9+ Best Credit Repair Companies That Will Help You Rebuild Your Credit In 2023

Updated: January 27, 2023

Written by Eddy Ballesteros

Are you tired of feeling trapped in a cycle of bad credit and financial stress?

Unfortunately, not all credit repair companies are created equal. Some may offer empty promises and even engage in fraudulent or unethical practices, leading to even more financial problems in the long run.

That's why it's crucial to research and choose a reputable credit repair service that can help you rebuild your credit and achieve your financial goals. But before we continue, here's a quick overview of the best rated credit repair companies.

Eddy's Pick

Credit Saint Dark logo

Credit Saint

A+ better business bureau

Free Consultation

90-day Money Back Guarantee

After researching and starting my own credit repair business, I will introduce you to the best companies that offer this service. Most of these credit repair agencies care and will do anything to help individuals like you improve their credit scores and get back on track.

We'll also provide tips on avoiding the bad actors and deciding which credit repair company best fits your specific needs and budget.

What Are The Best Credit Repair Companies And Services To Use?

You're not alone if you're frustrated and need help figuring out where to turn for help with your low credit score.

The credit repair industry is full of companies making big promises, and knowing which ones are worth trusting with your sensitive financial information can be tricky. That's why we've researched for you and compiled this list that offers free consultations and has a proven success track record.

Finding the Right Credit Repair Company

By taking advantage of a free consultation, you can get your questions answered and get a better idea of the company's process and customer service before committing to any services.

Whether you're looking to repair your credit after financial setbacks or improve your score, these credit repair companies can help you achieve your financial goals. Let's find out my top recommended services.


  • Best Credit Repair Company: Credit Saint
  • Best For Affordable Services: Sky Blue
  • Best For Customer Service: Lexington Law

1. Credit Saint

Best Credit Repair Service

Credit Saint

Credit Saint is a well-established credit repair company based in New Jersey. They have developed a reputation for helping their clients improve their credit scores and financial health. What makes them so great is also their 15 years of credit repair experience.

They have a simple process to get you started, which first involves getting a credit report from all three major credit bureaus. Your credit repair specialist will review your credit reports and verify your file's negative or positive items.

Once this has been done, you'll get an optimized report of what needs to be done to get a good credit score.

Key Features:

  • Credit monitoring: Credit Saint offers ongoing credit monitoring to help you stay on top of your credit reports and alert them to any changes or potential issues.
  • Unlimited disputes: Credit Saint's team of professionals will work to dispute any errors or negative items on your credit report, with no limit on the number of disputes they will file on your behalf.
  • Online dashboard: Credit Saint provides clients with access to an online dashboard where they can track the progress of their credit repair efforts and see the results of their disputes.
  • Credit repair: In addition to disputing errors on your credit report, They offer a range of credit repair services to help their clients improve their credit scores and financial health.

Pricing:

Credit Saint offers three pricing tiers for credit repair services: Credit Polish, Credit Remodel, and Credit Premium. Each plan includes credit monitoring and unlimited disputes, with the higher pricing plans offering additional features and support. Prices for each tier are as follows:

  • Credit Polish: $79.99 monthly, plus a $99.00 initial work fee.
  • Credit Remodel: $99.99 monthly, plus a $99.00 initial work fee.
  • Credit Premium: $119.99 monthly, plus a $195.00 initial work fee.

It's important to note that their credit repair packages may vary depending on your specific needs and circumstances, so it's best to contact them directly and get a free credit score analysis.

2. Sky Blue Credit Repair

Top Credit Repair Company with Low Fees

Sky blue Credit

Sky Blue Credit Repair is a trusted and legitimate credit repair company with over 30 years of experience helping clients improve their credit scores. Their credit repair service sends letters to the credit bureaus and keeps you updated every month.

If that isn't good enough, you also get a suite of personal finance tools, such as an online dashboard and free credit reports.

Their powerful credit repair solution works by quickly and effectively disputing issues on your credit reports, with a rapid 35-day dispute cycle and custom disputes tailored to your specific situation.

In addition to credit repair, Sky Blue Credit offers services to help their clients rebuild their credit and improve their financial well-being. These services include score assistance, credit rebuilding, debt validation, goodwill letters, and coaches-on-call sessions.

