Credit Repair
September 11, 2019
By Mary Beth Eastman

Best Credit Repair Companies Reviews 2019

Simple. Thrifty. Living.

With so many bad credit repair agencies out there, it can be hard to know which you can trust. Here are a few credit restoration services that stand out from the other services. All of them are highly recommended, but each company is different from the others.

Best Credit Repair Companies of 2019

Rank Credit Repair Service Known For Monthly Fee BBB Rating Expert Rating
1 Sky Blue Credit Repair Overall Coverage $79 A+ ★★★★★
2 Lexington Law Credit Repair Features $89.95 N/A ★★★★★
3 CreditRepair.com Extras $99.95 A+ ★★★★
4 The Credit People Trial Period $79 A- ★★★★
5 Pyramid Credit Repair Customer Service $99 N/A ★★★

Best Credit Repair Companies of 2019

Rank Credit Repair Service Rating
1 Sky Blue Credit Repair ★★★★★
2 Lexington Law ★★★★★
3 CreditRepair.com ★★★★
4 The Credit People ★★★★
5 Pyramid Credit Repair ★★★

Sky Blue Credit Repair Review

Sky Blue website

Sky Blue Credit Repair Review image
  • Free Consultation: It can be easier to call Sky Blue Credit Repair at (888) 534-1510 so they can help, or you can sign up on the website here.
  • Known for: Bang for your buck. 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. Here is a full Sky Blue review.
  • 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.
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Lexington Law Review

Lexington Law website

Lexington Law Review image
  • Free Consultation: You can call Lexington Law at (844) 259-3376 so they can walk you through the steps, or sign up on the website here.
  • Known for: Cadillac of credit repair. 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. Here is a full Lexington Law review.
  • Customer service: Lexington Law has a comprehensive customer service network which can be very helpful, including phone, email and chat.
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Disclosure
Disclosure

Advertising disclosure: Simple. Thrifty. Living. upholds the strictest editorial standards, and advertising never influences our ranking. We do, however, receive compensation from some of the third-party advertisers who appear on the site. These advertisers don’t have any influence over our editorial content or rankings.

CreditRepair.com Review

CreditRepair.com website

CreditRepair.com Review image
  • Free Consultation: It can be easier to call CreditRepair.com at (844) 764-9863 so they can walk you through the steps, or you can sign up on the website here.
  • Known for: Popularity. This is one of the most popular credit repair 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 (like many online investment sites) 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. See our full CreditRepair.com review here.
  • 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.
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Disclosure
Disclosure

Simple. Thrifty. Living. does receive compensation for some of the services that we recommend, although we have strict editorial guidelines and only recommend services that we truly believe are the reputable. 

The Credit People Review

The Credit People website

The Credit People Review image
  • Free Consultation: Call The Credit People at (866) 323-0104 or sign up on the website here.
  • Known for: 7-day trial. 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.
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Pyramid Credit Repair Review

Pyramid website

Pyramid Credit Repair Review image
  • Signing up: Call Pyramid at (866) 634-9255 or sign up on the website here.
  • Known for: No initial fee.
  • 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.
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First, the credit repair service will assess your credit situation by looking at your credit reports. Second, the credit repair service 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 Card Debt

Even the top services do not help you with your credit card debt. If you are looking for debt relief, check out this Freedom Debt Relief review or this Accredited Debt Relief review to get a better idea of how debt relief services work.

Most credit repair companies will accomplish all of the following:

  1. Retrieve your credit report from the three credit bureaus (Equifax, Experian, and TransUnion)
  2. Fix errors on your credit reports
  3. Help improve your FICO score
  4. Negotiate with your lenders to remove negative items from your credit history
  5. Take advantage of credit repair law loopholes to have negative items removed from your credit reports

 

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:

  • Do you have to pay money upfront? The CROA (Credit Repair Organization Act) forbids this. Companies are only allowed to charge after the work as been completed. Initial fees are allowed as a one-time charge.
  • Does the company guarantee a credit score increase? Since credit repair companies are dealing with third-party agencies (the three credit bureaus), there is no guarantee that they will be successful.
  • Can you easily cancel? The CROA requires that companies allow users to cancel the service easily, which is why the most respected companies are on a month-to-month payment plan.

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 fair credit repair.

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 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.

It 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.

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.

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 a credit repair service, you can get a free credit report at annualcreditreport.com.

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:

  1. Request your credit reports from Equifax, Experian, and TransUnion.
  2. Look over the reports for any information that might be incorrect.
  3. If you see anything that might be incorrect, find information that supports you.
  4. Write to the credit bureaus notifying them of what you believe to be incorrect. Include the proof you’ve collected.

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:

  • Option to cancel at any time
  • Provide a list of all services
  • Does not require compensation for uncompleted work

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:

  • 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 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.

  • 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. (https://www.nfcc.org/). You could even sign up for credit repair with one of the services listed and use the NFCC for credit counseling if you need to. Hope this helps!

  • 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.

  • 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.

  • 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 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 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.

  • 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.

  • 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.

  • 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.

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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.