Which is the Cheapest Credit Repair Service?

Written By Jeff Hindenach
Last updated January 27, 2021

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Credit Repair
December 10, 2016

Simple. Thrifty. Living.

There are a ton of credit repair service options out there competing for your business. So which one should you choose? Many credit repair services offer a bunch of extras that you don’t need and end up charging you for them, whether you want them or not, which can drive up credit repair costs. If you are just looking for basic credit repair services, don’t fall for the scam of paying for the extras. Pick a top credit repair service that only does credit repair, and does it well. So which services can do that? These are the best services that we found:

Price: Sky Blue Credit Repair has the cheapest price and is one of the most trusted credit repair services around. Compared to industry leaders like Lexington Law and CreditRepair.com, Sky Blue offers the most affordable service, although Credit Saint also offers affordable option. Sky Blue charges an initial fee like most credit repair services, but Sky Blue’s is only $79, which is also the price for the monthly payment. Sky Blue says they can help you within six months, so you should be paying less than $400 for their services.

Features: Sky Blue Credit Repair gives 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. They will keep you up to date on everything they are doing to help repair your credit.

Reputation: Sky Blue Credit Repair has one of the highest Better Business Bureau ratings that we saw for a credit 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. Check out our full Sky Blue review for more information.

Guarantee: The best part about Sky Blue Credit Repair is that is has a 100% 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 credit repair services. Sign up for Sky Blue Credit Repair here or call (888) 534-1510 to talk to a live person. (Reader tip: Call between 9-5 M-F EST, press 2 at menu.)

Price: Credit Saint offers a slightly higher price than Sky Blue, at $79.99 per month. The initial cost is also more at $99. Unlike Sky Blue, Credit Saint actually offers two additional tiers of service that get more aggressive with credit repair as you pay more. The two additional tiers are $99.99 per month and $119.99 per month, respectively. The top tier has an initial cost of $195, while the middle tier is still $99.

Features: As said above, Credit Saint offers three tiers of service: Credit Polish, Credit Remodel and Clean Slate. Credit Polish includes dispute letters to the credit bureaus for a variety of negative items, including late payments, identity thefts, charge offs and any collections. Credit Remodel includes all of that, plus dispute letters for bankruptcies and repossessions. Clean Slate gets more aggressive with the dispute letters, and also includes disputes for any judgements that you may have on your credit reports.

Reputation: Credit Saint has an A+ from the Better Business Bureau and generally receives positive reviews from online review sites.

Guarantee: Credit Saint’s guarantee is a little different from Sky Blue’s. It offers a money back guarantee if it does not remove at least one negative item from your credit reports within the first 90 days. You can check out our Credit Saint review to find out more.

Price: The Credit People costs the same as Sky Blue, $79 per month. The initial fee is $19, but only for the first seven days. (Most other credit repair initial fees cover the first month.) You can also get a discount if you pay for six months upfront.

Features: Just like Sky Blue, The Credit People only has one tier of service, the basic package. This includes dispute letters to the credit bureaus in order to contest negative items on your credit reports. Like other credit repair services, it will also fix any errors on your credit reports.

Reputation: The Better Business Bureau rates The Credit People at an A-, just a little lower than most of the top credit repair services. Generally, The Credit People’s online reviews are fairly positive.

Guarantee: The Credit People’s guarantee is similar to Sky Blue’s, offering a money-back guarantee if you are not satisfied in any way, but it is within the first six months instead of the first 90 days. To learn more, check out our The Credit People review.

Price: Lexington Law is the most expensive of the cheap credit repair services at $89.95 per month. The initial fee is also the most expensive at $99.95. Like Credit Saint, Lexington Law has three tiers of service, the top two charging $109.95 per month and $129.95 per month, respectively. Both have the same $99.95 initial fee.

Features: Just like Credit Saint, Lexington Law offers three tiers of service. The first one, Concord Standard, offers dispute letters to the credit bureaus for negative items on your credit reports. Concord Premier is a step up and offers a more aggressive approach, as well as credit report monitoring and credit improvement analysis. The top tier, PremierPlus, offers identity fraud alerts and personal finance tools to help you get your finances in order.

Reputation: Lexington Law is not rated by the Better Business Bureau, and its online loans tend to be mixed between positive and negative reviews.

Guarantee: Unlike the other cheap credit repair services, Lexington Law does not offer a money-back guarantee. If you want to know more, go to our Lexington Law review.

About the Author

Jeff Hindenach

Jeff Hindenach is the co-founder of Simple. Thrifty. Living. He graduated from Bowling Green State University with a Bachelor's Degree in Journalism. He has a long history of financial journalism, with a background writing for newspapers such as the San Jose Mercury News and San Francisco Examiner, as well as writing on personal finance for The Huffington Post, New York Times, Business Insider, CNBC, Newsday and The Street. He believes in giving readers the tools they need to get out of debt.

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