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10 Best Credit Repair Companies and Services: Get Your Credit Score Up



Oftentimes, credit score can be the key metric when it comes to buying a home, car, or another large asset. If you have a lower-than-desired credit score, trying to attain these assets can become a hurdle. In this guide today, we want to show you the best credit repair companies and services across the web.

Higher interest rates don’t have to be in your future, though. That’s where credit repair companies come in. They report to all three credit agencies – Equifax, TransUnion, and Experian.

Technically, you can fix the credit report that blemishes you. Getting collections or a late payment taken off your score is possible. It can be time-consuming and downright stressful, though. The best credit repair services are reliable, efficient, and don’t completely break the bank.

Let’s take a look at the most reliable credit repair platforms. Finally, you can see which companies can help you get your credit score up.

The 10 Best Credit Repair Companies in 2021

Credit Saint: Best for Simple Credit Repair


One of the most comprehensive packages for simple credit repair comes from Credit Saint. While they don’t have all the bells and whistles that more expensive plans do, they are still majorly effective. They have a strong reputation, long-standing history, and a memorable money-back guarantee.


  • Different credit repair package options
  • Monthly service fees are affordable and pricing is transparent
  • Dispute letters are customized and tailored to you
  • Solid 90-day money-back guarantee
  • They have an A+ BBB rating – one of the few companies in the industry that does


  • It’s not yet available in all 50 states of the US
  • The initial setup fees are towards the higher end of the industry

Lexington Law: Most Experienced Credit Repair Company


Another effective credit repair service comes from Lexington Law. They understand that good credit repair doesn’t happen overnight. Instead, it takes time, legal input, and true effort. They’re able to provide all three!


  • Pricing is reasonable and affordable
  • Their legal staff ensures everything is done professionally and legally
  • The company has been offering credit repair services since 2004
  • Can contact them via phone, chat, or email for superior credit counseling
  • Three credit repair plan options: Standard, Moderate, and Aggressive


  • Mediocre rating of C with the BBB

Think of National Debt Relief as more of a debt restructuring company. Their reps are trained to help you lower your overall debt amounts. They even brag that there are no upfront fees. However, there are bound to be some hang-ups when it comes to such a perfect-sounding company. Let’s look at the overall pros and cons.


  • Solid reputation, with less than 200 complaints across BBB within the past 3 years
  • Their soft credit pull at the beginning doesn’t hurt your score
  • No upfront fees
  • Forget jargon-filled paperwork and long meetings – can sign up over the phone
  • Can help with unsecured debt, including:
    • Private student loan debt
    • Medical bills
    • Business debt
    • Certain lines of credit
    • Credit card debt
    • Personal loans


  • While there are no upfront fees, individual client fees can get costly
  • They haven’t rolled the program out to every state, so enrollment isn’t allowed in the following 9 states:
    • Connecticut
    • Georgia
    • Kansas
    • Maine
    • New Hampshire
    • Oregon
    • South Carolina
    • Vermont
    • West Virginia

myFICO: Free Forum Advice


myFICO is a great credit monitoring system, with an accurate credit scoring system. One thing about this service is if there’s an error on your credit report, it’s your responsibility to dispute it. It acts as more of a credit report service, rather than a credit repair company. Still, you can gather a lot of valuable data from a mid-tier plan with myFICO, so it’s worth checking out.


  • According to FICO, 90% of top lenders use your FICO credit score
  • Provides credit monitoring and identity theft monitoring
  • With certain plans, you get 24/7 identity restoration assistance
  • Advanced and Premier plans also provide a $1 million identity theft insurance policy
  • Automatically track your FICO Score 8, the most commonly used credit scoring system


  • Some lenders do use FICO Score 9 or the new FICO Score 10
  • Likewise, other lenders might use the VantageScore credit scoring system

A great place for no-nonsense, affordable credit repair is They offer a monthly subscription with no additional fees. That means you often pay drastically less than you might with a comparable package with its competitors. It’s not as well-known as some of the other services on our list. However, is one of the best credit repair companies.


