Best Credit Repair Companies

Improve Your Credit With Ovation Credit Services

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A credit repair company will act on your behalf by working with the three credit agencies: Experian, TransUnion, and Equifax. This is important because your credit score can be the key metric when it comes to buying a car or a home. If you have a lower credit score, these purchases can be more expensive and difficult to achieve and you may have to pay higher interest rates. 

The best credit repair companies are reliable, effective, and have good customer service. You may have negative marks on your credit reports from late payments, maxing out credit cards, or debt in collections, all of which may hurt your creditworthiness. If you don’t have the time or desire to fix these credit report blemishes, you can pay someone else to do the work for you.

The 6 Best Credit Repair Companies of 2021

Best Overall : Ovation Credit Services

Investopedia's Rating
4.1

Ovation Credit Services

 Ovation Credit Services

  • Services: 2
  • Starting Fee: $89
  • Max Repaired Issues: Unlimited
Why We Chose It

Ovation Credit Services stands out in a number of ways. The company earns our top spot with a long history of credit repair, a winning Better Business Bureau rating, and top-notch customer service. Ovation Credit Services also builds customer trust with its free consultation and no-risk refund policy.  

Pros & Cons
Pros
  • Free consultation

  • No-risk refund policy

  • Discounts for couples, seniors, and military

Cons
  • High monthly fees

  • First work fee (an enrollment fee)

  • Credit monitoring for Essentials Plus plan only

Overview

Ovation Credit Services, a LendingTree company, has been in business since 2004. Founded by attorneys, the Jacksonville, Florida-based company offers proven credit repair services and has helped fix more than 120,000 credit profiles, with an average of 19 improvements per customer, according to the company’s website.

Ovation Credit Services offers two credit repair service options:

Essentials Plus: $89 first work fee, $109 per month

  • Unlimited challenge validation letters
  • Unlimited creditor goodwill letters
  • Ovation recommendation letter
  • Credit monitoring 

Essentials Plan: $89 first work fee, $79 per month

  • Options for personalized dispute
  • Personal case advisor
  • Financial management tools

Both plans include a free consultation and a no-risk refund policy. You will also have one-on-one service through a Personal Case Advisor. The company offers services in all states except Idaho, Minnesota, Ohio, and South Carolina, according to a company representative. Ovation services and pricing for customers in Mississippi and Oregon will vary from the standard prices, so you will need to contact Ovation to find out what is available.

Ovation Credit Services is Better Business Bureau accredited with an A+ rating with 73 reviews and 57 complaints. The company has had no complaints with the Consumer Financial Protection Bureau. 

Read the full Ovation Credit Services review

Runner-Up, Best Overall : Sky Blue Credit

Investopedia's Rating
3.9

Sky Blue Credit

 Sky Blue Credit

  • Services: 1
  • Starting Fee: $79
  • Max Repaired Issues: 15 every 35 days
Why We Chose It

Sky Blue Credit stands out thanks to the company’s simple, easy-to-understand service offering. They offer transparency on exactly what they do—and how long customers spend with them. We especially love the 90-day money-back guarantee and ability to pause the service any time without paying a fee.

Pros & Cons
Pros
  • 90-day money-back guarantee

  • Fixed, transparent pricing

  • Discounts for couples

Cons
  • Setup fee

  • Not accredited with Better Business Bureau

Overview

Sky Blue Credit has been in the credit repair business since 1989. The Boca Raton, Florida-based company disputes 15 items—or five items per credit bureau—every 35 days, according to the company’s website. 

Sky Blue Credit offers one simple credit repair service option:

Sky Blue Credit: $79 setup fee, $79 per month

  • Credit reports and monitoring
  • Faster & custom disputes
  • Debt validation
  • Goodwill letters
  • Cease and desist letters
  • Score Assistance
  • Credit Rebuilding
  • And more

Sky Blue Credit offers a 90-day, money-back guarantee and the process normally takes several months. You may pause the service or change the billing date any time—without paying an extra fee. These services are available in all states except for Colorado and South Carolina, according to a representative. 

