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Best Credit Repair Companies: Top 7 Services of 2020



When buying a home or car, your credit score is a key metric that companies use to determine how much money in interest rates you’ll pay. If you have too many negative items on your credit report, it also increases the chances that a company will deny you for a loan altogether.

Although it is possible to repair your credit score by yourself, it takes a lot of time and can be a real frustrating process, especially if you don’t know what you’re doing. That’s why so many people turn to credit repair companies for help.

Credit repair services work on your behalf to remove any inaccuracies in your credit file and identify negative items from your credit that can be challenged such as late payments, charge offs, identity theft, bankruptcies, foreclosures, hard inquiries, and more.

The Credit Repair Advisors reviewed over 20 of the best credit repair companies in the industry and evaluated them on a variety of factors including company reputation, services offered, years in business, success rate, price, and guarantee.

Here are our top choices for the top credit repair services.

Top 7 Best Credit Repair Companies of 2020

#1: Credit Saint – Best Overall Company

Best Credit Repair 2

Credit Saint is our top choice for the best credit repair company. This credit repair agency has been in business since 2004 and has had an A+ rating at the Better Business Bureau for the past 10 years. Credit Saint is the most aggressive credit repair service in the industry, which is why they’re the top rated company by many independent review sites.

Credit Saint can work with you to remove a variety of harmful items from your credit report including collections, charge offs, late payments, inquiries, liens, foreclosures, bankruptcies, and more.

Here is how credit saint works:

Credit Saint will help you retrieve your credit report and then go over it with you to identify harmful items that are damaging to your credit score. They’ll also analyze your positive credit and provide helpful tips on how you can improve your score by paying certain bills, opening credit, or closing credit.

This consultation is completely free and you are under no obligation to buy anything.

Credit Saint will then contact the three credit bureaus to challenge items in your credit report that you disagree with. The credit bureaus will investigate these challenges and press your creditors to defend the harmful items that you’ve identified.

Credit Saint will provide you with an online dashboard so you can monitor the progress and stay up to speed on what’s going on.

Packages Offered

Credit Saint offers several distinct packages, depending on the level of service you need. Here is a run-down of what they offer:

Credit Polish Package – Includes 5 challenges to the 3 credit bureaus per dispute cycle, score analysis, creditor interventions, and a score tracker.

Credit Remodel Package – Includes everything above plus 10 challenges per dispute cycle, inquiry targeting, and Experian credit monitoring.

Clean Slate Package – This is the most aggressive option from Credit Saint, which includes everything above plus unlimited credit agency challenges, as well as cease and desist letters.

With a free consultation, 90 day money back guarantee, and an A+ rating at the Better Business Bureau, Credit Saint is the gold standard when it comes to credit repair.

  • A+ BBB Rating For The Past 10 Years

  • Most Aggressive Credit Repair Company

  • Free Consultation and Credit Score Analysis

  • Online Dashboard To Monitor Your Progress

  • 90-Day Money Back Guarantee

Click Here To Visit The Official Credit Saint Website

#2: Sky Blue Credit – Best Value

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Sky Blue is one of the best credit repair companies if you’re looking for a flat-rate affordable price and excellent value. Besides offering one of the lowest rates of services in the credit repair industry, Sky Blue Credit offers a 90 day money back guarantee, which is one of the longest in the industry.

After signup on their site, Sky Blue Credit will conduct a personalized analysis of your credit reports and send dispute letters to credit bureaus depending on your report’s specific problem areas. Sky Blue Credit will dispute up to 15 items within a 35 day period and will repeat this process as many times as the client desires, all of which is included in the monthly fee. Plus, services offered by Sky Blue Credit also include debt validation, debt settlement, dispute letters of goodwill, and cease and desist letters.

Unlike many other credit repair companies available today, Sky Blue Credit does not offer multiple credit repair packages featuring different levels of service. Instead, Sky Blue Credit offers a comprehensive list of useful services for a single low monthly fee, making high-quality credit repair more accessible to a wider range of clients.

For one low monthly fee of $79, Sky Blue Credit offers their full suite of services which includes pro analysis of your credit reports, 15 item disputes per 35-day cycle, debt validation, goodwill letters, and cease & desist letters.

Sky Blue Credit provides comprehensive credit repair services to clients looking for a low price and a simple approach. For this reason, Sky Blue is a great fit for anyone looking for cheap credit repair that delivers excellent value for the cost.

  • No Charge For The First 6 Days

  • One Flat-Rate Price For All Services

  • Fastest 35-Day Dispute Cycle Among All Companies

  • Discounts For Couples

  • 90 Day Money Back Guarantee

Click Here To Visit The Official Sky Blue Credit Website

#3: Lexington Law – Top Rated Credit Repair Service


Lexington Law has established itself as one of the best credit repair companies for over 30 years. Lexington Law has a team of lawyers and paralegals that analyze your credit reports to spot possible inaccuracies and negative items that can be challenged, including charge offs and late payments.

Lexington Law is a genuine law firm as opposed to a company dedicated to credit repair; this means you will have every possible standard of the law leveraged against credit companies and debt collectors in your favor. 

They will perform a detailed analysis of your credit history and pinpoint errors such as misplaced accounts, duplicate accounts, inaccurate accounts, and incorrect inquiries. Then, they will dispute these discrepancies and work with you to find the best legal action to take in order to improve your credit in a manner that lasts.

