8 Best Credit Repair Companies and Services of 2021

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(Ad) If you need to improve your credit score, there’s a good chance you will want to hire the best credit repair companies to do it for you. Repairing your credit by yourself will require a lot of time and patience, and likely will result in no small amount of frustration. It’s not surprising that many people make the wiser decision to pay for the help of a credit repair company.

Choosing the best credit repair service, however, can seem almost as daunting as doing it yourself. There are so many options, and it can be difficult to tell legitimate credit repair companies from scammers. Even among reputable credit repair companies, how can you tell which ones are effective?

We have reviewed the best credit repair services of 2021 to help you find the right company for your needs. We’ve analyzed their credit repair processes, reputations, credit repair reviews, guarantees, and prices.

If you’re ready to fix your credit without spending countless hours and the endless frustration of doing it yourself, here are the eight best credit repair companies of 2021.

The Best Credit Repair Companies of 2021

#1 Credit Saint: Best Overall

Our pick for the overall best credit repair company is Credit Saint. Since 2007, Credit Saint has maintained a continuous A+ rating from the Better Business Bureau, which is unusual among credit repair agencies. Credit Saint assigns each customer a personal advisory team of credit pros who monitor your case and call periodically to provide updates and answer questions.

Credit Saint has three service packages to choose from: Credit Polish, Credit Remodel, and Clean Slate. The plans range from $79.99 to $119.99 per month, with initial setup fees between $99 and $195. All the packages come with a 90-day money-back guarantee, and the initial consultation is free.

If you have only a few negative items on your credit report, you could choose the Credit Polish plan, the most basic package. Credit Saint will dispute up to 5 inaccuracies per month, including late payments, charge-offs, collections, and transactions related to identity theft. You get online access to Credit Saint’s resources, as well as phone support.

Moving up to the Credit Remodel package adds 5 more disputes per month, plus the ability to challenge bankruptcies and repossessions. You also get escalated information requests. This package has the same $99 set-up fee as the base plan, and costs $99.99 per month.

For the most extensive credit repair, the Clean Slate package is the most comprehensive among Credit Saint’s offerings. You get everything in the Credit Remodel package, plus unlimited disputes and the ability to dispute judgments.

  • A+ rating at the Better Business Bureau since 2007
  • Free consultation to go over your credit report
  • 90-day money back guarantee
  • Private online dashboard to monitor progress
  • Packages include credit monitoring with Experian

Click Here to Visit the Credit Saint Website for More Info

#2 Lexington Law: Most Reputable Company

lexington law

Founded in 2004, Lexington Law Firm has offices in Utah and Arizona and attorneys admitted in various states across the country. The firm employs attorneys and paralegals, which is not the case for many credit repair companies. Lexington Law will work with every clientto provide personalized credit counseling and customer service.

Lexington Law offers three service plans and a free initial credit report consultation to help you choose which credit repair options are best for your situation. At $89.85 per month, the Concord Standard plan includes bureau and creditor challenges, meaning Lexington Law will communicate with the three major credit bureaus on your behalf to enforce the Fair Credit Reporting Act.

The next level up is the Concord Premier plan, which costs $109.95 a month. This credit clean up service adds continuous credit monitoring, a monthly credit score analysis, questionable inquiry challenges, and more.

Lexington Law’s most complete plan—and their most popular service level—is the Premier Plus package. It includes FICO® Score tracking and analysis, identity monitoring, identity theft insurance, and a financial management tool.

The most advanced feature included in the Premier Plus plan is unusual among credit repair companies: legal assistance in dealing with third-party debt collectors and auctioneers. All this will cost you $129.95 per month.

  • Experienced credit repair law firm with over 500,000 active clients
  • 56 million removals since 2004
  • Free credit report consultation
  • Flexible credit repair packages for any budget
  • PremierPlus plan comes with identity theft protection

Click Here to Visit the Lexington Law Website for More Info

#3 CreditRepair.com: Best for Free Credit Score Analysis

credit repair reviews

Of the best credit repair companies we reviewed, CreditRepair.com offers a simple yet effective model. After paying the first work fee of $14.99, the basic rate for all their services is $99.95 per month.

Like most credit repair companies, the credit advisors at CreditRepair.com start by pulling your credit report from each of the three main credit reporting bureaus. They check your credit reports for questionable negative items that may be unfair, invalid, or inaccurate.

They will challenge these negative items with the credit bureaus or other credit companies on your behalf. Then they will follow up to ensure that your credit reports actually change after the disputes are resolved.

