Need professional help fixing up your credit? Our experts have reviewed 41 companies and selected the top 5 credit repair services below, ranking each based on historical performance, value, customer feedback, and industry awards.
2020 Best Credit Repair Services in America
The credit repair industry often gets a bad rap. While there are shady companies that engage in less than honest business practices (and don't deliver results), there are even more reputable credit repair services that do.
With the advent of the Credit Repair Organizations Act (CROA) and online review sites helping to expose the bad operations, consumers looking to improve their credit and remove unsightly items can now find excellent credit repair services -- many of which we believe are the best credit repair services in the industry.
With our top-ranked credit repair services you get:
To help you get started on your credit repair journey, we've thoroughly researched the credit repair industry and selected only the very best reputable and trustworthy services.
Credit Saint is our top choice for the best overall credit repair service. They have been active since 2004 and have numerous accreditations including an A+ from the BBB.
Credit Saint has a 90-day 100% money back guarantee, which is the longest guarantee out of the companies we have reviewed (along with Sky Blue and The Credit Pros).
Their three differently priced plans offer basic to comprehensive services with a monthly fee ranging from $59.99 (the lowest out of all the credit repair companies we reviewed) to $99.99.
Credit Saint keeps you informed about any changes or updates in real time with their online customer portal.
The Credit People receives our top honors for best value and availability out of all the credit repair services we reviewed. They offer a mobile app and customizable text alerts that allow you to view any progress and credit repair updates made in real time. You can also receive assistance 24/7 through a toll-free number or email.
Additionally, The Credit People sends you updated credit reports on a monthly basis and updated credit scores every 90 days.
The Credit People has several accreditations that include an A+ from the BBB and an FCRA certification. An added bonus is that they are one of the few companies with a 60-day money-back guarantee.
The Credit People charges a very low setup fee of just $19 and a monthly fee of $79 ($69 with discount code TheCreditReview).
Sky Blue Credit has the lowest overall estimated cost out of all the services we've reviewed. They have two plans with a monthly fee of either $79 for individuals or $119 for couples (50% off the second member). You are required to purchase your credit reports for either $14.95 per month or a one-time fee of $39.95.
They also have the distinction of being the longest running credit repair service that we have reviewed; they have been in business since 1989.
Sky Blue Credit keeps an open line of communication with you and allows you to receive emails directly from the credit bureaus. They offer some unique services including debt validation, debt settlement, goodwill letters, and negotiation consultations along with extra educational resources such as a blog and articles on how to manage your finances and credit.
They are also unique in the fact that they are the only credit repair company that offers a 90-day, condition-free, 100% money-back guarantee.
Lexington Law is one of the longest-running and most prolific companies in the credit repair space. Since 1991, they have helped more than 500,000 clients (far more than any other credit repair company).
Lexington Law is one of the few credit repair companies that serve customers in 48 US states as well as offering extended business hours (open until midnight Eastern time on weekdays, and 11 PM Eastern on weekends). They offer three monthly plans to fit all your needs that range from $89.95 to $129.95.
Clients are connected to dedicated paralegals who give biweekly updates. Additionally, customers can receive real-time updates 24/7 through the Lexington Law mobile app.
In addition to their comprehensive services, Lexington Law has a variety of educational resources to help you better understand and manage your credit score and finances. These include articles, e-books, educational courses, videos, and an email newsletter for customers.
Credit repair is the process of removing inaccurate and unverifiable items from your credit reports by disputing them with the three major bureaus (Experian, Equifax, and TransUnion) and having them removed, which can eventually help you get a good credit score.
Absolutely. For starters, fixing your credit positively impacts your credit score, which can also affect a number of other important financial choices like qualifying and receiving better rates on home loans, personal loans, and credit cards.
Some companies may tell you otherwise, but you don't have to hire a service to dispute negative items on your credit report. You can dispute items yourself on your credit report that you feel are fraudulent or inaccurate, and, legally due to the Fair Credit Reporting Act (FCRA), the bureaus are required to respond to you within 30 days. You can do this for free and avoid all of the monetary costs that come with credit repair services.
However, if you don't want to spend time fixing your credit on your own, credit repair services can save you a lot of effort. Having an expert handle the credit repair process gives you peace of mind, and we've thoroughly researched credit repair companies to find the best and most reputable services to recommend to you.
You could potentially damage your credit by incorrectly pursuing the credit dispute process yourself but a reputable credit repair company knows what they are doing. They can use their knowledge of consumer rights and vast experience to best communicate with the bureaus and assist you with your specific financial situation.
A credit repair service can save you time that you may have spent disputing errors, gathering information, and contacting the bureaus. They may even catch inaccurate information that you may have missed if you dispute on your own.
Your credit repair company's customer service can assist with any and all concerns. They should keep you informed during the dispute process and have an online portal or mobile app that allows you to check your progress. Many credit repair companies assign you an account manager or someone you can contact 24/7 by phone or email.
Credit repair services may also offer extra tools such as credit monitoring, personalized coaching, score analysis, FICO® score tracking, identity protection, and personal finance tools.
Additionally, under the CROA, reputable credit repair companies can't make any guarantees (such as promising to raise your score by 100 points). Instead, they will work their hardest to try and legally fix your credit.
Credit repair takes time, so steer clear of any company promising immediate or unrealistic improvements in credit scores. This practice is illegal and should be a red flag for potential customers.
In general, it takes between 30 and 45 days to begin to see any changes. Credit bureaus and creditors are legally required to respond to disputes no more than 30 days following the filing of the dispute.
Most credit repair services take an average of 4 to 6 months to reach optimal results but keep in mind that each individual case is unique.
Credit repair services impose costs like monthly fees, setup fees and fees for pulling your credit report. Among the companies we reviewed, the price-per-month fee ranges from $49 to $129. Very few companies offer a pay-per-deletion option.
Each company in our review charges some type of initial setup fee. These fees cover things like paperwork, setting up a plan that's best for disputing the hits on your credit and, sometimes, the cost of pulling your credit report. Some charge a separate fee for pulling your credit report while still others require that you pull your own credit report or use a free trial of a third-party service to pull your own report.
Each service in our review offers a discount if you and a partner sign up together. These savings come in different forms and might include a discount on the monthly fees, waiving the setup fee, a percentage off or another discount, depending on the company. Many credit repair companies also offer a 100% money back guarantee.
Credit repair companies focus on removing questionable, inaccurate, or unverifiable items from credit reports, such as collections, late payments, charge-offs, liens, bankruptcies, repossessions, foreclosures, and judgments.
Another claim made by some credit repair companies is that they can improve your credit, no matter what's negatively impacting your report. Remember, though, that bureaus and creditors are only going to remove items if they are inaccurate or can't be proven. For example, if you have a couple of late payments listed on your report, but you have receipts showing they were paid on time, these items will most likely be removed from your report.