A Deep Dive into the US Market’s Best Credit Repair Companies

About Credit Saint — Credit Saint is actively regarded as one of the best companies in the industry. With over 15 years of experience, it’s been rated A+ by the Better Business Bureau and has had excellent results over the last few years. Hence, rightfully earning a place on our list of top credit repair organizations.

Areas of Expertise — Credit Saint not only challenges misleading, inaccurate, late, and incomplete items that affect customer credit scores but is also happy to provide on-going advisory services. All to ensure that customers stay away from decisions that may have a negative impact on their scores.

In addition, Credit Saint assists customers with monetary disputes, settlements, bankruptcy, repossession, identity theft, collections, and current debt management. In other words, a wholesome and legit credit repair service.

Pricing Scheme — In terms of pricing, the brand provides a 90-day money-back guarantee to increase customer satisfaction and general trustworthiness. Overall, Credit Saint provides 3 main packages:

• Credit polish ($99 “first work fee,” $79.99 monthly)
• Credit remodel ($99 “first work fee,” $99.99 monthly)
• Clean slate ($195 “first work fee,” $119.99 monthly)

Depending on your credit score and current needs, the advisory team will estimate the exact credit repair services cost.

About Ovation Credit Services — This credit repair company was established by Lending Tree — a digital loan assistant. During its years of service, Ovation Credit Services has helped thousands of customers improve their credit scores by leveraging multiple efficient strategies. It also made it on the list of credit repair companies by BBB, which gave it an A+ rating.

Areas of Expertise — Ovation Credit Services offers 3 key services — credit repair, credit education, and credit monitoring.

In terms of its credit repair features, Ovation Credit grants customers access to a series of personalized dispute options. Thus, allowing users to dispute any credit report item that may be incomplete, misleading, incorrect, or unverifiable.

What’s more, a personal case advisor is responsible for keeping clients informed and ensuring that they take appropriate financial decisions — not all companies provide such perks.

Lastly, Ovation Credit also offers financial management tools, making it easier for clients to build budgets, manage to spend, and figure out appropriate debt payment mechanisms.

Pricing Scheme — The brand offers not one but two pricing plans:

• The Essentials package — priced at $79 per month with a setup fee of $89. It features a number of personalized dispute options, a personal case advisor, and access to financial management tools.
• The Essentials Plus plan — priced at $109 per month with a setup fee of $89. As such, it offers only the kind of credit repair service you could only wish for. Namely, users gain access to unlimited challenge validation letters, unlimited goodwill letters to creditors, an official recommendation letter signed by Ovation, as well as TransUnion credit monitoring and alerts.

Also, albeit Ovation Credit does not offer a money-back guarantee, it has a fairly reasonable cancellation policy.

About The Credit Pros — Yet another one of the top 10 pros for fixing your credit report, The Credit Pros was founded a few years back and has been named one of the 5,000 fastest-growing financial technology firms. With a BBB rating of A, their credit repair service has been proven highly successful.

Areas of Expertise — The Credit Pros is an AI-based credit management system that provides comprehensive credit reports, and personalized insights pertaining to your score, alongside a series of helpful tools and tips. It’s also been referred to as one of the top-notch credit repair companies for late payments. Credit monitoring is also provided to help customers avoid financial decisions that would otherwise drastically affect their scores. 

Upon signing up, customers gain access to a one-on-one credit restoration action plan, designed by a FICO-certified advisor. The company is happy to send unlimited dispute letters, as well as a number of cease & desist, debt validation, and good-willed letters. Customers get full access to credit reports, bill reminders, budgeting systems, the TCP legal network, debt validation letters, social security debt monitoring, and more; truly the best way to repair credit. 

Pricing Scheme — The Credit Pros features a fairly confusing pricing scheme. Namely, there are 3 packages — Money Management ($69/mo), Prosperity ($119/mo), and Success Plus ($149/mo). 

As such, customers can expect to pay anywhere between $69 and $149 per month (based on their chosen plan), alongside the first work fee of $119, or $149.

