthly Fee
  • First Work Time
    45 Days
  • Learn More
  • Credit Repair Details

Credit Saint is the best credit repair company with proven results to back up their claims and affordable packages.

Credit Saint prides itself on its level of transparency and personalized services. As a customer, you get a personalized dashboard to track progress, exclusive access to an advisory team and helpful resources teaching you along the way.

On your behalf, Credit Saint will challenge bankruptcies, negative items, identity theft, charge-offs, repossessions, and late payments with all three major credit bureaus. They do this by reviewing your credit report (line-by-line), identifying inaccuracies, drafting tailored dispute letters, and following up with the credit bureaus weekly.

Credit Saint offers three credit repair packages: Credit Polish, Credit Remodel, & Clean Slate.

Clean Slate (Most Popular)Credit RemodelCredit Polish
Most AggressiveAggressiveAggressive
Unlimited DisputesUp to 10 Monthly DisputesUp to 5 Monthly Disputes
Credit MonitoringCredit Monitoring No Credit Monitoring
Credit Score AnalysisCredit Score AnalysisCredit Score Analysis
Creditor InterventionsCreditor InterventionsCreditor Interventions
Inquiry TargetingInquiry Targeting

>> More: Credit Saint Review

Best Credit Repair Company for Simplicity
Sky Blue Credit Repair
On Sky Blue Credit Repair's Secure Website
Sky Blue Credit Repair
  • Monthly Fee
  • First Work Time
    35 Days
  • Learn More
  • Credit Repair Details

Sky Blue Credit Repair offers high-quality customer service, straightforward pricing, and fast results. You do not have to worry about upgrading or paying more for premium results.

Their straightforward flat monthly Fee includes all the bells and whistles. Sky Blue Credit Repair will request credit reports from all three credit bureaus and immediately sift through them line-by-line, identifying negative items ripe for removal.

Sky Blue will send up to 15 disputes, 5 per credit bureau. While they do not offer unlimited disputes, they ensure each dispute is custom-tailored to your unique credit situation.

Besides removing negative items from your credit report, Sky Blue also assists with debt validation, goodwill letters, debt settlement, and cease and desist letters.

Additionally, throughout the process, Sky Blue will send you tailored advice to help you optimize your credit score and rebuild your credit. This level of care and attention to detail is hard to find.

And if you are not sure, take advantage of the free consultation that they offer. This is a chance for you to speak directly to a representative, who will be able to answer your questions and share more about the services they offer their clients.

What’s included in the Sky Blue Credit Repair Package:

Faster Disputes: 15 Items Every 35 Days
Pro Analysis:Expertly Identifies Negative Items to Dispute
Custom Disputes: Tailored Letters to Creditors
SOL Research: Researches, Complies, & Leverages State Laws to Thwart Debt Collectors
Score Assistance:Actionable Steps for you to take
Credit Rebuilding:Tailored Guidance to Help You Rebuild Your Credit
Debt Validation:Verify & Challenge Your Debt
Goodwill Letters:Straightforward, Tailored, & Customized
Cease & Desist:Tell Debt Collects to Stop Contacting You

>> More: Sky Blue Credit Repair Review

Best for Legal Expertise
Lexington Law Credit Repair
On Lexington Law's Secure Website
Lexington Law Credit Repair
  • Monthly Fee
    $89.95 - $129.95
  • First Work Time
  • Learn More
  • Credit Repair Details

Lexington Law is a licensed law firm that specializes in fixing your credit. Utilizing patented credit repair services and their team of lawyers, Lexington law breaks down the process into four steps:

  1. Credit Report Analysis: They will create a tailored game plan to help you remove negative items.
  2. Credit Disputing: Lexington Law will file a formal dispute with all three credit bureaus on your behalf.
  3. Dispute Escalating: Lexington Law will escalate disputes if need be to ensure your credit rights are represented to their full extent.
  4. Credit Score Analysis and Mentoring: As a customer, you get 24/7 access to their online portal to review various educational resources and monitor Lexington Law’s progress.