Key Features:

  • Faster disputes:  They work on a rapid 35-day dispute cycle, ensuring that your credit reports are updated quickly and accurately.
  • Custom disputes: Get tailored dispute letters to your specific situation, ensuring that the most effective approach is to dispute any errors or negative items on your credit report.
  • Score assistance: Get strategic score optimization to help you improve your credit scores over time.
  • Credit rebuilding: They can help you open new accounts and rebuild your credit history.
  • Debt validation: Feel reassured that they challenge and verify any debts that may negatively impact your credit score.
  • Goodwill letters: They can also appeal directly to creditors on your behalf, using goodwill letters to request that negative items get deleted from your credit report.
  • Coaches-on-call: Get support sessions with credit experts on demand, allowing you to get personalized advice and guidance.

Pricing:

Sky Blue Credit Repair offers a single, all-inclusive pricing tier for their credit repair services. The cost is $79 per month, with a $79 initial fee for the first month.

Payment is flexible, with the option to pause your service or cancel anytime with a click. Sky Blue Credit Repair's features are included in this one low price.

As all credit repair companies should, Sky Blue offers a 90-day money-back guarantee.

3. Lexington Law

Best For Credit Coaching And Lawyer Drafted Templates

Lexington Law

As a trusted leader in the credit repair industry, Lexington Law has been around for many years, helping people improve their credit scores. They have so much success as a credit repair agency because of the lawyer-drafted dispute letters they offer.

They offer a three-step credit repair process that includes a free online credit report consultation, free credit score, free credit report summary, and a free credit repair recommendation. With an impressive 89% of their clients seeing an average increase of 40 points in their credit scores while working with Lexington Law, it's no wonder they have gained such a strong reputation in the industry.

Key Features:

  • Challenge the credit bureaus: Dispute any errors or negative items on your credit account with the credit bureaus.
  • Creditor interventions: Work with creditors to resolve any negative items on your credit report.
  • Inquiry assist: Remove any unnecessary or unauthorized inquiries from your credit report.
  • ID theft insurance: Protect yourself from identity theft and its adverse impacts on your credit.
  • DebtHandler: Manage and pay off your debts more effectively with this tool.
  • Report watch alerts: Receive alerts about changes or updates to your credit report.
  • TransUnion FICO score: Access your TransUnion FICO score to track your progress and see the impact of credit repair efforts.
  • Lost wallet protection: Recover your lost or stolen wallet and protect your personal information.
  • Personal finance manager: Track and manage your finances more effectively with this tool.
  • Junk mail reducer: Reduce the amount of unwanted mail you receive, including credit card offers and other financial solicitations.

Pricing:

Lexington Law offers four different pricing plans to choose from, each with important features and benefits. Prices for each service are as follows:

  • Premier Plus: $139.95 per month
  • Concord Premier: $119.95 per month
  • Concord Standard: $99.95 per month
  • Basic Standard plan: $59.95 per month

In addition to its credit repair services, Lexington Law offers credit monitoring to help you stay on top of your credit reports and alert you to any changes or potential issues.

4. The Credit People

Best credit improvement services with affordable plans

The Credit People

This is one of the most reputable credit repair companies that has been helping clients increase their credit scores for over 15 years.

They provide a free online dashboard allowing you to view your credit reports with each bureau. They offer an Unbeatable Satisfaction Guarantee that gives you the option to ask for your money back if you aren't satisfied with the results of their services.

The Credit People are also certified by the FCRA (Fair Credit Reporting Act), demonstrating their commitment to ethical and practical credit repair.

Key Features:

  • Unlimited disputes: Dispute any errors or negative items on your credit report with no limit on the number of disputes filed.
  • Debt & inquiry validations: Validate debts and inquiries to ensure that only accurate information is reported on your credit report.
  • Customized credit priorities: Work with you to identify and prioritize the specific credit issues that are most important to you.
  • Escalated disputes: Escalate disputes with the credit bureaus to ensure that your credit reports are updated accurately and promptly.
  • Monthly credit score updates: Provide regular updates on your credit score to help you track your progress and see the impact of credit repair efforts.
  • Transparent upfront costs: Upfront about their costs and fees, so you know exactly what you're paying for and can budget accordingly.

