Best Credit Repair Companies

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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 Credit Services is Better Business Bureau accredited with an A+ rating with 72 reviews and 52 complaints. The company has had no complaints with the Consumer Financial Protection Bureau.

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 their free consultation and no-risk refund policy.   

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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
• Debt validation
• Goodwill letters
• Cease and desist letters
• Debt settlement and negotiation

Sky Blue Credit offers a 90-day, money-back guarantee, and the average customer works with the company for six 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.

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.

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Credit Saint, an Oakland, New Jersey-based company, has been in business since 2007. 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

• Medium level of service
• Challenge late payments, identity theft, charge-offs, collections 

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

• High level of service
• Escalate information requests
• Challenge late payments, identity theft, charge-offs, collections, bankruptcies, and repossessions

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

• High level of service including the company’s “dispute avalanche” meaning you get as many disputes addressed as possible
• Escalate information requests
• Challenge late payments, identity theft, charge-offs, collections, bankruptcies, repossessions, judgments

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 12 states and the District of Columbia, according to a representative.

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.

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. 

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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 credit repair packages, which include: 

Money Management: $69 per month

• TransUnion credit score and monitoring
• IDCover access
• Cash Rules bill reminder and budgeting
• The Credit Pros debt and legal services
• Access to National Credit Direct, a product financing program where you can get approved for credit for home goods and appliances

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
• 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
• SlashRx prescription discounts
• Access to National Credit Direct

There are no additional setup fees, according to a representative. All four credit repair packages include: 

• One-on-one consultations with a Certified FICO Professional
• Unlimited dispute letters
• Debt validation letters (except for CreditSentry Monitoring plan)
• Goodwill letters to creditors
• Cease and desist letters to collections agencies
• Online client portal access

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.

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.

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The Credit People has spent 20 years helping Americans repair their credit, employing a team of FCRA Certified Credit Consultants. The Cottonwood Heights, Utah-based company has processed more than 310,000 credit reports, 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; it has eight complaints and four reviews with the BBB. It’s not easy to find The Credit People in the Consumer Financial Protection Bureau’s consumer complaint database. 

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

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AMB Credit Consultants has been helping Americans improve their credit for more than 11 years. 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: $149 enrollment fee, $149 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. You also must sign up for credit monitoring through IdentityIQ before scheduling your first consultation. There is a $25 cancellation fee if you don’t cancel an appointment at least 24 hours ahead of time.

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 an C rating with the Better Business Bureau but isn’t accredited. There haven’t been any complaints with the Consumer Financial Protection Bureau.

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.”