The 7 Best Credit Repair Companies Of 2023

Written By Jeff Hindenach
Last updated January 11, 2023

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Credit Repair
January 10, 2023

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It can be challenging to determine which credit repair companies are trustworthy, as there are many poor agencies available. However, based on research from 2023, Lexington Law has been identified as the top overall service. The best credit repair service for you will depend on your individual circumstances and needs. The following credit restoration services have been highly recommended, but each one has its own unique features and characteristics:

The 7 Best Credit Repair Companies

RankCredit Repair ServiceBest ForMonthly FeeExpert Rating
1Lexington Law Credit RepairOverall Service$89.95★★★★★
2CreditRepair.comExtra Features$99.95★★★★★
3Sky Blue Credit RepairAffordability$79★★★★★
4The Credit Pros Comprehensive Services$69★★★★
5Credit SaintTransparency$79.99★★★★
6The Credit PeopleTrial Run$79★★★★
7Pyramid Credit RepairNo Initial Fee$99★★★

Lexington Law: Best Overall Service Best for Extra Features
Sky Blue: Best for Affordability
Credit Pros: Best For Comprehensive Services
Credit Saint: Best for Transparency
The Credit People: Best for Trial Run
Pyramid: No Initial Fee

Also in this article: Methodology | DIY credit repair | Watch out for scams | Credit repair FAQ

Contact: (844) 259-3376

• Best overall service• Can get expensive with higher services
• Lots of features and extras• No money-back guarantee
• Trusted legal experts

Known for: Known for: Best overall. With decades of experience, Lexington Law is known for offering features and services that other top credit repair firms cannot match.

Price: Lexington Law actually has three different tiers of service, which cost $89.95/month, $109.95/month or $129.95/month, depending on the service you choose. Lexington Law credit repair is a little pricier, but that’s because of the extra level of service it provides. There’s also an initial fee of $99.95, plus $14.99 to pull your credit reports.

Features: The first tier of service, Concord Standard, offers the repair fundamentals, including resolving errors on your report, sending good faith letters to your lenders, and looking for regulatory loopholes to get your credit score back to where it should be. The second tier, Concord Premier, adds a second level of assistance, as well as monthly credit monitoring and a credit score improvement analysis. The third tier, PremierPlus, adds identity fraud alerts and personal finance tools to help you monitor your finances.

Low-cost alternative: Lexington Law does offer a low-cost credit repair option (Lex OnTrack) for $24.95 per month, which offers a minimum of features and can be a good alternative for those who are looking to move the needle on their credit score without spending a lot of money each month. You do need to call Lexington Law to inquire about this option.

Reputation: If you want the greatest service on the books, Lexington Law is a good bet. It was founded in 2004, so it has been for around 16 years, but it is not accredited with the Better Business Bureau[1].

Cancellation: Lexington Law’s services are month-to-month, so you can cancel whenever you need to.

Guarantee: Lexington Law’s guarantee relates only to the credit help promised to you, so read over your agreement carefully before you sign anything.

Customer service: Lexington Law has a comprehensive customer service network which can be very helpful, including phone, email and chat.

  • Initial Fee: $99.95
  • Monthly Fee: $99.95
  • Rating: ★★★★★

Our complete Lexington Law review

Contact: (844) 764-9863

• Straightforward service• More expensive than some alternatives
• Lots of included features and extras• No money-back guarantee

Known for: Extra Features. This is one of the most popular companies, partly because of its name and many reviews, but also because it includes so many extras such as identity theft protection.

Price: It offers a top tier service at $99.95, which includes all of their bells and whistles, including identity theft protection and credit report monitoring. This tier of service offers the basics (credit bureau challenges, good interventions, etc.) without some of the standard practices that other credit repair companies offer. (There is also a $14.99 charge to pull your credit reports.)

Features: This company offers the basics of credit repair, including good faith letters, correcting mistakes on your report, and using legal workarounds to contest items on your report. It also communicates directly with furnishers and the credit bureaus to make sure changes have been made. In addition, they offer a personalized dashboard and visual representation of your credit score to help you track your credit repair progress.