Lexington Law’s entry package is called Concord Standard and is a great fit for those attempting to rectify an isolated incident with their credit summary as it only includes challenges to the credit institution and creditor interventions.

The Concord Premier package, however, offers bureau challenges and creditor interventions as well as InquiryAssist services, in-depth score analysis, ReportWatch technology, and TransUnion alerts.

For an even more advanced and detailed approach, the PremierPlus package includes everything within the previous package as well as personalized cease and desist letters, a FICO credit score tracker, certified identity protection, and personal finance tools to maintain your improved credit moving forward. This is our recommended plan for anyone that has been a victim of identity theft.

Lexington Law’s service packages range from $89.95 to $129.95.

Lexington Law is an exceptional company for those seeking great value and personalized service, especially if you have bad credit. You can rest assured knowing that Lexington Law knows credit and debt law inside and out and can provide you with personalized, in-depth credit repair services.

  • Free Credit Report Consultation

  • #1 Rated Credit Repair App

  • Real Law Firm With Over Two Decades of Experience

  • 10 Million Items Removed Since 2017

Click Here To Visit The Official Lexington Law Website

#4: – Best Credit Repair App


With nearly 2 million successful removals of negative items from client credit reports since 2012, is a clear leader in the credit repair industry today. boasts a relentless approach when it comes to challenging incorrect information on client reports and getting fast results.

In order to clear your report of negative items and improve your credit score, performs a comprehensive 3-step process.

First, your representative will analyze your Experian, TransUnion, and Equifax reports to gain clarity regarding your credit history. Then will challenge the negative items on your report by sending letters to the primary credit bureaus. Finally, will monitor your reports and repeat the second step as many times as necessary until your report is changed. offers 3 service packages, the standard package starting at $99.95, to suit a wide variety of clients based upon budgeting and specific needs. While the Basic package is recommended for those with one or two negative items on their credit report, the Moderate package is designed for those with a few more negative items to contend with.

For those facing an overwhelming amount of negative or false items on their report or have had their identity stolen, the Aggressive package can provide’s most in-depth service. is an excellent site for clients that value on-the-go capabilities and a well-designed, easy to use app for mobile devices. Despite its app-based function, offers highly personalized service that rivals other top credit repair companies.

  • Free Personalized Credit Report Consultation

  • 1.8 Million Removals Since 2012

  • 3 Different Service Levels, Depending on Your Needs

  • Includes TransUnion Credit Monitoring

Click Here To Visit The Official Website

#5: The Credit People – Fast Credit Repair

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Since 2001, The Credit People have been providing high quality credit repair service and reliable information to clients of all kinds. Designed to service a wide client base, The Credit People provides the option of a pay-as-you-go monthly fee or six month commitment with a flat rate. The Credit People are known for their speedy service as well as tangible results, providing improved credit files for a variety of specific situations.

The Credit People will analyze your credit reports from the 3 credit bureaus and work tirelessly to remove harmful items such as late payments, bankruptcies, foreclosures, charge offs, identity fraud, and much more. You can track The Credit People’s progress at any time with their mobile app, and most clients see an estimated increase of 53-187 points on their credit score.

If you choose The Credit People’s monthly membership option, you can create your account for just $19 and then pay an enrollment fee of $79 for as long as you want to continue service. If you know or suspect that you’ll need credit repair service for at least several months, the six months membership option can save you money at a flat rate of $419 with no hidden work fees and satisfaction guaranteed.

The Credit People can provide high-quality credit repair service to anyone, but those seeking a higher credit score fast will find their speediest results with The Credit People. With unlimited disputes offered through each of their comprehensive plans, The Credit People will deliver noticeable changes in your credit report within just a few months of use.

  • Access To All 3 Credit Reports

  • Pay As You Go, Just $79 A Month

  • 24/7 Online Dashboard To Monitor Your Progress

  • Over 17 Years of Industry Experience

Click Here To Visit The Credit People Website

#6: Pyramid Credit Repair – Best Customer Service


Pyramid Credit Repair has been successfully improving credit scores for almost 10 years and has experienced a huge amount of steady growth since its inception in 2011. With a personal case manager handling each individual account, you’ll always have someone in your corner to call on through phone, email, or text with Pyramid Credit Repair.

Pyramid Credit Repair’s approach can be boiled down to three distinct steps. First, the inquiring client will work with a representative to understand all of the factors involved in credit scores and what needs to be done to improve their report. Next, the company will assign you a case manager that will design a plan of action based upon your unique credit history. Finally, this company will rigorously challenge credit companies until all negative items have been successfully removed.

Pyramid Credit Repair is one of the only credit repair companies to offer plans designed for married couples as well as single clients. At $99 per month for the Singles plan (no setup fee) and $198 for the Couples plan, this company offers extremely personalized service with 24/7 access to phone support and the ability to cancel anytime penalty-free.

Based upon high customer ratings and their 24/7 customer service offering, Pyramid Credit Repair is best for those looking for a highly personalized approach with an impressive level of customer support provided. This provider also offers thorough information regarding how your working relationship with your case manager will be structured and exactly what the process will entail.

