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With so many bad credit repair agencies out there, it can be hard to know which you can trust. Based off of our 2020 research, Sky Blue credit repair is the best credit repair company overall. However, the best services for you depend on your specific situation and needs. Here are a few credit restoration services that stand out from the rest. All of these credit repair companies come highly recommended, but each is different from the others in unique ways.
|Rank||Credit Repair Service||Known For||Monthly Fee||BBB Rating||Expert Rating|
|1||Sky Blue Credit Repair||Overall Service||$79||A+||★★★★★|
|2||Lexington Law Credit Repair||Options||$89.95||N/A||★★★★★|
|5||The Credit People||Trial Run||$79||A-||★★★★|
|6||Pyramid Credit Repair||Alternative||$99||N/A||★★★|
Contact: (888) 534-1510 | skybluecredit.com
What You Need To Know
Known for: Overall service. 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 services, but it doesn’t have all the fancy bells and whistles that the other services have. They do give you 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.
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’s services are month-to-month, so you can cancel at any time.
Reputation: Sky Blue is considered one of the top credit repair services, with an A+ rating from the Better Business Bureau and top ranking across review sites. The service is transparent in what they offer and has 20 years of experience in the industry.
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: (844) 259-3376 | lexingtonlaw.com
What You Need To Know
Known for: Options. With decades of credit repair experience, Lexington Law is known for offering features and services that other credit repair companies 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 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. 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 credit repair features and can 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 has been around longer than most of the other credit repair services, and it scores an “A-” with the Better Business Bureau.
Cancellation: Lexington Law’s services are month-to-month, so you can cancel at any time.
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: (855) 559-5762 | creditsaint.com
What You Need To Know
Known for: Affordability. Most of the other affordable credit repair offerings only offer one tier of service; Credit Saint offers three different tiers, all at affordable prices.
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+.
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: (844) 764-9863 | creditrepair.com
What You Need To Know
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 of credit repair (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, fixing mistakes on your report and using loopholes 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 are month-to-month, so you can cancel at any time.
Reputation: The company comes with a solid reputation and an A+ rating from the Better Business Bureau. On average, it reports a 7 percent decrease in the number of questionable negative items for its clients each month.
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: (866) 323-0104 | thecreditpeople.com
What You Need To Know
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. It has several reviews on the BBB website, which average out to about an A- rating. 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
What You Need To Know
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 repair. 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 month-to-month, so you can cancel at any time.
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.
Credit repair works by changing or removing items from your credit report that are dragging your credit score down. This can be done by fixing mistakes on your credit report, negotiating with lenders to remove or change negative reporting, or utilizing loopholes in credit reporting regulations and rules to have negative items removed.
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:
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.
The U.S. government enacted the Credit Repair Organizations Act which sets strict laws and guidelines that all credit repair companies must abide by. In general terms, companies that abide by these guidelines can be trusted. Those that don’t are probably a scam. Things to look for:
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 fair credit repair.
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 when it comes to credit repair.
Our team carefully reviewed the companies above using this and other criteria.
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.
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 a credit repair service, you can get a free credit report at annualcreditreport.com.
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.
The top credit repair services depends on what you are looking for. Determine what your highest priorities are, whether it be price, reputation, a money back guarantee, or something else. Then, reference our company comparison at the top of the page.
Professional companies will save you time; and they have more experience. But you could get the same results from doing your own credit repair. Here are the basic steps:
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 a credit repair agency is legit or not. Here are a few things to keep in mind when shopping around for credit repair.
These items all have to do with the law, but there are other red flags that should cause you to be on your guard.
In addition to these steps, make sure you are reading online reviews and doing your research before you choose any credit repair option.
Despite the stigma associated with credit repair agencies, there are companies that can help your credit score. Here’s how to find one that can help and avoid scams.
Finding a company: A good way to find a legitimate credit repair company to use is to look for a company that follows these government standards:
Know what to expect: Credit repair is not a magical fix to your credit problems. The companies can contest items on your credit reports, but whether the credit bureaus agree to remove those items is outside of their control.
Don’t overpay: Most companies charge by the month, which may seem convenient. But the process can also take a long time. Watch out for companies that purposefully prolong the process to make you pay more.
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 credit repair might not be able to help you with your credit issues. Some people see their score go up 40 points in 4 months (pre 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 a credit repair agency can help, the best option is to sign up and pay for a few months to see if it helps. 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.
Reader questions: We gathered all the questions that our readers have sent us about credit repair to put together a Frequently Asked Questions section to better answer your questions about credit repair. If you have a question about credit repair, don’t hesitate to reach out to us.
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 for credit repair. In theory, however, anyone is eligible to sign up for 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.
Yes. Keep in mind, though, there are some agencies that don’t work within the government laws, and those are operating illegally. The government passed the Credit Repair Organizations Act (CROA) in 1996 to help protect consumers against credit repair scams. Credit repair 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.
This depends on your credit situation. Credit repair agencies are going to produce the same work for all clients across the board, but the actual results of those efforts depends on many factors, including whether you have negative items that are easily disputed or errors that are easily fixed. Some people see great results from credit repair and some see very little movement. Unfortunately, you won’t know until the work is done if it’s worth the money you put in. The best way to look at credit repair is that you paying for the work, not the results. Here is a breakdown of credit repair costs to help you determine if it is worth the money.
Yes, absolutely. There are simple ways to give your credit score an easy boost.
You can also mimic what credit repair companies do by sending your own letters to the credit bureaus to dispute negative items on your report. 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.
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’s law. 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:
Advertising Disclaimer: Simple. Thrifty. Living. does receive compensation for some of the services that we recommend, although we only recommend services that we truly believe are the best.