Cancellation: It’s services to repair your credit score billed on a monthly basis, so you are able to cancel at any time.

Reputation: On average, reports a 7 percent decrease in the number of questionable negative items for its clients each month. is not accredited with the Better Business Bureau[2]. Founded in 1997, it is has many years of experience in the field.

Guarantee: Just like Lexington Law, they will only charge you for the month once they have completed the work you agreed upon.

Customer service: It has a sleek user interface, which makes the need for customer service less, but their customer service is still solid.

  • Fee: $99.95
  • Rating: ★★★★

Our complete review

Contact: (888) 534-1510

• One of the least expensive options• Limited on extras and features
• 90-day money-back guarantee• Only offers one plan

Known for: Affordability. Sky Blue offers one of the least expensive credit repair companies that also produces positive results and offers 5-star customer service.

Price: Sky Blue has one of the lowest prices among credit repair services. The initial fee is $79, and then it is only $79 per month after that.

Features: Sky Blue Credit Repair is one of the best credit companies, but it doesn’t have all the fancy bells and whistles that the other services have. It does give you straightforward services, including fixing mistakes on your credit report, sending good faith letters to your lenders and looking for legal loopholes to get your credit score back to where it should be.

Pause Your Service: The coolest feature that Sky Blue offers is the ability to pause your services if you need to take a break or can’t afford a month. Then you can just restart it when you are ready to go again.

Cancellation: Sky Blue offers services on a month-to-month basis, allowing you to cancel whenever you may need to.

Reputation: Sky Blue is considered one of the top credit repair services, with top ranking across review sites. The service is transparent in what they offer and has 20 years of experience in the industry. Sky Blue is not accredited with the Better Business Bureau[3]. It was also founded in 1989, which means it can provide over 30 years of credit restoration experience.

Guarantee: Sky Blue is one of the only services with a full 90-day refund no matter what the reason, so if you’re not satisfied in the first 90 days, it’s free.

Customer service: Users often reach out to say how helpful and nice Sky Blue’s customer service is, which is unusual for a credit repair service.

  • Initial Fee: $79
  • Monthly Fee: $79
  • Rating: ★★★★★

Our complete Sky Blue review

Contact: (855) 664-2454

• Range of Price Points• Higher fee for top tier service
• Multiple plans to choose from• Limited States Served
• 90-day money-back guarantee

Known for: Comprehensive Services. Credit Pros offers four levels of services, allowing the client to find the best fit. Credit Pros also allows for unlimited credit dispute inquires, even with the most basic plan.

Price: The Credit Pros offers several different services. First, Money Management is the basic package at $69 Prosperity Package is the middle tier offering discounts on prescription medication in addition to basic package, costing $119. Success Package is the top level costing $149. The initial fee for the Money Management and Prosperity is $119, whereas the setup for the Success Package is $149.

Features: Money Management allows or an unlimited amount of monthly disputes, as well as identity and credit monitoring. Plus debt management. In addition to that, Prosperity Package also offers discounted prescription medication. Lastly, the Success package gives you access to both discounted medications prices and their financing program.

Reputation: The Better Business Bureau give Credit Pros an A-[4]. It has been in business for over 12 years.

Guarantee: Credit Pros offers a 90-day money-back guarantee.

Customer service: All tiers give you access to Credit Pros via email, as well as toll free access to customer service.

  • Initial Fee: $119
  • Monthly Fee: $69
  • BBB Rating: A-
  • Rating: ★★★★★

Our complete Credit Pros review

Contact: (855) 559-5762

• Affordable price point• Higher initial fee for top tier
• Multiple plans to choose from• Good customer service
• 90-day money-back guarantee

Known for: Transparency. Most of the other affordable credit repair offerings only offer one tier of service; Credit Saint offers three different tiers, all at affordable prices, with pricing and features clearly explained on the website.

Price: Credit Saint offers several different services, so you have a choice depending on what you are looking for. Credit Polish is the basic package at $79.99. Credit Remodel gets you a few extras beyond the basics, and is $99.99. Clean Slate offers the most features and is priced at $119.99. Credit Polish and Credit Remodel have an initial fee of $99, while Clean Slate’s initial fee is $195.