The major benefits of working with this company includes:

  • Plans designed specifically for married couples as well as singles

  • Dedicated account managers to keep personalized progress on track

  • 100% money back guarantee

  • $99 per month with no contracts

  • Option for flat-rate price for a commitment of 6 months

Click Here To Visit The Pyramid Credit Repair Website

#7: Ovation Credit Services – Best Guarantee


Ovation Credit Services is highly regarded in the credit repair industry for its high level of customer support and exceptional cost effectiveness. This company makes a point to build connections with clients and create personalized plans for their specific needs.

Ovation Credit Services has corrected over 120,000 client credit reports with their specialized processes. After a trained credit analyst reviews your credit history free of charge, you will be assigned a personal case representative that works on your behalf to successfully dispute and remove inaccurate items on your credit report. Additionally, your case advisor will keep you updated constantly on the progress of your case.

Ovation Credit Services keeps it simple with the option of two service plans: the Essentials plan and the Essentials Plus plan.

At $79 per month, the Essentials plan includes access to your personal case advisor, disputes for every negative item on your credit report, and a host of financial management tools to help you maintain good credit moving forward.

At $109 per month, the Essentials Plus plan goes farther by including unlimited dispute challenge validation letters, unlimited goodwill letters to creditors, official Ovation letters of recommendation for future lenders, and credit monitoring authorized through TransUnion.

Because of their exceptional money-back guarantee, Ovation Credit Services is a great fit for those that are new to credit repair and are working to glean important information and assistance from a variety of sources. Additionally, clients still shopping around among credit repair companies will appreciate the high level of personalized customer service and privacy that Ovation Credit Services has to offer.

Some of the main perks featured on the Ovation Credit website include:

  • Free credit consultation offered

  • Advanced tools for online credit monitoring and identity theft prevention

  • Education sources for credit report information

  • A+ Rating From The Better Business Bureau

Click Here To Visit Website

How Do Credit Repair Companies Work?

In order to fix your credit issues and more deeply understand your credit history, good credit repair companies will analyze your credit reports from each of the 3 primary credit bureaus (Experian, TransUnion, and Equifax).

Though everyone has access to their free credit reports at any time, credit repair experts can help you to better understand the implications behind your credit file and what needs to happen for your score to improve.

Your credit repair service will perform a thorough review of your credit reports to spot errors and negative items that are causing your low credit score. Once these have been identified, the company will work to correct the problems by disputing them with the credit bureaus.

Common credit report mistakes to be corrected include inaccurate personal information, incorrect balances, and errors in data management as well as outdated statements of debt.

Why hire a professional for repairing your credit instead of contacting the credit bureaus yourself? The best credit repair companies will gather evidence and build a convincing case in your favor with their company’s reputability backing up their claims.

Additionally, credit bureaus are legally obligated to respond to credit repair company disputes within 30 days, so you’ll no longer be kept waiting indefinitely for website updates on whether or not the credit bureau has corrected the errors in your report. 

Factors to Consider Before Choosing A Credit Repair Service

Setup Fee

According to the Credit Repair Organizations Act, companies can’t charge you upfront for services that haven’t been performed yet. Therefore, you should avoid any credit repair service that requires you to pay an upfront setup fee.

However, it’s important to note that most credit improvement services charge a first work fee. A first work fee is typically collected about 7 days from the time you sign up, after some initial work has been completed for you. Make sure you understand how much a company charges for the first work fee before you sign up, as this amount can vary between credit repair companies.

BBB Rating

When it comes to legitimate credit repair companies, reputation is everything. Make sure to check out a company’s BBB rating before deciding whether or not to use their services. Although most credit repair companies have a fair to good rating from the Better Business Bureau, some companies that you see online have a terrible rating. You should avoid any credit repair company that has less than a C rating at the Better Business Bureau.

Customer Reviews

Taking a look at credit repair company reviews is one of the quickest ways to see if a company is legitimate or not. When reading credit repair reviews, look for answers to these questions:

  • How many negative items were removed from their credit reports?

  • How long did the credit repair process take? 

  • How was their customer service?

If you’re unable to locate any reviews for a credit cleaning service, that’s a good sign that you should look elsewhere.

Money Back Guarantee

One of the most important things you should consider when hiring a credit repair agency is their money back guarantee policy. Any legitimate credit repair company should have their refund policy easily visible from their website. Some of the best credit repair companies offer a 90-day money back guarantee, while others do not offer a customer satisfaction guarantee.

Company reputation

Make sure to thoroughly read customer reviews and ratings before placing your trust in a credit repair company. Not only will you gain important knowledge about whether or not the company delivers on their promises, you will better understand whether or not the company can accurately fix your specific credit issues.

Number of items disputed per month

Most credit repair agencies decide how many items on your credit report can be disputed per cycle, depending on which of their service packages you’ve chosen. Reputable credit repair companies will tell you honestly how many negative items exist on your report, and therefore how many items you need disputed per cycle, during your initial credit analysis in order for you to make an informed decision on which package is best for you. Make sure you understand the limit your package has on the number of disputed items per month.

On-going credit monitoring

When shopping for a credit repair company, it’s important to choose one that offers on-going credit monitoring. This feature will allow you to stay up-to-date on every change that occurs within your credit report, big or small, even after your service period with the company has ended.

Monthly price

Though a month-to-month payment option may seem more convenient, you can actually save money by paying a flat fee for multiple months at once. During your free consultation with your credit repair company, ask about the differences in package pricing and whether your credit repair needs warrant a more long-term solution or a pay-as-you-go plan.

