January 1, 2019

Best Credit Repair Companies Reviews 2019

Simple. Thrifty. Living.

Struggling with bad credit scores? With so many scam credit repair companies out there, it is hard to know which are the best credit repair companies for credit help. Will they really repair your credit history? Are they trustworthy enough to not mess up your relationships with your lenders? Are they going to charge you a bunch of money and only raise your credit a point or two? All are valid questions and ones that I asked myself when I was researching and reviewing the different companies for credit help. I have found that there are a few credit restoration services that stand out above and beyond all the other services. While they all are highly recommended in my own research, they have a lot of unique features that make them quite different services. Which one should you use? Here’s a breakdown of what each services offers:

Best Credit Repair Companies of 2019

Rank Credit Repair Service Best For Monthly Fee BBB Rating Expert Rating
1 Lexington Law Credit Repair Overall Coverage $89.95 N/A ★★★★★
2 Sky Blue Credit Repair Value for Price $69 A+ ★★★★★
3 Affordability $49.95 A+ ★★★★★
4 The Credit People Trial Period $89 A- ★★★★
5 Pyramid Credit Repair Customer Service $99 N/A ★★★

Best Credit Repair Companies of 2019

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

Lexington Law Review

Lexington Law website

Lexington Law Review image
  • Signing up: It can be easier to call Lexington Law at (844) 259-3376 so they can walk you through the steps of signing up, or you can 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, and Lexington Law credit repair reviews reflect that.
  • 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.
  • 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.
  • Cancellation: Lexington Law’s services are month-to-month, so you can cancel at any time.
  • Guarantee: Lexington Law credit repair only charges for the work it has already completed.
  • Customer service: Lexington Law has a comprehensive customer service network which can be very helpful, including phone, email and chat.

Sky Blue Credit Repair Review

Sky Blue website

Sky Blue Credit Repair Review image
  • Signing up: It can be easier to call Sky Blue credit repair at (888) 534-1510 so they can help walk you through the steps of signing up, 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 in credit repair and offers 5-star customer service.
  • Price: Sky Blue has one of the lowest prices among credit repair services. The initial fee is $69, and then it is only $69 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 best services have. They do give you straightforward 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 credit repair offers is the ability to pause your service 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.
  • 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 repair service. Review website Review image
  • Signing up: It can be easier to call at (844) 764-9863 so they can walk you through the steps of signing up, or you can sign up on the website here.
  • Known for: Popularity. is one of the most popular credit repair companies, partly because of its name and many reviews, but also because it includes so many extras such as identity theft protection.
  • Price: is now offering a more affordable option of credit repair, at $49.95. 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. It also offers a top tier service at $99.95, which includes all of their bells and whistles, including identity theft protection and credit report monitoring. (There is also a $14.99 charge to pull your credit reports.)
  • Features: 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 will monitor your credit and offer a sleek user interface to help you track your progress.
  • Cancellation:’s services to repair your credit score are month-to-month, so you can cancel at any time.
  • Reputation: comes with a solid reputation and an A+ rating from the Better Business Bureau.
  • Guarantee: Just like Lexington Law, will only charge you for the month once they have completed the work you agreed upon.
  • Customer service: has a sleek user interface, which makes the need for customer service less, but their customer service is still solid.

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 best. 

The Credit People Review

The Credit People website

The Credit People Review image
  • Signing up: It can be easier to call The Credit People at (844) 528-2246 so they can walk you through the steps of signing up, or you can 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: The best part about The Credit People is they offer a seven-day trial for only $19, so you can try it out before you buy. The monthly cost is $89.
  • Features: The Credit People is much like SkyBlue in that they only offer straightforward 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 the best guarantee that we’ve seen. You get 100 percent money back at any point during the six months if 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.