Features: Credit Polish disputes late payments, identity thefts, charge offs and any collections you may have on your credit reports. In addition to that, Credit Remodel also offers contesting for bankruptcies and repossessions. Clean Slate gets serious with an aggressive strategy that includes everything above as well as any judgements that you may have on your credit reports.

Reputation: The Better Business Bureau give Credit Saint an A+[4]. It was founded in 2004, so has been practicing for over 15 years.

Guarantee: Credit Saint offers a 90-day money-back guarantee.

Customer service: All tiers give you access to Credit Saint online, as well as toll free access to customer service.

  • Initial Fee: $99
  • Monthly Fee: $79.99
  • BBB Rating: A+
  • Rating: ★★★★★

Our complete Credit Saint review

Contact: (640) 224-0992  |

• Low price point• Limited on extras and features
• 17-day trial period• Limited customer service
• Six-month money-back guarantee

Known for: Trial run. The Credit People is one of the only credit repair companies that offers a trial so you can try out the service before committing. The trial is $19 for 7 days of service.

Price: A good option that the The Credit People offers is a seven-day trial for only $19, so you can try it out before you buy. The monthly cost is $79.

Features: The Credit People is much like SkyBlue in that they only offer straightforward credit repair services, including fixing mistakes on your credit report, sending good faith letters to your lenders and looking for legal loopholes to get your credit score back to where it should be.

Cancellation: If you go with the lump-sum option, you can still cancel at any time if you are dissatisfied, or go with the month-to-month option which also allows you to cancel at any time.

Reputation: Reviews are mixed on The Credit People, which was founded in 2001. It has several reviews on the BBB website, but is not accredited with them[5]. Some online reviews rave about the services, some were disappointed, but everyone agrees that the money-back guarantee is a great perk.

Guarantee: The Credit People has a 100 percent money back guarantee if at any point during the six months you are not satisfied.

Customer service: There is limited customer service, with phone hours only between 8 a.m.-5 p.m., and only email customer service offered otherwise, but The Credit People will get back to you within 24 hours.

  • Initial Fee: $19 (7-day trial)
  • Monthly Fee: $79
  • Rating: ★★★★

Our complete The Credit People review

Contact: (866) 634-9255

• Dedicated customer service team• Higher price point than some competitors
• No initial fee• Short history in credit repair
• 90-day money back guarantee

Known for: Alternative option. Pyramid is a great company, but doesn’t really hold up against most of the other companies represented here.

Price: Pyramid Credit Repair costs $99 a month. If you sign up for a couples plan at $198 a month, you get 50% off the first month of service.

Features: In addition to the credit repair fundamentals, Pyramid offers a dedicated personal account manager that walks you through everything to do with improving bad credit through credit help and monitors the progress of your credit. Pyramid also has in-house licensed attorneys, which is unusual for a credit repair company. Only Lexington Law offers the same service.

Cancellation: Pyramid Credit Repair’s services are billed month-to-month, which provides the flexibility of easy cancellation.

Reputation:  Pyramid has one of the strongest reputations of any credit repair service we have reviewed, with most of its online reviews being extremely positive.

Guarantee:  Pyramid Credit Repair offers a 90-day, 100%-money-back guarantee if you are unsatisfied for any reason.

Customer service: Pyramid is known for its excellent customer service. Pyramid offers you a personal account manager to deal with your issues, but also has a complete support center as well as phone service available Monday through Saturday.

  • Initial Fee: $0
  • Monthly Fee: $99
  • Rating: ★★★

Our complete Pyramid Credit Repair review

There are several factors that can help determine the best credit repair company for a particular individual. Some of these factors include:

  1. Reputation: It’s important to choose a credit repair company with a good reputation. This can be determined through research and by reading reviews from previous clients.
  2. Services offered: Different credit repair companies may offer different types of services, so it’s important to choose a company that offers the services you need.
  3. Fees: Credit repair companies may charge different fees for their services, so it’s important to consider the cost of the services you need and choose a company that offers them at a price you can afford.
  4. Effectiveness: It’s important to choose a credit repair company that has a proven track record of helping clients improve their credit scores.
  5. Customer service: It’s important to choose a credit repair company that has good customer service and is responsive to your needs and concerns.