On your behalf, they will help dispute tax liens, late payments, foreclosures, collections, judgments, and charge-offs.

Lexington Law offers three credit repair packages: PremierPlus (Most Popular), Concord Premier, & Concord Standard.

PremierPlusConcord PremierConcord Standard
Bureau ChallengesBureau ChallengesBureau Challenges
Creditor InterventionsCreditor InterventionsCreditor Interventions
Score AnalysisScore Analysis
TransUnion® AlertsTransUnion® Alerts
Cease & Desist Letters
FICO® Score Tracker
Identity Protection
Personal Finance Tools

>> More: Lexington Law Review

Best Credit Repair Company for Long-Term Plans
The Credit People Credit Repair Company
On The Credit People's Secure Website
The Credit People
  • Monthly Fee
  • First Work Time
    45 Days
  • Learn More
  • Credit Repair Details

The Credit People meet the needs of consumers who want long-term credit repair with a robust 6-Month plan, user-friendly online portal, and straightforward pricing.

After you sign up, an expert from their team will review your credit report and identify which negative items are hurting your credit score the most. Fortunately, you get unlimited disputes

The Credit People will diligently challenge and dispute late payments, identity fraud, bankruptcies, foreclosures, student loans, charge-offs, collections, repossessions, and more.

Like most credit repair companies, they provide you with a robust online portal to monitor progress, talk to representatives (9AM – 5PM Mon to Fri), and ask questions.

However, it is important to note that their refund policy differs from the previous companies listed above. Think of it as a “pay to play” scenario. You’ll only receive a refund if The Credit People fails to remove a negative item from your credit report.

>> More: The Credit People Review

Best for Simple Credit Repair
On Creditrepair.com's Secure Website
  • Monthly Fee
    $69.95 - $119.95
  • First Work Time
    35 - 60 Days
  • Learn More
  • Credit Repair Details

With over 22 years of experience, Creditrepair.com brings forth candid advice to simple and quick credit fixes. They offer three-tiered credit repair packages loaded with features (some necessary, others not so much).

Creditrepair.com implement a 3-step process, which we refer to as their “3C strategy.” Here is how it works.

  1. Check: Pull your credit reports and review it.
  2. Challenge: Communicate and file disputes with all three credit bureaus.
  3. Change: They will ensure the items challenged are removed from your credit report.

Apart from filing disputes and removing negative items from your credit report, Creditrepair.com will educate you throughout the entire process. They are not a faceless brand but a credit repair company that ensures you do not make these mistakes again.

Customer service representatives are available from 7 AM to 7 PM MST Monday through Friday. These credit experts will help you with any account issues you run into and will answer your questions.

Below are the three-tiered packages offered by Creditrepair.com:

Disputes 8 Negative Items Per MonthDisputes 6 Negative Items Per MonthDisputes 4 Negative Items Per Month
Goodwill InterventionGoodwill InterventionGoodwill Intervention
Credit Score UpdatesCredit Score UpdatesCredit Score Updates
TransUnion Credit MonitoringTransUnion Credit MonitoringTransUnion Credit Monitoring
Inquiry AssistsInquiry AssistsInquiry Assists
FICO® Score AssistanceFICO® Score Assistance
Cease & Desist Letters

>> More: Creditrepair.com Review

Best for Affordability
Creditfirm.net Credit Repair
On Creditfirm.net's Secure Website
  • Monthly Fee
  • First Work Time
    90 Days
  • Learn More
  • Credit Repair Details

Creditrepairfirm.net is the cheapest credit repair company for consumers. However, do not expect tailored plans, handy resources, or a user-friendly online portal to track your progress.

Touting an A- rating from the Better Business Bureau, Creditfirm.net offers unlimited disputes to all three credit bureaus and provides you access to their in-house legal team. That said, you are better off going with Credit Saint or Sky Blue Credit if you want a personalized approach and a little more hand-holding.

Additionally, Creditfirm.net does not pull your credit report. They expect you (the consumer) to do it and forward them a clean copy. This is one extra step to add to your laundry list of “to-do” tasks.