Pyramid Credit Repair Review

Pyramid website

Pyramid Credit Repair Review image
  • Signing up: It can be easier to call Pyramid at (866) 634-9255 so they can walk you through the steps of signing up, or you can sign up on the website here.
  • Known for: No initial fee. Most credit repair companies charge an initial fee to start services, since most don’t charge you anything until work is completed for the month, but Pyramid Credit Repair does not charge an initial fee.
  • Price: Like many streamlined credit repair service, Pyramid only offers one option for service at $99 a month. You can also sign up for a couples plan for $198 a month, which also includes 50% off the first month of service. On the plus side, there is no initial fee, so Pyramid is free to use for the first 5 to 15 days, depending on what state you live in.
  • Features: The best feature of Pyramid is that it offers a dedicated personal account manager that walks you through everything and monitors the progress of your credit repair. Pyramid, like other credit repair service, 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. It will also negotiate with your lenders to remove negative items from your credit report. 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 actually has one of the strongest reputations of any credit repair service that we’ve reviewed. Most of its online reviews are extremely positive, with user reviews star ratings often beating out profession review star ratings. Although Pyramid has only been around since 2010, its owners say they are trying to reinvent the old credit repair model.
  • Guarantee: Another great feature of Pyramid Credit Repair is its 90-day 100% money-back guarantee if you are unsatisfied for any reason.
  • Customer service: Pyramid Credit Repair is known for its excellent customer service, which is important to people who are struggling with credit repair issues. 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.

Lexington Law website  |  (844) 259-3376

Lexington Law Cost: Lexington Law has an initial fee of $99.95, plus $10 so they can pull your credit reports. After that, it is $89.95 a month for the basic package, as well as a paralegal that gives you other ways to help raise your credit score and deals with your account. There are upgrades if you want more features: the Concord package, at $109.95/month, and the Concord Premier package, which is $129.95/month. Lexington Law does not provide free credit reports like some credit repair companies, so you’ll have to also pay the $14.99 to pull your credit reports, which is actually pretty common amount credit repair services.

Features: The basic package offers the repair basics, including fixing mistakes on your credit report, sending good faith letters to your lenders and looking for legal loopholes, but the Concord package also offers extra scrutiny when it comes to the FTC regulations that lenders must follow when reporting to the credit bureaus. If they aren’t following those regulations, Lexington Law can request that negative information be removed from your report. The Concord Premier package includes that, as well as monthly credit monitoring and identity theft protection. All of these features are what makes Lexington Law one of the most highly recommended credit repair services.

Reputation: If you want the best credit repair service on the books, Lexington Law is your best bet. It has been around longer than most of the other credit repair services, and it scores an “A-” with the Better Business Bureau.

Guarantee: Lexington Law’s guarantee relates to the work they promise to do for you, so make sure you read over your agreement before you sign anything. On the plus side, Lexington Law only charges for the work it has already completed. On the downside, it is not a 100 percent guarantee like Sky Blue’s. Here is a full Lexington Law review.

Sky Blue website  |  (888) 534-1510

Price: Sky Blue is the cheapest (trustworthy) service that I found, which is why it comes highly recommended. Most services have a large initial fee that usually tops $100 or more, but Sky Blue’s is only $69. Even better, the monthly payment for Sky Blue is also only $69, and most services claim to be able to raise your score within six months, so you won’t be paying that indefinitely. Sky Blue provides free credit reports with its service, so you don’t have to pay extra for that.

Features: Because of the low price, Sky Blue doesn’t have all the fancy bells and whistles that other services have. They don’t monitor your credit. But they do give you straightforward repair services, including fixing mistakes on your credit report, sending good faith letters to your lenders and looking for legal loopholes to get negative information off your credit report and your credit score back to where it should be, as well as a great set of online tools to help you track your progress.

The coolest feature? You can pause your service at any time if you want to take a break or can’t afford a month or two of service. No other credit repair service offers this feature. (Generally with other services, you have to cancel service and then re-sign up if you want to start again.)

Reputation: Sky Blue has one of the highest Better Business Bureau ratings that we saw for a repair service, with an “A+” score. The service is transparent in what they offer and has 20 years of experience in the credit repair industry.