Sky Blue Credit isn’t currently Better Business Bureau accredited, although they have an A+ rating. There have been two Sky Blue Credit complaints with the Consumer Financial Protection Bureau.

Read the full Sky Blue Credit review

Best Simple Credit Repair Options : Credit Saint

Investopedia's Rating
4.2

Credit Saint

 Credit Saint

  • Services: 3
  • Starting Fee: $99-$195
  • Max Repaired Issues: Varies
Why We Chose It

Credit Saint offers the most comprehensive package for simple credit repair needs for those who may not require all the bells and whistles of the more expensive plans. The company also has a long history, a strong reputation, and an excellent money-back guarantee. 

Pros & Cons
Pros
  • 90-day, money-back guarantee

  • Three credit repair packages

  • Transparent pricing

Cons
  • Not available in all states

  • First work fee

Overview

Credit Saint, an Oakland, New Jersey-based company, has been in business since 2004. The company’s website features rankings from various personal finance websites, and their services include a personal advisory team, an online account, and ongoing credit education. 

Credit Saint's three simple levels of credit repair service provide customers with a clear-cut path to becoming more creditworthy:

Credit Polish: $99 first work fee, $79.99 per month

  • Challenges to three bureaus
  • Score analysis
  • Score tracker
  • Creditor interventions
  • 5 items challenged

Credit Remodel: $99 first work fee, $99.99 per month

  • Everything from Credit Polish
  • Inquiry targeting
  • Experian monitoring
  • 10 items challenged

Clean Slate: $195 first work fee, $119.99 per month

  • Everything from Credit Remodel
  • Unlimited items challenged

Credit Saint offers a free consultation by phone, and then you'll have online access and phone support throughout the process. You'll also rest easy with the company’s 90-day money-back guarantee. There is one thing to be aware of, though: Credit Saint doesn’t offer services in Georgia and South Carolina.

Credit Saint is Better Business Bureau accredited with an A rating. Over the past year, there haven’t been any customer complaints with the Consumer Financial Protection Bureau.

Read the full Credit Saint review

Best for Package Options : The Credit Pros

Investopedia's Rating
4.3

The Credit Pros

 The Credit Pros

  • Services: 3
  • Starting Fee: No setup fees
  • Max Repaired Issues: Unlimited
Why We Chose It

The Credit Pros offers the most comprehensive package options, including other services to improve your finances. You may have access to identify monitoring, bill reminders, budgeting software, medication discounts, and more.

Pros & Cons
Pros
  • 90-day money-back guarantee

  • Certified FICO professionals

  • No setup fee

Cons
  • Not available in four states

Overview

The Credit Pros is an AI-driven personal credit improvement company staffed with Certified FICO professionals. The Newark, New Jersey-based company has been around since 2009. 

  • The Credit Pros offers three service packages, two of which include credit repair:

Money Management: $69 per month

  • TransUnion credit score and monitoring
  • IDCover access
  • Cash Rules bill reminder and budgeting

Prosperity Package: $119 per month

  • TransUnion credit score and monitoring
  • IDCover access
  • Cash Rules bill reminder and budgeting
  • The Credit Pros debt and legal services including credit repair
  • SlashRx prescription discounts

Success Package: $149 per month

  • TransUnion credit score and monitoring
  • IDCover access
  • Cash Rules bill reminder and budgeting
  • The Credit Pros debt and legal services including credit repair
  • SlashRx prescription discounts
  • Hutton Chase services

There are no additional setup fees, according to a representative. The credit repair services include:

  • One-on-one consultations with a Certified FICO Professional
  • Unlimited dispute letters
  • Debt validation letters
  • Goodwill letters to creditors
  • Cease and desist letters to collections agencies

There is also online portal access for all customers to manage your account and access the services that your package include.

The Credit Pros offers a free consultation by phone. According to a representative, the company has a 90-day money-back guarantee if they can’t remove any negative items from your credit reports. The representative also confirmed that the company provides services in all states except KS, ME, MN, and OR.

The Credit Pros is Better Business Bureau accredited with an A- rating. There haven’t been any complaints with the Consumer Financial Protection Bureau over the past year.

