Is your credit score too low? Don’t panic! You can still repair your credit by signing up with one of the best credit repair companies we’ve selected for you.
A less-than-stellar credit score may prevent you from getting good loan deals, if at all. Not to mention, you’ll have a hard time buying a new house or car. So, while repairing your credit may take a while, it’s all worth it in the end.
In this guide, we’ve reviewed some of the best credit repair companies in the country. Now, let’s explore what each of them has to offer in more detail!
Best Credit Repair Companies of 2021
1. Credit Saint
Credit Saint is one of the most reputable credit repair companies in the country. Founded in 2004, the company has been around for quite a while now, serving thousands of customers who need to repair their credit.
The company has an A+ score from the Better Business Bureau, which speaks volumes of how professional it is.
Credit Saint offers 3 packages: Credit Polish, Clean Slate, and Credit Remodel. The Credit Polish package is the basic package, and it includes late payments, charge-offs, identity thefts, and collections challenges but excludes bankruptcies, judgments, and repossession challenges.
However, keep in mind that the number of challenges is limited to 5 only. The package costs $79.99 per month.
On the other hand, the Credit Remodel package costs slightly more, setting you back $99.99 per month. With this package, you get to enjoy all of the challenges offered in the Credit Polish package, with the addition of repossessions and bankruptcies.
The Clean Slate package is an all-inclusive one. It’s pretty much the same thing as the Credit Remodel package. The only difference is that you get unlimited challenges every month, unlike the Credit Remodel package, which limits your challenges to just 10 per month.
It’s also worth noting that almost all of the packages can make challenges to all 3 credit bureaus. You also get features like score tracking, score analysis, creditor interventions, inquiry targeting, and Experian monitoring with the Credit Remodel and Clean Slate packages. The Credit Polish package lets you enjoy the same features, with the exception of inquiry targeting and Experian monitoring.
Our only problem with this company is the setup fee, which is currently priced at $99 for the Credit Polish and Credit Remodel packages and $195 for the clean state package. That’s a bit high, especially that some credit repair companies don’t even charge a setup fee.
The Credit People is a credit repair company founded in 2001. The company is quite flexible with its pricing plans; you can either pay on a per-month or semi-annual basis.
We’d recommend that you opt for the semi-annual payment method because it’s the more economical option down the line, especially if you need to remove a significant number of negative items from your credit report.
If you’re dealing with a minor issue, the monthly subscription model would be the better option since you can only subscribe for a month or two only, then cancel your contract when you need to.
The monthly plan is currently priced at $79/month, with a setup fee of $19, while the semi-annual package costs a flat fee of $419.
Whichever plan you pick, you’ll get access to a personal online account that supports push notifications, ensuring that you’re alerted about changes to your account in real-time. You can easily access your account using your computer or mobile device.
The Credit People maintains a C+ rating with the Better Credit Bureau. Based on statistical data collected by the company, The Credit People has helped their customers boost their credit scores by up to 187 points, which is a pretty good upper limit for a credit repair company.
It’s also estimated that the company managed to successfully omit more than 1.4 million negative items from their customers’ credit reports, which is quite impressive.
The downside is that The Credit People doesn’t offer a money-back guarantee. The good news is that customer reviews are pretty promising.
Lexington Law was founded in 1991, making it one of the oldest credit repair companies in the country. The company originally started as a law firm that offers legal solutions to its clients. Over the years, it expanded its portfolio with more services, including credit repair services.
The company currently has 3 plans: Concord Standard, Concord Premier, and PremierPlus. Concord Standard is the basic package that lets you dispute negative items on your credit report with creditors and credit bureaus. It costs $89.99 per month.
The Concord Premier is a higher tier package that includes all of the services offered in the Concord Standard package, plus score analysis and TransUnion alerts. The plan costs $109.95 per month.
The all-inclusive plan, PremierPlus, provides some extra services like credit score monitoring and identity theft protection. Additionally, you get exclusive access to some personal finance tools that can help you manage your finances in a more professional and efficient way. It’s priced at $129.99 a month.
Lexington Law’s setup fee is just $6.99, the lowest of any other credit repair companies out there. The company’s rating with the Better Business Bureau is C.
Unfortunately, Lexington Law doesn’t offer a money-back guarantee, which is kind of a letdown considering that almost all credit repair companies have it. Nevertheless, the company has a considerable number of positive reviews, which is a good indicator of how trustworthy it is.
Founded in 2004, the Credit Assistance Network is a small credit repair company based in Florida.
