Your credit score affects your ability to get loans, credit cards, and even a mortgage. A low score can mean higher interest rates, costing you thousands over time. The problem? Many credit reports contain errors that unfairly drag credit scores down.
Credit repair companies challenge these inaccuracies to help improve your credit. But not all services are created equal—so how do you find one that actually delivers results?
5 Best Credit Repair Companies
Finding the right credit repair service can be tough, but we’ve done the research for you. Here are the top credit repair companies based on experience, pricing, and results.
1. Credit Saint
Established in 2004, Credit Saint has a strong track record of helping clients remove negative items from their credit reports through an aggressive dispute process.
2. Sky Blue Credit Repair
Sky Blue Credit Repair is known for its straightforward pricing, fast dispute process, and strong customer support.
3. The Credit People
The Credit People offer an affordable credit repair service with a risk-free, satisfaction guarantee.
4. The Credit Pros
The Credit Pros offers a full-service credit repair solution with a strong focus on financial education and long-term credit health.
5. Credit Glory
Credit Glory specializes in helping clients dispute inaccurate negative items on their credit reports with a straightforward, no-contract service.
How to Compare Credit Repair Companies
Choosing the right credit repair company comes down to more than just price. Here are the key factors to consider before signing up.
Free Credit Consultation
Many credit repair companies offer a free consultation to assess your credit situation. This helps you understand what can be done before committing to a paid plan. A reputable company won’t charge you upfront without showing you how they can help.
Dispute Limits
Some companies limit the number of disputes they file per month, which can slow down progress. If you have multiple negative marks on your report, look for a service that allows more disputes per cycle for faster results.
Money-Back Guarantee
A money-back guarantee can offer peace of mind, but always check the fine print. Some companies only refund fees under specific conditions, such as if no negative items are removed within a set timeframe.
Pricing Transparency
Legitimate credit repair services are upfront about their costs. Be wary of services that charge hidden fees or require large upfront payments. The best companies clearly outline their pricing and let you cancel anytime.
Credit Monitoring
Some companies include credit monitoring, which helps you track changes to your credit score and catch issues early. While not essential, this can be a valuable extra that saves you money on a separate monitoring service.
Reputation & Reviews
Check customer reviews, BBB ratings, and complaints before choosing a credit repair company. A company with a strong track record of results and positive customer feedback is more likely to deliver on its promises.
What You Should Know Before Hiring a Credit Repair Company
Not all credit repair companies operate the same way, and it’s important to know what to expect before signing up. Here are key factors to consider.
How Long Credit Repair Takes
Credit repair isn’t an overnight fix. While some errors can be removed quickly, the credit repair process typically takes a few months. The length depends on the number of disputes, how responsive the credit bureaus are, and whether additional steps—like debt validation—are needed.
What Companies Legally Can and Can’t Do
Credit repair companies can dispute inaccurate, outdated, or unverifiable information on your credit report. However, they cannot guarantee results, erase legitimate debts, or create a “new” credit identity. The Credit Repair Organizations Act (CROA) protects consumers from deceptive practices, ensuring companies follow legal guidelines.
Why You Still Have a Role in the Process
Even with professional help, you’ll need to stay involved. You may need to provide documentation to support disputes, review updates from credit bureaus, and work on improving your credit habits—like making on-time payments and reducing debt.
Warning Signs of Scams
Be cautious of companies that:
- Demand upfront payment before any services are performed
- Promise to remove all negative items, even legitimate ones
- Pressure you to dispute everything on your credit report
- Claim they can create a new credit identity for you
A legitimate credit repair company will be transparent, follow legal guidelines, and never ask you to break the law.
How We Chose the “Best Credit Repair Companies”
To create our list, we researched established companies that offer nationwide services. While there are many more local credit repair companies (far too many to review), we focused on the national leaders.
We considered the following aspects to comprise our credit repair reviews and rankings:
- Reputation
- Experience
- Expertise
- Customer reviews
- Services offered
- Pricing & value
- Transparency
The credit repair industry has had its share of scams, often from smaller, unverified companies making false promises. To avoid credit repair scams, look for established, well-reviewed services with transparent pricing and a history of success. The companies listed above have been thoroughly vetted to help you choose a legitimate and reliable credit repair provider.
Final Thoughts
Fixing your credit can feel overwhelming, but you don’t have to do it alone. A good credit repair company can help you dispute inaccurate information, improve your credit history, and open doors to better financial opportunities. While no company can guarantee results, the right one can make a real difference in how quickly and effectively you see progress.
That said, not all credit repair services are worth your time or money. Research is key—look for transparent pricing, a solid reputation, and a company that fits your specific needs. The best credit repair service isn’t just about removing negative items; it’s about giving you the tools to build lasting financial health.
Your credit scores affect your future, and taking action today can set you up for better loan terms, lower interest rates, and more financial freedom. Compare your options and take control of your credit today.
Frequently Asked Questions
What is credit repair?
Credit repair, or credit restoration, involves fixing inaccurate information on your credit report. The goal is to improve your credit score.
It involves identifying questionable negative information on your credit report and challenging the negative entries in question. But, it can also require following up with the three major credit bureaus to remove the items from your credit report. If you have been a victim of identity theft, you likely have multiple accounts that you need to dispute.
Is credit repair legal?
Yes, credit repair is completely legal. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate, outdated, or unverifiable information on your credit report. The Credit Repair Organizations Act (CROA) ensures that credit repair firms follow legal guidelines, such as not charging upfront fees or making false promises about results.
How much does credit repair cost?
Credit repair services typically cost between $79 and $149 per month, with some companies also charging a setup fee ranging from $79 to $195. Some services offer flat-rate pricing, such as a six-month package for around $500. While you can dispute credit report errors for free on your own, credit repair companies save you time by handling the process for you.
How can I repair my credit myself?
You can repair your credit by reviewing your credit reports, disputing errors, and improving your financial habits. Start by requesting free credit reports from AnnualCreditReport.com and checking for inaccurate or outdated information.
To build positive credit, consider getting a secured credit card or a credit builder loan—both can help establish a strong payment history. Also, focus on paying bills on time, keeping credit card balances low, and avoiding unnecessary credit inquiries.
Can a credit repair company remove legitimate negative items?
No, they can only dispute inaccurate, outdated, or unverifiable information. If a negative item is correct and within its reporting period, it will remain on your credit report until it naturally falls off. However, some creditors may be willing to remove late payments or other marks as a goodwill gesture if you have a strong payment history with them.
How long do negative items stay on my credit report?
Most negative items remain on your credit report for seven years, but the timeline varies:
- Late payments, charge-offs, and collections: 7 years
- Bankruptcies: 7 years for Chapter 13, 10 years for Chapter 7
- Hard inquiries: 2 years
- Unpaid tax liens: Can remain indefinitely, but most no longer appear on reports
