Best Credit Repair Companies of 2023

The Money Management plan offered by Credit Pros (which doesn't actually include any credit repair services) costs $69 per month. The next level, Prosperity, costs $119 per month and does include credit repair. Customers who need significant assistance can also opt for its Success Plus plan for $149 per month. 

To be eligible for a credit builder loan you'll need to sign up for the Success Plus plan, and then apply. Credit builder loans are a bit like reverse loans—you make the payments first, and then you get the money. Make all your payments on time, and you'll wind up with a loan account on your credit reports in good standing, which can help improve your credit. Credit Pros' credit builder loan reports to all three major credit bureaus.

According to customer support, the $5,000 line of credit is available with the Money Management plan; this is less useful than the credit builder loan because it only reports to Experian. That means it won't show up on your TransUnion and Equifax credit reports. And this line of credit is quite limited, as it can only be used for purchases with the National Credit Direct store.

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. 

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

Credit Saint has been in business since 2004. The website features rankings from various personal finance websites, and its 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.

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.

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 $499 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.

CreditFirm.net, which was founded in 1997, 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.

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.

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.

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.

Read the full Ovation Credit Services review.

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.