Free consultation

Free credit score consultations benefit everyone, even those with good credit. A free consultation can provide important insight regarding where you can improve your credit score as well as identify any items that are dragging down your score, including tax liens and late payments. Plus, since these consultations are complementary and low-pressure, you can easily gather multiple opinions from multiple credit help companies commitment-free.

Alternatives to Hiring A Credit Repair Specialist

Credit repair software – Priced between $400 and $600, credit repair software can provide you with useful tools to repair your credit on your own, including letter templates and contact information for the 3 major credit bureaus.

Credit counseling – Credit counselors can review your credit reports for free as part of the credit repair process and help you devise a plan to remove negative or incorrect items. However, this route includes much less one-on-one guidance than a paid credit repair company.

Debt consolidation – Debt consolidation refers to consolidating high-interest debts into lower-interest loans. Though this can lead to a better credit score temporarily, closing too many debt accounts at once can damage your score later.

Are Credit Repair Agencies Worth It?

The best credit repair companies are definitely worth the cost. Although you can repair your credit on your own, is it really worth the hassle? You’ll have to comb through credit reports, write dispute letters, follow up with creditors, and more. This can be a very frustrating and time-consuming process, which is why hiring a credit repair specialist makes a lot of sense.

If you hire a reputable company, you’ll have a team of credit pros on your side that can handle the whole process for you. They have dispute letter templates that have been proven to work, they know who to contact, and they know exactly what to say to the credit bureaus to give you the best possible outcome.

The answer to whether or not credit cleaners are worth it is dependent upon how much you value your time. While anyone can handle the credit repair process on their own, a professional credit repair specialist will save you time, stress, and frustration.

How Long Does It Take To Repair Your Credit?

The average time it takes to repair your credit score is three to six months. This largely depends on if you’re doing it yourself or hiring a credit repair company to manage the process for you.

If your credit report only has a handful of mistakes that need to get fixed, it’s possible that credit repair can be done in as little as 30 days. But if you have a large number of items that need to be disputed or have been a victim of identity theft, the process will most likely take three to six months depending on the severity.

The reason why credit repair fixers can take up to 6 months is because by law, credit bureaus have up to 30 days to respond to each dispute. Additionally, some credit repair companies have a cap on how many disputes they will send per month on your behalf, while others offer unlimited dispute letters. So if you have 20 items that need to be disputed, but your credit fixing company only offers 5 disputes per month on your service plan, it will take 4 months to challenge all the items that are hurting your credit score.

How Much Do Credit Repair Companies Cost?

The typical cost to hire a credit repair company varies between $70 and $130 per month. Every credit repair company has their own pricing model and it’s important to understand their cost structure before hiring them.

While most of the best credit repair companies have a flat-rate pricing structure, some offer a pay-for-performance model that charges you for each item that is deleted from your credit report.

The pay-for-performance model can end up being more expensive, as these companies will charge you for each credit bureau they are able to remove the harmful item from. So if they charge you $50 for 1 item removed, you’ll likely have to pay $150 if they remove it from all 3 credit bureaus. That’s why we always recommend sticking with a flat-rate, transparent pricing model.

It’s also important to note that some credit repair companies have multiple service levels, depending on your unique needs. The higher-priced monthly service plans often have additional perks such as credit monitoring, cease and desist letters, and more disputes per month.

How To Tell If Your Credit Repair Company is Legitimate

While there are plenty of legitimate credit repair companies to choose from, there are plenty of scam artists you have to watch out for as well. According to the Consumer Financial Protection Bureau, here are some common signs of a credit repair scam:

Pressuring you to pay an upfront setup fee

By law, credit repair companies can’t request or receive payment until they’ve completed the services they have promised. Some companies circumvent this rule by using a first work fee, which is usually billed about a week after the project starts. The first work fee covers the work they’ve done in the first 7 days, which usually includes dispute letters and a full credit report analysis.

Guarantees to remove negative information from your credit report

Not even the best credit repair company can guarantee the removal of accurate information from your credit report. Instead, they work to challenge inaccurate, misleading, biased, incomplete, or unverifiable negative items that are hurting your credit score.

Fails to put your credit repair agreement in writing

Before the process to improve your credit score starts, you should receive a written contract from the credit repair company stating the exact services you’ll receive, how much those services cost, and how to cancel.

Avoids explaining your rights to you

If the company doesn’t clearly explain your rights and what you can do yourself for free, this is a warning sign. Disputing errors on your credit report is a legal right under the Fair Credit Reporting Act. As such, it is not required to hire a company in order to clean up your credit score. Any company that claims that you have to hire a company in order to fix your credit is dishonest.

Final Thoughts – Which Credit Repair Company Is Right For Me?

When it comes to credit repair companies, you get what you pay for. Don’t just blindly pick the company with the cheapest services or the one with the best website. Take the time to understand each company’s credit repair options, so you can choose a plan that fits your financial situation. There is no one-size-fits-all solution when it comes to repairing your credit.

If you’re looking for the best credit repair company, you can’t go wrong with Credit Saint. Their credit pros are the most aggressive when it comes to challenging items on your credit report and their A+ BBB rating speaks volumes to their customer satisfaction rates. They also offer an industry-leading 90 day money back guarantee if they’re unable to get any deletions for you within the first 90 days.

