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With so many bad agencies out there, it can be hard to know what the best credit repair companies are. So which ones can you trust? Based on 2021 research, Lexington Law is the top service overall. However, the best organization for you depends on your specific situation and needs. Here are a few credit restoration services that stand out from the rest. All of these credit repair services come highly recommended, but each is different from the others in unique ways.
Lexington Law: Best Overall Service
CreditRepair.com: Best for Extra Features
Sky Blue: Best for Affordability
Credit Saint: Best for Transparency
The Credit People: Best for Trial Run
Pyramid: No Initial Fee
Ovation: Best Alternative
Contact: (844) 259-3376 | lexingtonlaw.com
|• 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.
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.
Contact: (844) 764-9863 | creditrepair.com
|• 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 CreditRepair.com 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, CreditRepair.com reports a 7 percent decrease in the number of questionable negative items for its clients each month. CreditRepair.com is not accredited with the Better Business Bureau. 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.
Contact: (888) 534-1510 | skybluecredit.com
|• 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. 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.
Contact: (855) 559-5762 | creditsaint.com
|• 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+. 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.
Contact: (866) 323-0104 | thecreditpeople.com
|• 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. 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.
Contact: (866) 634-9255 | pyramidcreditrepair.com
|• 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.
Contact: (866) 639-3426 | https://www.ovationcredit.com/
|• Good price point||• Higher initial fee than some competitors|
|• Multiple plans to choose from||• Can get expensive for higher plans|
Known for: Alternative option. Ovation’s initial fee is a bit high, but its customer service options, discounts, and free consultations make it a competitive choice.
Price: The company will start you off with an $89 initial work fee for the basic packages. After the first month though, those fees will drop to $79 a month or raise to $109, depending on the plan you choose.
Features: This company has two plans at different price points. Each offers different features.
The Essentials Plus plan has an initial $89 first work fee and is $109 per month. This plan offers unlimited challenge validation letters, unlimited creditor goodwill letters, an Ovation recommendation letter, and credit monitoring.
The other plan is the Essentials Plan. This plan has an $89 first work fee and is $79 per month. Its features include options for personalized disputes, a personal case advisor, and other financial management tools.
Cancellation: Ovation Credit Services has monthly payments, so cancellations can be made at any time during the month.
Reputation: Ovation Credit Services has helped more than 120,000 customers and has an average of 19 improvements per client. Overall, their reputation is positive, with an A+ review from the Better Business Bureau.
Guarantee: Ovation Credit Services has a no-risk, refund policy. This means if they do not provide the services they have provided, they will not charge their monthly fee.
Customer service: This company is known for its outstanding customer support. Ovation Credit Services builds personal relationships with its customers, which means each customer is guaranteed customized solutions.
Choosing reliable credit repair firms can be tricky since there are so many scams out there. 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.
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.
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:
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.
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.
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.
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.
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 works by changing or removing items — late payments, errors, collections, bankruptcies, tax liens and charge-offs — from your credit report that are dragging your credit score down. This can be done by correcting mistakes on your report, disputing items with the credit bureaus, communicating with lenders to adjust negative reporting, or utilizing credit reporting regulations and rules to have negative items removed.
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.
Credit repair costs depend on the service, but can range from $79 to $129.95 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
CreditRepair.com: $99.95 per month
Sky Blue: $79 per month
Credit Saint: $79.99 per month
The Credit People: $79 per month
Pyramid: $99 per month
Ovation Credit Services: $79-$109 per month
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:
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:
Yes, absolutely. There are simple ways to give your credit score an easy boost.
Professional companies will save you time; and they have more experience. But you could get the same results from doing your own credit repair. 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.
There are other red flags that should cause you to be on your guard.
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.
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.
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 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.
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.
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 annualcreditreport.com.
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.
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:
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 CreditRepair.com), while others can be chasing the same increase for years.
Bottom line, don’t expect a quick fix when it comes to credit repair.
Who benefits most from credit repair? It really depends. There are several factors to consider before hiring a credit repair agency to help with your credit. Here are a few questions to ask yourself.
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.
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.
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.
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.
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:
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.
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: