The 7 Best Credit Repair Companies Of 2023

71 Comments

• Paula Forman • August 10, 2022

  Thanks for saying what nobody else does, that you can fix your credit yourself. That helped a lot, thank you.

• Jeff Hindenach • February 14, 2018

  Yes, Mike, Sky Blue is available in Las Vegas NV. Thanks for asking!

• Mike • February 14, 2018

  Can sky-blue help me I live in Las Vegas NV

• stery jones • August 3, 2017

  Thanks for posting, behind the scenes posts are the best. I really enjoy by reading all discussion. Credit collection agencies and legal financial cost lenders a lot of money, You need to show you can handle credit wisely.

• Steve • July 31, 2017

  Great comparison, thank you. However, there are many services that might try to take advantage of you and your financial needs by trying to steal your money or financial information. There are many signs that you should find in any credit repair service provider that might suggest that it is a scam.

  A big sign of a credit repair scam is when a credit repair agency tells you to get an Employer Identification Number that you can use in lieu of your Social Security Number. This might help you to get a new credit profile but it is still illegal. Your regular credit profile will still link up with a new one.

  Another sign of a scam involves the way how a provider might ask you to pay for services before anything is handled. Many credit repair scams will take money away by asking for payment and then doing nothing.

  The big point about any scam doing this is that asking for money before services are handled is a violation of the Credit Repair Organizations Act. The rule states that you cannot pay money until all services are completed and your credit has actually improved.

  Any company that says that it can remove all negative items on your report may also be a scam. You might learn about how to correct mistakes on a credit repair blog but you can’t just get every single negative item removed. You can’t remove a bankruptcy. Also, not all creditors are willing to correct payment status updates in your favor.

  All credit repair services must work directly with the three credit reporting bureaus. Anyone who tries to tell you that you can get credit repair services without dealing with any bureaus will be a scam. You must make sure that any changes that are made to your credit report during the credit repair process is handled with direct contact to a service provider.

• Keith • May 5, 2017

  Hi Jack. Thanks for a great article. Along with the services you mention do any of these companies provide coaching too? I have a niece who urgently needs advice as to how to reestablish her credit and handle money going forward. Is that something Sky Blue (for example) provides or does she need to look elsewhere. And if so, do you have any recommendations?

  • Jeff Hindenach • May 5, 2017

    Each of the services does provide some credit counseling. Lexington Law is great when it comes to that. But if she is just looking for credit counseling, she can talk to one of the many non-profit credit counseling services for free. They are very good and unbiased when talking about fixing your credit. A good option we’ve found is the National Foundation for Credit Counseling. (https://www.nfcc.org/). You could even sign up for credit repair with one of the services listed and use the NFCC for credit counseling if you need to. Hope this helps!

• Madeline • March 8, 2017

  I had just looked at Lexington Law’s website and saw how much they charged when I decided I should research the best credit repair service! Wow, how glad I am I saw this and read the comments! I absolutely will not be using LL now! Sounds as of Sky Blue is the way to go!! Thank you so much for the article and leaving all the comments in place! It really helped me decide and I am 100% sure it will help others navigate their options as well! Good Job!

• Jack • February 21, 2017

  Ronnie,
  You are doing the right thing by bouncing back and getting on the right track. Sky Blue Credit is an awesome company to go with and I can speak from personal experience. SimplyThriftyLiving did a great job outlining the credit repair companies and it sounds like you have a great plan in mind once you get on solid ground with your multi-family strategy of buying apartments and renting the out.