Read the full The Credit Pros review

Best Guarantee : The Credit People

Investopedia's Rating
4.2

The Credit People

The Credit People 

  • Services: 2
  • Starting Fee: $19
  • Max Repaired Issues: Unlimited
Why We Chose It

The Credit People’s risk-free six-month guarantee stands out among all the companies we reviewed.

Pros & Cons
Pros
  • Satisfaction guarantee

  • Transparent pricing

  • FCRA Certified Credit Consultants

Cons
  • Not accredited with the Better Business Bureau

  • Setup fee for monthly plan

Overview

The Credit People has been helping Americans repair their credit since 2001, employing a team of FCRA Certified Credit Consultants. The Cottonwood Heights, Utah-based company has helped more than 100,000 people with their credit, according to the company’s website.

The Credit People offers two credit repair options:

  • Monthly membership: $19 setup fee, $79 per month 
  • Flat rate membership: $419 for six months

Both options include the following:

  • Access to credit reports and scores
  • Online account access
  • Unlimited disputes
  • Creditor communication
  • Debt and inquiry validation
  • Assistance beyond credit reports

Both plans include the company’s risk-free guarantee. You can cancel at any time without being charged for the month. Flat-rate members have a six-month satisfaction guarantee. The Credit People offers service in every state except for Oregon, according to a representative.

The Credit People is not accredited by the Better Business Bureau and has a C+ rating. It has nine complaints and four reviews with the BBB. There are numerous complaints in the Consumer Financial Protection Bureau’s consumer complaint database for The Credit People. 

Read the full The Credit People review

Customer Education : AMB Credit Consultants

Investopedia's Rating
3.4

AMB Credit Consultants

 AMB Credit Consultants

  • Services: 2
  • Starting Fee: $149
  • Max Repaired Issues: Unlimited
Why We Chose It

AMB Credit Consultants focuses on empowering customers through better financial education through its financial literacy courses. According to the company’s website, they hope to “influence good credit decisions that last a lifetime.” 

Pros & Cons
Pros
  • Customer education

  • Six-month money-back guarantee

Cons
  • High enrollment fees

  • Six- to nine-month commitment

Overview

AMB Credit Consultants has been helping Americans improve their credit since 2007. The Dallas, Texas-based company focuses not only on improving credit reports but also on empowering customers through client advocacy and advisement. AMB Credit Consultants can help enable their clients to recognize and correct the negative financial habits that lead to poor credit in the first place.

AMB Credit Consultants offers two credit repair service options:

  • AMB Credit Empowerment Individual: $149 enrollment fee, $99 per month
  • AMB Credit Empowerment Couple: $198 enrollment fee, $198 per month

These options include the following:

  • Unlimited case reviews
  • Unlimited disputes
  • Credit education
  • Immediate responses to new collection letters
  • Cease and desist letters

You are obligated to commit to at least six to nine months of service.

The company offers a money-back guarantee. If AMB Credit Consultants doesn’t remove at least one negative mark from your credit reports within six months, the company will offer a refund. We were unable to reach AMB Credit Consultants’ team by phone during business hours to confirm where the company does business.

AMB Credit Consultants has earned a C rating with the Better Business Bureau but isn’t accredited. There haven’t been any complaints with the Consumer Financial Protection Bureau.

Read the full AMB Credit Consultants review

Final Verdict

We recommend Ovation Credit Services as the best overall credit repair company because it offers a free consultation and a no-risk refund policy. You can also enjoy multiple discounts and can have an unlimited number of issues repaired.

Compare the Best Credit Repair Companies

Company Services Starting Fee Fee Schedule Max Repaired Issues
Ovation Credit Services Best Overall 2 $89 First work fee then monthly Unlimited
Sky Blue Credit Runner-Up, Best Overall  $79  Setup fee then monthly  15 items per 35 days
Credit Saint Best Simple Credit Repair Options  $99-195 First work fee then monthly  Varies 
The Credit Pros Best for Package Options  2 No setup fees Monthly  Unlimited 
The Credit People Best Guarantee  $19  Set up fee then monthly  Unlimited 
AMB Credit Consultants Customer Education  $149  Enrollment fee then monthly Unlimited 

Frequently Asked Questions

What Is a Credit Repair Company?