>> More: Creditfirm.net Review

Best Credit Repair Company for Technology
The Credit Pros
On The Credit Pros's Secure Website
The Credit Pros
  • Monthly Fee
    $69 - $119
  • First Work Time
    90 Days
  • Learn More
  • Credit Repair Details

The Credit Pros taps into the true power of Artificial Intelligence and analytics to safely repair your credit. However, their services are limited, so double-check that they can actually help you.

Offering three credit repair packages, The Credit Pros will assist you in challenging inaccurately reported items on your credit report, drafting dispute letters, and filing them with all three credit bureaus. Select packages come with TransUnion Credit Score Updates, SlashRX discount programs, and complimentary credit consultations.

The Credit Pros make it easy to track your progress with an intuitively designed dashboard available online and on iOS and Android Phones. Customer Service representatives are available Mon. to Fri. from 9AM to 8PM daily.

Here are the three packages in detail: Money Management, Prosperity Package, & Success Package.

Success PackageProsperity PackageMoney Management
TransUnion Credit ScoreTransUnion Credit ScoreTransUnion Credit Score
TransUnion Credit Monitoring TransUnion Credit Monitoring TransUnion Credit Monitoring
Free Credit ReportFree Credit ReportFree Credit Report
DarkWeb MonitoringDarkWeb MonitoringDarkWeb Monitoring
Change of Address MonitoringChange of Address MonitoringChange of Address Monitoring
SSN Monitoring SSN Monitoring SSN Monitoring
Slash RxSlash Rx
National Credit Direct

>> More: The Credit Pros Review

Best for Identity Theft
Credit Glory Credit Repair
On CreditGlory's Secure Website
CreditGlory Credit Repair
  • Monthly Fee
  • First Work Time
    90 Days
  • Learn More
  • Credit Repair Details

CreditGlory is one of the best credit repair companies because they help consumers challenge fraudulent activity and identity theft with all three credit bureaus.

What separates CreditGlory from the other credit repair companies is that you have to do a lot of the heavy lifting. Most credit repair agencies will at least pull your credit report. Credit Glory will not. This alone is a hassle and is a reason why you should look elsewhere.

That said, CreditGlory is still a viable option if you are fine with doing some of the work. They will help you identify negative items on your credit report, file disputes, and provide tailored credit rebuilding guidance.

>> More: Credit Glory Review

Best Cancellation Policy
Ovation Credit Repair
On Ovation Credit's Secure Website
Ovation Credit Repair Services
  • Monthly Fee
    $79 - $109
  • First Work Time
    90 Days
  • Learn More
  • Credit Repair Details

Owned by LendingTree, Ovation Credit Services offers a liberal cancellation policy and robust credit repair services. However, you will get a better bang for your buck with another credit repair company. From credit repair to credit monitoring and everything in between, Ovation Credit appeals to consumers looking for an all-inclusive service.

Once you sign up for either plan, Ovation Credit Services will assign you a personal case advisor who will help you identify inaccurate items on your credit report and file disputes with all three major credit bureaus.

Additionally, the Essentials Plus Plan comes with a personalized letter that you can use with lenders. This exclusive feature allows you to lock in a loan or mortgage at a lower interest rate. But again, this is never a guarantee.

Here are the two plans (side-by-side):

Essentials Plus PlanEssentials Plan
Complimentary Free Consultation Complimentary Free Consultation
Personalized Credit DisputesPersonalized Credit Disputes
Personal Case AdvisorPersonal Case Advisor
Unlimited DisputesLimited Disputes
Goodwill Letters
TransUnion Credit Monitoring
Official Ovation Recommendation

>> More: Ovation Credit Services Review

Best Credit Repair Company for Married Couples
Pyramid Credit Repair Service
On Pyramid Credit Repair 's Secure Website
Pyramid Credit Repair
  • Monthly Fee
  • First Work Time
    45 Days
  • Learn More
  • Credit Repair Details

With Pyramid Credit Repair, you get a dedicated account manager who you can text, call and email throughout the entire process. This account manager is a credit restoration expert who can answer all of your pressing questions.