• Ronnie • February 11, 2017

  Thanks so much for the article. I, like so many others, have decided to FINALLY, take action and get my credit squared away, as I am about 520 right now. I have been looking on my local Craig’s List and looking online. This article has helped a LOT! After reading all of the comments, and looking at various credit repair websites, I am going to sign up with Skyblue, and see what they can do. I am interested in applying for an FHA loan and buying a 4 unit apartment building, and living in one of the units. I have no credit cards, no car loans, no mortgage and I use cash, however, I do have a divorce and my ex, God bless her, when way out of her way ( I mean over the top) to trash my credit, by not paying any of our bills, the last 4 months we were together. This was in order to build up a nest egg, to finance walking out….LOL. You can only laugh,now that the tears have dried up…LOL. But it is time to get back into the Game! She tried to leave me for “financial road kill”, but the best revenge is to bounce back, and so, bouncing back I am.

• C.J. • December 2, 2016

  I am currently 10 months in with Lexington Law. I was skeptical but desperate to get the ball rolling so I hired them. I had a car accident years ago and had many medical bills and all the mess that goes with that. I had 33 items on each report. My credit was 425. I now have 1 item on one, and 5 on another and 6 on another. My credit has come up far enough that I have recently applied for a home loan. I did not only pay Lexington Law and sit back on the couch. I actively paid down anything I could afford no matter how small. I applied for a secured credit card, paid on time each month, kept my balance low, after 6 months, they increased the credit limit beyond my secured amount. Not long after that I applied for a non secured card, got it and it is twice the limit of the secured card. I am paying bills on time and this is working. I just want to leave some encouragement to people out there trying. Lexington Law has done exactly what they said they would do. They told me this was no over night success. They were honest that this does take time but they are successful. Also, I have had to do almost nothing. They have sent every letter, rarely ever contacted me. All alerts come through email and text and I have a running tally of every move they have made. I am glad I chose Lexington Law to help me.

• Jasmine • October 27, 2016

  Lexington law is not that great you pay allot for a little my score dropped from 620 to 589! I called one credit company which I can not remember the name of but the guy sounded sketchy so I will be trying sky blue looking forward to actual improvement.

• Steve Clark • October 23, 2016

  Thanks for reviewing Sky Blue Credit Repair as we’ve been hearing mixed things about the company. We’ve read lots of reviews but your review has been the most comprehensive and informative. It really seems to be a minefield when it comes to choosing the best credit repair company. I need to repair my credit rating as I want to buy my first home…I think I will Sky Blue a try.

• Wendy • October 12, 2016

  Thank you for your article and the comments as they have been very useful. I just came across a sponsored ad on facebook about Lexington Law so I looked them up on the BBB website. Their complaint level was kinda high (not seeing how many they had served or amount of years in business). So I furthered my research by googling if it was legitimate or not when I came across this article. I can say that I will be contacting Sky Blue to resolve my issues. I have a 616 right now but I want to buy a house next year and want/need my score to be near 680 or above to get a decent APR. If any younger adults are reading this, your credit is important. Pay on time and if you get divorced, make sure your ex does not kill your credit. Growing up, bills and credit scores along with politics were NEVER discussed. I’m 44 yrs old still trying to figure this out.

  • Lauren • November 30, 2016

    Thanks for this note Wendy. I’m 26 trying to figure out. Let’s just it wasn’t even acknowledged in my house. Thanks for the boost of confidence!

• gail • September 5, 2016

  Can sky-blue help me I live in chicago

  • Jeff Hindenach • September 5, 2016

    Yes, Sky Blue is available in Illinois.

• Aletha • August 24, 2016

  Thank you so much for giving such an honest review this is exactly what I came up with when I did my research this is very honest and directly to the point Lexington Law was very great but Skyblue is better because of the price awesome review . I used Lexington law in 2015 I had a lot of stuff deleted ,but last month Sky-blue was able to get my bankruptcy from 2012 deleted .

• Smithk426 • July 15, 2016

  Great article post.Really thank you! Fantastic.

• Ted Singer • June 26, 2016

  Which is the best option for someone who just needs a little bump in their credit score?

  • Jeff Hindenach • June 26, 2016

    Skyblue is still a good option for a credit repair service to use, just let them know you just want to bump your score a little and they will help you with that and make sure you are cancelling your service at the right time.

