13 Best Credit Repair Companies for 2020 (Compared)

Credit
Updated: 22nd Nov 2020
Written by Drew Cheneler
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Credit
June 21, 2020
Written by Drew Cheneler

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In this Article: The 13 Best Credit Repair Companies (Compared). Find out which credit repair companies are the best and why. From low fees to transparency and proven results, we will help you choose the best credit repair company to fix your credit. 

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?

Credit repair companies specialize in helping you increase your credit score. With the right tools and tactics, the best credit repair company will help you file disputes with all three credit bureaus, remove negative items from your credit report, and will provide candid credit consultation. This level of care and speed is why thousands of Americans rely on the best credit repair companies to fix their credit issues. 

Backed by a team of credit experts, these credit repair companies work with you – individually – to increase your credit score, so you can live the financial life you deserve.

In this side-by-side comparison, we review the best credit repair companies (for 2020). From standout customer service to fair pricing, and everything in between, our team has rounded up the best credit repair companies, so you can take action today and improve your credit score.

13 Best Credit Repair Companies

Backed by hours of research, you can rely on our expert insight to find, review, and pick the best credit repair company. Without further ado, our selection of the best credit repair companies for 2020.

Let’s dive in.

    Credit Saint: Best Overall Credit Repair Company

    Best Overall Credit Repair Company: Credit Saint

    Credit Saint is a clear leader in the credit repair industry. With years of experience and proven results, Credit Saint is deeply committed to helping you improve your overall credit health and enjoy a financially free life.

    With over 15 years of industry experience, Credit Saint is the best overall credit repair company. As a credit repair firm, they make it a top priority to remain transparent, timely, and fair. These are just a few reasons why Credit Saint commands an A+ rating from the Better Business Bureau.

    Backed by a team of industry experts, Credit Saint consistently receives favorable customer reviews. As a customer, you get a personalized credit dashboard to monitor the credit repair process, a personal advisory team, transparency, and exclusive access to robust credit resources.

    BBB Rating: A+

    Standout Benefits:

    • 90-Day Full Refund Policy (😊)
    • Access to Credit Experts (Dedicated Advisory Team)
    • Personalized Credit Dashboard to monitor progress
    • Exclusive Online Education Resources
    • Tailored Credit Repair. Straightforward and to the point, no upcharges here with Credit Saint.
    • Custom Made Challenges to All three major credit reporting bureaus
    • Step-by-step guidance to help you rebuild your credit
    • Advance Credit Monitoring
    • FREE Credit Consultation

    Credit Saint is known to help consumers remove even the most complex items from their credit report. Just to name a few, they can assist you with bankruptcies, negative items, identity theft, charge-offs, repossessions, late payments, and drafting disputes.

    If that weren’t enough, Credit Saint is actually affordable. They offer consumers three credit repair packages.

    Credit Saint Payment Plans:

    • Credit Polish: $79.99/Month with a $99 one-time enrollment fee.
    • Credit Remodel: $99.99/Month with a $99 one-time enrollment fee.
    • Clean Slate (Most Popular): $119.99/Month with a $195.00 one-time enrollment fee.

    Each credit repair package comes with varying services. Let’s dive into the details.

    Credit Polish: This is their most basic package. Consumers can challenge items with all three credit bureaus, get a detailed score analysis, creditor interventions, and a robust score tracker.

    The Credit Polish package is ideal for those getting ready to apply for a loan or finance a large purchase. This quick and easy credit clean up could save you thousands of dollars in interest payments. Even just a 10 to 15 point credit score increase can move mountains.

    However, with this package, Credit Saint will not assist with judgements, bankruptcies, or repossessions. You’ll have to upgrade to their Credit Remodel package to remove these damaging items.

    Credit Remodel: With this package, you get to challenge items with all three credit bureaus, score analysis, creditor interventions, score tracker, inquiry targeting, and Experian Monitoring.

    Clean Slate: This package is designed for those who want to truly resolve their most pressing credit problems. In fact, this puts Credit Saint into full throttle as it is their most aggressive credit repair package. Customers get unlimited challenges to the credit bureaus, all features included in the Credit Remodel package, and tailored cease & desist letters.

    To highlight their dedication to their customers, Credit Saint pioneered the 90-day refund policy within the credit repair industry. Credit Saint puts their money where their mouth is, which is why they have thousands of satisfied customers. Throughout the process, you can communicate with Credit Saint via email, text, phone, live chat, Twitter, and Facebook.

