The Best Credit Repair Services

Having lousy credit can be a pain for so many reasons, whether you're trying to buy a house, do renovations, or apply for a credit card. And the worst part is that a lot of bad credit has to do with irrelevant errors on your credit report. That's when credit repair services come into play. From correcting errors to disputing charges and more, the best credit repair companies can clean up your credit report and increase your score by several points. Want to know more about this service? Check out our guidebook to everything that is credit repair, along with reviews of the top legitimate credit repair companies in the country.
The Best Credit Repair Services

Having lousy credit can be a pain for so many reasons, whether you’re trying to buy a house, do renovations, or apply for a credit card. And the worst part is that a lot of bad credit has to do with irrelevant errors on your credit report. That’s when credit repair services come into play. From correcting errors to disputing charges and more, the best credit repair companies can clean up your credit report and increase your score by several points. Want to know more about this service? Check out our guidebook to everything that is credit repair, along with reviews of the top legitimate credit repair companies in the country.

1

Lexington Law

The #1 credit repair services law firm

Lexington Law Review

Lexington Law is the senior credit repair company in the field, offering credit repair services including …
  • Credit BureausTransUnion, Experian, Equifax
  • Best ForChallenges and future identity protection
  • PriceStarting at $89.85

Lexington Law is one of the top credit repair companies. It’s a law firm that specifically deals with fast credit repair and fair consumer treatment. So, Lexington Law will really go to bat for you to help clean up your credit report. Credit repair services include a free consultation and credit report analysis, disputing errors on your report, and helping negotiate with creditors you owe money to currently.

If you’re looking for more advanced credit repair services, Lexington Law has a good premium plan. It offers things like credit report watch and TransUnion alerts. So, if issues arise on your credit report again, you’ll be covered. There’s also a solid identity protection feature, something that is essential in today’s fraud-heavy society.

Positive
  • Identity protection
  • Fraud and transaction alerts
  • Credit bureau challenges
Negatives
  • Basic plan is very limited
  • Longer repair process than most
2

Credit Saint

Thorough and expert credit repair services

Credit Saint Review

Credit Saint offers transparency and customer service with its three credit repair packages, removing mistakes and …
  • Credit BureausTransUnion, Experian, Equifax
  • Best ForWorking with collections agencies
  • PriceStarting at $79.99

Credit Saints shows you exactly how to repair your credit quickly and professionally. Through inaccuracy challenges, correcting untimely or misleading information, and having unverified information removed, this legitimate credit repair company scrubs your credit report clean.

Credit Saint sets you up with a personal advisory team of experts who will monitor your account and work with you to repair your credit. If you’re not into the one-on-one interaction, Credit Saint has a convenient online dashboard that lets you keep track of the progress on your credit report repair.

Credit Saint offers 3 plans: medium, high, and very high aggressiveness levels. All plans come with a solid 90-day money-back guarantee, the ability to cancel anytime, and customer support. Credit Saint will work on negative credit report items like late payments, identity thefts, charge-offs, and collections. More advanced plans will even tackle things like bankruptcies, repossessions, and judgments against you.

Positive
  • Handles bankruptcies, repossessions, etc
  • Personalized challenge agreements
  • 90-day money-back guarantee
Negatives
  • Pricey setup fee
  • Not available across the country
3

The Credit People

Fast and comprehensive credit repair services

The Credit People Review

The Credit People offers a bare bones,focused plan that can improve your credit within 60 days. It has one price, …
  • Credit BureausTransUnion, Experian, Equifax
  • Best ForQuick boost of credit score, approval rating
  • Price$79 a month/$419 flat rate

One of the best credit repair companies, The Credit People, has a fun and somewhat whimsical approach to credit repair. It’s a heavy subject for some people, so it’s actually pretty refreshing to find a service that lightens the mood a little with amicable customer support and friendly mascots to assist you.

Aside from a good bedside manner, The Credit People offer a hefty 53-187 point boost to your credit score (estimated), 1.5 million credit issues wiped out, and more than 70% approval rating for its customers. The Credit People also has a fast track that can clean up your credit in just 60 days, an unbeatable satisfaction guarantee, inquiry validation, and unlimited disputes that it’ll handle for you.