Ultimately, the best credit repair company for you will depend on your specific circumstances and needs. It may be helpful to do some research and compare different companies before making a decision.

We did thorough research on every firm we reviewed in order to give an accurate picture of how each service operates. Here is how our process works.

Eliminating scams

The first thing we did was put each company through a scam check. There are rules for credit repair, and companies must follow these guidelines or face hefty fines. Only companies that abide by these rules are listed on our website.

Rating criteria

We wanted to recommend services that were affordable and had strong credit repair practices. Here are the criteria that we used to rank our recommendations:

  • Fees
  • Services offered
  • Guarantee
  • Reputation
  • Customer Service

We assigned a star rating for each of these categories for the different companies, averaged the ratings and that is how we came to the rankings in this article.

Setup Fees

We all know credit repair can be expensive, but that doesn’t mean companies should be charging an arm and a leg to get you started. If a service is asking for large upfront payments, it may not be a legitimate company, as this violates the Credit Repair Organizations Act.

Customer Service

When you have bad credit, you want to see those numbers change as quickly as possible, which is why exceptional customer service is a must-have. Quality customer service teams will watch your credit score around the clock and send notifications when it improves. They will also alert you when there have been any challenges or disputes on your credit report so they can be addressed immediately.

Money-Back Guarantee

The Credit Repair Organization Act actually requires credit repair companies to complete their services before charging their clients. However, most services work around this by charging a monthly fee and then offering a money-back guarantee. If there is no money-back promise offered by the credit company you are looking into, this shouldn’t make or break your decision. However, this guarantee does offer comfort and it’s something to keep in mind.

Free Consultation

Even those with good credit can benefit from a free consultation. Solid credit repair services can give you pointers on how to continue to improve your credit score.

Credit repair is a process that aims to improve an individual’s credit score by addressing negative items on their credit report. These negative items can include late payments, errors, collections, bankruptcies, tax liens, and charge-offs. The goal of credit repair is to remove or modify these items in order to increase an individual’s credit score.

There are a few different strategies that credit repair companies may use to achieve this goal. One strategy is to correct mistakes on the credit report. This can involve identifying errors, such as incorrect personal information or inaccurate accounts, and working to have them corrected with the credit bureaus.

Another strategy is to dispute negative items with the credit bureaus. This can be done by providing evidence that an item is incorrect or outdated, and asking the credit bureau to remove it from the report.

Credit repair companies may also communicate with lenders to request that they adjust negative reporting on an individual’s credit report. This can involve negotiating payment plans or other agreements to have negative items removed or modified.

Finally, credit repair companies may utilize credit reporting regulations and rules to have negative items removed from an individual’s credit report. This can involve identifying items that do not meet the requirements for inclusion on a credit report and requesting that they be removed.

Overall, the goal of credit repair is to remove or modify negative items on an individual’s credit report that are lowering their credit score, in order to improve their creditworthiness and financial standing.

Here’s what a company can do. First, the company will assess your credit situation by looking at your credit reports. Second, it will give you a plan of action to improve your bad credit score. Once you’ve agreed on a plan, the company will start taking action. It may seem like things are moving slowly, but too many inquiries and contentions from the company all at once can raise red flags with the credit bureaus.

Most companies will accomplish all of the following:

  • Retrieve your credit report from the three credit bureaus (Equifax, Experian, and TransUnion)
  • Fix errors on your credit reports
  • Send dispute letters to the three credit bureaus to contest negative items on your reports
  • Negotiate with your lenders to remove negative items from your credit history
  • Take advantage of loopholes to have negative items removed from your credit reports

Here’s what credit repair companies can’t do:

  • Ask you to use a different social security number or change your credit profile completely.
  • Do anything that might be considered illegal.
  • Ask you to lie about your credit history.
  • Ask you to waive any of your rights.
  • Dispute items that it knows to be true. Some agencies will dispute older true items, since those items
  • don’t speak to your current credit history.
  • Use force, like litigation, to remove negative information.
  • Promise you specific results. If it does, it is probably a scam.

