Is your credit score low? Are you tired of paying an outrageously high interest rate on your loan or mortgage? What about being denied a credit card with great perks? Don’t worry, you are not alone. In fact, everyday millions of Americans are impacted due to their poor credit score, but guess what?
There are top rated credit repair companies who specialize in helping you improve your overall credit health. Backed by a team of credit experts, these companies work with you – individually – to increase your credit score, so you can live the financial life you deserve.
Before we dive in, let’s do a quick review.
What is Credit Repair?
Credit repair is when either 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, identifying 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 applying for a new credit card.
What Can Credit Repair Companies Do?
A credit repair service can challenge negative items on your credit report. They interact directly with the three credit bureaus to dispute errors and improve your credit score. These firms know the 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 will do the following:
- Improve FICO Credit Score
- Consult you about your Credit Report from either Equifax, Experian, or TransUnion
- Challenge Negative Items on your Credit Report (will send letters to both Collection Agencies and the Credit Bureaus)
- File Disputes on your behalf
- Fix Credit Errors
- Draft and Send Cease-and-Desist Letters
- Request and Obtain copies of your credit report from all three credit bureaus
- Identify Inaccurate Information on your Credit Report
Credit repair agencies are a jack of all trades. They are experts and will help you fix your credit.
Who is the Best Credit Repair Company?
While there are a few standout credit repair companies, our selection of the best credit repair company is Credit Saint. Touting a coveted A+ rating from the Better Business Bureau, superior customer service, proven results, and a 90-day cancellation policy, Credit Saint is the best credit repair company for 2020.
In this side-by-side comparison, we review the best credit repair companies (for 2020). From great customer service, to fair pricing, and everything in between, our team has rounded up the top credit repair companies, so you can take action today and improve your credit score.
8 Best Credit Repair Companies
- Credit Saint: Best Overall Credit Repair Company
- Lexington Law: Most Popular + Longest in Service
- Sky Blue Credit Repair: Best Mobile App
- The Credit People: Best Customer Service
- The Credit Pros: Best Technology
- Ovation Credit: Best for Couples
- AMB Credit Consultants: Best for Education
1. Credit Saint
With over 15 years of industry experience, Credit Saint makes it a top priority to remain transparent, be timely, and improve your overall credit health. As a customer, you get access to a personal advisory team, who will assist you throughout the entire process as you finally improve your credit score. Credit Saint can help you with bankruptcies, disputes, repossessions, and everything in between.
Prices & Credit Repair Packages:
- Credit Polish: $79.99/Month with a $99.00 First Work Fee
- Credit Remodel: $99.99/Month with a $99.00 First Work Fee
- Clean Slate: $119.99/Month with a $195.00 First Work Fee
Standout Features:
- 90 – Day Money Back Guarantee
- Expert Analysis & Recommendations
- Robust Online Account Profile that allows you track progress and analyze
- Unlimited Disputes
- Items Challenged: Late Payments, Identify Thefts, Charge-Offs, Collections, Bankruptcies, Repossessions, & Judgements
- Complimentary Phone Calls with their Expert Team of Professionals for Updates
- A+ Rating by the BBB
As you can see, Credit Saint is a sure shot way to improve your credit score if you are willing to commit. Like all things, it takes time and diligence to see change. The credit industry is no different. However, with a reputable firm like Credit Saint, you can expedite the time it takes to improve your credit well-being.
Results do not lie. Credit Saints has received countless awards within the industry, such as receiving an A+ from the Better Business Bureau. Their top notch customer service, standout customer reviews, and proven results are the reason why Credit Saint is the number one credit repair company in America. Without a doubt, Credit Saint is the best credit repair company.
Check out our Credit Saint Review.
2. Lexington Law
With over 500,000 satisfied customers, Lexington Law gets the job done. Their team of lawyers know how to navigate the law and put their clients first. As they tout and state on their user-friendly website, in 2017 their “clients saw 10 million negative items remove from their credit reports.”