This level of devotion to you – their loyal customer – is hard to beat. On your behalf, Pyramid Credit Repair will help you craft valid dispute letters and handle all correspondence between you and your creditor/the credit bureaus.

After you sign up, Pyramid Credit Repair employs a three-step process to kick start your credit repair journey. The first step is a free credit consultation, where they will introduce you to their service and offerings.

Next, Pyramid Credit Repair will assign you a dedicated account manager who will help you dial in on your unique credit repair strategy and review your credit report.

And finally, after you both agree on a strategy and which negative items to dispute, your dedicated account manager will file a detailed dispute with all three credit bureaus.

>> More: Pyramid Credit Repair Review

Best for Complex Credit Repair Issues
Credit Assistance Network
On Credit Assistance Network's Secure Website
Credit Assistance Network
  • Monthly Fee
  • First Work Time
    45 Days
  • Learn More
  • Credit Repair Details

Credit Assistance doesn’t just repair your credit. They also provide tailored identity theft restoration solutions, security clearance assistance, and one-on-one guidance.

From filing disputes with all three credit bureaus to help you deal with your ex-wife/ex-husband and everything in between, they do it all.

Once you sign up, they will assign you a trained credit consultant who will review your credit report line-by-line, identify negative items, and file disputes with the major credit bureaus.

Instead of using software to draft your dispute, the credit repair consultant will manually draft each letter. This allows them to personalize each letter, which will bolster your chance of removing the negative item.

You can save money if you sign up with a family member, friend, or spouse. However, only do this if they need to repair their credit as well. Otherwise, you will be throwing money out the window.

>> More: Credit Assistance Network Review

Best Credit Repair Company for Education
AMB Credit Consultants Credit Repair
On AMB Credit Consultants 's Secure Website
AMB Credit Consultants
  • Monthly Fee
  • First Work Time
    6 Months
  • Learn More
  • Credit Repair Details

AMB Credit Consultants prioritizes education while simultaneously helping you remove items from your credit report that are dragging down your credit score. Throughout your time with AMB, they will audit your credit report, advise on a strategic game plan to remove errors, provide you with financial resources, and will take action to help you improve your credit.

While there are no tiered services, AMB Credit Consultants requires a six-month commitment, and you need to purchase a credit monitoring subscription through IdentityIQ, which will cost you an additional $29/Month.

As a client, you can speak to a customer service representative Monday through Friday from 8:30 AM to 5:30 PM. You can also reach them by phone, email, or social media (Instagram, Twitter, & Facebook).

>> More: AMB Credit Consultants Review

Best Credit Repair Company for Debt Consolidation
Pinnacle Credit Repair
Pinnacle Credit Repair
  • Monthly Fee
  • First Work Time
    15 Days
  • Learn More
  • Credit Repair Details

Pinnacle Credit Repair is a more expensive option; however, it is well-suited to help those considering debt consolidation or are applying for a personal loan. Their fast-track program ($1,500 ☹) is powered by Artificial Intelligence and to date has an 80% deletion rate within the first 15-days. Pinnacle Credit Repair also provides customers with a 120-day satisfaction guarantee if you enroll in their fast-track program.

>> More: Pinnacle Credit Repair Review

Who is the Best Credit Repair Company?

The best credit repair company is Credit Saint. They are a clear industry leader with favorable customer reviews, years of experience, helpful resources, and an A+ rating from the Better Business Bureau. Above all, Credit Saint is known for its standout customer service, results, and personalized approach to credit repair.

What is Credit Repair?

Credit repair is when you or a credit repair service follows the necessary procedures to dispute negative items on your credit report.

Credit repair involves challenging negative items such as late payments, identity thefts, charge-offs, repossessions, bankruptcies, collections, and more.

Repairing your credit is a long process but can help you in the long run if you are trying to refinance a loan or are applying for a new credit card.

What Can Credit Repair Companies Do?