    If you are looking for a one-stop shop, then Credit Saint is your solution. Most consumers are able to see substantial results after the first round of disputes. They are the best credit repair company and warrant serious consideration if you need professional help.

    Learn More: Credit Saint Review.

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    Sky Blue Credit: Best Credit Repair Company for Customer Service

    Best for Customer Service: Sky Blue Credit

    Sky Blue Credit offers high-quality customer service, straightforward pricing, and fast results.

    Founded in 1989, Sky Blue has made a name for themselves within the credit repair niche. Headquartered in sunny Florida, their team brings a deep understanding of credit repair and transparency. But, that’s not all.

    With strong customer service, speed, straightforward pricing, and a robust platform, Sky Blue is well suited to help you improve your credit score.

    BBB Rating: C

    Standout Features:

    • 90 – Day Money Back Guarantee
    • Tailored recommendations so you know exactly what to dispute
    • Fast Delivery Time: Sky Blue will send out your first round of dispute letters within a week!
    • Awesome Online portal so you can track your progress every step of the credit journey
    • Dispute up to 15 items (5 per bureau) every 35 Days
    • Detailed Advice
    • Advice on how to rebuild your credit
    • Will assist with debt validation, cease and desist letters, goodwill deletion, and so much 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 straightforward and simple flat monthly fee includes all the bells and whistles.

    Sky Blue Credit Payment Plan:

    • $79/Month with a $79 set up fee

    After you sign up, Sky Blue Credit Repair will get right to work. They will request credit reports from all three credit bureaus and will immediately sift through it 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.

    Apart from 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.

    The only downside is that they do not offer a free credit evaluation. Sky Blue will only help you repair your credit if you sign up for their service and make payment.

    However, across the board, Sky Blue has received top notch customer reviews. Previous customers praise Sky Blue for their speed, level of care, and efficiency. With one simple payment plan, they are not trying to sell you advanced features or additional services. Sky Blue is straightforward and to the point.

    Sky Blue offers a uniquely rapid 35 day dispute pace compared with the industry standard 45-60 days between disputes. Of interest, the credit bureaus only have 30 days to process a round of disputes, so this 35 days pace makes a lot of sense to us!

    Let’s not forget about their 90-day money back guarantee. If at any time you are not satisficed with your results within the first 90-days, you can request a refund. Sky Blue will return your money, no questions asked.

    Sky Blue’s generosity is hard to beat, and their customer service is exceptional. Customers can reach their agents by phone, text, email, or mail. Additionally, representatives are available from 9 AM – 5 PM during the week.

    Learn More: Sky Blue Credit Repair Review.

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    The Credit People: Best Credit Repair Company for 6 Month Plans

    Best for Long-Term Credit Repair: The Credit People

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

    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 (founded in 2001), 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.

    These results are proof that The Credit People is one of the best credit repair services around.

    BBB Rating: C+

    Standout Benefits:

    • Straightforward and Transparent Monthly Pricing
    • Unlimited Disputes
    • Couples who sign up will get $20 Off
    • Score Driven Results
    • 24/7 Account Access
    • Creditor Communication and Certified by the FCRA
    • Help Beyond Credit Reports
    • Free Credit Consultation

    The Credit People take out the complexity of credit repair. With their flat fee membership, you can expect a top-notch credit repair experience as they diligently work to resolve your credit errors.

    The Credit People Payment Plans:

    • Monthly Membership: $79/Month
    • Flat Rate Membership: $419 for 6 Months

    They have the experience and results to back up their low fee of $79/Month.

    The Credit People will help you file disputes, establish creditor communication, debt validation, inquiry validation, provide you with free credit reports, and an unbeatable satisfaction is guaranteed. After you sign up, an expert from their team will review your credit report. They will identify which negative items are hurting your credit score the most.

    As a customer, you can dispute as many items as you want. There is no one holding you back. The Credit People will work diligently to challenge and dispute late payments, identity fraud, bankruptcies, foreclosures, student loans, charge-offs, collections, repossessions, and more.

    The only downside with The Credit People is that they do not provide you with a timeframe, whereas Credit Saint and Sky Blue will. Sometimes, this leaves customers confused on whether or not their credit is actually being repaired. Furthermore, their refund policy is not the best. The Credit People will only refund you your last month’s fee and upcoming months fee if you already paid. However, if you sign up for the flat fee payment plan, then you can receive a full refund if they fail to remove any negative items. Most consumers prefer a 90-day refund policy.

