Credit report mistakes are much more common than you might think. And, while you can remove inaccurate information from your credit report yourself, the process is often frustrating and time consuming.
Credit repair companies can make this process easier by doing the heavy lifting for you — obtaining your reports, finding inaccuracies and disputing any mistakes directly with creditors and the major credit bureaus.
So, if you’re ready to leave bad credit behind, read on for Money’s guide to the best credit repair companies of November 2021.
Our Top Picks for Best Credit Repair Companies
Credit Saint – Best Overall
Lexington Law – Most Customers Helped
Sky Blue Credit – Best for Flexible Subscriptions
Ovation Credit Repair – Best for Discounts
The Credit Pros – Best Bonus Features
The Credit People – Best Guarantee
Credit Versio – Best for DIY Credit Repair
Best Credit Repair Reviews
Pros
90-day money-back guarantee
Options for every budget
Clear pricing policies
Online sign-up available
Cons
Limited availability
First work fees between $99-$195
No online chat
Monthly fee: $79.99 – $119.99
Credit Saint is our pick for Best Overall because of its clear pricing policies and array of affordable and comprehensive package options.
The packages — which range from $79.99 to $119.99 — differ in how many claims they’ll dispute a month, from five claims with the basic “Credit Polish” plan to an unlimited amount with the premium “Clean Slate” plan.
Credit Saint offers a free consultation to evaluate your particular situation, your credit scores from the three major bureaus and to identify the next steps you should take. Once you sign up with them, the company assigns an advisory team to your case and schedules calls to keep you informed.
Credit Saint also gives you access a credit score tracker and monitors changes in your Experian report. Additionally, it has a 90-day money-back guarantee if you don’t see any changes in your credit history after three months.
The company offers three credit repair packages: Credit Polish, Credit Remodel and Clean Slate.
Credit Polish
$79.99 p/m
Credit Remodel
$99.99 p/m
Clean Slate
$119.99 p/m
$99 one-time initial work fee
$99 one-time initial work fee
$195 initial work fee
Dispute up to 5 items per monthly cycle
Dispute up to 10 items per month
Unlimited monthly disputes
Goodwill intervention letters to creditors
Experian monitoring
Experian monitoring
Goodwill intervention letters to creditors
Goodwill intervention letters to creditors
Escalated information requests
Escalated information requests
Pros
Long, proven track record
Online contact options
Employs attorneys and paralegals
Free credit report consultation
Cons
Credit monitoring only available with the priciest plan
Financial management tools only available with Premier Plus plan
Pending legal action from the CFPB
No satisfaction guarantee
Monthly Fee: $89.95 – $129.95
Lexington Law is well-known in the credit repair industry, with more than 17 years in the business and almost nationwide availability (every state except in Oregon).
Because it’s a law firm and its staff is mostly attorneys and paralegals, the company is said to explore every legal avenue to correct inaccuracies in your credit report. Its account reps — often paralegals — offer personalized support over extended hours, seven days a week.
The company offers three service packages which range from $89.85 to $129.95 per month, each including credit disputes and creditor interventions — such as goodwill letters and debt validation letters. Its mid- and high-tier plans include additional perks like Transunion credit monitoring, identity monitoring and/or a FICO score tracker.
If you want to track your credit progress, Lexington has a highly ranked mobile app where users have 24/7 access to their credit score analysis, personalized counseling plan and dispute updates.
However, Lexington has also had its share of legal problems. It’s the subject of several lawsuits, including legal action filed by the Consumer Financial Protection Bureau in 2019, which alleges that the company used unfair telemarketing practices to recruit customers. The company claims that the practices were actually carried out by third parties they contracted.
Despite this, Lexington Law remains a powerful player in the industry and offers the advantage of having an experienced law firm handling your case.
Pros
90-day money-back guarantee, no conditions
50% off a month for couples discount
Repair up to 15 items every 35 days
Online sign-up available
Cons
No monthly credit monitoring
No financial tools, such as budgeting
Monthly disputes limited to five per bureau every 35 days
Monthly fee: $79 – $119
Several credit repair agencies offer a 90-day money-back guarantee which promises to refund your money if they don’t remove any negative items from your credit report in that time period. Sky Blue Credit Repair offers a 90-day refund policy as well, but goes one step further — it also lets you pause and resume your membership whenever you like, a feature not available with most other companies.
If you want to skip a month of service without canceling your subscription, you can request a pause online. You won’t get charged monthly payments while your account is paused and you can resume the subscription when needed. This could save you some money on startup fees, which most credit repair companies charge whenever you start using services.
Sky Blue offers one plan for $79 a month for individuals and $119 a month for couples (both married or unmarried partners).
Like some competitors, Sky Blue not only helps you remove inaccurate information from your credit report, you’ll also get advice on managing existing debt and improving your financial habits.
Sky Blue is no longer registered with the Better Business Bureau (companies have to pay annual fees to stay accredited). However, it boasted an A+ rating when it was and consumer comments were largely positive.
Its credit repair plans include:
Sky Blue Credit Repair Services
$79 p/m ($119 p/m for couples)
Dispute up to 15 items (5 per credit bureau) every 35 days
Customized dispute letters
Statute of limitations research on reported debts
Credit score guidance
Credit rebuilding counseling
Debt settlement and negotiations consultations
Debt validation, goodwill and cease and desist letters
Pros
Multiple available discounts
Cancel any time
Financial management tools available with both plans
Parent company LendingTree has a solid reputation
Cons
Credit monitoring only provided with Essential Plus
Phone-only application process
No 24/7 support
Monthly fee: $79 – $109 per month
Ovation Credit Repair stands out when it comes to discounts. It offers a 20% discount for couples and a 10% discount for seniors and military members. It also provides a one-time credit of up to $50 if you switch from another credit repair agency or refer a friend.