The Credit Assistance Network has a somewhat eccentric payment system. Instead of charging you a monthly flat fee, you pay $179 right after signing up, then $50-$75 for every item the company successfully removes from your credit report.
We’re not sure how we feel about this pricing plan. $50 to $75 in exchange for a few extra points to your credit score sounds fair enough, but paying $179 just to enroll? Doesn’t sound very persuasive.
Also, keep in mind that the $50-$75 per removal pricing range is only valid if the negative item is present in just one credit bureau’s report. This means that if the item is listed down on your credit reports from 2 different credit bureaus, you’ll have to pay anywhere from $100 all the way up to $175.
Additionally, if you sign up with your partner, you get a 20% discount on the 2nd enrollment. Setting its pricing system aside, the company has some pretty promising customer reviews.
If you’re looking for a flat-fee credit repair service, Pyramid Credit Repair would be your best bet. The company charges you a flat fee in exchange for the services they offer, meaning that you can just cancel anytime you want.
The company was founded in 2011, and while it’s not a name that many people come across, Pyramid Credit Repair is definitely a worthy option to consider.
Pyramid Credit Report has 2 plans for you to pick from: a singles plan and a couples plan. With both plans, you get text and email alerts, a personal account manager, and access to a dashboard that gives you a quick overview of the current status of your disputes. You can also pause your account whenever you want to.
You can optionally opt for identity theft protection for an extra $30 per month. It’s also worth mentioning that the company offers a 90-day money-back guarantee. You can request a refund if the service didn’t yield the results you’d expected.
The singles plan costs $99 per month, while the couples plan $198. If you’re a war veteran or an active duty service member, you become eligible for a 20% discount. Teachers also can enjoy a 15% discount when signing up for the company’s services.
Ovation Credit Services is a leading credit repair subsidiary of Lending Tree, a well-known online lender. It offers both credit repair and credit monitoring services.
You get two packages to choose from: Essentials and Essentials Plus. With the Essentials plan, you can get in touch with a personal case advisor that’ll help you identify the inaccurate information on your credit report and whether it’d be a good idea to dispute it.
Once you’ve pinpointed the negative items you’re going to target, the company will handle the rest behind the scenes and send the dispute letters for you. The Essentials plan costs $79 per month.
On the other hand, the Essentials Plus plan has pretty much everything you get in the Essentials plan, with a few extras. The primary difference is that you’re eligible to send unlimited dispute and goodwill letters, which can be quite handy if your credit report keeps listing unexpected negative items.
What’s more, the Essentials Plus plan allows you to monitor your TransUnion credit. You also get a personalized recommendation letter that can help you secure better loan deals in the future. The Essentials Plus plan is currently priced at $109.
Keep in mind that with both plans, you have to pay an $89 setup fee. We’re not a big fan of the whole “setup fee” thing, especially when it’s anything more than $20, but it’s pretty common among credit repair companies.
Ovation has an online portal that all clients can access to keep track of their accounts. However, you need to contact a customer service representative by phone at 866-639-3426 to sign up for the company’s credit repair services.
You can also sign up for free phone consultation if you want to know where you stand.
A representative will drop you a call to discuss whether opting for credit repair would be feasible for your particular case.
Sky Blue Credit Repair is one of the most established credit repair companies in the country. Founded in 1989, the company has helped thousands of customers get their credit score back on its feet.
Currently, the company offers only one subscription plan, which makes things less confusing for customers. Benefiting from the company’s services would cost you $79 per month. You also have to pay a setup fee of $79. On a side note, the company offers discounts for couples, but it’s not clear how much of a discount you get.
It’s also worth mentioning that you can easily cancel your contract whenever you want to. Just contact a customer service representative to pause your account.
Some of the services you get after signing up include debt settlement negotiation, debt validation, goodwill letters, credit reports and monitoring, and cease and desist letters.
Sky blue Credit Repair offers a 90-day money-back guarantee for its customers, so in case you don’t get any items removed from your credit report, you become eligible to request a refund.
The only potential dealbreaker about Sky Blue Credit Repair is that the company isn’t accredited with the Better Business Bureau. It does maintain an A+ score, though. It’s also worth noting that the company received two complaints through the Consumer Financial Protection Bureau.
AMB Credit Consultants was founded in 2010, and since then, it’s helped thousands of customers improve their credit score by disputing false claims on their reports.
One of the features that make AMB Credit Consultants stand out from the crowd is their financial literacy courses that familiarize customers with good financial practices and how to make reasonable credit decisions to maintain a robust financial profile.