  • They’ve been in the credit repair industry since 1997!
  • Phone reps are available 24/7
  • Email and web chat options are also available, during regular business hours
  • Affordable and low monthly rates
  • Unlimited dispute letters to creditors
  • Monthly plan is all-inclusive — zero additional fees to watch out for


  • Credit monitoring isn’t included
  • No customizable dispute letters

Based in Florida, there’s plenty to love about CuraDebt. They have no starting fees, and they’ve provided debt relief nationwide since 2000. The credit repair company even offers help with tax debt issues. This isn’t a service offered by every company. To date, CuraDebt is one of the oldest, largest associations for debt relief.


  • No upfront or startup fees
  • Excellent user reviews for the company online
  • Their initial debt settlement consultation is free
  • They work to find any creditor violations that might lead to dismissed debt, cash settlements, or even both!
  • Service can help negotiate a wide array of unsecured loans and tax debts


  • Their interface may seem clunky to some users
  • Not accredited by the BBB

We like a company that thinks outside the box. That’s exactly what CreditFixGuy aims to do. They provide a different approach to improving your credit score. While it requires possibly more effort on your part, you also get far more control.

Other programs will do the credit repair for you, but at the cost of your personal information. CreditFixGuy is an ideal alternative for those that prefer to keep their private info private.


  • A unique approach to improving credit scores
  • They brag that your satisfaction is guaranteed
  • Affordable rates
  • Provides you with tools to maintain and improve your credit score
  • Dispute letters are customized for your specific needs
  • They work with any credit score, low or high
  • Since you provide your own credit score, you don’t have to provide your social security number


  • Not yet accredited by the BBB
  • Requires a bit more effort on your part than other programs
  • Not a credit monitoring system

A small credit score service store, is more well-known as the Credit Assistance Network. With no monthly fees and no recent complaints with the BBB, they’re doing well for themselves.

They’ve been in the credit repair industry since 2004. Though their overall costs might be higher than average, there’s still a lot to love about the company.


  • In the business for almost 2 decades
  • Free initial credit evaluation lets the company determine if they can help you
  • No monthly service fees
  • Instead, they work off a per-item fixed-price cost setup
  • They offer a full range of credit repair services


  • While they’re all things credit repair, they don’t offer credit monitoring
  • Not accredited by the BBB, though they do have a C+ rating

Of course, Transunion Credit Repair had to be on this list. As one of the three leading credit repair services in the nation, they excel where others can’t. The company focuses on credit protection and credit repair services. While they may not offer as in-depth a credit repair package, they’re certainly worth looking into.


  • Provides several tools to assist in repairing your credit score
  • Helps you repair your credit score through their subscription services, as well as credit monitoring/tracking
  • They also offer identity theft insurance and free ID protection
  • Their CreditCompass tool can help you learn how to improve your credit score
  • Able to get help without paying exorbitant fees


  • Credit tracking can only take you so far

The team over at Credit Monkey has been improving users’ credit since 2014. Newer to the game than many, they make up for it with their outstanding features. They do the work for you, challenging any questionable items with all three credit bureaus. You’re in good hands when you choose Credit Monkey.


  • Five-tier package to choose between for credit repair services
  • Free credit analysis takes 10 minutes
  • Alternatively, you can also get a free consultation
  • After they handle uneasy items, they help with routine credit monitoring


  • They may be one of the pricier options, though they’re efficient and quick

Frequently Asked Questions About Credit Repair Companies & Services

Have some questions before you jump headfirst into a credit repair company? Fortunately, we have answers. Let’s take a look at some of the most frequently asked questions we get on this subject.

What is a credit repair company?

As the name might suggest, a credit repair company is a company that works to repair credit. They typically excel at debt consolidation, settlement, and routine management.

In short, the best credit repair companies will help improve your credit score. Of course, this does cost a fee. If you find yourself unable to afford a credit repair service, it’s possible to do it on your own. Some companies make it much easier and far more convenient to work with them instead of trying it solo, though.

How much does credit repair cost?

This depends on the individual. Everyone is different, so credit repair can range wildly in price. According to our research, the average is between $19 and $149 per month. There are often low upfront fees, in addition. Likewise, other fees may be added on, like an additional credit report.

Make sure you go over every fine print detail before signing up with a credit repair service. Be aware of everything you’ll be paying for. Also, be aware of everything you might have to pay for going forward. This can help you map out which company is ideal for your needs.

Do credit repair services work?

That’s an understandable question. It’s easy to be unsure when results aren’t instant. Unfortunately, credit repair simply takes time. While most things in this modern age can come instantly, credit repair requires routine time and effort.