Guarantee: The best part about Sky Blue is that is has a 100-percent, 90-day guarantee that will give you a full refund if you are not satisfied. Doesn’t matter the reason, they will give you a refund within 90 days of when you sign up if you don’t think they have done their job. That’s a pretty strong feature to offer in the world of scammy services. Here is a full Sky Blue review. website  |  (844) 764-9863

A personalized dashboard and visual representation of your credit score helps you develop a game plan for fixing your credit. helps manage the dispute resolution process to remove negative items from your credit report. On average, they report a seven-percent decrease in the number of questionable negative items for their clients each month. Like many online investment sites, gives you a great online dashboard to track your progress. You can find out more from our full review.

Price: is now offering an affordable option for people looking for credit repair help without breaking the bank. The price is $49.95 per month, and while this plan offers less of the perks that most credit repair companies offer, it can be a step in the right direction for anyone looking for affordable credit repair. also offers a standard service for $99.95, which offers the standard credit repair work along with credit report monitoring and credit score analysis.

BBB Rating: A+

Guarantee: will not charge for any work that it has not completed, and you can cancel at any time, but it does not offer any money-back guarantee.

The Credit People website  |  (844) 528-2246

The Credit People charges $89 a month, but it also has some incentives that can help keep costs down. First, you can sign up for a seven-day trial for only $19, so you don’t have to commit to anything long-term and can try out the service first. The Credit People also offers a lump-sum option of $299 for six months of service, which saves you over the monthly rate. The Credit People also offers a guarantee if you aren’t satisfied with the work.

What Does It Cost?

$89 a month for the monthly service. $39 for a seven-day trial of the services. You can cancel your service at any time. Here is a full The Credit People review.

Pyramid Credit Repair website  |  (866) 634-9255

Price: Pyramid Credit Repair has straight-forward pricing, with one plan that costs $99 per month. You can sign up for the service as a couple, which is expectedly $198 per month, but comes with a 50% discount on the first month. On the plus side, Pyramid does not charge an initial fee like most credit repair services.

Features: Outside the normal credit repair features, like fixing credit errors and negotiating with lenders, Pyramid offers an easy-to-use website and mobile site to help you easily track your credit progress. It also offers dedicated account managers to each customer to help manage the progress and any questions you may have along the way.

Reputation: Pyramid has a pretty stellar online reputation, which has a lot to do with its excellent customer service and dedicated account managers. Pyramid scores close to 5 stars in most online reviews, although it is not registered with the Better Business Bureau, so there is not comparison with other credit repair companies when it comes to the BBB.

Guarantee: Just like Sky Blue, Pyramid Credit Repair offers a 90-day 100% money-back guarantee, which is a great feature to offer. There is, of course, no guarantee when it comes to credit repair, but if you are not satisfied in any way, Pyramid will refund your money.

Ovation Credit Repair website

Although relatively new, Ovation has established a solid reputation in credit repair since it started in 2004. An A+ rating with the BBB and a 100-percent money-back guarantee, Ovation offers the opportunity to try their service with no risk. Unlimited disputes, direct submission to the credit bureaus and personalized service with an action plan all give you the tools needed to help learn how to clean up credit.

What Does it Cost?

Ovation offers two basic plans with some customization options.

  • Essentials — At $59 per month, this is one of the more inexpensive options for repair services. There is an additional $89 setup fee, and you will need to provide a copy of your credit report to get started. You can add same-day processing and identity optimization for additional, one-time fees.
  • Essentials Plus — This tier bills at $89 to set up and $89 per month. In addition to dispute resolution, this plan includes sending out creditor goodwill letters asking for negative items to be removed. In addition, TransUnion credit monitoring is part of the package, so you are notified any time there is activity that could affect your score.

Credit Assistance Network website

The owner of Credit Assistance Network has years of experience in the field, offsetting the relative newness of the company. It started in 2004, and there is little information about actual success. The site does detail the list of services, but does not mention much about reasonable expectations. Be sure to read the FAQ to get more detail on what you can expect from this service.

What Does it Cost?

In an industry where transparency is a key indicator of trustworthiness, Credit Assistance Network does not post their pricing. To get pricing, you must fill out a request for a “free credit analysis.”

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

Related article: Best Credit Card for Your Credit Score

Credit repair and credit help can be complicated. Since we are dealing with people desperate to fix their bad credit, many credit repair companies will try to take advantage of that. There are hundreds of credit repair  companies and programs in existence, from online products to how-to videos to so-called “credit hackers”. So how did we pick the best? We looked at a couple of different factors: reputation, legal compliance and customer reaction.