Another key strength of this company is that it offers a generous 6-month money-back guarantee, so you can request a refund if you couldn’t get any negative items removed from your credit report. Most companies offer a 90-day money-back guarantee at most.
Moving on to the plans, the company currently offers 2 packages: AMB Credit Empowerment Individual and AMB Credit Empowerment Couple. As you can tell, the Individual plan is made for single accounts, while the Couple account lets you open a joint account with your spouse.
With both plans, you get to enjoy a multitude of services that include credit education, fast response to the latest collection letters, and unlimited case reviews and disputes. You can also benefit from cease and desist letters.
The Individual plan is priced at $99 per month, while the Couple plan would cost you $149 per month. It’s also worth noting that once you sign up for AMB’s credit repair services, you must commit to a minimum of 6-9 months of service. As the company claims, this is the required amount of time needed for you to notice significant results.
The downsides? Well, for starters, AMB Credit Consultants maintains a C rating with the Better Business Bureau. It’s also not accredited, but no need to worry because there aren’t any reported complaints with the Consumer Financial Protection Bureau.
It’s also worth noting that you’ll be charged a $99 setup fee after you sign up for the company’s services.
The Credit Pros offer well-rounded packages that include a handful of credit repair and financial services.
It was founded in 2009 in Newark, New Jersey, and since then, the company has improved drastically, and its reliance on Artificial Intelligence is one of the latest developments that happened in the company.
Currently, The Credit Pros offer 3 packages for you to pick from, including the Money Management, the Prosperity, and the Success package. The Money Management plan is the entry package that includes TransUnion credit score monitoring, budgeting, bill reminding, and access to ID cover. The package costs $49 per month, making it the cheapest plan offered by the company.
The second package, known as the Prosperity package, gives you all the privileges of the basic package, with the addition of SlashRx prescription discounts and The Credit Pros legal and debt services. This package costs a little more than double the amount you’d pay for the Money Management package, setting you back $119 per month.
As for the Success package, it offers pretty much the same services that the prosperity package offers, with some extra financial features that can help you get your financing on the right track. The Credit Pros charges $149 per month for this package.
On top of all that, all 3 packages include Unlimited dispute letters, one-on-one consulting service with a certified FICO professional, goodwill letters to creditors, debt validation letters, and cease and desist letters to collections agencies. You also get access to an online client portal.
The company even offers a 90-day money-back guarantee in the event that no negative items were removed from your credit report within that period. The Credit Pros boast an A- rating with the Credit Business Bureau.
10. Credit Firm
Credit Firm is one of the few credit repair companies that provide its customers free credit report audits. Once you sign up with a Credit Firm, you can request a credit report audit by a licensed attorney.
The company was founded in 1997, and it has a good number of positive customer reviews. It’s not really one of the most well-known companies out there, but its solid reputation makes it worth considering.
At just $49.99 per month, Credit Firm is one of the most affordable credit repair services in the country. You can cancel your contract anytime you want, and you won’t be charged any cancellation fees.
The company’s services include unlimited disputes and a personal account manager. Also, all of your letters and documents will be reviewed by a lawyer before they’re mailed to creditors and credit bureaus. Unfortunately, the company doesn’t provide extra features like score analysis and credit monitoring.
Do you want to remove the negative items on your credit report as fast as possible? Then signing up with Pinnacle Credit Repair might just be what you’re looking for. The company is one of the fastest credit repair services in the country. It could take just 2-4 weeks to get negative items removed from your credit report.
Currently, Pinnacle Credit Repair offers 2 tiers of services: Fast Track and Fast Elite Track. The main difference between the two plans is how they’re priced.
With the Fast Track plan, you have to pay $199 to enroll, then $99 a month. On the flip side, the Fast Track Elite plan requires you to pay $1500-$2000, in addition to the same sign-up fees of the basic plan.
The Fast Track plan is ideal for those who have a limited number of negative items to dispute since they won’t take a long time. Per contra, the Fast Track Elite plan guarantees that the company will dispute an unlimited number of negative items for you, making it a better choice for those who have a lot of negative items on their credit reports.
Based on customer reviews and statistical data collected by the company, many customers were able to boost their credit score by up to 100 points in as little as a month from signing up.
It’s also worth mentioning that the company offers a 120-day money-back guarantee on the Fast Elite Track plan.
12. Credit Glory
Credit Glory is a relatively new credit repair company that was founded in 2016. The company is still in a “growing” phase, meaning that its results aren’t always consistent, or at least that’s what the customer reviews are signaling.