Pricing:

The Credit People has a unique pricing plan that only a few other credit repair companies are willing to do. They offer two pricing options for credit repair services: a standard monthly plan and a standard flat rate. Prices for each package are as follows:

  • Standard monthly: $79 per month
  • Standard flat rate: $419 flat rate (includes a one-time $19 setup fee)

The standard flat rate plan includes unlimited credit issue challenges with all three credit bureaus, score analysis, creditor interventions, customized credit priorities, credit score "before & after" updates, and monthly credit score updates.

It's a pay-as-you-go plan, so you only pay for the services you need.

5. The Credit Pros

The Credit Pros

The Credit Pros is one of the most reputable credit repair companies that stands out for its unique offering of traditional disputing services and AI DIY solutions for those who want to repair their credit independently.

The Credit Pros was founded by a team of credit law experts and is dedicated to ensuring everyone has access to the same information and resources for improving their credit.

With this credit firm, you'll get easy-to-read credit reports, personalized score insights, and credit monitoring at no additional charge to help you spot potential identity theft.

In addition to unlimited disputing, they also provide educational and personal finance tools to help you budget and manage your finances more effectively.

Most credit repair companies leave you in the dust, but the credit pros will ensure you have a good foundation after you've fixed your credit.

Key Features:

  • One-on-one with a NACSO-certified specialist: Receive personalized support from a NACSO-certified specialist to help you achieve your credit repair goals.
  • Cease and desist letters to collection agencies: Send cease and desist letters to collection agencies to stop harassing phone calls and letters.
  • Credit builder loan options: Explore credit builder loan options to help you rebuild your credit and improve your credit score.
  • Personal finance tools for budgeting: Use a range of personal finance tools to help you budget and make better decisions with your money.
  • Identity theft insurance: You'll get ID Cover® Darkweb monitoring.

Pricing:

The Credit Pros offers three pricing plans, each with features and benefits. Prices for each plan are as follows:

  • Money Management: $69 per month, with a $119 first work fee
  • Prosperity: $119 per month, with a $119 first work fee
  • Success Plus: $149 per month, with a $149 first work fee

All The Credit Pros' pricing plans include a free consultation to help determine the best plan for your needs and budget. 

6. CreditRepair.com

CreditRepair.com

From the name alone, this is a top reputable credit repair company that offers affordable services for people with all credit levels. They work with all three major credit bureaus and provide free credit score resources, expert coaching, support, and custom action plans to help you achieve your credit goals.

They use a simple credit repair process that isn't a secret but works.

  • Check: They will check your FICO score, including your credit history and any negative items.
  • Challenge: Then, they will start challenging the major credit reporting agencies and creditors showing those negative or incorrect items.
  • Change: You'll get other credit repair services, such as 24/7 credit score monitoring and identity theft protection.

Creditrepair.com also has offices in West Valley City, Utah, and Phoenix, Arizona.

Key Features:

  • Stay on top of your credit with our mobile app: CreditRepair.com offers a mobile app that makes it easy to access your credit reports and track your progress anytime, anywhere.
  • Keep all your financial information in one place: They provide a personal online dashboard that allows you to view all of your credit reports and other important financial information in one convenient location.
  • Monitor your credit score and see the results of our efforts: Get FICO credit score monitoring to help you track your progress and see the impact of our credit repair services on your credit score.
  • Over a decade of experience helping people improve their credit: Since 2012, they have worked hard to improve their credit scores.

Pricing:

CreditRepair.com offers three pricing plans to choose from the Direct plan, the Standard package, and the Advanced package. Prices for each plan are as follows:

  • Direct: $69.95 per month
  • Standard package: $99.95 per month
  • Advanced package: $119.95 per month

It's worth noting that CreditRepair.com does not offer a service guarantee, which is something to consider when choosing a credit repair company. However, their transparency about this fact is reassuring and shows their commitment to honesty and integrity.

8. Pyramid Credit Repair

Pyramid Credit Repair

Pyramid credit repair is one of the top credit repair companies that provide professional and customized dispute letters by their experts. On top of that, they provide a 100% Money Back Guarantee and have an affordable monthly fee.

