Best Credit Repair Companies

The Credit Pros is our best overall choice among credit repair companies. It’s been in business since 2009 and offers three-tiered service packages. Prospective clients get a free credit repair consultation to help them decide which package is best for them. The company’s Money Management plan costs $69 per month, and its Prosperity plan costs $119 per month. Customers who need significant assistance can also opt for its Success Plus plan for $149 per month. 

Take note that the Money Management plan does not include credit repair; you'll need to go with the Prosperity or Success Plus plans for that.

As a Credit Pros customer, you’ll get access to TransUnion credit monitoring, so if there are changes to your report you’ll be alerted quickly. All packages also come with budgeting and bill payment tools, as well as identity theft protection. And with its Success Plus plan, you’ll get unlimited credit bureau disputes, creditor interventions, access to your credit reports and scores with all three bureaus, and a credit-builder loan. 

While Credit Pros doesn’t specify which types of letters it will send to the credit bureaus or creditors on your behalf, it does get to work quickly. New customers can expect this company to start working on their credit just three to five business days after signing up, and you can track progress through the Credit Pros mobile app or online portal.

If you need to connect with Credit Pros customer service, you can do so via phone, email, live chat, or support ticket. This company has no recent complaints with the Consumer Financial Protection Bureau (CFPB), although a lack of CFPB complaints doesn’t necessarily mean a company has a good reputation.

For more information, see the full Credit Pros Credit Repair review.

Unlike some competitors that offer vague timelines highlighting customer results, The Credit People will begin work almost immediately, and the company indicates that some customers will see results within just 60 days. It also provides your credit scores and reports right after you sign up, so you understand your credit situation when you start. Having this starting point can be helpful for gauging your progress over time. 

The Credit People offers a free credit repair consultation and one service package with two payment options. Customers can choose to pay $79 per month or $419 per year. Its service package includes unlimited disputes, a credit analysis, creditor interventions, monthly score updates, and credit monitoring. However, identity theft insurance and debt management solutions aren’t offered. If you’re unhappy with its annual service, the company offers a six-month satisfaction guarantee.

Clients can reach out to Credit People customer service over email, by phone, and through live chat or support ticketing. The website offers helpful educational materials, and you can view your progress in an online portal. But there’s no mobile app available.

For more information, see the full Credit People Credit Repair review.

Ovation Credit Services, a LendingTree company, has been in business since 2004. Founded by attorneys, Ovation offers proven credit repair services and has helped fix more than 1 million credit profiles, with an average of 19 improvements per customer, according to the company's website.

Ovation offers two credit repair plans online (others are available by contacting customer support):

Both plans include a free consultation and the same refund policy—if Ovation fails to provide the agreed-upon services in a given month, you won’t be charged for that month. You’ll also have five days after the date of enrollment to change your mind for a full refund.

Ovation stands out for offering more discounts than most credit repair companies. Depending on your situation, you may benefit from:

• The Competitive Upgrade — $50 Credit: If you currently or recently worked with another credit repair company and want to switch to Ovation, you can get a $50 credit.
• Tell a Friend — $30/$50 Credit: You’ll get a $30 credit for every person you refer to Ovation, and $50 for every couple (tell your Case Advisor if you refer someone).
• Couples Discount — 20% Discount: Any two associated people who sign up for credit repair services together can receive a 20% discount; actual couples qualify, but you can also just be relatives or friends. 
• Military Discount — 10% Discount: All retired and active-duty military personnel can receive a 10% discount on their monthly bill; must show a valid military ID.
• Senior Discount — 10% Discount: Customers who are 65 years and older can get a 10% discount on the monthly plan fee.

Read the full Ovation Credit Services review.

Credit Saint offers a comprehensive package for simple credit repair needs, designed 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 90-day money-back guarantee. 

Credit Saint has been in business since 2004. The website features rankings from various personal finance websites, and their services include a personal advisory team and ongoing credit education. 

Credit Saint's three levels of credit repair provide customers with a clear-cut path to becoming more creditworthy. The basic Credit Polish package might offer everything you need, or you may have to go with a higher tier.

Credit Saint offers a free consultation by phone, during which you can discuss which package is right for you. After that, you'll have online access and phone support throughout the process. Credit Saint provides credit monitoring through Credit Squad so you can make sure things are going in the right direction.

Read the full Credit Saint review.

CreditRepair.com is our top choice for best customer experience. Not only does it offer customer-friendly pricing, but it also provides several ways to connect with customer service, including phone, email, support ticket, and live chat. Clients can also get a free credit consultation when they sign up and track their progress through the company’s mobile app.

Similar to several competitors, CreditRepair.com offers tiered service packages. Its Direct package costs $69.99 and comes with bureau disputes, inquiry interventions, goodwill letters, and quarterly credit score updates. With a $99.95-per-month Standard package, you get the features of the Direct plan plus FICO Score inquiry assistance, which lets you dispute items on your own. Its highest-tier Advanced package costs $119.95 per month and comes with Direct plan features, monthly credit scores, and more dispute options. 