• Tricia Conflower • June 26, 2016

  Thank you for recommending sky-blue they really are a great credit repair service. I was with lexington and they did help me raise my score but it eventually stopped going up and I still was paying them. Sky-blue has been really good about telling me what i can do and when i should stop. They really are the best. Tnx!

• KC • May 1, 2016

  I live in Colorado and called Sky Blue but they indicated the did not have a license in Colorado so they could not help me. Is LL my next best option at this point?

  • Jeff Hindenach • May 2, 2016

    Yes, Lexington or CreditRepair.com are probably your best choices.

• Bernadette P • April 21, 2016

  I was literally on the phone with Lexington law last night for over an hour (not knowing about Sky blue yet). They told me over the phone that their plan was $119.99/month and a $14.99 start up fee… or something like that… I think that’s why I was on the phone for so long… because all they needed from me was my debit card info to start the process.. After looking at their website and seeing everyone’s comments, I didn’t know they had cheaper, yet still expensive plans.. I was very skeptical but I KNOW I need to do something to fix my credit, since I want to be a home owner some day. Now that I’ve done more reading about sky blue, I think I’m going to call them tomorrow to get this started.. I am excited to see my credit looking more positive!

• Dehliaa • February 26, 2016

  I had excellent credit, which dropped after my SSN was stolen. I had 770 1.5 years ago, and it’s 678 now. Paying bills on time, pay my rent in advance; paid off my student loans, sold my car, and finally my home and paid off my lIan last year, $226,295.00. It was my student loan which prevented me from buying a replacement car, or a home. It’s dropped a bit now, I’m not sure how to raise it without using a company. It’s ridiculous that paying rent isn’t tracked.

• Christine • January 28, 2016

  I want to add that Lexington has a much lesser known, affordable option called “Maintenance Pro” for $19.95 a month. They work with one bureau only for 4 months, then switch. This is something I would be willing to try after Sky Blue if I still have items left, because it is so affordable and you get the notarized letters and escalations with it. It would be best for people like me who do not have too many negatives left on their report.

• Christine • January 28, 2016

  I was with Lexington for 14 months. I went with Lexington Essentials (their lowest service) at $49.95 per month, so all in all I spent $700. I had 37 removals, with 10 remaining. I just cancelled this month. I am pleased, my credit score has risen astronomically, and I feel that the 37 removals was worth $700. However, getting down to the last 10 I have not had much movement on my case in the past few months, and I didn’t want to continue paying without knowing if they’d come off or not. I have decided to switch to Sky Blue for those 10, I LOVE their guarantee and they seem to give more personalized advice about which creditors to go after, and which are best to leave alone. I will give Sky Blue a try at least for a few months

• Rhonda Griffin • January 15, 2016

  I just signed up with Lexington Law, however I tried them about a year ago and was skeptical so I cancelled. I signed up again, because I am really trying to repair my credit. $99 a month seems a bit much and how do you know if anything can be removed. I asked and I really got no response of if they could or couldn’t remove them. I also asked about paying of a credit card that was on my report if I wanted to use them again, no response or guidance. They say they removed 15 items and I just signed up a week ago, but they still show on my report. I don’t wan to spend countless money on a credit repair and they are not helping. Most companies are scams, one said $20 per deletion and $100 per judgment and bankruptcies. I just want my score to increase, item permanently removed from a real reputable company, without them taking your money and you see no results. How can you obtain POSTIVE CREDIT and you have horrible credit, can you obtain a new card with previous credit card companies? Someone please advise.

  • Jeff Hindenach • January 15, 2016

    Hi Rhonda, thanks for reading! As you can see from others who have commented, SkyBlue credit repair might be a better choice for you. They charge less and usually offer better customer service and results. Both links and a phone number are provided in the article above. Hope that helps!