Many credit repair companies charge miscellaneous and hidden fees, but at Pyramid credit repair, you get what you pay for.

So if you're ready to take control of your credit and start rebuilding your financial future, sign up for a free consultation with their friendly and knowledgeable credit team.

Key Features:

  • Dedicated Account Manager: Get a credit professional to answer all of your questions.
  • Access to Online Dashboard: feel safe knowing you can check your online account for any updates on your disputes.
  • Get Monthly Progress Reports: Know your credit score without guessing.
  • Text and email alerts: Get updates via your phone.
  • Flexible billing: Get the chance to cancel, pause or upgrade your plan. 

Pricing:

Pyramid Credit offers three credit repair packages: Basic, Gold, and Platinum. Prices for each plan are as follows:

  • Basic: $79 per month
  • Gold: $119 per month
  • Platinum: $299 per month

It's worth noting that Pyramid Credit also has a one-time setup fee, which is added to the first month's payment.

It's unclear how much this setup fee is or what it covers, so it's worth contacting Pyramid Credit directly to get more information.

9. Ovation Credit Services

Ovation Credit Repair

Ovation Credit Services is a credit repair company that aims to help customers improve their credit scores by disputing inaccurate information on their credit reports.

They work on behalf of their clients to challenge credit report items with the credit bureaus and creditors and provide a credit education center to help customers understand how their credit works.

Ovation Credit Services keeps its clients informed of any updates or changes to their credit reports and provides personalized dispute options to help customers achieve their credit goals.

Key Features:

  • Credit monitoring: Keep track of your credit score and stay informed of changes or updates with our credit monitoring service.
  • Custom letters: Communicate effectively with the credit bureaus and creditors using our custom letter writing service.
  • Personalized client dashboard: Access your credit reports and other important financial information through our customized client dashboard.
  • 24/7 access to financial tools: Access financial tools and resources anytime, anywhere with our 24/7 service.

Pricing:

Ovation Credit Services offers two pricing plans: Essentials and Essentials Plus. Both programs include a free consultation and a first work fee of $89. Prices for each plan are as follows:

  • Essentials: $79 monthly fee
  • Essentials Plus: $109 monthly fee

It's important to carefully review the features and benefits of each pricing plan to choose the one that best fits your needs and budget.

More Credit Repair Services Worth Considering

I wanted to add more to the list because these are not the only legitimate credit repair services you can find out there. Here's a list of companies I've researched and reviewed, from DIY to credit repair software services.

10. Dovly

Dovly Box

Dovly: Best Credit Fixer


  • Send dispute letters
  • Automate the process
  • Free Education

Dolvy is similar to how credit repair companies work, but the twist is that it removes the middle person. You can file and challenge the three credit bureaus directly from your Dovly Account.

Key Features:

  • Weekly TransUnion® credit monitoring
  • Unlimited disputes
  • $1M in ID Theft Insurance

Pricing:

Free Plan

Credit Maximizer: $99:99 Yearly

11. Credit Versio

credit versio box

Credit Versio


  • Send dispute letters
  • Advanced Mobile App
  • Free Education

Like Dovly, Credit Versio offers DIY credit repair and matches the strength of even the top credit repair services. It also offers unlimited disputes and uses Artificial Intelligence to help you create the letters.

Key Features:

  • Credit Coaching
  • Identity Theft Protection
  • Monthly Bureau Reports & Scores

Pricing:

Credit Versio is free, but you must pay for the credit monitoring services, which range from $19.99 to $29.95 per month.

12. Credit Glory

Credit Glory Logo Box

Credit Glory


  • Unlimited Disputes
  • Affordable Pricing
  • Free Resources

Credit Glory might be worth considering if you're looking for a credit repair company to help you improve your credit report.

This company has friendly credit specialists dedicated to helping their clients achieve their credit goals.

Credit Glory is so confident in their services that they offer a 90-day money-back guarantee, giving you peace of mind and assurance that they'll be satisfied with the results.

Key Features:

  • Unlimited Disputes
  • Customer Support
  • Multiple Locations

Pricing:

Credit Glory offers a credit repair service for $99 per month plus a small one-time setup cost of $299.