Prices & Credit Repair Packages:
- PremierPlus: $129.95/Month
- Concord Premier: $109.95/Month
- Concord Standard: $89.95/Month
- All plans require a $6.99 set up fee
Standout Features:
- Robust Educational Resources
- Free Credit Report Consultation
- 50% Discount for Active Duty Military & Couples
- Extensive Knowledge & Legal Experience
- Do Not Bind Customers to A Legal Contract – Feel Free to Leave at Any Time
- Licensed & Bonded Law Firm
- C rating from the BBB
- Enjoy credit alerts, so you know exactly what is happening with your credit score
- Under Investigation by the CFPB for Marketing Practices
3. Sky Blue Credit Repair
Founded in 1989, Sky Blue has made a name for themselves within the credit repair niche. Their team brings a deep understanding of how to repair credit. They offer a free 90-day money back guarantee, so you can try the service first. With strong customer service and a robust platform, Sky Blue is well suited to help you improve your credit score.
Price & Credit Repair Packages:
- $79/Month with a $79 set up fee
Standout Features:
- 90 – Day Money Back Guarantee
- Expert Analysis & Recommendations so you know exactly what to dispute
- Fast Delivery Time – Sky Blue will send out your first dispute letters the first week
- Awesome Mobile App so you can track your progress every step of the credit journey
- Dispute 15 items (5 per bureau) every 35 Days
- Detailed Advice for you to Optimize your Credit Score
- Free debt validation, Cease & Desist Letters, Goodwill, and More
- $119/Month Couples Discount
Since Sky Blue only has one credit repair product, you do not have to worry about upgrading or paying more for premium results. Their simple flat monthly fee includes all the bells and whistles. Not to mention, their monthly fee is the lowest in the industry and they offer the best customer service, so fret not – you are in good hands with this top credit repair company.
Most people are able to see credit improvements within 30 – 60 days, so Sky Blue’s 90-Day money back guarantee make this top credit repair company a no brainer. Trust me, we are not the only ones who rate Sky Blue highly. They received an A+ rating from the Better Business Bureau, and top marks from the Consumer Affairs.
Read our Sky Blue Credit Repair Review.
4. The Credit People
Providing you with 24/7 credit repair services, The Credit People work around the clock to make sure you see results in less than 60 days. With over 15 years of industry experience, the results speak for themselves: 32% of Customers see an increase in their Credit Score, 78% Approved for a new Auto Loan, 71% Approved for new Home Mortgage, 81% Approved for a New Credit Card with great rewards, & 74% Approved for Loan Refinancing.
Price & Credit Repair Packages:
- $79/Month
Standout Features:
- Straightforward & Transparent Monthly Pricing
- Enjoy Unlimited Disputes
- Couples who sign up will get $20 Off
- Their Team of Experts are deliver Score Driven Results
- Offer more than just Credit Reports, this team can help you with Debt & Inquiry Validation
- 24/7 Account Access
- Creditor Communication & Certified by the FCRA
The Credit People take out the complexity of credit repair. With their flat-fee, you can expect a top notch experience as they diligently work to resolve your credit errors. Above all, this credit repair company truly puts their customers first, which is evident by their unparalleled results listed above. If you are looking for a straightforward credit repair company, then look no further. The Credit People have the experience and results to back up their low-fee of $79/Month.
Check Out our Credit People Review for more details.
5. The Credit Pros
The Credit Pros is a technology based credit repair company. They employ artificial intelligence based solutions to improve your overall personal credit. From a cease and desist letter, to a goodwill letter, and everything in between, the Credit Pros are capable of delivering superb results.
Prices & Credit Repair Packages:
- CreditSentry Monitoring: $19/Month
- Money Management: $69/Month
- Prosperity Package: $119/Month
- Success Package: $149/Month
Standout Features:
- 24/7 Account Access via their Website or Sweet Mobile Application
- Enjoy Unlimited Disputes
- Robust Identity Theft Protection
- Debt Validation Letters to Creditors
- Wide Selection of Educational Resources
- Goodwill Letters to Creditors
- Cease & Desist Letters to Collection Agencies
- One-on-One Free Consultation to Outline a Plan of Action with a Credit Expert
As one of the newest credit repair companies, The Credit Pros are certainly making a name for themselves – rightfully so. This AI infused credit repair service was under development for nearly 10 years, and now it is available for us to use, so we can improve our credit score and better understand our credit report.