    Like most credit repair companies, they provide you with a robust online portal to monitor progress, talk to representatives, and ask questions. The Credit People makes representatives available from 9 AM – 5 PM throughout the week. Additionally, they have a dedicated section known as the “Help Zone,” which is loaded with credit based educational resources and guides.

    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 credit repair company that gets straight to the point, then look no further.

    Learn More: The Credit People Review

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    Lexington Law: Best Credit Repair Company for Experience

    Best for Industry Experience: Lexington Law

    Lexington Law is the oldest credit repair company in America. With years of experience, they provide you with tailored insight and a clear action plan.

    With over 500,000 satisfied customers, Lexington Law knows how to get the job done. Their team of lawyers specialize in navigating the various credit laws 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.”

    Operating in all 50 states, Lexington Law brings years of experience to the table. They have been helping consumers repair their credit since 1991.

    BBB Rating: C

    Standout Benefits:

    • Robust Educational Resources
    • Free Credit Report Consultation
    • 50% Discount for Active Duty Military & Couples
    • Extensive Knowledge and Legal Experience
    • User Friendly Mobile App
    • No Contract. Feel free to leave at any time
    • Licensed and Bonded Law Firm
    • Automatic Credit Alerts so you never miss a beat
    • TransUnion®alerts (PremierPlus Plan)
    • FICO®score tracker (PremierPlus Plan)
    • Identity Protection (PremierPlus Plan)
    • Personal Finance Tools (PremierPlus Plan)

    What we Don’t Like:

    Lexington Law is a licensed law firm that specializes in repairing and fixing your credit. As one of the largest credit repair companies, they offer three credit repair packages: PremierPlus (Most Popular), Concord Premier, & Concord Standard.

    Lexington Law Payment Plans:

    • PremierPlus: $129.95/Month
    • Concord Premier: $109.95/Month
    • Concord Standard: $89.95/Month

    All plans require a $6.99 set up fee and for an additional $14.99, you can expedite the process. Lexington Law will automatically load your credit report from Credit.com and will get right to work.

    While each plan comes with numerous perks, they all take advantage of Lexington Law’s patented credit repair services. Their team of lawyers are more than capable of challenging the credit bureaus, disputing errors, sending cease and desist letters, debt validation, and so much more.

    Lexington Law methodically breaks down their credit repair process into four simple 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 to monitor Lexington Law’s progress.

    Fees set aside, this credit repair agency will help you dispute tax liens, late payments, foreclosures, collections, judgements, and charge-offs. Additionally, they utilize technology to help you make clear financial decisions and rebuild your credit. Since this credit repair company is powered by a team of legal experts, they are deeply committed to protect your consumer rights under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA).

    This simple and straightforward course of action has allowed Lexington Law to emerge as one of the best credit repair companies and an industry leader. Most consumers are traditionally satisfied with results and stick around for 6+ months. They recognize credit repair is not a quick fix. It takes time.

    However, monitor the lawsuit with the CFPB before you go forward with Lexington Law.

    Learn More: Lexington Law Review

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    Creditrepair.com: Best Credit Repair Service for Simplicity

    Best for Simplicity: Creditrepair.com

    With over 22 years of experience, Creditrepair.com brings forth candid advice to simple and quick credit fixes. They offer one straightforward credit repair plan leaving you with no questions or upcharges.

    Creditrepair.com has been in business for over 22 years. They are an established and reputable credit repair firm that has helped countless of American’s improve their credit score through detailed disputes and best practices.

    BBB Rating: D

    Standout Benefits:

    • 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
    • Online Dashboard to Track Progress
    • Friendly Mobile App
    • FICO Score Calculator

    Creditrepair.com Payment Plans:

    • $99.95/Month with a $14.99 Initial Fee

    Creditrepair.com does not shy away from the services they offer. They implement a 3-step process, which we refer to as their “3C strategy.” Creditrepair.com breaks down their credit repair strategy into easy-to-understand terms.

    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.

    Additionally, they offer potential customers a complimentary free credit consultation, so you can decide if this service is for you. 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 instead, a credit repair company that wants to ensure 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.

    As one of the largest credit repair companies in America, this firm is established, reputable, and has a long history of success. However, like Lexington Law, Creditrepair.com is also under investigation. It is advised to consider other options because of the lawsuit with the CFPB.