If you’re on a budget and looking for the best value, we recommend Sky Blue Credit. Rather than offering multiple packages, they offer all of their services for one low monthly fee. Sky Blue Credit is one of the top ten credit repair companies in the United States and their transparent, affordable pricing is something that separates them from other services.

If you’re looking for a highly reputable credit repair service, Lexington Law is your best bet. They’ve been in business since 2004 and have a large team of paralegals and lawyers that are experts in credit repair. Their service levels are a little more expensive than Sky Blue and Credit Saint, but the results are worth it if you’re willing to spend a little more.

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Credit Repair Companies

La Reyna Del Credito Helping People Defeat the Financial System by Improving Their Credit Scores



La Reyna Del Credito Helping People Defeat the Financial System by Improving Their Credit Scores

Financial freedom is somewhat an alien word where Ivonne Arvizu comes from, and she made a solemn promise to make it happen for herself and as many others as possible. With a work rate that has cut across different clients with varying professions such as medicine, entertainment, business, legal, real estate, financial professionals, police officers, and thousands of other people who needed credit report at one time or the other, Ivonne Arvizu has created a strong impression about La Reyna Del Credito. Ivonne acquired her credit repair knowledge a long time before she established her credit repair company, and she started helping people fix their credit while she worked at a bank. The bank was against her offering such services due to a conflict of interest. Ivonne, not willing to let herself get tied down in some banking bureaucracy she didn’t agree with, resigned from the bank and made her company into a full-fledged, official credit repair business.

Ivonne Arvizu has always been about excellence and flying the flag high all her life. Despite coming from a humble background and a poor family that never fulfilled the American dream, Ivonne set out to make a difference. She became a homeowner at the age of 20 and has dedicated more than 18 years of her life helping the Latino community elevate its financial status. Ivonne has been featured in Spanish programs on television networks like Telemundo, Univision, Radio Nueva Vida, Radio Inspiracion, and other broadcast services educating the public about financial freedom. Through La Reyna Del Credito, Ivonne is changing lives and shaking things up in the financial world.

La Reyna Del Credito was established on the premise of “Life happens, and anyone can get into a bad credit situation.” In Ivonne’s words, “Nobody ever hopes to have bad credit. It just happens, and it does not discriminate. There are so many variables that cause people to have bad credit and fortunately for them, ‘La Reyna del Credito’ exists.” Beyond fixing bad credit scores, La Reyna Del Credito helps people get their mortgage credit within days so they can buy their dream homes without stress. The company established a FICO program that ensures this guarantee, and it has boosted La Reyna Del Credito’s credibility in the Latino community.

La Reyna Del Credito has proven to be a game-changer for the Latino community and has pushed its members to focus on becoming more financially stable in their retirement age.  With more than 1,087 real estate deals closed in 2018 alone and a money-back guarantee on all credit fixes if the company does not deliver the score, La Reyna Del Credito has given people more confidence in its services as it continues to deliver excellent results. The bulk of the company’s clients are Spanish-speaking Latinos who migrated to the United States without knowledge of how credit scores work, and they need guidance. Ivonne Arvizu has built something outstanding, and she’s willing to see it through till she has fixed the finances of hundreds of thousands of people.

Learn more about La Reyna Del Credito on the company’s official website.

Media Contact
Company Name: La Reyna Del Credito
Contact Person: Ivonne Arvizu
Email: Send Email
Phone: (213) 434-9873
Country: United States

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Credit Repair Companies

Improve Your Credit Score with a Credit Repair Company



Securing a loan for your home or business investment can turn out to be quite overwhelming for individuals and businesses out there. People with poor credit scores often struggle with their loan applications, as it gets a bit challenging to have your loan application approved at a low interest. In fact, a credit score happens to be the first thing a bank or a financial institution is likely to notice when reviewing your loan application.

Sometimes, simple things such as late payments and irregular bill payments can lower your credit score significantly. Even if you manage to find a private lender who’s willing to approve your loan application, there is a good chance they will charge you a high interest for the loan.

Why Do I Need to Hire a Credit Repair Company?

It isn’t always your utility bills or debt payments that lower your credit rankings, but sometimes, you might end up with a bad credit score because of a small error on your credit report. Regardless of the complexity of the issue you are facing, you can’t deal with the problem on your own. It is important that you seek help from a credit repair company to look into the matter and fix the issue quickly. As the name suggests, the credit repair company is in charge of fixing the errors in your credit report and removing the items that might be lowering your credit score. This includes charge-offs, late payments, liens, debt collections, and so on.

With a large number of credit repairing companies claiming to offer high-quality and cost-effective services, the decision of choosing the most reliable company could be a little overwhelming. Each company offers a set of unique services that are designed to improve your credit score in different ways. You might have to apply for a loan to finance emergency health requirements, your dream home, a startup, business capital, child’s education, and other requirements. Here are a few other reasons why you must hire a credit repair company:

·      Fix Inaccuracies on Your Credit Reports

Research shows that more than half the population of the United States report inaccuracies and unnecessary errors in their credit reports every year. These errors occur due to the miscalculation is wrong information. As mentioned earlier, it isn’t always your debts and late payments that affect your credit rankings.