Credit repair costs depend on the service, but can range from $69 to $149 per month. The lower end of that scale is for basic repair packages, while the top end gets you all the bells and whistles that the higher-prices companies offer.

Here’s a quick breakdown of the costs of the companies we reviewed:

Lexington Law: $89.95-$125.95 per month $99.95 per month
Sky Blue: $79 per month                                                                                                                                                          The Credit Pros: $69 per month
Credit Saint: $79.99 per month
The Credit People: $79 per month
Pyramid: $99 per month

All of these companies also charge an initial or “first-work” fee for the work they do to get things up and running that first month. That fee is generally around the same price as the monthly fee.

If you are looking to do your own repair on your credit score, you can save a few bucks, but it’s going to take some time and work.

Here are the basic steps:

  • Request your credit reports from Equifax, Experian, and TransUnion.
  • Look over the reports for any information that might be incorrect, out-of-date or easily disputed.
  • Gather any information you can to prove your case to the credit bureaus.
  • Write to the credit bureaus notifying them of what you believe to be incorrect. Include the proof you’ve collected.

Do not try to dispute too many items at once; the credit bureaus don’t like that and can toss some of your disputes. You do not need proof to dispute an item, but it helps. Here are the online dispute pages for each credit bureau:

Can I repair my own credit without dispute letters?

Yes, absolutely. There are simple ways to give your credit score an easy boost.

  • Pay off your credit card balances: How much credit you are using directly impacts your credit score, so zeroing out your accounts (or even paying down the balance) could help raise your score.
  • Fix errors on your report: Millions of people have errors on their credit report and most don’t know about it. Look through your credit reports carefully, and if there are any errors, report them to the credit bureaus[6].
  • Apply for new credit: Getting a new line of credit can bring down your credit utilization score, which can in turn raise your credit score since you are using less of your overall credit balance. Keep in mind, applying for too many new credit cards or loans can actually lower your score, so stick to one at a time.
  • Negotiate with your lenders: Try to open up the lines of communication with your lenders to see if you can strike a deal. If you make a large payment, maybe they would be willing to remove some negative items that they had reported to the credit bureaus.

Is using a top credit repair company better than doing it yourself?

Professional companies will save you time; and they have more experience. But you could get the same results from doing your own credit repair[7]. Most people find it easier to have professionals do it, but if you don’t have the money to pay for an expert, you can certainly do it yourself.

People like a quick fix when it comes to their credit and scammers know this, which is why there are so many credit repair scams out there. So how do you spot the real services from the fake?

Luckily, there are laws when it comes to credit repair, and the government makes companies follow these rules. Knowing the rules will help you determine if an agency is legitimate or not. Here are a few things to keep in mind when shopping around.

  1. Is there a contract? The law stipulates that companies must provide a contract that lays out all the rules and conditions of the services that will be provided, so you know your rights[8]. If a company does not require you to sign a contract, it is probably not legit.
  2. Can you cancel at any time? Companies must, by law, give you an easy out. Most legit companies offer month-to-month services, which give you the option of cancelling at any time. If you are asked to enter into a long-term contract, you might be getting scammed.
  3. Are you promised a credit score increase? Credit repair agencies are not allowed to promise a rise in your credit score[9]. The function of these services is to contest negative items on your credit report; it doesn’t guarantee that those items will be removed, which makes it impossible to promise results.
  4. Do you have to pay first? Credit repair agencies are not allowed to collect monthly fees before it complete the work it promised[10]. So if you are asked to pay a lump sum up front, you should question the legitimacy of the company.
  5. Is the company bonded and insured? When dealing with any company, always ask for its credentials. Make sure that it has taken the proper steps to operate legally within the United States.

Red flags to watch out for

There are other red flags that should cause you to be on your guard.