It's important to carefully review the terms and conditions of Credit Glory's services before committing to them.

Be sure to ask about any additional fees or charges that may apply, and consider the value of the service concerning the cost.

13. Credit Repair Cloud

Credit Repair Cloud

Credit Repair Cloud


  • Start A Business
  • Automated Disputes
  • Create Credit Audits

Credit Repair Cloud is a credit repair software program that can help you start your credit repair business. Many do not know that you can learn how to dispute your credit errors and use software to automate the process.

The founder Daniel Rosen has created an amazing training program that will literally teach you how to become a credit repair specialist.

Key Features:

  • Dispute Automation
  • Send letters via API integration
  • Create Credit Audits For Clients
  • Start this as a side hustle and earn money online

Pricing:

Credit Repair Cloud costs $179 monthly, including features allowing you to run full-scale operations.

How We Chose The Best Credit Repair Company

When selecting the best credit repair companies for our round-up, we wanted to ensure that we were recommending only the industry's most reliable and effective options.

When doing this, I considered several key factors, including:


  • Length of time in business: We looked for companies that had been around for a while and had a proven track record of helping their clients improve their credit scores.
  • Range of services offered: We evaluated each company's types of credit repair services and any additional resources or features that could help rebuild credit.
  • Customer experience: We considered the overall satisfaction of customers who have used the company's services, including their ease of use, responsiveness, and effectiveness.
  • Pricing and fees: We looked at the costs of each company's services, including any setup fees or ongoing monthly charges.
  • Additional features and resources: We considered any additional resources or support that each company offered, such as credit monitoring, score optimization, or access to credit experts.

After carefully considering these factors, we narrowed down our list. We selected the best credit repair companies that stood out as the best options for helping consumers improve their credit scores and financial health.

With that in mind, I noticed many credit repair scams that promised their clients results which is a big red flag. Legitimate credit repair companies should know that you can never promise results, as every situation is different.

They should promise each credit bureau a 90-day money-back guarantee of unlimited disputes.

What Is Credit Repair?

Credit repair is a process of assuring accurate information is reported in one’s credit history.

This includes identifying negative items on a credit report and suggesting ways to dispute them. The credit repair process takes some effort since it typically involves writing custom letters to the creditors and asking for their assistance in documenting the dispute or reorganizing the debt.

If that doesn't work out, you'll need to send a follow-up letter to the credit bureaus and have them investigate the creditors in question.

It can also include individual budget assessment, making payments on time, and reducing the debt-to-income ratio.

Of course, following these actions doesn’t guarantee success in removing your items from your credit file, but it doesn't hurt to try.

In that respect, taking advantage of the available services of professional credit repair companies may be worth it.

I've personally worked as a credit repair specialist, and I've seen many credit reports and credit histories improve over time.

Based on my experience and research, I believe that credit repair services are something everyone should look into as a way out.

Credit Repair Services Vs. Debt Settlement Agencies

Credit repair services and debt settlement agencies offer solutions for financial relief, but the two have distinct differences.

Hiring a credit repair service is often the best option when your credit score needs to be improved, as it is designed to help dispute negative items on reports and boost scores.

Debt settlement agencies, conversely, are best utilized in different situations, such as when a consumer wants to settle his/her debts in lump sums at a fraction of what they owe.

Typically, debt settlement agencies require an escrow account to be set up so that the consumer can make monthly payments until enough funds become available for the creditor or collector to fulfill the debt agreement.

Ultimately, depending on your particular situation, one or both could provide you with financial relief and peace of mind 

FAQ:

Is paying someone to fix your credit worth it?

When it comes to whether or not hiring a company to fix your credit is worth it, there are several considerations that you need to weigh.

If you have a poor understanding of the best credit repair services, using a paid service could potentially increase your credit score within a shorter time frame than if you attempted DIY fixes. It is always best to start by getting a free credit consultation from the experts to form an opinion on the best course of action.

Another cost-effective option may be to use popular credit repair software programs, which can help with many processes but should not replace any expert financial advice you receive.

Ultimately, the decision comes down to how much time and money you are willing and able to spend to achieve good credit health.

Are Credit Repair Companies Worth it?

Credit repair agencies offer a convenient way for consumers to address credit or credit score issues.