So, yes, credit repair services work – if you give them enough time. Some companies will give you a transparent estimate. They explain it’ll take 24 to 48 months to see the most impactful results. That’s 2 to 4 years of work!

Meanwhile, other companies offer a 90-day money-back guarantee. So, how can they offer a guarantee if it takes so long?

Well, you’re likely to see some kind of result by 90 days. As credit repair takes time, you may see a boost towards the beginning. This is just your starting number, though. The important thing to keep in mind is to truly give it time for credit repair to work.

How to spot a credit repair scam

Not every company has your best interest at heart. You must be able to distinguish between an authentic credit repair company and a scam. There are regulations and rules in place by the FTC (the Federal Trade Commission).

The FTC also provides several signs to watch out for in a scam. An authentic credit repair company will never do any of the following:

  • Skip over your legal rights when they go over their services
  • Encourage false information on loan or credit applications
  • Dispute items that are correct on your credit report
  • Discourage you from contacting credit reporting agencies yourself
  • Ask for large sums of money upfront

What are the benefits of credit repair?

They might seem obvious, but there are likely some benefits you’ve never thought of. What can you do with a better credit score?

  • Get more affordable homeowner’s insurance
  • No longer have a security deposit on new utilities
  • Qualify for a stellar cell phone plan
  • Negotiate easier, because the ball is in your court now
  • Get approved easier for rentals
  • Qualify for credit cards that have a higher limit with lower APRs
  • Walk with confidence about your credit score!
  • Have a higher chance at a love life

If you’re one for love, you should know 58% of Americans are against marrying someone deep in debt. To top off the benefits, know that a higher credit score might increase your love life chances.

Wrapping Up Our Guide on the Best Credit Repair Companies & Services

As you can see, there are plenty of top-level companies to choose from. We hope this guide on the best credit repair companies helped you find one that meets your needs. Each of the services on our list has its strengths and weaknesses. From here, you can get your free consultations and see which company fits you.

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Are Sallie Mae Student Loans Federal or Private?



When you hear the name Sallie Mae, you probably think of student loans. There’s a good reason for that; Sallie Mae has a long history, during which time it has provided both federal and private student loans.

However, as of 2014, all of Sallie Mae’s student loans are private, and its federal loans have been sold to another servicer. Here’s what to know if you have a Sallie Mae loan or are considering taking one out.

What is Sallie Mae?

Sallie Mae is a company that currently offers private student loans. But it has taken a few forms over the years.

In 1972, Congress first created the Student Loan Marketing Association (SLMA) as a private, for-profit corporation. Congress gave SLMA, commonly called “Sallie Mae,” the status of a government-sponsored enterprise (GSE) to support the company in its mission to provide stability and liquidity to the student loan market as a warehouse for student loans.

However, in 2004, the structure and purpose of the company began to change. SLMA dissolved in late December of that year, and the SLM Corporation, or “Sallie Mae,” was formed in its place as a fully private-sector company without GSE status.

In 2014, the company underwent another big adjustment when Sallie Mae split to form Navient and Sallie Mae. Navient is a federal student loan servicer that manages existing student loan accounts. Meanwhile, Sallie Mae continues to offer private student loans and other financial products to consumers. If you took out a student loan with Sallie Mae prior to 2014, there’s a chance that it was a federal student loan under the now-defunct Federal Family Education Loan Program (FFELP).

At present, Sallie Mae owns 1.4 percent of student loans in the United States. In addition to private student loans, the bank also offers credit cards, personal loans and savings accounts to its customers, many of whom are college students.

What is the difference between private and federal student loans?

When you’re seeking financing to pay for college, you’ll have a big choice to make: federal versus private student loans. Both types of loans offer some benefits and drawbacks.

Federal student loans are educational loans that come from the U.S. government. Under the William D. Ford Federal Direct Loan Program, there are four types of federal student loans available to qualified borrowers.

With federal student loans, you typically do not need a co-signer or even a credit check. The loans also come with numerous benefits, such as the ability to adjust your repayment plan based on your income. You may also be able to pause payments with a forbearance or deferment and perhaps even qualify for some level of student loan forgiveness.

On the negative side, most federal student loans feature borrowing limits, so you might need to find supplemental funding or scholarships if your educational costs exceed federal loan maximums.