Sometimes, small errors in the report could have a profound impact on your credit score. It is, therefore, important for businesses and individuals to get their credit reports reviewed once in a while. Only a credit repair company has the expertise and skills it requires for reviewing the credit reports thoroughly and fixing the errors. The sooner you get these errors fixed, the faster you will be able to apply for a home loan.

·      Job Opportunities

Many reputable companies ask applicants to attach a copy of their credit reports with the job application so that they know their staff is trustworthy. A good credit score increases your chances of getting hired by a reputable company.

·      Insurance Policies

You can’t secure the best and low-priced insurance policy with a bad credit score. It’s important to work on your credit score to get the best deals on insurance policies. That’s because a majority of insurance providers offer insurance plans based on your credit reports. A reliable credit repair company will help fix your credit score, saving you a significant amount of money on an insurance policy.

Best Credit Repair Companies

There is no denying that good credit repair companies can help improve your credit reports by erasing the negative items and fixing the inaccuracies. Here are a few popular credit repair companies you can count on for premium services.

·      Credit Saint: With more than 10 years of experience in this industry, Credit Saint tops our list of the best credit repair company. The Better Business Bureau has rated it A+ for the variety of services it offers. The company has undoubtedly improved the credit rating of a large number of customers successfully over the past few years. It reviews your FICO credit score, evaluates the negative items, and fixes the damaged credit score.

·      Sky Blue Credit: If the price and quality of the services are your main concerns, Sky Blue Credit is your best bet. The company has kept a fixed price, which is $79 a month, for an extensive range of credit repair services.

·      The Credit Pros: With over 200,000 customers based across different parts of the world, The Credit Pros is a 12-year old company that has received an A+ rating from the Better Business Bureau. You can enroll in its monthly plan that costs a flat fee of $49 or choose the prosperity package – whatever fits your preference and budget.

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7 Best Credit Repair Companies in 2021: Top-Rated Credit



San Diego, CA, April 17, 2021 (GLOBE NEWSWIRE) — Credit repair companies work on behalf of their clients to improve their credit report by removing negative items, such as debt collections, late payments, and bankruptcies. There are significant differences between credit repair companies in terms of the methods they use for payment structures and to repair credit scores.

To determine the best credit repair services to use, we compared factors such as reliability, effectiveness, and value for money. Based on these specifications, and the pros and cons of each company, here are the best credit repair companies in 2021.

1. Credit Saint – Best Credit Repair Company Overall

Credit Saint is the overall best credit repair service because it has a long and solid record of helping thousands of people to improve their credit scores. The company’s success is evident as the Better Business Bureau has given this service an A+ rating for more than 10 years.

Customers receive a free consultation from Credit Saint to talk about their credit score and identify any negative items. It is possible to use this service free without any obligation.

If a user chooses to proceed based on the initial consultation, Credit Saint then contacts the credit bureaus on the individual’s behalf. The aim of this communication is to remove any inaccurate information from the customer’s credit report.

Some of the negative items this company can potentially remove from credit reports include:

  • Late payments
  • Judgments
  • Collections
  • Repossessions
  • Bankruptcies
  • Credit inquiries
  • Liens

Credit Saint recognizes that their customers have differing needs, which is why they offer three packages. The first option is the Credit Polish package that includes a free score analysis, challenges of five negative items per cycle to three major credit bureaus, and a credit score tracker too.

The next level package is the Credit Remodel package. This option features everything from the Credit Polish model above. However, users receive 10 negative item disputes per cycle and ongoing Experian credit monitoring as well.

Credit Saint’s most aggressive option is the Clean Slate package. Along with everything in the other two packages, this one includes unlimited challenges on inaccurate items, and the company will also send out cease and desist letters on the customer’s behalf.

Other points in Credit Saint’s favor include good value for money and that they offer a 90-day money-back guarantee. Overall, the positive features of Credit Saint are:

  • More than 10 years of A+ Better Business Bureau rating
  • Three different packages
  • Free, no-obligation consultation with a credit repair expert
  • Real-time progress monitoring via an online dashboard
  • 90-day money-back guarantee

2. Lexington Law – Most Experienced Credit Repair Company

One of the top credit repair services in terms of experience is Lexington Law, as it was founded in 1991. Now, it is the United State’s biggest credit restoration company. In 2017 alone, Lexington Law had more than 100,000 negative items removed from their customers’ credit reports.

This company has a team of lawyers and paralegals that protect your credit using specific laws. Some of the issues that can impact a person’s credit score negatively, with which they help their customers, include:

  • Divorce
  • Medical bills
  • Identity theft
  • Student debt
  • Military service

Lexington Law has three packages available to accommodate the different needs of users. The most basic of these is the Concord standard service, and this includes challenging negative items with the customer’s creditors and the three major credit bureaus.

The next level is the Concord premium package. In addition to the services from the standard model, the person also receives TransUnion alerts and a score analysis. They also benefit from having hard inquiries removed.

Finally, the PremierPlus package is the most thorough credit repair service Lexington Law offers. In addition to the services of the other packages, this package includes personal finance tools, identity theft protection, and the FICO score tracker.

Although Lexington Law is a little more expensive than most other credit repair companies, they are one of the most experienced companies, and the quality of their work is outstanding.