  • Only communicating through email. Make sure you always talk to a live person.
  • Giving sensitive information over an insecure network. Make sure the website is secure if you are giving any sensitive information. Never give information over email and make sure you know the person you are talking to is legit if you give information over the phone.
  • Asks for financial logins or sensitive information. If a company asks you for your bank login or questions to security questions from financial institutes, that is a big red flag. These companies should be able to pull your credit reports without any banking information, just your social security number, so be wary of any company that asks for that info.
  • Tells you to lie to your lenders. If a company asks you to lie, or even fudge the truth, to your lenders or the credit bureaus, the company is not on the up and up. Never trust a company that makes you do anything that could make you feel uncomfortable.
  • Doesn’t give you specifics. If a company is talking about fixing your credit in general terms, you need to start asking specific questions. How are you going to fix my credit? What steps are you going to take? If they can’t answer the most simple questions, they don’t have a plan and are just after your money.

In addition to these steps, make sure you are reading online reviews and doing your research before you choose any credit repair option.

Reader questions: We gathered all the questions that our readers have sent us to put together a Frequently Asked Questions section to better address your concerns about credit repair. If you have a question, don’t hesitate to reach out to us.

Does credit repair work?

Yes, but only if you have negative items that can be removed from your credit report. Credit repair services work by disputing negative items on your credit report. These can be items that are an error, items that can’t be backed up, or items that are easily removed.

If the majority of items on your credit report are legitimate, you may not be able to remove many of them, meaning your credit score may not rise very much. So, if a credit repair agency promises to raise your score or definitely remove items from your credit report, don’t trust them, it’s probably a scam. The process depends on too many outside factors — such as the credit bureaus and your lenders — to be a sure thing.

Who is the best credit repair company?

To determine the best credit repair company for your unique situation, we recommend keeping the following factors in mind: reputation, legal compliance and customer reaction.

Legal Compliance: The Credit Repair Organizations Act[11] sets strict laws and guidelines that all companies must abide by. In general terms, companies that abide by these guidelines can be trusted.

Reputation: The Consumer Financial Protection Bureau does fine and prosecute any credit repair agencies that are practicing unfairly. So any company that has been around for decades and hasn’t been investigated or fined by the CFPB usually means they are practicing fairly.

Customer reaction: Customer opinion is extremely telling. The BBB helps by listing how many complaints a company has against it. Take most of these with a grain of salt; many people are upset if a credit repair company does not drastically improve their credit score, and will file a complaint because of that, but as we said, there are no guarantees.

Are credit repair and credit restoration the same thing?

Yes. Both terms refer to repairing or restoring your credit history with the goal of improving your credit score, whether by yourself or with the help of a company.

What work from the credit repair services can I expect to see?

Agencies will prioritize fixing errors on your credit report. If you have had a solid credit history of credit usage in the past or have a good track record for the past few years, the services will probably try to negotiate with your lenders to get some of the negative items removed from your credit reports.

Unresponsive Lenders: Negative items from lenders that are traditionally unresponsive can also be removed. Credit repair services may try to contest those items because, according to the Credit Reporting Act, the credit bureaus only have 30 days to verify the information. If they can’t verify it, the items must be removed from your report. If you want to check out your credit report before you sign up for a credit repair service, you can get a free credit report at

Other Things to Remember: If you think your credit score is suffering from issues with identity theft, an identity theft protection service would be a better option than credit repair, since those companies can help warn you of future attacks before anything can happen to your credit score. Check our our Lifelock review to see how these services work.

How long will it take to repair my credit history?

About 6 months seems to be the average amount of time that clients stay with credit repair agencies. Many agencies say that most clients stop around that time because they are satisfied with the results, but there is no guarantee that it will take the same amount of time for everyone. There are many factors that go into repairing credit:

  • Your credit history.
  • How many items can be disputed at one time.
  • The complexity of the items being disputed.

And keep in mind, there are no guarantees in credit repair, and there is a chance that it might not be able to help you with your credit issues. Some people see their score go up 40 points in 4 months (per, while others can be chasing the same increase for years.

Bottom line, don’t expect a quick fix when it comes to credit repair.