    But, once this lawsuit is resolves, this company will remain a powerhouse within the credit repair industry due to their superior customer service, results, and relatively low price.

    Learn More: Creditrepair.com Review

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    Creditrepairfirm.net: Best Credit Repair Service for Cheap Prices

    Best for Cheap Prices: Creditfirm.net

    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.

    CreditFirm.net is another credit repair company that touts an A+ rating from the Better Business Bureau (BBB). As the cheapest option on your list, they are well-suited to serve those who are hurting to make ends meet.

    BBB Rating: A+

    Standout Benefits:

    • Great Customer Service
    • Monthly Flat-Fee
    • Disputes are sent out within 24-48 Hours
    • Unlimited Challenges: Credit Bureau Challenges, Inquiry, Name Variance, Address Variance, Goodwill Interventions, Escalated Info Requests, Debt Validation, Crease and Desist Requests.
    • In-House Legal Team that leverages the law to repair your credit.

    As we alluded to earlier, Creditfirm.net is the cheapest credit repair company. They have one standard fee for all customers.

    Creditfirm.net Payment Plan:

    • $49.99/Month

    Fret not, Creditfirm.net will defend you against your creditors and debt collectors. This top credit repair company is known for its speed, efficiency, and attention to detail.

    Even though this is the cheapest option, it does not mean Creditfirm.net is the best. With Creditfirm.net you do not get all the bells and whistles like you would with another company.

    There is something to be said about having a dedicated account manager, education resources, a robust refund policy, and a private credit dashboard.

    They do not provide a financial dashboard, and they require you to forward them a copy of your most recent credit report. Creditfirm.net will not pull your credit reports on your behalf. This is inconvenient and one extra step you have to do on your own time.

    Learn More: Creditfirm.net Review

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    CreditGlory: Best Credit Repair Service for Identity Theft

    Best for Identity Theft: Credit Glory

    CreditGlory is the newest credit repair company to enter the market. However, they are carving out a healthy niche as they bring forth valid solutions to fraudulent activity and identity theft.

    To date, CreditGlory has enjoyed monstrous growth.

    CreditGlory will challenge all negative items to ensure accuracy and validity. They are hell bent on helping you improve your overall credit. Let’s see what they have to offer.

    Standout Benefits:

    • Will Challenge Inaccuracies: Collections, Names, Charge-offs, Addresses, Inquiries, Balances, Bankruptcies, Student Loans, Medical Bills, and Late Payments.
    • 90-Day Refund Policy
    • Access to Credit Experts via Phone
    • Will Dispute Fraudulent Inquiries

    As you can see, there is not anything ‘extraordinary’ or ‘different’ about what they have to offer compared to other credit repair companies.

    CreditGlory Payment Plans:

    • Credit Repair: $99/Month
    • Fraudulent Activity (All Inquiries): $799
    • Fraudulent Activity (Single Inquiry): $79

    CreditGlory is a bit more expensive than other options. However, they emphasize their ability to challenge fraudulent activity on your credit report.

    In a recent study, almost 34 million records exposed non-sensitive PII, which could lead to exposure. Remember, as we rely more and more on technology, protecting your credit from fraud will only become more prominent.

    Learn More: Credit Glory Review

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    The Credit Pros: Best Credit Repair Service for Technology + Financial Tools

    Best for Technology: The Credit Pros

    The Credit Pros taps into the true power of Artificial Intelligence and analytics to safely repair your credit. But their credit repair service offerings are limited, so make sure they can actually do what you need done to your credit report.

    The Credit Pros is a technology-based credit repair company. They employ artificial intelligence-based solutions to improve your overall personal credit. Founded in 2009, it only took a few years for them to emerge as one of the best credit repair companies in the industry.

    From sending cease and desist letters to helping you craft a goodwill letter, and everything in between, the Credit Pros can deliver superb results.

    Standout Benefits:

    • 24/7 Account Access (Website & Mobile App)
    • Unlimited Disputes
    • Identity Theft Protection
    • Draft Debt Validation Letters
    • Wide Selection of Educational Resources
    • Draft and Send Goodwill Letters to Creditors
    • Cease & Desist Letters to Collection Agencies
    • One-on-One Consultation with a FICO Professional
    • Will Provide Candid Credit Advice
    • Budgeting Tools
    • Payment Reminders
    • Prescription Discount (Success and Prosperity Package)
    • Protect Your Consumer Rights
    • TransUnion Credit Monitoring

    As one of the newest credit repair companies, The Credit Pros continue to make a name for themselves – rightfully so. They only employ FICO certified professionals and have more than 100,000 clients.

