1. Lexington Law
Lexington Law has long been our top pick among credit repair companies. It offers a wide array of services from an experienced staff of legal experts, including accredited lawyers. The company was founded in 2004, so it has the institutional knowledge to clean up your credit reports across the complete spectrum of mistakes and omissions.
The company has an enviable record, having removed more than 10 million erroneous items from client credit reports. It’s not unusual for a client to receive a credit score boost of dozens of points.
You can choose from among several service levels that make it easier to purchase just the services you need. All service levels include direct, active engagement with the three major credit bureaus to challenge questionable items on your credit reports.
The intermediate service level adds features such as credit report monitoring, hard inquiry clean-up, alerts for new negative items, and a full credit score analysis. If you step up to the premium service, you’ll also get support for cease and desist letters, identity theft protection, FICO score tracking, and access to several valuable financial tools.
Typically, clients engage Lexington Law for six months to extract the most value from its services. However, the length of your subscription is up to you — you can cancel or extend it as you desire. For a free consultation, call Lexington Law at (855) 200-2394 or simply click on the link.
2. Sky Blue Credit Repair®
Sky Blue Credit Repair is the granddaddy of credit repair companies in this field, with roots going back to 1989. One of the reasons for its longevity is its industry-leading 90-day unconditional guarantee that promises a full refund if you are not satisfied with the services you receive.
Unlike some of its competitors, Sky Blue offers a single, comprehensive service level at a very competitive price (including a couple’s discount). The service promises a set number of challenges every 35 days, as well as score analysis, debt validation, debt settlement consultations, and the writing of cease and desist letters.
It’s likely you’ll start seeing improvement in your credit score in as little as one month. You can cancel or pause your subscription whenever you want. The phone number for a free consultation is (888) 805-4944 or click on the link for even faster contact.
CreditRepair.com has one of the longest pedigrees in the credit repair business, having started business in 1997. That’s given it the time to lodge more than 19 million challenges, including over a million in 2019.
The company stands out for the quality of its iOS/Android mobile app. The intuitive yet sophisticated app design makes monitoring your credit restoration progress a snap.
When you subscribe to the basic service level, you’ll receive active engagement with the credit bureaus plus access to your online dashboard, activity alerts, credit monitoring, and score analysis. The initial program of checking, challenging, and changing your credit reports yields an average score boost of 40 points within four months.
The company provides an ambitious monthly quota of targeted challenges and disputes. You can select the premium level to increase your engagement quota as well as adding finance tools, identity protection, and insurance to your suite of services. You can contact CreditRepair.com at (855) 255-0263 to arrange a free consultation.
4. Credit Assistance Network
Credit Assistance Network offers services beyond just credit repair, including security clearance assistance, identity theft resolution, settlement offer assistance, and one-on-one credit coaching. When you sign up, a trained credit consultant will review your credit reports and identify items to be verified or disputed.
The company aims to engage each credit bureau with up to 45 disputed items per cycle. Rather than using form letters, a credit consultant manually drafts each dispute letter separately to ensure conformity with the facts on hand.
If the source of a negative item cannot verify the information, the entry is removed from your credit report. Creditors and collectors must verify the information within 30 days, and Credit Assistance Network will aggressively pursue any missed deadlines or law violations.
The company persistently hunts down mistakes, false negative items, and duplicate information until your credit reports are clean, after which the company will contact you to close the account. That way, you won’t be paying for service you no longer need. You can also save money by signing up with a spouse or friend and earning a discount on the normal price of service.
You can phone the Credit Assistance Network at (800) 811-3078 or just click on the link.
More Credit Repair Companies Worth Considering
The remainder of our reviewed credit repair agencies provide good value for service and earn positive reviews from third-party sites. While we strongly recommend our top four companies listed above, the following agencies will also do a credible job of fixing your credit and helping you earn a better credit profile.
5. Ovation Credit Repair
Ovation Credit Repair lets you choose between two service levels that require an initial $89 startup fee and then a monthly subscription fee. The basic plan costs $79 per month and allows you to dispute any misleading, incomplete, inaccurate, or unverifiable items on your credit reports.
You’ll work with a personal case advisor to resolve each open dispute. The plan also includes a kit of valuable financial tools to help you budget and pay your debts.
If you prefer, you can upgrade to the premium plan for $109 per month. By doing so, you gain credit monitoring, unlimited creditor goodwill letters, unlimited challenge validation letters, and an official recommendation letter. The company offers a number of discounts to reduce your overall cost, including ones for switching from another reputable credit repair company, recommending a friend, pairing up on a subscription with another person, or qualifying as a military member or senior citizen.
6. Credit Versio
Credit Versio takes a different approach to credit repair. It sells a software package that supports consumers with a DIY inclination and a tight budget. The basic version of the system costs less than $20 per month and supports customers who want to dispute errors on their credit reports.
The package imports your credit reports and helps you find potential problems. You can then generate dispute letters for dispatch to the three credit bureaus. The number of disputes you can lodge may be restricted or unlimited, depending on the package you choose. Other features include credit monitoring alerts and identity theft insurance.
You also get $1 million in identity theft insurance and credit monitoring alerts. The software imports your credit reports, applies AI techniques to identify problem areas, and helps you generate professional dispute letters to remove problematic items.