And we are not the only ones praising The Credit Pros, the industry is abuzz as well. They received a coveted A+ from the Better Business Bureau, and were named by Inc. Magazine as one of America’s fastest growing companies.
Want to Learn More? Check our Credit Pros Review.
6. Ovation Credit
Owned and operated by LendingTree, Ovation Credit offers a world-class experience to those looking for credit help. From repairing credit to credit monitoring and everything in between, Ovation Credit is a one-stop shop. Since their founding, Ovation Credit has gone on to help thousands of Americans repair their credit and kick start their personal finances.
Prices & Credit Repair Packages:
- Essentials: $79/Month
- Essentials Plus Plan: $109/Month
- Both plans required an $89 First Work Fee
Ovation Credit offers consumers two straightforward credit repair packages. Once you sign up for either plan, Ovation will assign you a personal case advisor who will help you identify inaccurate items on your credit report. Furthermore, they will help you draft dispute letters and will submit them to all three credit bureaus. The Essentials Plus Plan allows you to submit unlimited goodwill and dispute letters. This feature is great for consumers who plan to utilize a credit repair firm for a long duration, which we recommend since credit repair is not an overnight fix.
Additionally, the Essentials Plus Plan comes with a personalized letter that you can use with lenders. Ultimately, this additional feature will allow you to lock in a loan or mortgage at a lower interest rate. But again, this is never a guarantee.
Standout Features:
- A ‘pay later’ feature which allows you to start repairing your credit today with the option of paying for their services at a later date.
- 24/7 Access to Financial Tools and Resources
- A+ Rating by the BBB
- 1-on-1 Customer Service
- Collaborate and learn from a team of dedicated experts
- Robust Client Dashboard to track progress
- Get assigned a Personal Case Advisor to help you navigate the complexities of repairing your credit
- Best Cancellation Policy
- Credit Monitoring Capabilities
- Affordable Credit Repair Services
- Enjoy a complimentary FREE Credit Consultation
Apart from their standout services, Ovation Credit offers consumers a fair cancellation policy. At anytime if you are unsatisfied or if you just want to stop, you can cancel your subscription. Don’t worry, Ovation Credit will not charge you for that month whereas other top rated credit repair firms will.
7. AMB Credit Consultants
AMB Credit Consultants is a credit repair firm that prides themselves for their work. Besides improving your overall credit health, they are deeply committed to bolstering your individual financial state. 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.
Prices & Credit Repair Packages:
- Individual: $99/Month with a $149 one-time enrollment fee
- Couples: $198/Month with a $198 one-time enrollment fee
While there are no tiered services, AMB Credit Consultants require a six-month commitment and you need to purchase a credit monitoring subscription through IdentityIQ which will cost you an additional $29/Month. However, they do provide customers with a unique value proposition. If AMB is not able to remove one item from your credit report within the first six months they will provide you with a full refund, or they will extend your services for an additional six months free of charge.
Standout Features:
- Straightforward Pricing
- Credit Monitoring to protect your identity and credit
- A wide variety of Financial Resources
- A+ Rating from the BBB
Though AMB Credit Consultants was only founded in 2008, they are bringing transparency, honesty, and integrity to the credit repair industry. Overtime, you can expect AMB to offer more services and provide a better overall credit experience; however, this is still a great option if both you and your significant other need credit assistance.
8. Creditrepair.com
Creditrepair.com has been in business for over 22 years. They are an established and reputable firm that has helped countless of American’s improve their credit score through detailed disputes and best practices.
Prices & Credit Repair Packages:
- $99/Month with a $14.99 Initial Fee
Standout Features:
- Free 10-Minute Credit Consultation
- Straightforward Platform that is easy to Navigate
- Robust Credit Educational Resources
- Credit Monitoring Services
- Challenges Questionable Negative Items which are impacting your credit score
- Dispute All Negative Items on Credit Report
As one of the largest credit repair companies in America, this firm is established, reputable, and has a long history of success. However, it is advised to consider other options because of the law suit with the CFPB, but it should be taken care of in a few short months. But, once this law suit is resolves, this company will remain a powerhouse within the credit repair industry due to their superior customer service, results, and relatively low price.