A credit repair company can challenge negative items on your credit report and help you restore your credit. They interact directly with each credit reporting bureau to dispute errors on your credit report and improve your credit score.

Above all, they know the consumer credit laws and provide the necessary structure and expertise you need to successfully challenge a negative item on your credit report.

In general, a credit repair company can help you challenge:

Credit repair agencies are a jack of all trades. They are experts and will help you fix your credit.

What Can Credit Repair Companies Not do? 

While the best credit repair companies can fix your credit, interact with the credit bureaus, and offer you robust educational resources, they can’t do everything. Here are what credit repair companies cannot do:

  • Mislead Consumers: Credit repair agencies can’t promise results. This is against the law, and if a company does promise results, make sure to report them to the FTC.
  • Make False Credit Statements & Charge a Cancellation Fee
  • Can’t offer you any repair services that you can’t do on your own
  • Encourage you to apply for a new Social Security Number or Tax Identification Number: This is known as tax fraud and is punishable under the US Judicial System.

The Credit Repair Organization Act (CROA) protects consumers from misleading credit repair companies. Ultimately, credit repair companies only do things that you can do yourself.

However, this takes a lot of time and requires learning the credit repair industry from top to bottom. Credit repair companies simply speed up the process and ensure you make no mistakes.

Can You Really Pay Someone to Fix Your Credit? 

While there is no “quick fix” when it comes to repairing your credit, your best bet is to hire one of the best credit repair companies. They bring experience, helpful strategies, and (sometimes) a team of legal experts to the table.

How Do Credit Repair Companies Work?

Credit repair companies follow a subscription-based model. This means they will follow the necessary steps to repair your credit if you continue to pay their monthly Fee.

They will sift through your credit report (line-by-line), identifying negative items that are ripe for removal and errors ready for dispute. On your behalf, they will handle all correspondence with the credit bureaus, file disputes, remove negative items, and take care of the entire credit repair process. To do this, they use the Fair Credit Reporting Act (FCRA), Fair Credit Billing Act, and the Fair Debt Collection Practices Act (FDCPA) to their advantage.

How Much Does Credit Repair Cost? 

The average price of credit repair ranges from $69 to $200 per month. You can expect to pay an upfront fee (known as the setup fee) and a monthly fee after that.

Each credit repair firm has its own unique packages and uses different metrics to charge customers, so the cost of credit repair varies.

Take note that some credit repair companies will charge you for each item removed, or they will offer additional services to those who pay more. This may include unlimited dispute letters, exclusive credit resources, and around-the-clock customer service. You know your budget. Make sure you choose an affordable company. The last thing you want to do is incur more debt.

Are Credit Repair Companies Worth the Cost? 

If you are someone who values your time and understands the severity of repairing your credit, then working with a credit repair company is 100% worth the cost.

Here is why we think credit repair companies are worth the cost:

  • Timely Results: Most consumers can see results within 30 to 60 days.
  • Expert Insight: Most credit repair services employ FICO credit professionals.
  • Industry Experience: Have you worked in the credit repair industry? Didn’t think so. Repairing your credit is not easy. It requires knowledge and skill, both of which are possessed by credit repair companies.

They will make sure you file disputes (properly), remove negative items, and follow up with the three credit bureaus or collection agencies. In other words, they will offer you professional advice and will handle the entire process – leaving you worry-free.

How to Choose and Compare the Best Credit Repair Companies

Partnering with the best credit repair company boils down to five key factors: Price, Industry Reputation, Results, Customer Service, & Safe.

#1. Price of Credit Repair Service

Like all services, you deserve the best price. Trust me, credit repair companies know they need to charge a fair price, especially when dealing with customers struggling financially due to their low credit scores.

You want to choose a credit repair agency that aligns with your financial budget and will deliver. After all, you are paying them to improve your credit score and overall credit health. This is no small task.

The majority of the companies listed above offer a 90-day money-back guarantee, which is great! This highlights their Commitment to you and shows how confident they are when improving credit scores.

#2. Industry Reputation

Whether you go with a firm that has been around for 30 years or a new technology-infused company, you want to make sure they have a strong reputation in the credit industry.