Private student loans are educational loans you can access from private lenders, such as banks, credit unions and online lenders. On the plus side, private student loans often feature higher loan amounts than you can access through federal funding. And if you or your co-signer has excellent credit, you may be able to secure a competitive interest rate as well.

As for drawbacks, private student loans don’t offer the valuable benefits that federal student borrowers can enjoy. You may also face higher interest rates or have a harder time qualifying for financing if you have bad credit.

Are Sallie Mae loans better than federal student loans?

In general, federal loans are the best first choice for student borrowers. Federal student loans offer numerous benefits that private loans do not. You’ll generally want to complete the Free Application for Federal Student Aid (FAFSA) and review federal funding options before applying for any type of private student loan — Sallie Mae loans included.

However, private student loans, like those offered by Sallie Mae, do have their place. In some cases, federal student aid, grants, scholarships, work-study programs and savings might not be enough to cover educational expenses. In these situations, private student loans may provide you with another way to pay for college.

If you do need to take out private student loans, Sallie Mae is a lender worth considering. It offers loans for a variety of needs, including undergrad, MBA school, medical school, dental school and law school. Its loans also feature 100 percent coverage, so you can find funding for all of your certified school expenses.

With that said, it’s always best to compare a few lenders before committing. All lenders evaluate income and credit score differently, so it’s possible that another lender could give you lower interest rates or more favorable terms.

The bottom line

Sallie Mae may be a good choice if you’re in the market for private student loans and other financial products. Just be sure to do your research upfront, as you should before you take out any form of financing. Comparing multiple offers always gives you the best chance of saving money.

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Tips to do some fall cleaning on your finances



Wealth manager, Harry Abrahamsen, has five simple ways to stay on top of the big financial picture.

PORTLAND, Maine — Keeping track of our financial stability is something we can all do, whether we have IRAs or 401ks or just a checking account. Harry J. Abrahamsen is the Founder of Abrahamsen Financial Group. He works with clients to create and grow their own wealth. Abrahamsen shares five financial tips, starting with knowing what you have. 

1. Analyze Your Finances Quarterly or Biannually

You want to make sure that your long-term strategy is congruent with your short-term strategy. If the short-term is not working out, you may need to adjust what you are doing to make sure your outcome produces the desired results you are looking to accomplish. It is just like setting sail on a voyage across the Atlantic Ocean. You know where you want to go and plot your course, but there are many factors that need to be considered to actually get you across and across safely. Your finances behave the exact same way. Check your current situation and make sure you are taking into consideration all of the various wealth-eroding factors that can take you completely off course.

With interest rates very low, now might be a good time to consider refinancing student loans or mortgages, or consolidating credit card debt. However, do so only if you need to or if you can create a positive cash flow. To ensure that you are saving the most by doing so, you must look at current payments, excluding taxes and insurance costs. This way you can do an apples-to-apples comparison.

The most important things to look for when reviewing your credit report is accuracy. Make sure the reporting agencies are reporting things actuary. If it doesn’t appear to be reporting correct and accurate information, you should consult with a reputable credit repair company to help you fix the incorrect information.

4. Savings and Retirement Accounts

The most important thing to consider when reviewing your savings and retirement accounts is to make sure the strategies match your short-term and long-term investment objectives. All too often people end up making decisions one at a time, at different times in their lives, with different people, under different circumstances. Having a sound strategy in place will allow you to view your finances with a macro-economic lens vs a micro-economic view. Stay the course and adjust accordingly from a risk and tax standpoint.

RELATED: Financial lessons learned through the pandemic

A great tip for lowering utility bills or car insurance premiums: Simply ask! There may be things you are not aware of that could save you hundreds of dollars every month. You just need to call all of the companies that you do business with to find out about cost-cutting strategies. 

RELATED: Overcome your fear of finances

To learn more about Abrahamsen Financial, click here

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How to Get a Loan Even with Bad Credit



Sana pwedeng mabura ang bad credit history as quickly and easily as paying off your utility bills, ‘no? Unfortunately, it takes time. And bago mo pa maayos ang bad credit mo, more often than not, kailangan mo na namang mag-avail ng panibagong loan. 

Good thing you can still get a loan even with bad credit, kahit na medyo limited ang options. How do you get a loan if you have bad credit? Alamin sa short guide na ito. 

For more finance tips, visit Moneymax.



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