The reviews are a bit mixed. Some people praised the company’s credit repair services, acknowledging that they were able to kick their credit scores up a notch several weeks after signing up for the service.
On the other side of the coin, the number of negative reviews is high enough for you to be alarmed. The good news is that the company responds to most negative reviews, which implies that they actually care about their customers.
Credit Glory offers a single plan for its customers that costs $99 per month. You also have to pay a setup fee of $199, which is a bit high compared to what other companies charge.
Oh, and if you fall prey to identity theft, you can dispute each fraudulent inquiry for $79. Alternatively, you can pay a flat fee of $799 if you want to dispute more than 10 inquiries.
The company offers a 90-day money-back guarantee for its customers, meaning that you may become eligible to request a refund in the event that the service failed to remove any negative items from your credit report.
On a final note, the company offers free consultations for its potential customers.
13. Credit Versio
The last credit repair company on our list is Credit Versio. The company’s approach to credit repair is completely different from that of other companies.
Instead of doing work on your behalf, the company gives you access to a mobile app that you can use to scan your credit report. The app uses Artificial Intelligence to detect the negative items on your credit report so you can dispute them.
There are 3 plans to pick from. The SmartCredit® BASIC plan would set you back $19.95 per month, while the SmartCredit PREMIUM and IdentityIQ plans cost $24.95 and $29.95 per month, respectively.
The basic plan lets you dispute items on the reports of all 3 credit bureaus. It also includes identity theft insurance and credit monitoring and alerts.
The premium plan offers all of the services of the basic plan, with the addition of unlimited action buttons and unlimited smart credit reports.
Finally, the IdentityIQ plan offers more or less the same features as the premium plan. The only difference is that it includes “more aggressive” monitoring of your credit.
What Is Credit Repair?
Credit repair is the process of attempting to dispute a negative item(s) on your credit report in the hope that it helps increase your credit score by some points.
A poor credit score usually results from a bad history of failing to make your loan or credit card payments on time.
Here are some of the things people do to repair their credit:
- Applying for bad credit loans and making the payments on time
- Applying for bad credit purchasing cards
- Signing up with a credit repair company
However, in some cases, your credit report may contain wrong information about your financial activities. A negative item on your credit report can give a major blow to your credit score if you don’t attempt to get it removed.
In that case, you can try sending a 609 letter to the credit bureau to dispute one or more of the items on your credit report. However, this method may not work every time. Some people had success with it, though.
Your best alternative is to opt for a reputable credit repair company to handle the credit repair process for you.
Difference Between Credit Repair and Debt Settlement
There’s a common misconception that credit repair and debt settlement are more or less the same things, but that’s simply not true.
As we’ve mentioned, credit repair is disputing debts on your credit report, which means that you claim the debt isn’t legit. On the other hand, settling your debt with a creditor implies that you acknowledge the debt and are working on repaying it to get it removed from your credit score.
How a Credit Repair Company Can Help You Get Your Credit Back on Its Feet
A credit repair company is a corporation that specializes in helping customers repair their credit efficiently. Several federal and state laws allow customers to dispute negative items on their credit reports themselves, but it can be a daunting prospect.
Credit repair companies let you take care of other more important things in your life while they take all the necessary measures needed to repair your credit.
How to Choose the Right Repair Company for Your Needs
Here are some of the factors to keep in mind before signing up with a credit repair company:
Many credit repair companies offer a 90-day money-back guarantee. If the company failed to repair your credit (to some extent, at least), you’d be able to request a refund with no questions asked.
A money-back guarantee can be a good sign that the company is legit and can actually help you with your credit repair process.
The whole point of removing negative items from your credit report is to improve your credit score and get better loan deals with lower interest rates. This means that signing up with an expensive credit repair company to remove a minor negative item on your credit report would just defeat the purpose.
Some companies may charge extras because they offer more benefits in the contract, but in many cases, you may not need all the services that you get when you sign up. It’d be better to opt for a cheap credit repair service with lower fees if it provides the services you need for your particular case.
Some credit repair companies may charge you a “setup” fee once you sign a contract with them. And while credit repair companies are prohibited from charging their customers any fees before work is done, some companies manage to manipulate the law by doing work without your authorization. Companies usually call it “setup fees”.
We’d recommend that you steer clear of companies that charge high setup fees because you can easily find a plethora of cheap credit repair services that charge a small fee.
Customer Service and Support
When you sign up with a credit repair company or even display a slight interest in signing up with them, you’ll likely need to get in touch with customer support frequently.