Positive
  • Results in less than 60 days
  • Monthly or flat-rate pricing
  • Satisfaction guarantee
Negatives
  • No identity theft protection package
  • No guarantee on bankruptcy removal
4

Pyramid Credit Repair

Hassle-free credit repair at affordable pricing

Pyramid Credit Repair Review

Pyramid Credit Repair offers comprehensive service, fast results and a performance guarantee—which means you have …
  • Credit BureausTransUnion, Experian, Equifax
  • Best ForStraightforward and all-inclusive pricing
  • PriceStarting at $99

Pyramid Credit Repair is one of the top credit repair companies out there because it’s so straightforward and flexible. It offers an uncomplicated fee structure; you pay a monthly fee, and that’s it. There are no hidden charges and no startup fees. Pyramid Credit Repair also makes things simple by allowing you to cancel your plan at any time.

Pyramid Credit Repair delivers personalized game plans to customers to help fight credit issues and errors. There is a real 100% satisfaction guarantee that gets you your money back if you aren’t completely satisfied and 24/7 customer support available with all plans. Pyramid Credit Repair also has a couples plan that provides you with a single account manager for both your accounts, finance tools for couples, and more.

Positive
  • Customized dispute process
  • Text alerts for credit updates
  • Live, assigned dedicated account managers
Negatives
  • Not available in every state
  • Not as experienced as other services
5

The Credit Pros

Flexible credit repair services for everyone

The Credit Pros Review

The Credit Pros offers a thorough service aimed at removing false claims and mistakes from your credit report with …
  • Credit BureausTransUnion, Experian, Equifax
  • Best ForBad credit reports, building credit
  • PriceStarting at $19

One of the top credit repair services out there, The Credit Pros, is professional and fast. You’ll get a one-on-one consultation with a finance expert who will assess your credit report, discuss your options, and make a tailored action plan for clearing your credit report. The Credit Pros can help remove all types of errors and credit issues from your credit report, including bankruptcies, inquiries, foreclosures, late payments, judgments, collections, and of course, incorrect information.

The Credit Pros also has some impressive features. For one thing, you’ll get a lifetime guarantee on the results. The Credit Pros also offers pay for results or monthly pricing, so you can pick the pricing plan that works best for you. And you can even take advantage of payment plans for more flexibility. See your progress with your private online account portal 24/7.

Positive
  • Pay per results or monthly plans
  • Lifetime guarantee
  • Online portal for real-time updates
Negatives
  • Initial fees are a little higher than others
  • Not available in all states
6

Sky Blue

Rapid credit repair services for less

Sky Blue Review

Sky Blue Credit Repair is the expert in credit disputes and negotiation, with reporting from 3 bureaus and several …
  • Credit BureausTransUnion, Experian, Equifax
  • Best ForCredit errors, credit score optimization
  • Price$79/$119

Sky Blue is a consumer-centric credit repair service that knows how to repair credit fast. In fact, this company has fast credit repair down to a science. Sky Blue will dispute 15 items every 35 days to rapidly go through any and all issues on your credit report, so your credit score will improve quickly, and you can move on with life. Sky Blue offers affordable plans and a discount for couples that want to sign up together, as well. You can pause or cancel anytime without a fee, too.

Sky Blue also has additional services that can be useful for people trying to repair and rebuild their credit. For one thing, you’ll get expert guidance on the steps you should take to start rebuilding your credit from scratch. Sky Blue will also provide services like goodwill letters, cease and desist letters, and debt validation. These services are freebies that come included with your plan.

Positive
  • Pro Analysis tech for more in-depth results
  • Rapid dispute process
  • Guidance on rebuilding credit
Negatives
  • High setup fee
  • Legal services not available
7

CreditRepair

Credit repair one item at a time

CreditRepair.com Review

CreditRepair.com aims to remove inaccurate reporting from customers’ Transunion credit reports. It offers 24/7 …
  • Credit BureausTransUnion
  • Best ForDirect interaction with creditors
  • Price$99.95

CreditRepair focuses all of its energy on one thing—repairing your credit report. It picks apart negative items on your report and ensures that you get a fairer representation. So, even if the items are technically true, CreditRepair is there so that you come out sounding your best every time.

CreditRepair offers a fair monthly fee, and only a nominal initial fee to get things started. And customers will appreciate all of the tools included in the plan. CreditRepair provides a private online dashboard, so you can check your status, see what changes or improvements have been made to your credit report, and receive email alerts about important credit events. CreditRepair also has a useful score tracker and analysis tool.

Positive
  • Score tracker and analysis tool
  • Smart mobile app and online dashboard
  • Text and email alerts
Negatives
  • Fee for pulling credit reports
  • Only works with TransUnion
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