The company offers two credit repair packages: the Essential and Essential Plus. With the Essential plan, a case advisor will guide you through the dispute process and advise you on improving your overall credit situation. You’ll also get access to financial tools for budgeting and building a debt repayment plan.
The Essential Plus plan offers additional benefits like Transunion credit report monitoring and unlimited debt validation letters, which ask collectors to verify the accuracy of reported debt. This is an important step because, if a collector doesn’t have enough documentation to prove the account in question belongs to you, the bureaus might remove it from your report.
Essentials Plan – $79 p/m
Essentials Plus Plan – $109 p/m
$89 one-time initial work fee / $79 monthly fee
$89 one-time initial work fee / $109 monthly fee
Free consultation with a credit expert
Free consultation with a credit expert
Personalized credit dispute options
Personalized credit dispute options
A case advisor that will oversee the process from start to finish
A case advisor that will oversee the process from start to finish
Personalized dispute options
Unlimited dispute and goodwill letters to creditors
Personal case advisor
TransUnion credit monitoring
Financial Management Tools
Official Ovation recommendation letter for future potential lenders
Pros
Financial management tools and credit monitoring included with every plan
Live chat available
Certified FICO professionals
No setup fee
Cons
Basic credit repair package only includes one credit dispute
24/7 phone support isn’t available
Monthly fee: $69 – $149
While many credit repair companies offer extra perks only with premium plans, The Credit Pros offers useful financial management tools even with its least expensive package.
The most affordable package (Money Management) includes tools like bill reminders and a budgeting system that syncs to your credit accounts in real-time, in addition to credit and identity theft monitoring services.
The Credit Pros will provide Transunion credit score updates and a full credit report every 60 days. It’ll also track your personal information (like your Social Security number and address) to see if it’s found on the dark web or was used to take out a payday loan, for example.
However, one drawback of the Money Management plan is that it’ll address only one inaccurate item from your report per month. If you need help with several items, you’ll need to upgrade to the Prosperity and Success packages. These include the same benefits as the Money Management plan plus some additional perks.
The Prosperity Package provides access to SlashRx, a discount program for prescription medications. The Success Package does as well, but it also offers a credit line from National Credit Direct. National Credit Direct is a financing program that allows customers to purchase items such as electronics at low monthly payments. The monthly payments are reported to the credit bureaus, which may help people improve a poor credit score. Do note that the company’s items are usually more expensive when compared to other retailers.
All plans include access to The Credit Pros’ mobile app, which lets you review disputes, receive real-time updates and monitor your credit score and report.
The company’s free consultation is available in English and Spanish, something not common in the credit repair industry. However, note that its initial work fee is higher than many other competitors’ — $119 for its low and medium tier plans and $149 for its premium plan.
There are 3 packages to choose from:
Money Management
$69 p/m
Prosperity Package
$119 p/m
Success Package
$149 p/m
$119 one-time initial work fee
$119 one-time initial work fee
$149 one-time initial work fee
One credit dispute per month
Same features as the Money Management plan
Same features as the Money Management plan
Updated free credit reports every 60 days
Unlimited number of monthly credit disputes
Unlimited number of monthly credit disputes
Goodwill letters
Discounts on medication
Discounts on medication
Debt validation letter
No credit line
Discounts for National Credit Direct products
Cease and desist letters to lenders
Credit line from National Credit Direct
Access to the company’s legal network
Personalized action plans with certified FICO professionals
Credit line from National Credit Direct
Pros
Simple pricing structure
Customer service available through phone, chat or email
Low one-time first work fee ($19)
Access to credit score and reports from all three credit bureaus
Cons
No credit monitoring
No financial management tools
Monthly fee: $79 or $419 six month flat-rate
Most credit repair companies offer a 90-day money-back guarantee. Others only refund you for the last month of service. The Credit People, on the other hand, lets you cancel your subscription whenever you want, and refunds both the last and previous month’s payment.
The company’s low startup fees set it apart from competitors. While other credit repair services charge around $79 or more to set up your account and pull your credit report, The Credit People only charges $19. After your account is ready, you can either pay $79 a month until you get the result you want or pay a flat fee of $419 for a six-month plan.
The Credit People’s interface is also a plus — you can monitor updates to your credit report or score from all three credit bureaus from their easy-to-use online dashboard. It also lets you track open disputes and connect to customer service in case you have any questions.
The two memberships offered by The Credit People include the following credit repair services:
The Credit People Membership
$79 p/m ($119 for couples)
$19 initial fee
$419 flat-rate pricing for a six month membership ($69.83 p/m)
6-month satisfaction guarantee with flat-rate membership
Credit reports and credit score
Action plan focused on raising your credit score
Unlimited disputes
It offers the following credit repair packages:
Concord Standard
$89.95 p/m
Concord Premier
$109.95 p/m
Premier Plus
$129.95 p/m
Bureau challenges
Bureau challenges
Bureau challenges
Creditor interventions
Creditor interventions
Creditor interventions
InquiryAssist
InquiryAssist
Score analysis
Score analysis
ReportWatch
ReportWatch
TransUnion alerts
TransUnion alerts
Cease & desist letters
FICO score tracker
Identity theft protection
Personal finance tools