Why hire credit repair services?

There are several reasons why an individual may want to use a credit repair company. Some of the potential benefits of credit repair include:

  1. Improved credit score: One of the main reasons people use credit repair services is to improve their credit score. By addressing negative items on their credit report, individuals may be able to increase their credit score, which can make it easier to qualify for loans, credit cards, and other financial products.
  2. Time-saving: Repairing credit can be a time-consuming process, and many people do not have the time or resources to do it on their own. A credit repair company can handle the process for you, freeing up your time to focus on other things.
  3. Expertise: Credit repair companies typically have a team of professionals who are knowledgeable about credit reporting laws and regulations, and who know how to effectively dispute negative items on a credit report. This expertise can be particularly helpful if you are unsure how to address negative items on your credit report or if you are having difficulty getting them removed.
  4. Ease of use: Credit repair companies often offer convenient services, such as online portals or mobile apps, that make it easy for you to track the progress of your credit repair efforts.

Overall, using a credit repair company can be helpful for individuals who want to improve their credit score but do not have the time or expertise to do it on their own. It’s important to carefully research and compare different credit repair companies to find one that meets your needs and has a good reputation.

There is no secret formula to who will benefit from credit repair. If you need help with your credit and you think an agency can help, the best option is to sign up and pay for a few months to see if it works. If it doesn’t, you can cancel the service. (Some companies even offer a 90-day money-back guarantee if you aren’t satisfied.) The point is that you won’t really know until the work is done.

Who qualifies for credit repair?

Anyone with a credit score. That, of course, is a simplified answer. In order for credit repair to work, you would need negative items on your credit report to dispute, although if your reports are clean, you probably aren’t looking to make changes. In theory, however, anyone is eligible to sign up.

What do I need to start with credit repair?

You’ll need your personal information, a form of payment and your social security number if you want the service to pull your credit reports for you. If you want to save money, you can pull your three credit reports yourself to send to the agency you are working with. Many companies charge for pulling your reports. Few won’t let you pull your own credit reports.

Is credit repair legal?

Yes. Keep in mind, though, there are some agencies that are operating illegally. Credit Repair Organizations Act (CROA) in 1996 to help protect consumers against scams. Agencies must operate within the laws of the CROA or they could be heavily fined or even brought up on charges, depending on the violations.

The CROA says that companies cannot make promises about how much their service can improve your score, ask you to hide negative information from your creditors, charge fees upfront for work not completed, and must provide you with disclosures on how the service works before offering you a contract. If a company fails to do any of these things, it might be operating illegally.

What determines a credit score?

Payment history, credit usage, loan/credit types, length of credit history and new inquiries. These are the five categories that determine your FICO credit score. Here is how each category breaks down:

  • Payment history: This accounts for 35% of your credit score. Your payment history is basically a record of if you’ve paid on time or not. It also includes any bankruptcies, foreclosures or other negative items that comprise your overall credit history. This information only stays on your credit report for seven years, unless it is a bankruptcy, which can stay on for 10 years.
  • Credit Usage: This accounts for 30% of your score. FICO uses a credit utilization ratio that shows how much of your overall credit limit you are using. Say you have a $10,000 credit limit total across all of your credit cards. If you have $5,000 in balances on those cards, your credit utilization ratio would be 50 percent. You want to try and keep the number below 20 percent, but the most optimal ratio is obviously zero. The lower your ratio, the higher your credit score, generally.
  • Loan/credit types: This accounts for 10% of your score. This shows lenders how diversified your credit portfolio is. If you only have credit cards, with no mortgages, student loans, car loans, etc., than that might drag down your credit score. Make sure you have different types of credit in your history.
  • Length of credit history: This accounts for 15% of your score. The length of your credit accounts factors into your credit score. If you’ve held the same credit card for 20 years, it shows you know how to responsibly use credit. The longer you’ve had accounts with the same lenders, the better this portion of your credit history looks. This is why it’s smart to keep credit card accounts open, even if you aren’t using the credit card frequently.
  • New inquiries: This accounts for 10% of your score. Every time a lender pulls your credit report file, it shows up on your credit report as new inquiry. If your credit report is pulled too many times in a short amount of time, that signals that you may be taking on more credit than you can handle, which can lower your score. Keep in mind that free credit score/report services like Credit Karma do not show up as new inquiries; these are what FICO refers to as “soft” pulls.