    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.

    The Credit Pros Payment Plans:

    • CreditSentry Monitoring:$19/Month
    • Money Management:$69/Month
    • Prosperity Package:$119/Month
    • Success Package:$149/Month

    Each package is complimented with unique benefits and services. However, there is one overarching theme – improve and protect your credit score.

    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 private companies.

    This tech company makes it easy for you to track your credit repair progress and speak to experts. The Credit Pros has a friendly mobile app that is available on both iOS and Android phones. And customer service representatives are available Monday – Friday from 9 AM to 8 PM. You can either speak to a representative over the phone or you can speak to one directly on their 24/7 Online Dashboard.

    Additionally, The Credit Pros provides customers with advanced financial tools so they can make simple financial decisions that are backed by historical data. This credit repair agency promises to deliver results within 90-days. What if they don’t? The Credit Pros offer a risk-free money-back guarantee. It’s a win-win all around.

    Their 90-second registration process makes it easy for you to sign up and repair your credit in no time.

    Learn More: The Credit Pros Review

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    Ovation Credit Repair Services: Best Credit Repair Agency for Cancellation Policy

    Best Cancellation Policy: Ovation Credit

    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.

    LendingTree is one of the largest online lending marketplaces in the world.

    Ovation Credit Services offers a world-class experience to those looking for credit help. From credit repair to credit monitoring and everything in between, Ovation Credit appeals to consumers looking for an all-inclusive service.

    Since their founding, Ovation Credit has gone on to help thousands of Americans repair their credit and kick start their personal finances.

    BBB Rating: A+

    Standout Benefits:

    • A ‘pay later’ feature which allows you to start repairing your credit today with the option of paying for their services later.
    • 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

    Ovation Credit offers consumers two straightforward credit repair packages.

    Ovation Credit Services Payment Plans:

    • Essentials:$79/Month
    • Essentials Plus Plan:$109/Month
    • Both plans required an $89 First Work Fee

    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. This exclusive feature allows you to lock in a loan or mortgage at a lower interest rate. But again, this is never a guarantee.

    Apart from their standout services, Ovation Credit offers consumers a fair cancellation policy. At any time if you are unsatisfied or if you just want to stop, you can cancel your subscription. Do not worry, Ovation Credit will not charge you for that month whereas other credit repair companies will.

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    Pyramid Credit Repair: Best Credit Repair Agency for Married Couples

    Best for Married Couples: Pyramid Credit Repair

    Pyramid Credit Repair offers a straightforward and fair plan for married couples who need to repair their credit and set themselves up for a financially secure future.

    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 any and 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 will handle all correspondence between you and your creditor/the credit bureaus.

    Here is a complete list of benefits you get as a customer of Pyramid Credit Repair.

    Standout Benefits:

    • Dedicated Account Manager
    • Free Credit Consultation
    • 100% Money Back Guarantee
    • Custom Dispute Letters ($1 per dispute)
    • Real-Time Updates
    • No Contract. Feel free to cancel at any time.
    • 20% Military Discount

    The best part about Pyramid Credit Repair is the dashboard all customers have exclusive access to. This dashboard will allow you to track your progress daily and will provide you with beneficial resources.

    Pyramid Credit Repair Payment Plans:

    • Singles Plan: $99/Month
    • Couples Plan: $198/Month

    Eligible couples can receive up to 50% off their first month’s service fee. Pyramid Credit Repair is a company that prides themselves on being straight to the point and fair.

    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. If you decide to proceed, then you will need to make a payment and the real fun begins. Next, Pyramid Credit Repair will assign you a dedicated account manager, who will help you dial in on your unique credit repair strategy and will 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.

    Traditionally, Pyramid Credit Repair customers see results within 30 to 45 days. However, everyone’s situation is different and results will vary. Customer service representatives are available 24/7, which means you can ask a question at any time. And if you are not satisficed with results within the first 90-days, Pyramid will provide you with a full-refund, no questions asked.

    There is a lot to like here as a consumer except for the fact that Pyramid Credit Repair is a bit more expensive than some other credit repair companies. Credit Saint can do everything they can and more.

