7 Best Credit Repair Companies of 2024

A bad credit score can hold you back in many ways, even if your credit challenges aren’t your fault. Credit report errors could damage your credit score and make borrowing money harder and more expensive. It’s your right to obtain a free credit report to review your credit situation and submit disputes on your own at no cost. Still, some people prefer to hire a credit repair company to manage the dispute process on their behalf.

We chose the eight best credit repair services based on pricing, services rendered, and more. If you’re considering paying someone to help you with credit disputes, one of the following companies might be a good fit.

Our Top Picks for Best Credit Repair Companies in 2024

• Credit Saint: Best Overall
• Credit Versio: Best DIY Credit Repair
• Sky Blue: Best for Couples
• The Credit People: Best Guarantee
• Ovation Credit Repair: Best for Discounts
• The Credit Pros: Best Value
• CreditRepair.com: Best Credit Repair Resources

Best Credit Repair Reviews

Best Overall: Credit Saint

Why we chose it: Credit Saint gets our best overall rating for its clear and easy-to-figure-out pricing, multiple membership packages and money-back guarantee.

Credit Saint offers three different credit repair packages: Credit Polish, Credit Remodel, and Clean Slate. Prices range from $79.99 to $129.99 per month, plus tax. Additionally, new customers must pay a one-time initial fee, a standard practice in the credit repair industry.

The main difference between the packages is the number of monthly claims they will dispute. The Credit Polish plan allows up to five claims, while the premium Clean Slate plan allows unlimited claims.

Along with the credit repair services, Credit Saint also provides a credit score analysis and access to a credit score tracker to monitor your progress.

Here’s a comparison of the three credit repair packages available through Credit Saint.

	Clean Slate	Credit Remodel	Credit Polish
Monthly Fee	$129.99/month	$99.00/month	$79.99/month
Initial Work Fee	$195.00	$99.00	$99.99
Number of Disputes	Unlimited	10 Items Per Cycle	5 Items Per Cycle
Challenges to the 3 Credit Bureaus	✔️	✔️	✔️
Score Tracker	✔️	✔️	✔️
Score Analysis	✔️	✔️	✔️
Hard Inquiries Targeting	✔️	✔️	X
Creditor Intervention Letters	✔️	X	X

The company offers a generous 90-day money-back guarantee. However, if you want to cancel, you must do so via phone on a recorded line. Email cancellation requests aren’t accepted. To learn more, read our full Credit Saint review.

Best DIY Credit Repair: Credit Versio

Why we chose it: Credit Versio is a lower-cost, more efficient alternative to credit repair companies. It bundles all the resources (except for live expert consultations) that consumers might need to manage the credit repair process themselves.

The company offers three pricing options ranging from $19.95 to $29.99 per month. But the company doesn’t appear to offer any discounts to family members, and there’s no money-back guarantee either.

Here is a comparison of Credit Versio’s three membership packages.

	Smartcredit® Basic	Smartcredit® Premium	IdentityIQ
Monthly Fee	$19.95	$29.95	$29.99
Initial Work Fee	N/A	N/A	N/A
Number of Disputes	Unlimited	Unlimited	Unlimited
Monthly 3 Bureau Credit Reports and Scores	✔️	✔️	✔️
Identity Theft Insurance	$1 Million	$1 Million	$1 Million
SmartCredit Money Manager with 2 monthly Report & Score updates	✔️	✔️	X

Credit Versio doesn’t give you access to live credit experts for personalized advice and guidance. Instead, it provides credit coaching via articles, videos, and online tutorials. Although self-coaching requires more time, it can ultimately turn you into a more educated consumer, which is a very good thing. Read more about the company’s plans by reading our Credit Versio review.

Best for Couples: Sky Blue

Why we chose it: Sky Blue gets our nod for the best credit repair company for couples because its customers can add a spouse to the program for just $40 per month. Other stand-out features include a 90-day guarantee and the option to pause payments as needed.

Sky Blue Credit offers just one membership option for customers who wish to sign up for credit repair services — $79 per month after a one-time $79 setup fee. Couples can join together for an extra $40 per month, making both the setup fee and the first monthly fee $119 for two people together.

On the surface, Sky Blue credit repair services appear more affordable than its competitors. But customers are limited to five interventions per credit bureau (15 total) per 35-day dispute cycle. For people needing to dispute a higher number of accounts, membership with Sky Blue might last longer and, therefore, could cost more overall.

To learn more, read our Sky Blue full review.

Best Guarantee: The Credit People

Why we chose it: The Credit People’s flexible cancellation and satisfaction policy led us to name it as the credit repair company with the best guarantee. You can cancel anytime and the company won’t charge you for that month of service.

