Best Credit Repair Companies

Ovation Credit Services is our best overall choice

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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.

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 Essentials Plan
$89 first work fee, $109 per month
Unlimited challenge validation letters
Unlimited creditor goodwill letters
Ovation recommendation letter
Credit monitoring
$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 and custom disputes
Debt validation
Goodwill letters
Cease and desist letters
Score assistance
Credit rebuilding 

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 Credit Remodel  Clean Slate 
$99 first work fee, $79.99 per month
Challenges to three bureaus
Score analysis
Score tracker
Creditor interventions
5 items challenged
$99 first work fee, $99.99 per month
Everything from Credit Polish
Inquiry targeting
Experian monitoring
10 items challenged 
$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 Prosperity Package  Success Package 
$69 per month
TransUnion credit score and monitoring
IDCover access
Cash Rules bill reminder and budgeting
$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
$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:

Month Membership Flat Rate Membership 
$19 setup fee, $79 per month
Access to credit reports and scores
Online account access
Unlimited disputes
Creditor communication
Debt and inquiry validation
$419 for six months
Access to credit reports and scores
Online account access
Unlimited disputes
Creditor communication
Debt and inquiry validation 

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:

Credit Empowerment Individual Credit Empowerment Couple 
$149 enrollment fee, $99 per month
Unlimited case reviews
Unlimited disputes
Credit education
Immediate responses to new collection letters
Cease and desist letters
$198 enrollment fee, $198 per month
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 

Guide to Choosing the Best Credit Repair Company

When choosing the best credit repair company, the most important things to consider are how much it’s going to cost, what services you’ll receive, and the reputation of the provider. Make sure the credit repair company offers a free consultation. You can expect to pay a one-time setup fee plus a monthly fee with most providers. The best credit repair companies offer some type of credit monitoring, comprehensive dispute options, and personalized service.

Debt Settlement vs. Credit Repair vs. Credit Counseling 

Before deciding what you should do to fix your credit, it’s important to understand the difference between the three most common debt relief options. Credit repair can be used to help resolve errors on your credit report. In contrast, debt settlement and credit counseling are debt relief options focused on helping people avoid bankruptcy and pay off their debt, in full but with a potentially reduced interest rate (credit counseling) or for a reduced amount (debt settlement). 

The key differences between debt settlement vs. credit repair vs. credit counseling are:

Credit Repair Credit Counseling  Debt Settlement 
Helps correct credit report errors by filing disputes with creditors and credit reporting agencies. Creates plans to help people repay debt in full more quickly and works with creditors to negotiate reduced interest rates. Works with creditors to negotiate debt settlements in an amount less the balance owed.

When Would I Use a Credit Repair Company?

You might consider using a credit repair company if you need help fixing numerous errors on your credit report and you don’t want to spend the time doing it yourself. You can resolve credit reporting errors on your own. However, the process can be time-consuming, especially if there are lots of errors. Credit repair companies can ease the burden by doing this work for you.

If you only need to resolve one or two simple credit reporting errors (e.g., your creditor forgot to mark one of your debts as paid in full), you’ll save money by working directly with your creditor to fix the problem. However, if you have lots of errors (e.g., your identity was stolen), then a credit repair company may be a good option. This is because the credit repair company will do all the work needed to fix your credit report. 

Keep in mind that credit repair companies can only be used to resolve credit reporting errors. If an item is not on your credit report erroneously, then credit repair is not for you. Rather, a good place to start is with a credit counseling agency. Your credit counselor will help you develop a plan to repair your credit (e.g., create a budget so you can pay on time, pay off or consolidate debt, etc.) and inform you about other debt relief options (e.g., debt settlement or bankruptcy).

How to Enroll with a Credit Repair Company

To enroll with a credit repair company, you’ll need to:

  • Obtain a free consultation from one of the company’s credit repair advisors to discuss your situation, determine if credit repair is right for you, and develop a plan to fix your credit. 
  • Determine which credit repair plan will work best for your situation. Make sure to review the plan paperwork before you enroll to understand the fee structure and the services you’ll receive. 
  • Complete the paperwork needed to enroll in the program (e.g., submit an application) and pay any fees as they come due (e.g., enrollment or setup fees, monthly fees, etc.). 

Comparing Credit Repair Companies

Before enrolling with a credit repair company, it’s important to understand how much it will cost, if the company offers a money-back guarantee, and the services you’ll receive (e.g., credit monitoring, number of disputes, etc.). Some of the factors to consider include:

  • Cost: After providing you with a free consultation, most credit repair companies charge an upfront setup or enrollment fee. This fee is intended to cover the initial work needed for the company to start resolving your credit issues. Plus, you’ll usually be required to pay a monthly fee for the duration of the program. This means the quicker your credit issues can be resolved, the less money you’ll be required to pay.
  • Money-back guarantee: Many credit repair companies offer a money-back guarantee, that promises a full refund if your credit issues aren’t resolved in three-to-six months (90 days is the most common money-back guarantee period). This type of money-back guarantee is important, as it provides the credit repair company with an incentive to resolve your credit issues as quickly as possible. 
  • Services: Although the primary goal of credit repair companies is to help you fix errors on your credit report, the exact services vary by provider. For example, many providers offer an unlimited number of credit disputes, while some providers limit the number of items you can dispute (e.g., 10 items). Plus, some credit repair companies only offer credit monitoring with their higher-cost plans. Make sure you understand what you’ll get before enrolling.

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 Use a Credit Repair Company?

Although you’ll get a free consultation before enrolling with a credit repair company, the services these companies offer aren’t free. Most credit repair companies charge an upfront setup or enrollment fee ranging from $79 to $149. Plus, you’ll usually be required to pay a monthly fee, which often ranges from $69 to $198 a month.

Is Using a Credit Repair Company Worth It?

Credit repair companies can be worth it, especially if you need help repairing multiple credit reporting errors. Not only do credit repair companies know what documentation is needed to get credit issues resolved, but they also have extensive experience working with creditors and credit reporting agencies. This means credit repair agencies might be able to help you fix errors quicker than you could on your own.

Before enrolling, make sure the credit repair company offers a money-back guarantee (e.g., a 90-day guarantee). With this type of guarantee, the company is incentivized to quickly resolve your issues. Also, make sure you understand how many items the company will dispute. This is particularly important if you have a lot of errors on your credit report that need to be resolved. 

Lastly, if the issues on your credit report are complicated, make sure the credit repair company creates custom dispute letters and will provide you with individualized support. This is because one-on-one support might be needed to resolve complicated issues.

Methodology

We evaluated many providers before settling on our list of the best credit repair companies. To create our list, we began by looking for companies offering nationwide services. Plus, we looked for companies with good reputations, based on a review of a wide variety of resources. Lastly, to make it on our list, the providers needed to offer transparent pricing and comprehensive credit repair services.  

You can read our credit repair methodology for a complete description of how we evaluated each company.

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

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  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.

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

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  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.