The main benefits of using their services are:

  • Many independent review sites rank Lexington Law as the best option
  • Over 56 million removals since 2004
  • Help offered with charge offs, late payments, foreclosures, and collections
  • More than 500,000 active clients

3. – Best Credit Repair App has some of the best reviews from former customers of all the credit repair services. Founded in 2012, this company has removed more than 1.8 million harmful items from its customers’ credit reports. This credit repair company’s app is available for iPhones and Android devices.

After signing up with, customers will have their credit report retrieved and analyzed to identify misleading, inaccurate, or invalid items. The team then creates a customized credit repair plan to help rebuild positive credit, and they employ various methods to achieve this. offers customers three different packages, so people can choose the package that best meets their needs. Direct is their entry-level package and the cheapest option. It is ideally suited to people who have only a handful of negative items. The package includes 15 negative item challenges and three creditor disputes each month.

Those who opt for the Standard package also have cease and desist letters sent on their behalf, 24/7 credit monitoring, hard inquiry challenges, and quarterly credit score analysis. The cost of this service is in-line with the average for credit repair services.

The most comprehensive credit repair package offers is their Advanced package. Along with the services of the other packages, this package offers a monthly FICO score, identity theft insurance and protection, an array of personal finance tools, and up to 19 negative item challenges each month.

Some of the best features of include:

  • Effective and aggressive repair programs
  • Free credit analysis
  • Discounts if you sign up family and friends
  • 15+ negative item challenges monthly
  • Three credit repair packages to choose between

4. Sky Blue Credit – Good Value for the Money

For those who need a service offering good value for money, Sky Blue Credit is one of the best options. They have transparent pricing, free services for the first six days, and there is a 90-day money-back guarantee. Therefore, Sky Blue Credit is a great choice for people who have a limited budget.

Unlike other credit repair services that offer different packages, Sky Blue Credit offers all its services for a monthly flat rate. The services include disputing five items per each of the three major credit bureaus every 35 days.

After signing up to Sky Blue Credit, customers receive an analysis of their credit history, and any harmful errors are highlighted. The experts from this company then send dispute letters on their clients’ behalf and check the statute of limitation for any debts.

Some of the main features of Sky Blue Credit include:

  • One low monthly rate for all services
  • No fee for the first six days
  • Customers can cancel at any time
  • 90-day money-back guarantee

5. The Credit Pros – Good for Speedy Credit Repair

The Credit Pros have been in business for more than 12 years, and they have helped more than 200,000 people across the United States to improve their credit rating. It is consistently ranked as one of the best credit repair services by independent review sites, and it has maintained an A+ rating from the Better Business Bureau.

There are three packages available from The Credit Pros to meet differing repair needs. The entry-level option is the Money Management package, which includes identity and dark web monitoring and TransUnion monitoring. It also includes the CashRules finance manager, which allows customers to integrate banks, track transactions, get alerts, and set budgets.

The mid-level option is the Prosperity package. In addition to everything from the entry-level package, users get a three-bureau credit repair, which includes:

  • Debt validation letters
  • Goodwill letters to debt agencies and creditors
  • Cease and desist letters
  • Unlimited dispute letters
  • A one-on-one action plan from a professional

The Credit Pros’ most thorough and expensive option is the Success package. Along with all the services from the other two packages, customers also have a guaranteed line of credit of $1,500. The credit repair service also reports repayments to TransUnion and Experian, which allows the customer to build a positive credit history.

When deciding whether The Credit Pros is the right company for them, potential users should consider the following positive features:

  • Free consultation with a specialist
  • Better Business Bureau rating of A+
  • AI-driven credit repair technology
  • Quick credit repair for faster results
  • Various packages available
  • Option for unlimited dispute letters available
  • Credit monitoring included with all plans

6. Ovation Credit – Best Customer Service

Ovation Credit Services has helped more than 12,000 people to improve their credit score, and the company has a reputation for its outstanding customer service. They take pride in building relationships with users and providing them with customized credit repair solutions.

This credit repair company is one of the most cost-effective options as the monthly fees are affordable. At the initial appointment, each customer receives a free consultation. During the meeting, the advisor takes an in-depth look at the client’s credit history to determine the best solutions for each issue.

Moving forward, an advisor from Ovation Credit Services files disputes on behalf of their client. The process may involve the advisor contesting late payments with creditors and writing goodwill letters. Ovation Credit Services also ensures clients have an accurate credit score by working with credit reporting bureaus.

The main reasons to consider using this company’s service are:

  • A+ Better Business Bureau rating
  • Excellent customer service
  • Free consultation
  • Customized credit repair solutions
  • A cost-effective option

7. The Credit People – Best Customer Satisfaction Guarantee

The Credit People has been in operation for more than 15 years, so they are now one of the leading credit repair companies. It offers customers the option of either a six-month, flat-rate service plan or a monthly pay-as-you-go option.

Since 2004, The Credit People has removed approximately 1.5 million negative items from their customers’ credit reports, and statistics show that the average customer sees a 32 percent improvement in their credit score.

For a small fee, customers have the option to try out the services for a week before deciding if they want to continue using it. The Credit People also offers a 60-day money-back guarantee.

However, excellent customer service is what makes The Credit People stand apart from the competition. Some of the advantages of joining The Credit People include:

  • Toll-free customer support
  • Unlimited disputes each month
  • FCRA certification
  • Account access 24/7
  • Debt and inquiry validation

How Do Credit Repair Services Work?