• Angela • January 3, 2016

  Thank you! I will be calling sky blue. I’ve spent 1,000 on Lexington law and got little results with removing items from my credit report..I actually removed some my self that were way over 7 years old by just pulling my credit report my self and calling them. Another issue with Lexington was they were picking and choosing which to remove vs the initial plan we had discussed which Has me still needing to seek credit repair agencies to see if I can get help with those since they are hugely impacting my score!

• Junior • November 3, 2015

  I am currently with lexington law and they have done wonders for removals. I started at a 527 credit score from Jan 2014 and we are almost a year in and I am at a 630. I do see a trend about the sending two or three letters at a time. I’m really not sure if it raises eyebrows when sending too many challenges at once but throw one extra for kicks especially when I am paying 99.95 a month. The price mentioned carries an Inquiry assist and for a while (3 months) I continued paying that amount not really noticing no more could be done with Inquiries but they continued billing without mentioning it. So I called to cancel as things were moving slower and they dropped the package to the 59.95. And so I continued with them. Now don’t get me wrong 10 months and a higher credit score by 103 points is great. I thank them for that. Now another concern was escalations. When I chatted via live internet chat and told them about things getting slower and nothing seems to be moving. They said they needed my permission to send out escalation letters. I mean if it were personal wouldn’t they want to really get a hold of me.?! So there are those moments where I question if they are just doing their job and not really on a personal level. Maybe its time to give Sky blue a try after 1 yr with Lexington Law. Let someone else get in there with fresh eyes. I have 17 removed and 8 remaining.

• Tim • October 25, 2015

  Lexington Law has done a pretty good job for me. My only complaints would be that they haven’t removed the things I asked them to focus on initially. Well they have but only from two bureaus. They don’t seem to communicate with Experian as well as they do the other two bureaus. Which is causing a lot of frustration for me. I’m considering moving my business to Sky Blue.

• vanessa w • October 15, 2015

  I have used sky blue before and they are good I’m going to use them again my ex husband used L.L and wasn’t pleased at all

• Rebecca • September 25, 2015

  Thank you everyone for your comments! I have been researching what to do/who to use. I went through a financially disastrous divorce, family financial crisis, etc and have tried to keep up with everything. I was admittedly late on things but I’ve always paid and paid the whole amount. I’ve not asked for anything to be discharged, even though they’ve offered. I had a stellar credit score and within 18 months it was shot down. I need it to go back up and was hoping to enlist the help of one of the agencies. It looks like Sky Blue will be receiving a call from me. Everyone’s comments were amazingly helpful as I was so close to picking up the phone and calling Lexington Law!

  Again, thank you!

• Anna • August 24, 2015

  It’s important to note that not everyone will have the same results with credit repair. You must know going into the process that it’s possible that not every one of your creditors will respond favorably. Some will have better results than others.

• Coop • July 14, 2015

  I’ve just droped Lexington Law after they took about a $1,000 from me with no result. I was a 101% involved in the process. I received Four(4) letters that they send to creditors that had the wrong address. Two of the letters went to the wrong address of credit reporting agencies. How is that possible, but that’s how they try to prolong the process inorder to keep you paying.

  They are extremely slow and will send out 2 or 3 challenges after they have collected thier monthly fee. I saw that my challenges went out the day after my account was debited. I can go on and on about about Lexington Law money only service. I am sadden that I just came across this article but if I can help anyone whose’s planning on dealing with Lexington Law, don’t waste your money. The money is nothing if they would have process results but it’s frustrating dealing with them. I am not going to call them dishonest, but I don’t know any other term to describe thier service.

• Sunny • May 12, 2015

  This is EXACTLY what I needed to read to confirm what I had suspected. Thank you so much for your article. The comments helped as well! 🙂

• chris • April 2, 2015

  I was just contacted by LL. They gave me the rate of only their top package, so I was a bit leery. I saw on the website that less expensive packages were offered. I’m going to give SkyBlue a shot. Great article, great advice. Thanx!!!