Three pricing options are available — two monthly options and a flat-rate plan. With the monthly plan, you pay $79 per month for the standard plan or $99 per month for the premium plan. Both monthly plans have a one-time $19 first-work fee. The premium flat-rate option is $499 for six months of membership (a $16 monthly discount compared with the premium monthly plan).

For an in-depth analysis of the company’s offerings, read our full review of The Credit People. Below is a quick side-by-side look at The Credit People’s credit repair service packages.

	Standard Monthly Membership ($79)	Premium Monthly Membership ($99)	Premium Flat Rate 6-month Membership ($499)
Pay as you go	✔️	✔️	X
All 3 credit bureaus	✔️	✔️	✔️
Unlimited challenges	✔️	✔️	✔️
All 3 “before and after” credit scores	✔️	✔️	✔️
Monthly updated credit reports and scores	X	✔️	✔️
Communications with creditors	X	✔️	✔️
Escalated disputes and validations	X	✔️	✔️

Creditor intervention is one of the company’s most valuable services, especially for customers with little to no experience negotiating with credit bureaus. However, creditor intervention is only available in the premium plan, which is pricier than most competitors.

Best Value: The Credit Pros

Why we chose it: Credit Pros stood out because of its numerous perks and benefits. When you factor in the unlimited disputes and its mobile app, it’s clear that The Credit Pros gives consumers considerably more services for not much more money.

The Credit Pros offers three membership options with transparent pricing — Money Management, Prosperity, and Success Plus. Costs for services range from $69 to $149 per month, and setup fees range from $119 to $149. Learn more about this company in The Credit Pros review

Here’s a closer look at the company’s credit repair packages and the services they include.

	Money Management	Prosperity	Success Plus
Credit Repair Fees	$69/month, $119 Setup Fee	$129/month, $129 Setup Fee	$149/month, $149 Setup Fee
Unlimited Dispute Letters	Not Included (Inquiry Disputes Only)	✔️	✔️
Debt Validation Letters to Creditors	X	✔️	✔️
Goodwill Letters to Creditors	X	✔️	✔️
Debt Collector Cease and Desist Letters	X	✔️	✔️
Three bureau reports and scores	X	X	✔️
24/7 Access to Online Account	✔️	✔️	✔️
TransUnion Credit Report and Score	✔️	✔️	✔️

Best Credit Repair Resources: CreditRepair.com

Why we chose it: CreditRepair.com offers a wealth of credit repair resources and tools to help you improve your credit profile.

CreditRepair.com has been in business since 2012 and stands out for its extensive credit resources, including a free credit score and a free negative item summary. The plans also include a credit score tracker, score analysis, credit monitoring, and alerts. Their comprehensive online educational library has valuable tools such as letter templates.

CreditRepair.com offers three comprehensive plans that include credit monitoring and ID Theft insurance.

Here is a detailed look at CreditRepair.com’s comprehensive plans:

	Advanced	Standard	Direct
Monthly Plan Fee	$119.95	$99.95	$69.95
Bureau Challenges Per Month	19	15	15
Creditor Interventions Per Month	6	3	3
Bureau Challenge	✔️	✔️	✔️
Inquiry Assist	✔️	✔️	✔️
Goodwill Interventions	✔️	✔️	✔️
Quarterly Credit Score Updates	✔️	✔️	✔️
FICO Score Inquiry Assist	✔️	✔️	X
Creditor Interventions	✔️	✔️	✔️
Cease and Desist Interventions	✔️	X	X

CreditRepair.com does not have a strong rating from the Better Business Bureau and is not BBB-accredited. That’s not uncommon for credit repair companies, but CreditRepair.com was also the defendant in a class action lawsuit, and a settlement was reached in August 2023. Your experiences with CreditRepair.com may not be affected by the claims made in this lawsuit, but the business does not have a strong track record based on these details.

To learn more, read our CreditRepair.com review.

Other Companies We Considered

Although they didn’t quite make it into our top picks, the following credit repair companies are also noteworthy providers that may be worth considering.

CreditFirm.net

CreditFirm.net is a credit repair company that specializes in credit dispute services. It offers one plan for $49.99 per month, which includes unlimited credit disputes, inquiry challenges, goodwill letters and a credit score analysis. Despite its excellent dispute services, CreditFirm.net lacks the wide range of additional services other companies offer, such as credit monitoring and identity theft insurance.

Credit Assistance Network

Established in 2004, Credit Assistance Network is a credit repair company offering a suite of services, including credit disputes, credit analysis, credit monitoring and identity theft protection. It offers three credit repair plans ranging from $49 to $149 monthly. Although the company offers a free consultation service and a 90-day money-back guarantee, it lacks a mobile app, live chat support and the robust educational resources that other companies offer.