The first step that most credit repair services take is downloading the customer’s credit report from the three major credit bureaus. Professionals then review the credit reports to identify errors. Common examples of mistakes include inaccurate personal information, incorrect balances, and data management errors.

It is not a simple process as the professionals must gather evidence to prove the information in the credit report is false. Doing so can take anything from a few days to several weeks.

Once the professionals have gathered the information they need, they send it to credit monitoring companies, and there is a 30-day window for them to respond. The credit bureaus will contact the credit repair service to say whether they have corrected the error or not and explain why.

Essential Factors To Consider When Choosing a Credit Repair Company

Before someone starts using a credit repair company, it is important they take the time to compare the options. Some of the factors to consider are outlined below.

Setup Fees

Companies should not ask for large upfront payments, as this is a violation of the Credit Repair Organizations Act. In most cases, legitimate credit repair companies do not have setup fees.

Free Consultations

Free consultations are beneficial, even for those who have good credit. If a free consultation is available from the service, it will help people to identify areas in which they can make improvements and what they are already doing well. It is an opportunity for people to learn good financial habits that will prevent them from needing credit repair services in the future.

Monthly Fees or Flat Rate Payments

Credit repair companies’ two payment types are usually either monthly fees or flat-rate payments. A customer must decide which is their preferred option when choosing the best service to meet their needs.

Credit Repair Reviews

As with any service, reviews from former customers can help people to decide if a company is reliable, effective, trustworthy, and good value for money. The user should not simply rely on the reviews posted on the credit repair services’ websites but check elsewhere online to get an accurate overview of others’ experiences.

Another tip is to check with the Better Business Bureau, as this service helps consumers to find reputable businesses with positive reviews.

Customer Service

Although most credit repair companies offer similar services, one way that the best companies stand out from the rest is the customer services they offer. The top companies offer customer service from friendly and knowledgeable professionals who can guide people through the best credit repair options.

They will monitor their clients’ credit scores continuously so that the client achieves results quickly. Agents will notify clients about both improvements and challenges or disputes on their credit scores.

How Long Does Credit Repair Take?

Customers should not expect to see results immediately, as it can take between three and six months before progress is evident. However, if someone repairs their credit score annually or they only have minimal issues, then it may not take as long.

On the other hand, those who have lots of credit issues or who have never looked at their credit report may find it can take more than six months before they see improvements.

Is It Worth Using Credit Repair Companies?

One point to note is that a person can do everything that a credit repair company does and achieve the same results, which may cause people to question whether using a credit repair service is worth the money.

There are two benefits to using professional services rather than a person attempting to repair their own credit score. The first benefit is that it saves a person time, as the process is a heavy task. Second, using a professional service streamlines the process as they have experience of the different methods and they know how to get the best results.

In addition to saving time and achieving positive results faster, it is also worth noting that using a credit repair company can save people money in the long-term. If a credit score improves by a few points, it can save on mortgage repayments and loan or credit card interest rates.

What Does It Cost To Use Credit Repair Services?

The cost of using credit repair services can vary significantly, depending on the services the company offers. Although monthly fees typically range between $79 and $129, the industry average is approximately $99 a month. There is also the option to buy credit repair software, such as TurboScore Home, that reduces the time of navigating credit reports and bureaus.

Are Results Guaranteed When Using Credit Repair Services?

It is almost impossible for a credit repair company to guarantee results as credit reports are complex documents that change every time someone makes or misses a payment. Therefore, customers should be wary of services that make outlandish guarantees.

Avoiding Credit Repair Service Scams

Unfortunately, there are some scam credit repair companies out there. However, people can take steps to make sure they avoid such companies.

The first thing that people need to know is the Credit Repair Organization Act in 1968 prevents companies from making misleading statements about the services or products they provide. Furthermore, the services must provide written contracts that give consumers an opportunity to cancel the arrangement.

Legally, credit repair companies cannot collect payments until their services are complete. However, many get around this rule by having a setup fee followed by monthly payments to help spread the cost.

Apply caution if a credit company gives misleading information or they do not give straight answers to questions. For example, consumers should avoid companies that discourage customers from contacting credit monitoring bureaus. People should also avoid companies that create new identities or credit reports.

What Methods Do Credit Repair Companies Use To Get Items Removed?

Each company employs different methods to get items removed from a customer’s credit report. The following is an overview of some of the most common methods.

Goodwill letters: Credit repair services may write goodwill letters to creditors to encourage them to remove negative items from credit reports. Although it is not always successful, it works surprisingly often.

Debt validation letters: These letters request that creditors or debt collection agencies provide proof that a debt is valid. If they are not able to provide proof, then they must remove it from credit scores.

Negative item challenges: Consumers have the right to dispute questionable items on credit reports. Credit bureaus then have 30 days to respond. While some companies allow unlimited disputes in a billing cycle, others specify a maximum number of disputes.

Fixing inaccurate information: A method that is particularly useful for victims of identity theft is fixing wrong data. In most cases, credit repair companies assign a case advisor to a customer, and they will go through the customer’s credit report with them to look for inaccuracies.

Cease and desist letters: The Fair Debt Collection Practices Act states that if a customer requests a debt collection agency stops contacting them, then the debt collection agency must abide. Many credit repair companies offer a service of sending out cease and desist letters to creditors and debt collection agencies on the customer’s behalf.

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