• Neil S • March 8, 2015

  I’ve used both companies…and honestly…the “bells and whistles” that lex offers didn’t really do much for me. I found the agents at Sky Blue to be much more helpful and in tune with my needs (and emotions!)…whereas Lex seemed to be more of a one-size-fits-all. I guess it doesn’t matter if the result is good in the end though.

• G. Bruny • February 26, 2015

  Thank you Jack for the information. I was searching for the fee that Lexington charges its clients since they seem to always be on top of the list if one is looking for a credit repair company.
  @Jon: in reagrds to how many items you should dispute. I don’t think Lexington misled you. It is required to only dispute 3 to 4 items at once because you don’t want the credit bureau agencies to see the the disputes as “frivolous”: a term used in the Credit Repair world. They may not take your disputes seriously and they may decide not to go through with all your disputes.
  However, your credit repair company should advice you about the best way to increase your score.

  Few tips:
  Continue to pay your bills on time while you are repairing your credit
  Try to keep your credit card balance at 30% or lower of the credit limit on your card(s)
  Monitor your credit to ensure that there is no mistake or that there is no one using your information
  Make sure that your lenders are reporting your payment history correctly as well as the credit limit on your card.
  If you don’t have a credit card anymore, as soon as your score allows you, sign up for a small secured credit card

  I hope this was helpful.
  G. Bruny

  Good luck.

• Kevin • January 16, 2015

  I agree with you Jon. I’ve used Lexington Law, with very little progress, with a great deal of money spent. They are only after the money. Not intergrity of helping people out. I wish I would have seen this article prior to using Lexington Law. I was very displeased with their little efforts. I spent $1200 and they removed 6 inquires, with no future advice.

  • Jerry • July 4, 2015

    True I agree lexington law firm takes a long time to get results

• Beth hen • November 7, 2014

  Thank you so much, this is what i was looking for

• Jon • January 10, 2014

  Excellent comparison, Thanks very much. For the record, I have also used both, and feel there is something that could be added. You are correct about Sky Blue not having the bells and whistles, but they blow away Lexington Law Firm in integrity. When I worked with Sky Blue, they gave me solid advice about what to appeal and not appeal. More importantly, when they had done all they felt they could accomplish, (there were some items they recommended against disputing), they told me and stopped charging me.

  Lexington always struck me as the type that will keep charging you as long as there is anything on your report, whether they have any hope of removing it or not. Whereas Sky Blue proactively suggested I cancel my subscription, I found Lexington difficult to cancel at all.

  And I am unaware of the validity of this claim or not. If I recall, Lexington had a policy of only disputing 2-3 things at once, saying it looked bad if you tried to launch huge dispute campaigns. That may be true, but I always had the feeling at least part of the policy was driven by the desire to lengthen the amount of time you had to subscribe and milk you for more payments.

  Again, great article, thanks.

  • scooter • May 28, 2014

    can I ask how much your scored were raised after skyblue? I am thinking about using them.

    • Jeff Hindenach • June 1, 2014

      I did not use SkyBlue personally. Each person’s score will be affected differently, since each person’s credit history is unique to them.

• Jenette • December 30, 2013

  Jack, thank you so much for posting/writing this article. I was JUST researching the top credit repair services on BBB and online in general (Google search) and these were the exact two companies that I was deciding between….then I found this! How ironic. This is so very helpful and you just confirmed my initial choice!
  Much appreciated and thank you for taking the time to share this with others.

• Alex Standt • September 25, 2013

  Excellent job here! Theses are both great companies. Keep in mind for the consumers that have some spare time, the option to work on their credit themselves might be a good one. Thanks.

• Toni Quiles • May 25, 2016

  May 25,2016

  Toni

  Thank you for this article.
  I am with LL and had switched to the premium package for $119.
  Although my credit score went up some,I do think they are pricey so I’m nowswitching over to Sky Blue Credit Repair.