A great place to check is with the Better Business Bureau or Trustpilot. These two websites are a good stamp of approval and should help you narrow down your choices from our list of the best credit repair companies.

However, the companies that made our coveted list all command favorable reviews from both the BBB and TrustPilot. We did the work for you.

#3. Results

We all like to see great results. However, what is a good result when it comes to working with a credit repair company? The answer to this question varies depending on how many errors or negative items your credit report shows. Obviously, the more negative credit items you can fix means the more your credit score can improve.

#4. Customer Service

Majority of the credit repair companies we highlighted today offer a free credit consultation. This is the best time to feel out how their customer service is going to be. After all, you will be in direct contact with the company you choose regularly. Make sure you choose a company that has flexible office hours, so they can answer any question you have.

Additionally, make sure your credit repair company offers an online dashboard and has a live chat feature, so you can receive real-time updates and ask questions.

#5. Safe and Secure

You want a credit repair company that is insured and implementing the best cybersecurity practices. Why? They deal with personal information, and you want to ensure your data is protected, encrypted, and safeguarded.

Are There Legitimate Credit Repair Companies?

Yes, there are legit credit repair companies. As a consumer, you must do your research beforehand to ensure you avoid a credit repair scam. A legit credit repair company will not charge you a massive upfront fee and won’t promise you results.

Legit credit repair companies possess:

  • Valuable Industry Experience
  • BBB Accreditation
  • Transparent Pricing
  • Proven Results
  • Helpful Customer Service

The rampant rise of credit repair scams is the main reason why we created a list of the best credit repair companies. It is not fair for consumers to have the wrong information.

How to Avoid a Credit Repair Scam

While we listed the best credit repair companies in this article, hundreds of small brands are out there on a mission to scam consumers. Their primary motivation is to get your social security number and credit card information, so they can commit financial fraud. Fortunately, it is easy to spot a credit repair scam. Here is what you need to look out for:

#1. No Professional Contact Information

A reputable credit repair company clearly lists its contact information. This includes an email that matches their specific domain name, not an email associated with @gmail, @aol, @yahoo, @outlook, or @hotmail. These are all email providers for personal use, not business use. Furthermore, a reputable credit repair company will list their phone numbers, offer client chat support, and provide office hours.

#2. Ugly and Poor Website Security 

Like all serious businesses, a legit credit repair company will have a professionally designed website that does not display ads. Additionally, the website will employ SSL security features, so in the domain, URL make sure it has https:// instead of http://.

#3. Guarantees Results 

Per Federal regulation, credit repair companies cannot guarantee customers specific results. If a credit repair company promises to raise your score 100- 150 points or wipe your credit completely clean, then stay away! This is a glaring RED FLAG and a tell-tale sign of a credit repair scam.

#4. Requires Upfront Payment 

It is important to note that a credit repair company can charge an upfront fee; however, they cannot charge one giant lump sum fee at the beginning. Again, this is enforced under Federal Law, and reputable credit repair companies know this.

#5. No Written Contract 

The best credit repair companies make their customers sign a written contract. This contract provides its customers with key information:

  • Scope of work
  • Length of contract
  • Total price
  • Contact information
  • Services provided
  • Detailed information on how to legally end the contract if you are not satisfied with the current results 

#6. Promises to Remove Accurate Information

By law, credit repair companies cannot remove accurate information from your credit report. This is illegal under both Federal and State law. Avoid this at all costs! A credit repair company cannot influence you to get a new Social Security Number, so they can open an entirely new credit file.

#7. Poor or Lack of Third-Party Reviews

Most credit repair companies are reviewed by the Better Business Bureau, CFPB, or TrustPilot. If a credit repair company approaches you and lacks reviews on both sites, they are most likely a scam.

#8. Fails to Inform You of Your Consumer Rights 

Reputable credit repair companies will clearly list out your rights under both Federal and State Law. In fact, most will have a specific section that outlines your rights.

