With so many scam credit repair services out there, it is hard to know which one is the best. Will they really repair your credit? 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. 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 rated highly 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:

  • Price: Lexington Law actually has three different tiers of service, which cost $79.95/month, $99.95/month or $119.95/month, depending on the service you choose.
  • 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.
  • Cancellation: Lexington Law’s services are month-to-month, so you can cancel at any time.
  • Reputation: Lexington Law is the only credit repair service run by actual lawyers, so its reputation is strong. It also has an A- rating from the Better Business Bureau.
  • Guarantee: Lexington Law 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.
Initial Fee Monthly Fee BBB Rating Phone STL Rating
$79.95 $79.95 A- (844) 259-3376 best credit repair

SKY BLUE CREDIT REPAIR REVIEW
SKY BLUE REVIEW
  • Price: Sky Blue has one of the lowest prices among repair services. The initial fee is $59, and then it is only $59 per month after that.
  • Features: Sky Blue is one of the best services, but it doesn’t have all the fancy bells and whistles that other 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.
  • 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.
  • 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.
Initial Fee Monthly Fee BBB Rating Phone STL Rating
$59 $59 A+ (888) 534-1510 best credit repair

THE CREDIT PEOPLE REVIEW
CREDIT PEOPLE REVIEW
  • 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. They also have the option of a lump-sum price of $299 for six months of service, or you can pay monthly for $69 a month.
  • 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.
Initial Fee Monthly Fee BBB Rating Phone STL Rating
$19 (7-day trial) $69 A- (844) 528-2246 best credit repair

PYRAMID CREDIT REPAIR REVIEW
PYRAMID REVIEW
  • 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.
Initial Fee Monthly Fee BBB Rating Phone STL Rating
$0 $99 N/A (866) 634-9255 best credit repair
CREDITREPAIR.COM REVIEW
CREDITREPAIR.COM REVIEW
  • Price: CreditRepair.com only has one tier of service, at $99.95, which includes all of their bells and whistles.
  • Features: CreditRepair.com 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 credit card issuers 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: CreditRepair.com’s services are month-to-month, so you can cancel at any time.
  • Reputation: CreditRepair.com comes with a solid reputation and an A+ rating from the Better Business Bureau.
  • Guarantee: Just like Lexington Law, CreditRepair.com will only charge you for the month once they have completed the work you agreed upon.
  • Customer service: CreditRepair.com has a sleek user interface, which makes the need for customer service less, but their customer service is still solid.
Initial Fee Monthly Fee BBB Rating Phone STL Rating
$99.95 $99.95 A+ (844) 764-9863 best credit repair

What Are the Best Credit Repair Companies?

credit repair companiesMost 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
  5. Take advantage of credit repair law loopholes to have negative items removed from your credit reports

Best Credit Repair Company Overall: Lexington Law

Sign up for Lexington Law here | 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 $79.95 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 $99.95/month, and the Concord Premier package, which is $119.95/month.

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 derogatory information be removed from your report. The Concord Premier package includes that, as well as monthly credit monitoring and identity theft protection.

Reputation: Lexington Law has been around longer than Sky Blue, but it only scores an “A-” with the Better Business Bureau. That is still a good score, granted, but not as good as Sky Blue.

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.

Best Credit Restoration and Repair Company for Savings: Sky Blue

Sign up for Sky Blue here | Sky Blue website | (888) 534-1510

Price: Sky Blue is the cheapest (trust-worthy) service that I found. Most services have a large initial fee that usually tops $100 or more, but Sky Blue’s is only $59. Even better, the monthly payment for Sky Blue is also only $59, and most services claim to be able to raise your score within six months, so you won’t be paying that indefinitely.

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. They don’t have fancy online tools to track your progress. 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 your credit score back to where it should be.

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.

Best Credit Repair Company for Customer Service: Pyramid Credit Repair

Sign up for Pyramid here | 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.

Best Credit Repair Service for Deals: The Credit People

Sign up for The Credit People here | The Credit People website | (844) 528-2246

The Credit People charges $69 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?

$69 a month for the monthly service, $299 for the lump-sum cost option of six months. $19 for a seven-day trial of the services. You can cancel your service at any time. Here is a full The Credit People review.

Best Credit Repair Company for Identity Theft: CreditRepair.com

Sign up for CreditRepair.com here | CreditRepair.com website | (844) 764-9863

A personalized dashboard and visual representation of your credit score helps you develop a game plan for fixing your credit. Creditrepair.com 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, CreditRepair.com gives you a great online dashboard to track your progress.

What Does it Cost?

Simple, straight-forward pricing is the answer at Creditrepair.com. It is $99.95 per month with no contracts or commitments. If you sign up with someone else, you can both save $50 on the first month.

Best Credit Repair Company for Simplicity: Ovation

Sign up for Ovation here | Ovation 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.

Honorable Mention: Credit Assistance Network

Sign up for Credit Assistance Network here | 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.”


How do you find the best credit repair companies?

Credit repair 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 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 after the work as 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. Any company that guarantees a credit score increase 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 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 how customers view the credit repair company. 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 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.)

How does credit repair work?

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. You can do any of these things by yourself, but most professional services have a better understanding of how credit works and how to get these things done more efficiently and effectively. Unlike credit cards and online loans, there is no approval process for credit repair. If you want to repair your own credit, there are many easy ways to do that as well. 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.

Are credit repair and credit restoration the same thing?

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.

What do credit repair companies do?

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, whether it be fixing errors, negotiating with your lenders or contesting items 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 you 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.

What credit repair services can I expect to see?

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 repair services can attack negative items on your credit report, so it just depends on the plan of attack you choose. The one thing repair agencies cannot do is protect you from identity theft. If you are looking for identity theft protection, check out this Lifelock Identity Theft review.

How do I know the best credit repair service for me?

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 CreditRepair.com 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.