Credit Pros’ major advantage is that each plan handles credit repair in the same manner. For example, the Money Management plan includes all of the essential credit management tools. The Prosperity plan complements the Money Management plan by including all of its features, but it isn’t restricted to a single debt repayment account. At last, the Success Plus plan comes with a credit builder loan and three-bureau reports and scores.

About Sky Blue Credit — Our credit repair USA reviews series continues with Sky Blue Credit — one of the market’s oldest companies for boosting credit reports. It was founded back in 1989 with the sole aim of providing a stress-free credit repair service (with a remarkably intuitive UI no less). Despite its good catalog of services, it was only given a C rating by the BBB.

Areas of Expertise — As of now, Sky Blue Credit Repair reviews are somewhat mixed — there are users who report nothing but praise, and then there are those who have gone as far as to file complaints. Thankfully, the company is trying its best to actively improve its services.

For instance, the brand revamped its user interface and simplified its services. As a result, confusing procedures are a thing of the past. Likewise, the company has worked hard to increase its transparency by introducing clear pricing packages and service descriptions; as should be the case with all credit score repair services.

In terms of their service, Sky Blue Credit offers a pro analysis feature that closely monitors each item on your credit report to find potential score improvement opportunities. The company is willing to dispute 15 items every 35 days, thereby ensuring a fairly quick repair process. Moreover, your personal consultant can continue to provide guidance even after your score has been fixed. Rebuilding tips are also given, as is the case with most reputable companies for fixing your credit.

Pricing Scheme — Sky Blue Credit features a single pricing plan — a $79 review/setup payment and a $79 monthly fee, which unlocks all the services provided by this company. A 90-day money-back guarantee is also offered.

Do keep in mind that there are slightly fewer perks compared to other top-level providers — hence the lower fee.

About Sky Blue Credit — Our credit repair USA reviews series continues with Sky Blue Credit — one of the market’s oldest companies for boosting credit reports. It was founded back in 1989 with the sole aim of providing a stress-free credit repair service (with a remarkably intuitive UI no less). Despite its good catalog of services, it was only given a C rating by the BBB.

Areas of Expertise — As of now, Sky Blue Credit Repair reviews are somewhat mixed — there are users who report nothing but praise, and then there are those who have gone as far as to file complaints. Thankfully, the company is trying its best to actively improve its services.

For instance, the brand revamped its user interface and simplified its services. As a result, confusing procedures are a thing of the past. Likewise, the company has worked hard to increase its transparency by introducing clear pricing packages and service descriptions; as should be the case with all credit score repair services.

In terms of their service, Sky Blue Credit offers a pro analysis feature that closely monitors each item on your credit report to find potential score improvement opportunities. The company is willing to dispute 15 items every 35 days, thereby ensuring a fairly quick repair process. Moreover, your personal consultant can continue to provide guidance even after your score has been fixed. Rebuilding tips are also given, as is the case with most reputable companies for fixing your credit.

Pricing Scheme — Sky Blue Credit features a single pricing plan — a $79 review/setup payment and a $79 monthly fee, which unlocks all the services provided by this company. A 90-day money-back guarantee is also offered.

Do keep in mind that there are slightly fewer perks compared to other top-level providers — hence the lower fee.

About Lexington Law — Lexington Law is a popular credit repair brand with over a decade of experience in fixing credit scores. It has multiple attorneys and paralegals as part of its staff and has served thousands of Americans.

Areas of Expertise — Lexington Law is one of the world’s famous credit repair organizations and offers multiple services and tools. It repairs credit scores by carrying out a thorough analysis of the reports and then disputing all questionable items. So far, it has dealt with monetary disputes, repossession, identity theft, collections, debt management, and other similar situations.

Lexington Law is well-known for its highly personalized and efficient customer service team. Another perk consists of its vast collection of educational resources, which users can leverage in order to better their credit scores over the long run. Seeing how it’s one of the most reputable credit repair companies in the industry, users can expect top-notch services.