While searching for the best credit repair company, if you come across a scam, make sure to report it to the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC). Both Government Agencies will investigate the scam and take punitive actions to stop this credit repair service from hurting consumers.

How can I repair my Credit?

There are two primary ways you can repair your credit. Either do it yourself, which is a long process, or you can hire a reputable credit repair company (we highly recommend this option).

Remember, most Americans are working Mon-Fri, have children, and enjoy downtime. Hiring a credit repair company allows you to focus on what matters – family & friends.

Additionally, credit repair services bring you peace of mind. Let them handle the nuances of interacting with the three credit bureaus or debt collectors. They know the language of the credit repair industry and will articulate your interests carefully.

Combine DIY with a Fee-Based Credit Repair Service

As we said, a credit repair company can only do things you can do yourself. However, this requires significant effort on your end and detailed knowledge of the credit repair industry. We recommend you combine a DIY approach with a credit repair service.

The first thing you need to do is get a clear picture of your credit profile. To do this, request your credit report.

Review your credit report line-by-line. On a separate sheet of paper or in a word document, write down any questions you have. No question is dumb. After all, this is your credit report, so it is important you know each item on it.

After you review your credit report, hire one of the best credit repair services listed above. Again, we recommend Credit Saint, but it is entirely up to you.

Now that you have a brief understanding of your credit report, you can ask questions throughout the process and be actively involved. Reviewing your credit report is not a one-time thing. Those with credit scores in the 800+ club review their credit report monthly. They are quick to react and dispute any negative items that appear. Here are a few good credit habits you can start forming today:

  • Pay Bills on Time: This is the single most important thing you can do. Just one late payment can severely hurt your credit score.
  • Limit Hard Inquiries: We all love to shop around for the best financial products; however, applying for too many loans or credit cards at once is not smart. Each application is accompanied by a hard inquiry which will decrease your credit score.
  • Accept Past Mistakes: Everyone makes mistakes. Accept it and move on. It is now time for you to take back your credit.

While there are certainly more habits you can form, these three are the best. This devotion is why they can apply for credit cards with the best rewards and receive loans with favorable interest rates.

How Long Does Credit Repair Take?

Most credit repair companies can repair your credit within 3 – 6 months. However, results will vary. The length it takes to repair your credit is entirely dependent on your unique credit situation.

What Credit Score Factors Do Credit Repair Companies Address?

Just to refresh your memory, your credit score is based on five factors: Credit Mix, Length of Credit History, New Credit, Payment History, and Credit Utilization. Here is how much “weight” they carry in your credit score.

  • Payment History:35%
  • Credit Utilization:30%
  • Length of Credit History:15%
  • Credit Mix:10%
  • New Credit:10%

Together, these five factors compile to generate your credit score. Credit repair companies primarily focus on payment history, credit utilization, and new credit. They will work with you to optimize your credit score.

Whether this includes removing late payments, hard inquiries, or teaching you best credit practices, the best credit repair companies have the expertise, tools, and resources to do just that.

Alternatives to Credit Repair Companies

Maybe the Fee is too much, or you do not feel comfortable partnering with a credit repair company. Fortunately, you still have options to improve your credit. Below are two credit repair alternatives that are worth looking into.

#1. Try Experian Boost 

Experian Boost is a FREE way to increase your credit score by 13 points or more (results vary per individual).

Backed and powered by Experian, this is the only free way to increase your credit score. If you are looking for a quick solution, then try Experian Boost. If you want to learn more about it, read our review.

#2. Purchase a Tradeline

The best tradeline companies make purchasing a tradeline easy. With a tradeline, you are added as an authorized user to another person’s credit account.

Essentially, you are piggybacking off of their good credit score to raise yours. This allows you to benefit from their positive credit habits, such as paying their bills on time and using their credit only when needed.

>> More: Tradeline Supply Review

#3. Consider Credit Repair Software

Like a credit repair company, credit repair software will help you repair your credit. However, this is best if you are fine with the ‘do it yourself’ approach.

Credit repair software acts merely as a ‘guide,’ it will not do anything on your behalf. So, if you decide to go this route, make sure you know what you are getting yourself into.