    Learn More: Pyramid Credit Repair Review

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    AMB Credit Consultants: Best Credit Repair Agency for Credit Educations

    Best for Education: AMB Credit Consultants

    AMB Credit Consultants prioritizes education while simultaneously helping you remove items from your credit report that are dragging down your credit score.

    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. Founded in 2008, this Dallas-based credit restoration service has attracted a legion of fans and is showing no signs of slowing down.

    BBB Rating: A+

    Standout Benefits:

    • Straightforward Pricing
    • Credit Monitoring to protect your identity and credit
    • A wide variety of Financial Resources
    • A+ Rating from the BBB

    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.

    Here is a full break down of their payment plans.

    AMB Credit Consultants Payment Plans:

    • Individual:$99/Month with a $149 one-time enrollment fee
    • Couples:$198/Month with a $198 one-time enrollment fee

    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.

    Though AMB Credit Consultants was only founded in 2008, they are bringing transparency, honesty, and integrity to the credit repair industry. After you sign up, a credit consultant will thoroughly review your credit report. They will take note of any negative items damaging your credit score and will create a streamlined plan of action to restore your credit.

    Additionally, AMB Credit Consultants will educate you on each individual step they take. This is what separates them from the rest. They recognize that aside from helping you repair your credit, they need to educate you on best credit practices. AMB want’s to set you up for success. They will help you form good credit habits, such as making payments on time and not over spending.

    As a customer, 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 on social media (Instagram, Twitter, & Facebook).

    While services are limited, you can expect AMB to offer more services and provide a better overall credit repair experience; however, this is still a great option if both you and your significant other need credit assistance.

    Learn More: AMB Credit Consultants Review

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    Pinnacle Credit Repair: Best Credit Repair Agency for Debt Consolidation

    Pinnacle Credit Repair: Best Credit for Debt Consolidation

    Pinnacle Credit Repair is a more expensive option; however, it is well-suited to help those considering debt consolidation or are in the midst of applying for a personal loan.

    Garnering accreditation from the Better Business Bureau, Pinnace Credit Management offers one of the fastest credit repair programs in the Nation. However, their expertise will cost you a pretty penny.

    Standout Benefits:

    • Remove Negative or Inaccurate Information
    • Credit Coaching
    • Credit Education: They provide customers access to over 20+ credit education videos.
    • Lender Approval: Pinnacle Credit Management will help you get approved for loans with a competitive interest rate

    The most attractive feature Pinnacle Credit Repair offers is their ‘lender approval’ program. They will help you lock in on loans with a competitive interest rate so you can consolidate your debt or purchase an item.

    Pinnacle Credit Management Payment Plans:

    • Standard Program: $99/Month with a $199 one time first work fee.
    • Fast Track Program: $1,500 – $2,500

    Their fast track program 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.

    Since their founding, Pinnacle Credit Management has received favorable reviews on the BBB and TrustPilot. But there are better options out there. $1,500 – $2,500 is a steep price.

    Learn More: Pinnacle Credit Repair Review

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    Credit Assistance Network: Best Credit Repair Service for Manual Letters

    Best for Manual Letters: Credit Assistance Network

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

    Founded in 2004, Credit Assistance Networks offers a wide range of credit repair services. From filing disputes with all three credit bureaus to helping you deal with your ex-wife/ex-husband, and everything in between, this firm does more than just credit repair. Credit Assistance Network takes it to the next level.

    BBB Rating: A+

    Standout Benefits:

    • Identity Theft Restoration
    • Security Clearance Assistance
    • Remove Tax Liens
    • One-on-One Credit Guidance
    • File’s Disputes Manually
    • Debt Management

    Credit Assistance Payment Plans:

    • $139/Month

    They offer a straightforward payment plan for customers; however, it is expensive. With that said, Credit Assistance Network does offer a lot though. Once you sign up, they will assign you a trained credit consultant who will review your credit report line-by-line.

    This expert will identify errors on your credit report and will begin to dispute them with all three 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.

    Credit Assistance Network will aggressively remove all negative items, incorrect information, and other errors that are present on your credit report. 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.

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    Best Credit Repair Companies: FAQs

    These are the most common questions consumers ask about credit repair companies, credit restoration, and the credit repair process. Find the answer to all of your questions below.

    Who is the Best Credit Repair Company?

