Top 6 Best Credit Repair Companies (Reviewed and Compared)

June 21, 2020
Written by Drew Cheneler
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Top 6 Best Credit Repair Companies (Reviewed and Compared)
Best Credit Repair Software (for 2020): What You Need to Know
June 21, 2020
Written by Drew Cheneler
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Is your credit score stuck in a bad position? 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 no alone. In fact, everyday millions of Americans are impacted due to their poor credit score, but guess what?

There are a few top credit repair companies who are dedicated to 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 follow 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.

Undeniably, repairing your credit is an arduous 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 Does a Credit Repair Service Do?

A credit repair service challenges 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
  • File Disputes on your behalf
  • Fix Credit Errors

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.

6 Best Credit Repair Companies

Fortunately, there are multiple top credit repair services that are eager to have you as a customer. But, you want to make sure you choose the best credit repair company that aligns with your financial goals, is within your budget, and most importantly, is reputable. Without further ado, our selection of the best credit repair companies.

1. Credit Saint

With over 15 years of industry experience, Credit Saints 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 Saints can help you with bankruptcies, disputes, repossessions, and everything in between.

Credit Saint is one of the top credit repair companies in the industry.

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

As you can see, Credit Saints 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 Saints 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.”

Lexington Law is one of the best credit repair companies.

Prices & Credit Repair Packages:

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

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
  • Enjoy credit alerts, so you know exactly what is happening with your credit score
  • Under Investigation by the CFPB for Marketing Practices
First and foremost, Lexington Law is a licensed law firm that specializes in repairing and fixing your credit. As one of the largest credit repair companies, they are able to offer three credit repair packages: PremierPlus (Most Popular), Concord Premier, & Concord Standard. While each plan comes with numerous perks, they all take advantage of Lexington Law’s patented credit repair services. Rest easy, their team of lawyers are more than capable of challenging the credit bureau’s, disputing errors, and so much more. However, monitor the lawsuit with the CFPB before you go forward with Lexington Law.
Want to Learn More? Read our Lexington Law Review.

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.

Sky Blue Credit a Premiere Credit Repair Company.

Price & Credit Repair Packages:

  • $79/Month

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.

The Credit People provide credit repair services to Americans.

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.

The Credit Pros is one of the best credit repair companies in the industry.

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 around the black, 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. 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. is one of the oldest credit repair companies.

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 to Choose the top 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 and requires significant work on your end, 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?

It varies per person, but most people start seeing results between 30-90 days. Remember, repairing your credit takes time, but it is well worth the wait and money. 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 also help you get the new credit card you deserve. A credit card that does not shy away from rewards and luxurious perks.

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 6 Best Credit Repair Companies

Look, a credit repair company is a great way for you to improve your credit score; however, results may vary. Partnering with a credit repair company is ideal for those who have a family, and do not want to waste time with the arduous process of fine combing through a credit report. Remember, if you decide to repair your credit by yourself, expect to put in long hours of research. It is a time commitment and requires an eye for detail, because you do not want to 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.

Drew Cheneler
Drew Cheneler
Drew is a recognized Credit, Small Business, and Personal Finance Expert. He has been quoted in CNBC, The Huffington Post,, Moneyunder30, 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.