#4. Credit Counseling

If you are strapped for cash, then working with a certified credit counselor is an option. Credit counselors will help you review your credit reports, file disputes, and teach you good credit habits.

The best credit counselors bring first-hand experience to the table and passion. If you decide to work with a credit counselor, make sure they are certified by the National Foundation for Credit Counseling (NFCC).

The NFCC can help you with:

  • Debt Management Plans
  • Student Loan Counseling
  • Small Business Owner Financial Coaching (Designed for Entrepreneurs)
  • Credit Report Reviews
  • Homeownership Counseling
  • Reverse Mortgage Counseling
  • Foreclosure Prevention
  • Bankruptcy Counseling

Whatever you decide to do, make sure to avoid paying someone for credit counseling. There are hundreds of Nonprofits – like the NFCC – that will help you navigate your credit problems for free.

#5. Debt Consolidation

Another alternative to credit repair is debt consolidation. If you consolidate your debt into one single loan, you can potentially save hundreds or thousands of dollars each month.

The premise behind debt consolidation is simple. With just one loan payment, you will be more likely to pay it off. These consistent monthly debt payoffs will help you build up your credit history.

#6. Debt Settlement

Debt settlement companies will help you negotiate with your creditor. However, tread lightly with this alternative.

A ‘debt settlement’ can end up hurting your credit score if your credit card company or loan provider reports it to three credit bureaus as a charge-off

Do Credit Repair Companies Guarantee Results?

By law, credit repair companies cannot guarantee results. This is enforced by the Credit Repair Organization Act (CROA). From our research, most consumers can see positive results within 30 to 60 days. While this certainly isn’t an overnight fix, it is relatively quick and easy.

Is using a credit repair company legal?

Using a credit repair company is legal. In fact, millions of Americans have relied on their expertise to improve their credit score.

As a consumer, it is paramount you know your rights under the Fair Credit Reporting Act (FCRA) and the Credit Repair Organization Act. Both acts are there to protect you from credit malpractice and scams.

Is Credit Repair Legal in All 50 States?

Yes! In the United States, credit repair is legal in all 50 states. However, depending on which credit repair company you choose to work with, they may not be licensed in that state. Each state has specific guidelines, restrictions, and regulations that govern credit repair companies that operate within their legal territory.

Before you choose the best credit repair company, make sure they are licensed in your state. Each company lists where they operate on their website, so that is a great place to start.

What is the Fastest Way to Repair Your Credit?

The fastest way to repair your credit is by hiring a credit repair company. The best credit repair companies are efficient and timely from obtaining your credit report, reviewing it, and filing disputes.

Bottom Line: Best Credit Repair Companies

Look, partnering with the best credit repair company is a great way to improve your credit score. If you decide to repair your credit by yourself, expect to put in long hours. It is not easy. To make matters worse, a poor credit score will only thwart opportunities.

A good credit score will bolster your chances of applying for a new credit card, opening a checking account for bad credit, and obtaining the best interest rates. It is a win-win all around. We recommend you turn to a team of professionals who have the experience and resources to safely restore your credit.

Methodology: How We Reviewed the Best Credit Repair Companies

Our team of credit experts puts hours into curating the list of the best credit repair companies. We analyzed each company based on their BBB Accreditation, credit repair service offerings, industry experience, features, benefits, price, reputation, and customer service. Simplemoneylyfe relies on credible sources, rigorous product testing, and first-hand experience to support our rankings, analysis, and work. These sources include government reports, trusted government databases, white papers, academic institutions, expert interviews, and authoritative financial publications. Read more about our rating methodologies for credit repair companies and editorial guidelines.


Kim Pinnelli
Kim Pinnelli

Kim Pinnelli is a Senior Writer , Editor, & Product Analyst with a Bachelor’s degree in Finance from the University of Illinois at Chicago. She has been a professional writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Kim is committed to helping people take charge of their personal finance. Her areas of expertise spans mortgages, credit cards, credit, and loans.