Legal compliance: The easiest to look at is legal compliance. 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 are typically on the up-and-up and 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. Credit repair companies are only allowed to charge payments after the work has been completed. Some companies charge an “initial” fee to start services, just to make sure they won’t do the work and not get paid, and these are allowed, but it’s a one-time fee.
  • Does the company guarantee a credit score increase? There are no guarantees when it comes to credit repair. Since credit repair companies are dealing with third-party agencies (the three credit bureaus), there is no guarantee that they will be successful in fixing your credit. Any company that guarantees a good credit score is probably scamming you (unless they have already researched your reports and have a plan of attack they think will work.)
  • Can you easily cancel? The CROA requires that credit repair companies and credit repair programs allow users to cancel the service easily, which is why the most respected companies are on a month-to-month payment plan.

Reputation: As seen in recent news, the Consumer Financial Protection Bureau does go after, fine and prosecute any credit repair agencies that are practicing unfairly, in other words, scams. 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. There are also independent sites and agencies that review credit repair companies to see how reputable they are, such as the Better Business Bureau, which gives all the companies we’ve reviewed an A- or higher.

Customer reaction: One of the most important parts to look at is the credit repair company reviews left online. The BBB helps with that because it lists how many complaints a company has against it. Take most of these with a grain of salt; many people that leave credit repair company reviews 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.

We’ve also had people on our own site tell us what they thought of the services we recommended after they signed up, which is a great anecdotal way to find out which credit repair companies that customers like most. (See comments at the end of this article to see our readers’ reactions.)

Credit repair companies can be very effective at helping improve your credit score, but just how effective depends on the credit repair company and your credit report. To help raise your credit score, credit repair companies first obtain your credit report and evaluate what they find.

Among the information on a credit report are a history of your credit accounts, credit inquiries, and public records and collections. Your credit accounts are added to your report by the lenders you’ve gotten credit from. They report what type of account it is, when it was opened, your credit limit or loan amount, the balance of the account, and a history of your payments. The credit inquiries section holds a list of who has accessed your credit report in the past two years, whether it was because you were seeking a line of credit or a lender was looking to pre-approve you for one. Public records include information such as any lawsuits or bankruptcies, and collections information comes from collection agencies as well as courts.

Credit repair companies identify negative information on your credit report that is harming your score and could be contested or negotiated away. Sometimes the information is a simple mistake that was reported in error by a lender, but even when it’s not, credit repair companies can often work with your lenders to change or remove the items that are dragging your credit score down. Credit repair can also involve utilizing loopholes in credit reporting rules and regulations to have negative items removed.

Can a credit repair company really help you improve your credit score? The answer is yes. You don’t have to work with one, of course; you can try to tackle any of the previously mentioned issues on your credit report by fixing your credit yourself. Unlike credit cards, a mortgage or online loans, there is no approval process for credit repair, and your credit score will not affect the cost, like it does with interest rates or loan costs. However, most professional services have a better understanding of how credit works, how to communicate and negotiate with lenders, and how to get these things done efficiently and effectively. Credit repair can be a lengthy process, and leaving it to a professional can help you avoid both frustration and failure.

If you think your credit score is suffering from issues with identity theft, using an identity theft protection service would be a better option than credit repair because those companies can help warn you of future attacks before anything can happen to your credit score. Check out our Lifelock Review to see how these services work, or look at our comparison of Lifelock vs. Experian to review identity protection services side by side.

Essentially, yes. People do tend to think of credit repair and credit restoration as two separate ideas, though. Credit repair is often used to refer to only companies that you can hire to repair your credit. Credit restoration, on the other hand, is more thought to refer to restoring your own credit, without the help of a company. Both terms can refer to any type of credit fixing, whether it be on our own or with the help of a company.