If you’re still learning about the company, you’ll probably want to talk to someone and get a better explanation of how the company’s services work and how the sign-up process goes. You’ll also need to contact customer support throughout your registration period with the company to monitor your dispute progress.
Some companies assign a dedicated customer service representative for each customer, which is the ideal way to go since it’ll be much easier for you to deal with the same person every time, especially that they’ll be familiar with your particular account. If that’s not available, then you should at least be able to contact customer support and get your inquiries answered as quickly as possible.
Unfortunately, some credit repair companies have slow, unresponsive customer support systems. Usually, these companies outsource their customer support systems, which makes things even worse because the representatives won’t likely have enough expertise to help you out.
How Much Does Credit Repair Cost?
Typically, it’d cost you anywhere from $70 all the way up to $140 per month to repair your credit with a credit repair company.
However, not all companies use the same pricing systems. Some companies may charge you on a per-month basis, while others ask for a flat fee. But keep in mind that companies that charge you monthly may impose a limit on the number of dispute letters that are sent each month.
It’s also worth noting that some companies charge their customers for every single deletion.
Are Credit Repair Companies Trustworthy?
Many credit repair companies are quite trustworthy and have actually helped thousands of customers repair their credit.
You still need to beware of fishy companies that scam their customers by making fake promises, asking for money upfront, or not giving them written contracts of what to expect out of the service. Some companies may even claim that they can remove accurate information on your credit score just to sell you.
We’d recommend that you only go for trusted credit repair companies that people have tried before. All of the companies we’ve reviewed are 100% legit, so no need to worry.
How Long Will It Take Me to Repair My Credit?
It depends. If you have several inaccurate negative items on your credit report, the process will likely take months before you start seeing any noticeable results. In many cases, you’ll have to wait 3-8 months for your efforts to show up.
Nevertheless, if you only have one or two negative items, things should move much quicker. You could get the whole process done in 30 days or less.
Is It Legal to Opt for a Credit Repair Company?
Sure. Signing up with a legitimate and registered credit repair company that’s compliant with federal and state laws is 100% legal. All citizens or permanent residents of the United States have the right to dispute any of the items on their credit reports.
The Credit Repair Organizations Act (CROA) is a federal law that’s fully dedicated to regulating the activity of credit repair companies. It states that the customer has the right to make a written agreement with the credit repair company during the sign-up process.
It also disallows credit repair companies from making claims about “guaranteed results” or asking for money before any work is done. It’s OK for the company to offer a money-back guarantee in the event that their work hasn’t produced results, though.
Additionally, credit repair companies must provide the customers with the option to cancel the contract any time they want.
Can Credit Repair Companies Help With Identity Theft?
Definitely! If you’re a victim of identity theft, a credit repair company can help you remove the items that were a result of the thief’s actions.
Credit bureaus are required by law to omit fraudulent items from your credit report. You still need to provide proof for your claim, though, which is why many people just let a credit repair company handle the whole thing.
Credit repair companies are fully aware of the ins and outs of fraudulent activities and how to dispute them. Many companies even offer customized plans for customers who have fallen prey to identity theft. The plans usually include some form of identity protection service.
How Do I Sign up for Credit Repair?
Signing up with a credit repair company is pretty straightforward; just follow these steps:
- Know your options. There are many credit repair companies across the states, which is why you need to take your time deciding which company to sign up with based on its benefits and your own financial goals. You also need to keep your budget in mind.
- Check the company’s website. Once you’ve settled on a particular company, check out their website to understand how the enrollment goes.
- Sign the contract. Once you’ve developed a good idea about what you’re applying for, sign the service’s contract.
How Do I Know If I Should Dispute a Certain Item on My Credit Report?
If you’re not sure whether you should dispute a particular negative item on your credit report, you can book a consultation with an expert from any of the credit repair companies that offer free consultations.
You might even get a better idea about the likelihood that this item could be removed from your credit report. You don’t want to pay for an expensive credit repair service if you don’t have a good chance of getting rid of the false claims that brought down your credit score.
To recap, trying your luck with a credit repair company is definitely worth it. Yes, there’s no guarantee that you’ll see results in a specified period, if ever, but that shouldn’t stop you from attempting to repair your credit.
If you’re almost sure that some items on your credit report are false claims, then, by all means, get in touch with a credit repair company and work on disputing them as quickly as possible.
You may not realize this immediately, but a good credit score can positively shape up your future financial goals and decisions, and maintaining it should be at the top of your financial agenda.