The premium package, at only $29.95 per month, provides identity theft protection. Credit Versio is a good choice if you have the time and inclination to fix your credit yourself, and the price is unbeatable.
7. Pyramid Credit Repair
Pyramid Credit Repair relies on 10 years of experience to help customers fix their credit. The company puts much emphasis on consumer education in addition to its rigorous credit challenge process. You can choose a singles plan for $99 a month or one for couples at twice the price.
The plans feature a personal game plan, around-the-clock phone support, and no additional costs.
Your credit counseling rep works with you to identify credit report items that should be challenged. There is no limit on the number of items you can dispute. The company states that the average client sees results within 45 days. You can cancel at any time.
8. Credit Firm
Founded in 1997, Credit Firm offers affordable credit repair that includes oversight by licensed attorneys. The company has helped more than 60,000 customers in all 50 states. At less than $50 per month, the service is less expensive than the competition.
Their process is straightforward. After a free consultation, you forward your credit reports to Credit Firm. Then, you and your credit counseling rep will review your reports, identify items that merit challenge, and create a custom action plan that can include debt validation, goodwill interventions, and generation of cease and desist requests. There is no limit to the number of challenges you can lodge.
The company will compose and send dispute letters that have been audited by a licensed attorney. It promises to use every legal instrument at its disposal to fix your credit report and improve your credit profile.
9. Credit Saint
Credit Saint claims to be ranked #1 in challenging inaccurate credit data. It offers three service levels (all with an initial setup fee of $99 to $195) and a 90-day money-back guarantee. The basic service ($80 per month) includes five challenges per cycle to the three credit bureaus, analysis of your credit score, creditor interventions, and a score tracker.
The intermediate service ($100 per month) doubles the number of challenges per cycle and adds inquiry targeting and Experian monitoring. When you step up to the premium service ($120 per month), you get unlimited challenges per cycle as well as cease and desist letters.
All service levels include an online account page featuring a timeline, progress report, and credit analysis.
10. Credit Glory
Credit Glory distinguishes itself with a 90-day money-back guarantee, an A+ rating from the BBB, and around-the-clock customer service. When you call, you get a free 15-minute consultation with no obligation.
You can then sign up for its credit repair service ($99 per month plus a one-time $199 review and setup fee) that allows you to dispute all inaccurate items. The company disputes all types of derogatory items, including fraudulent hard inquiries. Customers must agree to identify all negative items that are completely accurate so Credit Glory doesn’t waste time on them.
The company also offers services for victims of identity theft, disputing each fraudulent inquiry for $79 each or unlimited inquiries for $799.
11. Pinnacle Credit Repair
Pinnacle Credit Repair describes itself as the most aggressive program in the credit repair industry. It offers two service levels, each charging an initial fee of $199. Both services dispute errors and omissions on your three credit reports, plus free credit coaching, credit education, and support for lender approval.
Although Pinnacle is happy to do the work for you, it also supports customers who prefer a DIY approach. The standard service charges $99 a month beginning in the second month. You can renew the service each month until your credit report is completely clean.
If you prefer, you can order the premium service for a one-time fee of $1,500 to $2,500. This service, which comes with a personal credit mentor, uses artificial intelligence to rapidly dispute inaccuracies, with results in as quick as 15-30 days. You also get a 120-day satisfaction guarantee.
12. AMB Credit Consultants
AMB Credit Consultants is equally interested in repairing your credit and teaching you how to make good credit decisions. The cost of its program is an initial signup fee of $149 and a monthly subscription fee of $99.
This buys you unlimited access to the company’s dispute resolution team for any inaccuracies you identify on your credit reports.
The company, founded in 2008, earns an A rating from the BBB and offers discounts for couples. On the minus side, there is no free credit consultation, and you’ll have to pay extra ($25 per month) for third-party credit monitoring. Despite charging higher than average fees, the company earns excellent customer feedback.
13. The Credit People
The Credit People claims to have removed almost 1.5 million credit issues for its customers over its 15 years in business and to have boosted credit scores by an estimated 53 to 187 points per person.
The company disputes all types of inaccurate derogatory items and lets you monitor progress online. You should expect to see credit improvements within 60 days.
To start, you pay a $19 fee for your three credit reports and then a monthly subscription fee of $79. Alternatively, you can buy a six-month flat-rate membership for $419. The service provides unlimited disputes, debt and inquiry validation, creditor communication, free credit reports and scores, and a money-back satisfaction guarantee.
14. The Credit Pros
The Credit Pros LogoThe Credit Pros bills itself as a technology firm dedicated to educating its clients on how to avoid future credit mistakes. Its credit repair services range from $69 to $149 per month.
The company guarantees that no one will ever over-promise or guarantee a specific outcome, your private information will be protected and secure, and you’ll always be treated professionally and courteously.
Consultations are free, where one of its credit experts will help you identify damaging items that can be disputed. The Credit Pros has an A+ BBB rating.
15. MSI Credit Solutions
MSI Credit Solutions says that it is determined to make a positive difference in the lives of its clients by helping them improve their credit score and provide them with the knowledge to make better financial decisions.
Consultations are free, after which you’ll pay $98 per month — or $69 per person for dual enrollment, such as for you and a spouse — for services that are customized to your needs if you choose to employ its services.
The company has an A rating on Angie’s List and is rated 4.7 out of 5 on Trustpilot.