Along with those offerings, there is another plan that has a first work fee and a monthly fee of $24.95, but there are no details about this plan on the company website.

CreditRepair.com’s parent company, Progrexion Holdings, has several complaints with the CFPB, some of which mention CreditRepair.com (Lexington Law is another subsidiary of Progrexion). Dissatisfied customers complain about excessive fees and issues canceling their service. Despite these complaints, CreditRepair.com could be worth considering if you’re seeking relatively affordable services and accessible customer representatives.

For more information, see the full CreditRepair.com review.

Founded in 1997, CreditFirm.net is our top choice for dispute services among credit repair companies. Not only does it send unlimited dispute letters on your behalf, but it will dispute issues with creditors and credit bureaus in several different ways, including sending debt validation, goodwill, and cease-and-desist letters. It also conducts CFPB, Federal Trade Commission (FTC), and Office of the Comptroller of the Currency (OCC) investigations on behalf of clients, and provides identity theft assistance.

Unlike certain competitors, CreditFirm.net only offers one plan for its customers, which costs $49.99 per month. The plan includes a credit analysis, unlimited disputes, goodwill letters, inquiry challenges, and credit monitoring. Plus, you’ll get a personal credit consultant assigned to your account, which can be useful because they’ll already have insight into your case if you have any questions. 

While CreditFirm.net offers customer service via phone, email, and support ticket, live chat is not available. It also does not offer a mobile app for clients. Still, the company doesn’t have any recent complaints with the CFPB.

For more information, see the full CreditFirm.net Credit Repair review.

The Credit Assistance Network has been helping its customers repair their credit since 2004. While it offers many of the services you’d expect from a credit repair company, including dispute, debt validation, and goodwill letters, customers also get credit monitoring and alerts, identity theft protection, and access to personal finance tools. (Rather than providing services itself, Credit Assistance Network connects you with other companies; for credit repair, you’ll end up signing up with The Credit Pros.)

Credit Assistance Network offers three service plans: Money Management ($49 per month), Prosperity Package ($119 per month), and Success Package ($149 per month). The Money Management plan comes with all of the services we discussed above, while the higher-tier plans come with added features like medication discounts and guaranteed lines of credit.

This company’s suite of services is appealing, but its customer service is somewhat lacking. Customer representatives can be reached via phone, email, and support ticket. But there’s no live chat or mobile app available, and its website doesn’t offer many educational resources. There aren’t many customer reviews of the company online, either.

For more information, see the full Credit Assistance Network Credit Repair review.

Lexington Law is our top pick for transparency, as its website and customer representatives are very forthcoming with information. While many credit repair company websites lack details about plans and features, Lexington Law provides informative descriptions of its services and outlines the three-step process it uses to repair your credit. Plus, it offers a detailed frequently asked questions page and a free consultation for new clients where a representative can answer any questions you might have. 

In terms of its services, Lexington Law’s website offers three-tiered plans based on your level of need. Those seeking minor credit repair might opt for its Lexington Essentials or Concord Standard plan, which cost $59.95 per month and $95.95 per month, respectively. If you need moderate credit help, the $119.95 per month Concord Premier plan may be a good option. And those seeking significant assistance might choose the Premier plan for $139.95 per month. Each plan comes with bureau challenges and creditor interventions, and higher-tier plans offer added services like TransUnion alerts, credit score analysis, and credit monitoring. 

There is another plan, not available on the website, with a first work fee and a monthly fee of $24.95.

While Lexington Law does have several complaints with the CFPB, it also offers accessible customer service. You can reach out to customer representatives via email, phone, support ticket, or live chat. You can also review your progress through the Lexington Law mobile app or online portal. 

For more information, see the full Lexington Law Credit Repair review.

Founded in 1989, Sky Blue is one of the most well-established credit repair services available. It provides all the services you’d expect, including credit repair, credit monitoring, unlimited disputes, and a debt management program that can help you improve your financial habits. 

Sky Blue offers a single-service plan with competitive pricing. Customers pay $79 per month, plus a $79 first work fee; Sky Blue provides a free credit repair consultation before you have to pay. In addition to credit monitoring, repair, disputes, and debt management, you’ll also get extra services like cease and desist letters, goodwill letters, and an identity theft consultation at no added cost.

While Sky Blue offers a generous array of features and services, it provides fewer customer service options than some competitors. Clients can connect with customer service over the phone, via email, and by getting a support ticket. But it doesn’t offer live chat or a mobile app, which is surprising given that the company has been in business so long. Sky Blue also has some recent complaints with the CFPB, where unhappy customers mention issues with customer service and incorrect account information.

For more information, see the full Sky Blue Credit Repair review.