Whether dealing with inaccurate information on credit reports, negotiating better terms for existing credit card accounts, or simply updating personal records, credit repair companies can be worth it, as long as the consumer takes the time to shop around and understands the setup fee, payment options, and what services they will receive.

Generally, these companies work by identifying errors in credit reports, drafting dispute letters on your behalf, and monitoring credit scores and credit report results post-dispute resolution.

Do you want to pay someone else to do the painstaking credit repair task? If you think it's an investment worth making, it might be worth it.

Can I trust credit repair companies?

While many good credit repair companies, some engage in fraudulent or unethical behavior. If you see any credit repair service offering a credit sweep or they say they can remove all of your negative items within 24 hours,

I would run the other way. You can also report them to the FTC, as they are breaking the law.

Two of these laws that protect you as a consumer are: 

  • The Credit Repair Organizations Act (CROA) 
  • Fair Credit Reporting Act (FCRA) 

Once you understand these laws, you'll also want to ensure these services provide a free consultation and at least a 90- day money-back guarantee.

Who is the fastest credit repair company?

After reviewing many reviews and checking better business bureau reviews, I'd say the best credit repair companies are:

  • Credit Saint
  • Sky Blue
  • Lexington Law 

Even with fast service, you should know that credit repair can take time and a lot of hard work. But if you do your due diligence and choose a reputable company, you should be able to see results in a reasonable amount of time.

Ultimately, working with the right credit repair company can give you peace of mind as they take these important steps on your behalf to help protect and improve your credit.

How much does credit repair usually cost?

The cost of credit repair can vary depending on the packages offered by different credit repair agencies.

Generally, free consultations should always be included to discuss what options may work best for each individual's needs. On average, prices from agency to agency range from $79 - $149 per month, with additional fees where applicable.

I've worked in the credit repair industry for many years, and the pricing normally stays the same.

Professional credit repair services can be quite useful and worth the money spent since they often provide in-depth guidance and comprehensive strategies that are more impressive than taking matters into your own hands. 

You also have the freedom to use credit-building services such as rent reporting company to report past rental payments.

What About Credit Sweep Companies?

Credit repair companies offering credit sweeps are best to be avoided.

Despite their promise to legally erase negative items from your credit report, credit sweeps can land you in trouble with the FTC. In reality, credit sweeps involve illegally obtaining and misusing credit reports belonging to a different individual, thereby putting yourself at risk of identity theft.

This further alerts each credit bureau since fraudulently attempted credit repair with a valid social security number is considered identity theft. Credit reporting agencies can also detect unusual or suspicious activities and take appropriate action as necessary.

Regarding credit report-related matters, it is essential to follow reputable routes, as doing a full sweep will not be an excuse for violating laws.

Can I do credit repair myself?

Yes, you can do credit repair yourself if you learn how to improve your credit.

Many free and paid resources are available online, such as credit repair blogs or forums, where you can learn from others with the experience and knowledge to guide you in the right direction. Most credit repair companies charge an arm and a leg if you are able to find them, so saving money on these services can be a huge win.

However, it's important to note that if you are not careful or lack the knowledge needed for credit repair, you may do more harm than good and inadvertently worsen your credit score instead of improving it.

So if you can work on a monthly fee, I'd recommend working with credit repair firms and then trying it yourself. Only if you have no knowledge of this topic.

Final Thoughts

Now that you know all the reputable credit repair services and want to fix your credit score, it is essential to research and choose the right one for your needs.

Whether you work with a professional agency or try it yourself, remember that credit repair takes time, so be patient and trust the process as you improve your credit score.

Just as a recap, you should always be guaranteed a refund and free consultation from any credit repair agency you work with. It is also important to be wary of companies offering services that don't quite sound right, such as credit sweeps or collection removal, as these may not be legitimate solutions and can put your credit at risk.

Overall, if you are diligent and committed to improving your credit score, you can do this yourself or work with a reputable credit repair company. 


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About the Author

Ever felt like you should be doing more with your business or blog? I felt the same way until I learned how to focus on income-producing activities and scale my businesses. My name is Eddy Ballesteros and I'm known as the Friendly Entrepreneur. Check out my best product reviews and make money online guides!