First, the company will assess your credit situation by looking at your credit reports, which you generally will have to provide. Second, the company will give you a plan of action that it thinks is best to improve your credit score from bad credit to good credit, whether it be fixing errors, negotiating with your lenders or contesting negative information on your credit report that can easily be removed. Once you’ve agreed on a plan, the company will start taking action. Keep in mind, it may seem like things are moving slowly, but too many inquiries and contentions all at once can raise red flags with the credit bureaus, so it’s better to move slowly at first. Repair companies do not help you with your credit card debt, though, which some assume it does. 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. A good credit score, however, will help you get approved for better consolidation loans with better interest rates.

This really depends on your credit report. If you have a lot of errors on your report, whether they are factual errors or misreporting from your lenders, the service will prioritize fixing those errors. If you have had a solid history of credit usage in the past or have a good track record for the past few years, the service will probably try to negotiate with your lenders to get some of the negative items removed from your credit reports. If you have negative items from lenders that are traditionally unresponsive, the service may try to contest those items, since 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. There are a number of ways credit repair services can attack negative items on your credit report, so it just depends on the plan of attack you choose.

This also depends on what you are looking for. If you are looking for a more affordable company that just does the basics of credit repair, a company like Sky Blue is a great choice because they have the cheapest monthly price and offer great results. If price isn’t an issue and you want extras like monthly credit monitoring and identity theft protection, companies like Lexington Law and both offer those along with a great track record. If you are worried about being scammed, both Sky Blue and The Credit People offer a 100-percent guarantee if you aren’t satisfied in any way. Sky Blue’s guarantee expires after 90 days, but The Credit People’s guarantee has no time limit.

This depends on what you mean by “better”. It is definitely cheaper to do it yourself, but it requires a lot more work than hiring a credit repair company. There is also the question of experience and effectiveness. The top credit repair companies have been doing the same work for years and have a better grasp on credit laws and how the credit bureaus work, giving them the upper hand when it comes to repairing credit. That being said, if you put in the work, did your research on credit repair and how it works, and remained persistent, it could save you a lot of money in the end to repair your credit yourself.

When many people hear the words credit repair, images of overpriced services and scam-like dealings can spring to mind, and, to be fair, there are a good amount of credit repair scams available to anyone who doesn’t do their research. There are, however, certain credit repair companies that can actually help you improve your credit score. The key is to knowing which companies can help and the best way to go about using those companies.

Finding a company: The best way to find a legitimate company to use is to look for one that plays by the rules. Credit repair services are required to follow certain guidelines under the law in order to comply with government standards. These include having the option to cancel at any time (which is why most offer month-to-month services), including all services provided in writing, and not paying upfront for work that has not been completed.

Know what to expect: Credit repair is not a magical fix to your credit problems. It is a highly-regulated practice that has to follow strict rules, which means that companies can’t just wave their magic wand and fix your credit. They can contest items on your credit reports, send letters to your creditors and other tools at their disposal, but whether the credit bureaus agree to remove those items is completely up to them. That said, credit repair has a different result for everyone. Your score can jump 100 points or maybe just 5 points. Knowing that credit repair is not a miracle fix helps you go into the experience with realistic expectations.

Don’t overpay: Credit repair companies charge by the month, which is convenient, but the process can also take a long time. Companies can only challenge a small number of items on your credit report each month (per credit bureau rules), so it can be a slow process. Some companies will try to prolong the process to charge you more in the long run. If it’s been a couple months and there has been no progress, it might be a good idea to cut and run instead of spending more money on something that may not fix your credit.

  • 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.

  • 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.

  • 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 probably the best 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. The best one 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,
    Best of luck to you and 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 best 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 credit repair for someone who just needs a little bump in their credit score?

    • Skyblue is still the best 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 the best credit repair service out there. 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 credit repair. 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.

  • i am happy for chose sky blue. after 5 days they send email for get 2 security credit card at least , and they also send another email about my credit report and they had some advise of 3 account (they put stop for dispute) unless i want it, i worked with 3 credit service before they all were scam, took my money without any improve my credit.
    the only honest credit repair service i found is sky blue (so far). they charge only $59 monthly plus one time $29 for get credit report. for any reason no matter what, u can cancel you account.

  • 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’m glad we could help!

      • May 25,2016


        Thank you for this article Jack Ryder.
        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.

  • 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.

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