Lexington Law

Lexington Law has been an industry leader for over 18 years. They offer three plans with extensive services – Premier Plus for $139.95, Concord Premier for $119.95 and Concord Standard for $99.95. Lexington Law’s plans include up to $1 million in ID and fraud insurance. Users can sign up for additional monitoring for $8.95 to 24.95 per month, plus taxes and fees.

Lexington Law provides a team of highly trained legal consultants that can provide personalized assistance, but in recent years it has been involved in a couple of legal proceedings. The Consumer Financial Protection Bureau sued them in 2019 for alleged telemarketing fraud, with Lexington Law blaming affiliate partners for the calls. The case was settled in August 2023. In 2021, the courts dismissed the CBE Group’s fraud claim against Lexington Law.

You can read more in our Lexington Law review.

Credit Repair Guide

Trying to repair damaged credit can take time and effort. There are different ways to approach the credit repair process (DIY, credit builder loans, hiring an expert, law firms, etc.), and each strategy has its benefits and drawbacks. If you’re wondering how to fix your credit, the following guide can help you understand the process and determine which option is best for you.

How to choose the right credit repair company

Explore the payment options that best suit you

Finding a credit repair company that offers payment options that fit your budget is essential. Consider the following factors when deciding which type of payment best suits your situation:

• Price: How much does the service cost? Are there any discounts available?

• Payment plans: Does the company offer a payment plan? Are there any hidden fees or interest payments?

• Payment methods: Does the company accept credit cards, PayPal or your preferred payment method?

• Money-back guarantee: Does the company offer a money-back guarantee for its services?

Consider the benefits of different credit repair memberships

As you shop around, consider the services and benefits of different credit repair memberships, not just the cost. A cheaper monthly plan might be more expensive in the long run if the company only sends a limited number of disputes each month. Likewise, signing up for a company that offers a money-back guarantee might provide peace of mind.

Take a look at customer reviews

Finally, take a look at customer reviews. It’s not unusual for companies to have negative reviews. You can’t make everyone happy, and some people have unrealistic expectations. But if you discover that a company you’re considering has many recent negative reviews, pending lawsuits, or other causes for concern, you may want to move on.

How does credit repair work?

Legitimate credit repair disputes outdated, questionable and inaccurate information on your credit reports with the three major credit bureaus. A credit repair business may also help you send dispute letters directly to the creditors that supplied the incorrect information to the credit bureaus in the first place (e.g., removing inaccurate collections from credit report); these actions are known as creditor interventions. Others offer personal finance tools that can assist you in staying on top of your credit profile.

Credit repair services can help you fix up your credit history, but their assistance alone is unlikely to result in total credit restoration. If your poor credit is due to legitimate repossessions, foreclosures, liens, charge-offs, and collection agencies’ actions, there’s little a credit repair firm can do for you. Still, learning how to read your credit report, maintaining an on-time payment history, establishing new credit, and keeping your credit usage low are all strategies that might help you begin to restore your credit profile.

How to avoid credit repair scams?

You may come across fraudulent companies or individuals posing as credit repair professionals, so be sure to research before signing up for a credit repair service. Look for companies with a good reputation that don’t ask for money upfront or overreach with their promises. Also, read third-party reviews on sites like the Better Business Bureau or TrustPilot.

Signs that a credit repair company is a scam

Watch for red flags such as:

• Upfront fees
• Poorly designed websites
• Scarce online presence
• Exaggerated promises (e.g., “we guarantee to improve your FICO score by 100 points”)
• Representatives who encourage you to provide false information
• Anything that feels “too good to be true”
• Promise to remove hard inquiries from your credit history for a fee, only fraudulent inquiries can be removed.

Why should you use a credit repair company?

You may choose to use a credit repair company for many reasons:

• You have bad credit and want to improve your credit profile to achieve your financial goals
• You don’t have the time or the desire to monitor your credit reports and dispute claims
• You’ve been the victim of identity theft, such as a stolen social security number, and need support
• Debt collection agencies are harassing you

Negative information in your credit profile can lower your credit score and impact your financial health. Lenders use credit scores to assess your loan eligibility, and low scores often result in higher interest rates or a denial of a loan application. Credit repair companies work to help you clean up your credit file by acting on your behalf to dispute errors or inaccurate items. These companies can also write cease and desist letters to debt collectors and provide credit monitoring and financial consultations. Note that even reputable credit repair companies use the same tools and methods you have at your disposal for free.

How much does credit repair cost?

The cost of credit repair services varies greatly depending on the services you want. Credit repair companies may charge a flat fee or a monthly subscription. On average, the monthly cost can range from $50 to $150, depending on your chosen company and services — but it may be higher. Additionally, many companies require an upfront setup fee before working with you.