When it comes to credit repair, there are many service providers to choose from, each offering to boost your credit score. But per the Credit Repair Organizations Act (CROA), companies can’t promise results. If you can’t afford to pay for a credit repair company's services, it may be possible to achieve the same results on your own for free.

Credit repair companies may improve your credit score for a fee. These companies review your credit reports and work to remove negative information. This may involve negotiating with your creditors. It also may include disputing inaccuracies with the credit bureaus. As the negative marks disappear, your credit score will improve.

Do Credit Repair Companies Actually Work?

Credit repair companies can improve your credit score, especially if your damaged credit history feels like too much to tackle alone. But credit repair companies aren’t the only option. You may seek guidance from a non-profit credit counselor through the National Foundation for Credit Counseling.

How to Verify a Credit Repair Company

Unfortunately, fraud is common in the credit repair industry. Before signing up with a credit repair company, you should always do your homework. 

Start by making a list of established companies. Check ratings with the Better Business Bureau and search for complaints in the Consumer Financial Protection Bureau database. After narrowing down your list, you can interview each company before making a decision. 

According to the Federal Trade Commission, there are several signs of fraud to watch for:

  • Asks for large amounts of money upfront
  • Discourages you from contacting the credit reporting agencies yourself
  • Says to dispute correct items on your credit reports
  • Encourages false information on credit or loan applications
  • Skips over your legal rights when explaining the company's services

The Credit Repair Organizations Act (CROA) says you have the right to cancel a contract within three days of signing for any reason. If you have trouble with a credit repair company, you can report the issue to your state attorney general or the Federal Trade Commission (FTC).

In a recent interview with Steve Weisman, an accomplished lawyer and senior lecturer on law and taxation at Bentley University, he explained that "The Credit Repair Organizations Act (CROA) requires credit repair companies to provide you with a written contract that details the services they will perform for you and explain your rights under the law, notify you of a three day right to cancel your contract with the credit repair company, inform you of how long it will take to perform their services and explain in detail the total cost to you."

How Much Does It Cost to Repair My Credit?

According to our research, most companies charge an upfront fee, ranging from $19 to $149. After that, you can expect to pay $19 to $149 per month for individuals. It may take up to six months or longer to improve your credit score, depending on your situation. It’s also possible to repair your credit on your own for free.  

Methodology

It can be challenging to find the right credit repair company which is why we created an objective credit repair methodology. To create our list, we looked for established companies offering nationwide services. We also considered each company's reputation and searched for regulatory enforcement action. We compared each company's services, pricing, and transparency.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. Better Business Bureau. "Ovation Credit Services by LendingTree." Accessed on June 27, 2021. 

  2. Consumer Financial Protection Bureau. "Consumer Complaint Database: Ovation Credit Services." Accessed June 27, 2021.

  3. Better Business Bureau. "Sky Blue Credit." Accessed June 27, 2021.

  4. Consumer Financial Protection Bureau. "Consumer Complaint Database: Sky Blue Financial Services, Inc." Accessed June 27, 2021.

  5. Better Business Bureau. "Credit Saint, LLC." Accessed June 27, 2021.

  6. Consumer Financial Protection Bureau. “Credit Saint.” Accessed June 27, 2021.

  7. Better Business Bureau. "The Credit Pros." Accessed June 27, 2021.

  8. Consumer Financial Protection Bureau. “Credit Pros.” Accessed June 27, 2021.

  9. Better Business Bureau. "The Credit People, Inc." Accessed June 27, 2021.

  10. Consumer Financial Protection Bureau. "Consumer Complaint Database." Accessed June 27, 2021.

  11. Better Business Bureau. "AMB Credit." Accessed June 27, 2021.

  12. Consumer Financial Protection Bureau. "Consumer Complaint Database." Accessed June 27, 2021.

  13. U.S. House of Representatives. "SUBCHAPTER II–A—CREDIT REPAIR ORGANIZATIONS." Accessed June 27, 2021.