Pricing Scheme — Lexington Law’s pricing scheme is quite complicated. Namely, there are three packs:

• Concord Standard — $89.95
• Concord Premier — $109.95
• Premier Plus — $129.95

The most expensive plan offers customers access to bureau challenges, inquiries, score analysis, alerts, creditor interventions, a FICO score tracker, as well as a plethora of personal finance tools. However, an additional $14.99 setup fee is required for each credit score report generated for the cheapest package (Concord Standard).

About Credit Firm — Despite its generic name, Credit Firm is one of the market’s oldest competitors for fixing credit report errors. It holds an A rating from the BBB and has served thousands of customers for over 9 years.

Areas of Expertise — The company provides all the standard features and services you would expect from the market’s finest credit repair service providers. Moreover, Credit Firm promises timely results, an exceptional customer service experience, and the integration of numerous techniques that will help improve credit scores.

The company will analyze your credit report and proceed to dispute any items that seem suspicious in the hopes of providing customers with lower interest rates, better employment opportunities, and higher chances of loan approval. Hence, users can expect unlimited challenges, inquiries, goodwill interventions, debt validations, and cease & desist requests. So, when it comes to fast credit repair companies, Credit Firm is the one that certainly fits the bill.

Pricing Scheme — Credit Firm is one of the cheap credit repair companies too. Users can expect to receive all of the above-listed services at a rate of just $49.99 per month with no hidden fees and the ability to cancel at any time.

About AMB Credit Consultants — Our credit repair services reviews wouldn’t be complete without AMB Credit Consultants. This company has over 11 years of experience and has uncovered that 79% of credit score reports contain errors. Consequently, it’s been awarded an A+ rating by the BBB.

Areas of Expertise — AMB Credit Consultants bases its services on four pillars — advice, audit, action, and awareness. That said, this is not a provider of cheap services; the company is willing to do all it takes to better your credit score. This includes thorough analysis, dispute letters, or the handling of various settlement, repossession, and collection procedures. So far, what the company has managed to attain is nothing short of excellent.

Pricing Scheme — In terms of pricing, a one-time setup fee of $149 is required. After that, customers have to pay $99 each month. Moreover, users have to be willing to commit to 6–9 months of service, which is a bit unusual when it comes to companies for improving credit scores.

About 360 Credit Consulting — 360 Credit Consulting is yet another extremely popular credit repair service provider. It was launched merely a few years ago and has already served thousands of Americans. Nevertheless, it was given an unsatisfactory D+ rating by the BBB.

Areas of Expertise — This company offers a custom-tailored, personalized credit repair process based on customer needs. 360 Credit Consulting is willing to provide users with financial advice, as well as dispute letters to credit report companies and the institutional bureau. Likewise, the company also handles settlements, repossessions, and collections; the firm has been praised for its efficient credit restoration plans and financial knowledge base.

Pricing Scheme — 360 Credit Consulting has proven quite affordable and it’s a provider of cheap credit repair services. The credit improving fee is just $69.99 per month for all the services provided by the company. Still, the provider lacks a satisfactory money-back guarantee.

About Landmark Credit Repair — Landmark Credit Repair represents a fairly new but impressive Texas-based credit repair agency. Moreover, it helps customers build their credit by conducting in-depth credit score analyses. In fact, it has often been referred to as one of the best credit repair companies in Dallas.

Areas of Expertise — According to Landmark Credit Repair, users can access professional consulting services concerning FCRA and FDCPA violations; dispute letters are sent by the company on behalf of their customers. Also, settlements, monetary disputes, repossessions, and collections can all be handled by the provider as well. Of course, as part of our credit repair USA reviews, we must also mention that Landmark Credit offers debt settlement guidance alongside a series of strategies that can be leveraged to quickly build credit.

Pricing Scheme — This company lacks a clear payment policy. They claim to provide cheaper services compared to competitors but do not offer an actual quote. With this in mind, users who are interested in receiving a quote should get in touch with Landmark Credit; they offer a free consultation.