    The best credit repair company is Credit Saint. They are the best credit repair company because they are a clear industry leader, on the forefront of employing technology to repair your credit, and affordable. Above all, Credit Saint is staffed by a team of experts who value your input (financial goals), and they offer the best credit repair services for consumers. 

    Touting a coveted A+ rating from the Better Business Bureau, superior customer service, proven results, and pioneering the 90-day cancellation policy, Credit Saint is the best credit repair company for 2020. 

    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, 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 do:

    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
    • 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: 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 you to learn the credit repair industry from top to bottom. Credit repair companies simply speed up the process and ensure you make no mistakes. They get it right the first time.

    Can You Really Pay Someone to Fix Your Credit? 

    While there is not a “quick fix” when it comes to repairing your credit, your best bet is to hire one of the best credit repair companies. They bring years of experience and proven results, so it is safe to say that they are experts when it comes to fixing your credit.

    How 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.

    The best 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. 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. These acts are confusing and complex, yet serve a vital role in protecting consumers from unfair practices.

    Furthermore, a credit repair agency provides their clients with robust educational resources, 24/7 access to credit experts, and confidence. They are determined to help you reach your financial goals.

    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. You can expect to pay an upfront fee (known as the setup fee), and a monthly fee thereafter.

    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 the best credit repair company that is affordable. The last thing you want to do is incur more debt.

    Are Credit Repair Companies Worth the Cost? 

    If you are someone who values their 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 are able to 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 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: 5 Things to Consider

    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 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. This is no small task.

    Majority of the credit repair 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 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

    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 their 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 flexible office hours, so they can answer any question you have in a timely manner. 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. Safety First

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

    Fret not, the credit repair services we listed are insured and routinely monitor for any data compromises.

    Are There Legitimate Credit Repair Companies?

    Yes, there are legit credit repair companies. As a consumer, it is paramount you 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
    • Friendly Staff
    • Robust Customer Service

    The rampant rise of credit repair scams is the main reason why we created a list of the best credit repair companies. We did the research, so you don’t have to.

    Plain and simple, it is not fair for consumers to have the wrong information.

    To assist you in your efforts, here is how to easily spot a credit repair scam.

    How to Avoid and Spot a Credit Repair Scam

    While we listed the best credit repair companies in this article, there are hundreds of small brands 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 their 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 their 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. Furthermore, a credit repair company cannot influence you to get a new Social Security Number, so they can open an entirely new credit file.

    This is illegal under both Federal and State law. Avoid this at all costs!

    #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 they lack reviews on both sites, then 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 on your search 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

    Like 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 here. 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 that is 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 the reason why they are able to apply for credit cards with the best rewards and receive loans with favorable interest rates.

    How Long does it take to repair credit?

    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.

    If you only need to remove a few items from your credit report, then repairing your credit will not take long. But, if your credit situation is complex, then obviously, credit restoration will take a few months.

    Remember, repairing your credit takes time. There is no such thing as “fast credit repair.” But in our opinion, it is well worth the wait and upfront investment. As you know, a poor credit score will hold you back from competitive interest rates, refinancing a loan, and can limit employment opportunities.

    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. To help you understand the impact of each factor, 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 straightforward and easy. And it is a legal way to increase your credit score. 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.

    Learn 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 years of 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). However, you can get a gist of how well their credit repair services perform by reading previous customer reviews.

    From our research, most consumers are able to 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 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.

    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. They will do almost everything for you. From obtaining your credit report, reviewing it, and filing disputes, the best credit repair companies are efficient and timely.

    And to speed up the process, even more, you need to start making your payments on time, monitor your credit report regularly, and learn everything you can about credit.

    Bottom Line: 13 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. The upfront investment is well worth it, if you follow their advice and let them work their magic. Finally, after you repair your credit, make sure to consider one of the best credit monitoring services to protect that new and improved credit score.

    Methodology: Selecting 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, and customer service. Additionally, we reviewed whether or not each credit repair company offered a free credit consultation, refund, and credit monitoring. In our review, we highlighted the good, the bad, and the ugly about each service. Make sure you do your own due diligence and research to make a final decision.

    Drew Cheneler
    Drew Cheneler
    Drew is a recognized Credit, Small Business, and Personal Finance Expert. He has been quoted in CNBC, Fox Business News Section, The Huffington Post, Business.com, Moneyunder30, US Chamber of Commerce, and more. He is known for breaking down complex personal finance topics into action-oriented advice, so you can make the most of your hard-earned money.