How Credit Repair Companies Work:
Credit repair companies follow a subscription based model. This means that they will continue to clean your credit report and remove items as long as 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 items, and take care of the entire credit repair process.
Credit repair companies are staffed by an in-house team of credit experts and legal professionals. They bring valuable experience and will be able to remove items from your credit report. Ultimately, their end goal is to see your credit score increase.
Furthermore, credit repair companies provide their clients with robust educational resources, 24/7 access to credit experts, and confidence. They are determined to see you reach your financial goals and want to provide you with a clean slate, so you can hit the ground running.
How Much do Credit Repair Companies Cost?
Each credit repair firm has their own unique packages, and use different metrics to charge customers. As evident by our list of the top credit repair agencies, the average price of credit repair ranges from $19 to $200 per month. For the most part, you can expect to pay a flat-fee upfront (known as the setup fee), and a monthly fee thereafter.Are Credit Repair Companies Worth the Cost?
If you are someone who values their time and wants to make sure the entire credit repair process is done correctly, then working with a credit repair company is 100% worth the cost. They will make sure you file disputes, remove negative items, and will 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 the Best Credit Repair Company:
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, the credit repair companies know they need to charge a fair price, especially when they are dealing with customers who are struggling financially due to their low credit score. You want to choose a credit repair company that aligns with your financial budget and will deliver. After all, you are paying them to improve your credit score and overall credit health.
Majority of the companies we listed above have a 90-day money back guarantee, which is great! This highlights their commitment to you and shows how confident they are when it comes to 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. They are a good stamp of approval, and should help you narrow down your choices from our list of the best credit repair companies.
3. Results
Undeniably, 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 is showing. Obviously, the more negative credit items you can fix means the more your score can improve.
The best thing you can do is read customer testimonials on Trust Pilot, a website that allows previous customers to share their experience.
4. Customer Service
Majority of the credit repair companies we highlighted today offer a brief free consultation. This is the best time to feel out how there customer service is going to be. After all, you will be in direct contact with the company you choose on a regular basis. Make sure you choose a company that has great office hours, so they can answer any question you have in a timely manner.
5. Safety First
Ultimately, you want a credit repair company that is insured and implementing the best cyber security practices. Why? They are dealing with personal information, and you want to ensure your data is protected, encrypted, and safeguarded. Fret not, the companies we all listed are insured and routinely monitor for any data compromises.
How can I repair my Credit?
There are two primary ways you can repair your credit. Either ‘do it yourself’ which is 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 down time. Hiring a credit repair company allows you to focus on what matters – family & friends.
How Long does it take to repair credit?
Most credit repair companies are able to repair your credit within 3 – 6 months. However, results will vary and are never a guarantee. The length it takes to repair your credit is entirely dependent on your unique financial situation. If you only need to remove a few items from your credit report, then repairing your credit will not take long. But, if you have multiple credit accounts that need to be cleaned up, then obviously, the credit repair process will take a few months.
Remember, repairing your credit takes time, but is well worth the wait and upfront investment. Improving your credit score can allow you to refinance your mortgages or loans, which can save you thousands of dollars.
Better yet, an improved credit score can help you get a new credit card. A credit card that does not shy away from rewards and luxurious perks.
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 is what a credit repair company 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
- Impose 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
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. Partner with a Tradeline Company
Purchasing a tradeline is a legal way to increase your credit score. With a tradeline, you are added as an authorized user to another persons credit account. This allows you to benefit from their positive credit habits, such as paying their bills on-time and using their credit only when needed.
2. 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.
Is using a credit repair company legal?
Using a credit repair company is 100% 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.
Summary: Top 8 Best Credit Repair Companies
Look, partnering with a credit repair company is a great way to improve your credit score; however, results may vary. If you decide to repair your credit by yourself, expect to put in long hours of research. It is a time commitment and requires a keen eye for detail. The last thing you want to do is mess up.
We recommend you turn to a team of professionals who have the experience and resources to safely improve your credit score. The upfront investment is well worth it if you follow their advice and let them work their magic.