The types of items that CreditRepair.com can help you address include collections, judgments, late payments, charge-offs, bankruptcies, foreclosures, repossessions, and any items older than seven years.

Customers also get access to a variety of tools, including an online dashboard to track their credit repair progress. Members also receive text and email alerts, a credit score tracker and analysis tool, and mobile apps for both Android and iOS devices.

  • Free credit score analysis and summary
  • Personalized credit repair plan to improve your score
  • 1.8 million removals since 2012
  • 3 different credit repair service levels to choose from
  • Mobile credit repair app for iPhone and Android to monitor progress

Click Here to Visit the CreditRepair.com Website for More Info

#4 Sky Blue Credit: Best Value

sky blue credit

Sky Blue Credit has a simple pricing model consisting of a $79 first work fee and $79 per month, or $119 a month for couples. Like Credit Saint, Sky Blue Credit offers a 90-day money-back guarantee and a free initial consultation. Sky Blue has been in business since 1989.

When you sign up, Sky Blue Credit will get your free credit reports from the major credit bureaus. After a thorough review, they will identify potential data errors and prioritize the items that have the most impact. Then Sky Blue will start sending dispute letters to the credit bureaus, up to 15 per 35-day cycle.

The credit repair services available from Sky Blue Credit also include goodwill letters, cease and desist letters, debt settlement, and debt validation. They also offer balanced advice on how to improve your credit score, tailored specifically to your needs.

Sky Blue Credit repair says the process usually takes about six months, and you can pause or cancel the service without penalty at any time. That bit of extra flexibility is important, especially for those whose financial situation constantly changes.

  • Simple pricing structure with flat-rate credit repair packages
  • Low monthly fee of just $79 per month
  • No charge for the first 6 days
  • 15 credit disputes per 35-day billing cycle
  • Cease-and-desist letters to stop debt collector harassment
  • A+ Better Business Bureau rating

Click Here to Visit the Sky Blue Credit Website for More Info

#5 The Credit Pros: Fast Credit Repair Service

the credit pros

If you’re on the market for a reliable, affordable credit repair company, The Credit Pros may be your best option. This company has been in business since 2009, and since it began, its credit professionals have helped thousands of customers improve their credit scores and remove questionable items from their reports.

Jason M. Kaplan, an attorney and expert in the credit repair field, started The Credit Pros to help consumers boost their credit scores and avoid credit mistakes in the future. The company has grown steadily since its 2009 beginnings, and the Better Business Bureau has awarded The Credit Pros an A+ BBB rating for its trustworthy, effective services.

The Credit Pros utilizes a tried-and-true credit repair process to boost its customers’ scores by several points. Like many credit repair companies, this firm focuses primarily on identifying inaccurate items on your credit report that may be lowering your score. Once it pinpoints inaccuracies, the company will guide you through the repair process to remove these items.

After you complete a free consultation with the company, The Credit Pros will provide the following services to boost your score:

  • A personal action plan from a certified FICO credit repair professional
  • Credit dispute letters
  • Goodwill letters
  • Debt validation letters to creditors
  • Cease and desist letters
  • Credit monitoring to help identify identity theft or other fraudulent activity
  • A user-friendly customer portal

Several of this company’s features brought it to our attention.

First, The Credit Pros offers a convenient mobile app that allows you to check your credit repair progress on the go. We appreciate that the app is user friendly, free to download, and provides instant notifications about your credit activity.

We also like the company’s 90-day money-back guarantee. This guarantee allows you to try The Credit Pros’ services with confidence, knowing that the company will refund your money if it cannot dispute your negative items.

Also, you will have access to The Credit Pros legal network, so that you can talk to credit attorneys and engage their services if legal action becomes necessary. This is a distinct advantage of The Credit Pros.

Altogether, The Credit Pros is a reputable credit repair company that offers a range of valuable services to repair your credit report.

  • Credit monitoring included with every package
  • Identity theft protection and insurance included
  • Unlimited dispute letters for one low monthly fee
  • One-on-one action plan with personal case advisor
  • Monthly fees starting at just $19 per month

Click Here to Visit the Credit Pros Website for More Info

#6 The Credit People: Best Guarantee

the credit people

Some credit repair companies offer a money-back guarantee, often with restrictions. The Credit People have one of the best: a 60-day money-back guarantee if you’re not satisfied for any reason.

