5 Best Credit Repair Companies Of 2018

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.

2018 Best Credit Repair Services in America

Why Use A Professional Credit Repair Company?

The credit repair industry often gets a bad rap. In the past, there have been shady credit repair companies that engaged in less than honest business practices and delivered little to no results to their clients. With the advent of the Credit Repair Organizations Act (CROA) and online review sites helping to expose the bad operations, credit repair is now a legitimate solution for consumers looking to improve their credit situation and fix negative items on their reports.

With our top-ranked credit repair services you get:

  • Easy-to-read credit reports and personalized score improvement insights
  • Tools & tips to help you understand your score and take the next step to fix up your credit reports
  • Free credit monitoring that can help you spot potential identity theft before it occurs

To help you, we have thoroughly researched the credit repair industry and selected only the very best services we feel are reputable and trustworthy.

Best Overall Credit Repair And Customer Service: Credit Saint

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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.

Pros:

  • 90-day 100% money back guarantee
  • A+ BBB accredited service
  • Monthly pricing starts from $59.99

Best Pricing, Best Money Back Guarantee, And Longest Time In Business: Sky Blue

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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 $69 for individuals or $99 for couples. 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.

Pros:

Cons:

  • You must sign up for third-party credit monitoring.
  • You do not receive a dedicated customer representative.

Most Value-Added Services And Best Nationwide Service: Lexington Law

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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.

Pros:

  • Customers receive a dedicated paralegal for your case.
  • Clients receive 24/7 real-time updates through a mobile app.

Cons:

  • Lexington Law is not BBB accredited.
  • There is no money-back guarantee.

Best Availability And Best Credit Repair Tracking: The Credit People

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The Credit People receives our top honors for best 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 a 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 setup fee of $39 and a monthly fee of $89.

Pros:

  • The Credit People has one of the lowest setup fees in the industry -- only $39.
  • They have a 60-day 100% money back guarantee.
  • They have several industry accreditations.
  • Customers are given updates in real time through a mobile app and customizable text alerts.
  • The Credit People can be reached 24/7 through a toll-free number or email.
  • They are available in all 50 states.

Cons:

  • The Credit People has not been in business as long as many of their competitors.

Frequently Asked Questions

Can I Repair My Credit On My Own?

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 the time or go through the stress disputing items yourself, 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.

How Can Credit Repair Companies Help Me?

You could potentially damage your credit score further by incorrectly pursuing the credit dispute process yourself. A professional credit repair service can apply their knowledge of credit laws and vast experience helping past clients to best assist with your specific financial situation.

How Long Does It Take to Repair Your Credit?

In general, it takes between 30 and 45 days to begin to see positive results from credit repair efforts. Credit bureaus and creditors are legally required to respond to disputes no more than 30 days following the filing of the dispute.

Further, with the exception of two companies, Park View Credit and 180 Credit Solutions, eight of the companies on our lineup did not require a contract, so you can cancel the service at any time.

What Does Credit Repair Cost Me?

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.

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.

What Items Can Be Removed From My Credit Report?

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.