Do credit repair companies operate in every state?

It depends on the state. Some states have stricter laws when it comes to credit repair. These generally require that a company be bonded in the state to help protect customers against scams. Many of them require the companies to have a state-licensed attorney on staff. Other regulate when fees can be collected.

All these rules can deter some companies from practicing in certain states. It’s best to contact the company beforehand to see if it operates in your state. If it doesn’t, it probably a good sign that your state has strict rules when it comes to credit repair, which is always better for the consumer’s protection.

Do any services provide credit coaching?

Yes, several credit repair agencies have coaching in various forms. Most have dedicated agents who will answer all your questions about credit. Here are a few other services that are offered:

  • Sky Blue offers Score Assistance and Credit Rebuilding options. Score Assistance gives you tips on how to make immediate improvements to your credit score. Credit Rebuilding offers advice from experts on how to apply for new credit cards and rebuild your credit in conjunction with the credit repair services.
  • Credit Saint offers a dedicated credit team which will not only assist you with your credit, but give you tips on what you should be doing on your end to improve your credit score and build positive credit history going forward.
  • has an entire Credit Education section on its site to help you better understand credit, but your team will also help you understand everything you need to know about credit.
  • Pyramid actually offers tips and advice to improve your credit before you even sign up for its service. It doesn’t require you to pay or even commit to the service before it goes over your credit report with you and gives you advice on how to improve your credit score.

How big is the credit repair industry in the US?

According to IBIS World, the credit repair industry is expected to experience a compound annual growth rate (CAGR) of 9.5% in 2022. However, this figure represents a decline of -3.2% in the CAGR between 2017 and 2022. This decline is greater than the overall decline in the advisory and financial services industry during the same time period. The credit repair industry is in a declining life cycle stage, which has contributed to this trend.

Article Sources

  1. Better Business Bureau: Lexington Law Credit Repair
  2. Better Business Bureau:
  3. Better Business Bureau: Sky Blue Credit Repair
  4. Better Business Bureau: Credit Saint
  5. Better Business Bureau: The Credit People
  6. National Consumer Law Center: The Truth about Credit Reports & Credit Repair Companies
  7. Federal Trade Commission: Credit Repair: How to Help Yourself
  8. State of Connecticut: Credit repair scams
  9. Consumer Financial Protection Bureau: Don’t Be Misled by Companies Offering Paid Credit Repair Services
  10. North Carolina General Assembly: Credit Repair Services Act
  11. Federal Trade Commission: Credit Repair Organization Act

About the Author

Jeff Hindenach

Jeff Hindenach is the co-founder of Simple. Thrifty. Living. He graduated from Bowling Green State University with a Bachelor's Degree in Journalism. He has a long history of financial journalism, with a background writing for newspapers such as the San Jose Mercury News and San Francisco Examiner, as well as writing on personal finance for The Huffington Post, New York Times, Business Insider, CNBC, Newsday and The Street. He believes in giving readers the tools they need to get out of debt.

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

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

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

  • 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.

  • 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.

  • 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?

    • 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. ( 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!

  • 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!

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

  • 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.

    • 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!

  • Can sky-blue help me I live in chicago

    • Yes, Sky Blue is available in Illinois.

  • 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 .

  • Great article post.Really thank you! Fantastic.

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

    • 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.

  • 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!

  • 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?

    • Yes, Lexington or are probably your best choices.

  • 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!

  • 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.

  • 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.

  • 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

  • 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.

    • 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!

  • 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!

  • 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.

  • 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.

  • 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

  • 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!

  • 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.

  • 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.

  • 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! 🙂

  • 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!!!

  • 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.

  • 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.

  • 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.

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

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

  • 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.

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

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

  • 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.

  • 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.

  • May 25,2016


    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.

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