Another thing that sets The Credit People apart is their pricing: you can pay monthly, or a six-month flat fee. With the monthly option you pay a $19 setup fee and, after a 7-day trial period, you then pay $79 per month. During the trial period, you can get an idea of the state of your credit history and decide if you really need the help of a credit repair service.

With the 6-month flat-rate option, there is no set-up fee or monthly charge—you just make a one-time payment of $419. Since this works out to only $70 a month and the process usually takes 6 months, The Credit People offer one of the most affordable packages on the market.

Most of the top credit repair companies assign each customer a personal advisor. The Credit People do not, so you could end up talking to a different advisor each time you contact them. If this is a problem, you might want to choose a different credit repair company.

  • Legitimate credit repair company founded in 2001
  • Unbeatable satisfaction guarantee
  • Free credit reports and scores
  • Just $19 today and then $79 monthly fee, cancel anytime

Click Here to Visit The Credit People Website For More Info

#7 Pyramid Credit Repair: Best Customer Service

credit fixers

Since the best credit repair companies improve your credit score mostly through the same processes, Pyramid Credit Repair distinguishes itself from the competition with stellar customer service.

Founded in 2012, Pyramid assigns each customer a Personal Account Manager to help you through the entire credit repair process. They will walk you through requesting your credit scores and a free initial assessment to see if the program is right for you. And while your account manager is your primary point of contact, you also will have the support of an entire team of credit pros.

Pyramid Credit Repair protects their customers’ privacy—they will not share your credit data without your explicit consent. Their website is one of the better ones, meeting accessibility guidelines that many sites do not.

Pricing is simple: $99 a month for singles or $198 per month for couples. You can cancel without penalty at any time.

While Pyramid Credit Repair is not accredited by the Better Business Bureau, they do have an excellent Trustpilot score and consistently positive customer reviews. They offer a conditional 90-day money-back guarantee.

#8 Ovation Credit Services: Experienced Credit Fixers

credit fixers

Founded by Lending Tree, Ovation Credit Services offers two credit repair packages. Both plans start with an $89 first work fee on signup and include a free consultation, a case advisor, and personalized credit dispute options.

The Essentials credit repair package costs $79 per month, and includes 24/7 access to your case, with live updates from the Ovation Credit Services pros, as well as access to the online dispute service.

Stepping up to the Essentials Plus plan adds unlimited challenge validation and unlimited creditor goodwill letters. You also get a personalized creditor recommendation letter and TransUnion Credit Monitoring. This plan will set you back $109 per month.

Both plans allow customers to add Fast Track and Identity Optimization packages to their services for an additional fee.

Ovation Credit Services has an A+ accreditation from the Better Business Bureau, a standout score among credit repair companies. They also boast what may be the best website in the industry, with a modern interface and a smooth user experience that puts all their services at your fingertips.

Things to Consider When Choosing The Best Credit Repair Services

Free Consultation

All the best credit repair companies we reviewed offer a free credit consultation. This is essential to get a good sense of how they can help you before paying for their services. The credit expert will help you choose which of their credit repair services will benefit you most—or you could find that you don’t really need the assistance of a credit repair company at all, in which case you could save some money.

First Work Fee (Setup Fee)

Under the United States Credit Repair Organizations Act, a credit repair company cannot charge for services in advance. Most of them, however, do charge a setup or “first work” fee—a one-time fee to open your account. These work fees range from as little as $6.99 to almost $200.

BBB Rating

Fixing something as important as your credit score is serious, and you want to know you can trust the credit repair company you hire. Their reputation must be verifiable. A rating of A+ from the Better Business Bureau (BBB) is the gold standard. Legitimate credit repair companies don’t need to have the top BBB rating to be reputable, however, as long as they have a good record of dealing with problems.

Money Back Guarantee

Most of the credit repair companies we reviewed offer some sort of guarantee. Be sure to read the fine print, however, as not all guarantees are created equal.

Some credit help companies have no strings attached: you can cancel for any reason and get your money back. Others offer money back only if the credit repair company fails to remove negative items from your credit report. A 90-day money-back guarantee if your credit score hasn’t improved is a good option.

Number of Negative Items Disputed Per Billing Cycle

Good credit repair companies do most of their work by disputing inaccurate or unverifiable items found on your credit report. The most basic plans allow five disputed items per cycle. If you don’t have a lot of items to challenge, that could be enough for your needs.

If you require more extensive credit repair, you’ll want to step up to a plan that offers more disputes per cycle, as this will help speed the process of improving your credit score. The most comprehensive packages offer unlimited disputes.

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