Every year, the market’s best credit repair companies help tens of thousands of Americans fix their low credit scores, allowing customers access to loans with lower interest rates and higher chances of acceptance. In addition, fixing your own score is bound to be tedious work; it usually entails spending countless hours speaking with creditors, sending out applications, and doing the math.
In this article, we’ll discuss all the benefits of choosing one of these companies and the ways they can help improve your score. We’ve also included a brief buyer’s guide to help you make an informed decision as well.
To learn more, just keep on reading!
10 Best Credit Repair Companies in 2020
10 Credit Repair Companies Reviews
1. Credit Saint Review
- Rating: 10
- Perks: personalized advisory team
- Customer support: professional & prompt
- BBB rating: A+
- Setup fees: $99 or $195 depending on package
- Monthly price: $79.99–$119.99
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 companies.
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.
- Willing to engage in aggressive negotiations
- Money-back guarantee
- Unlimited disputes
- Above-average pricing scheme
2. Ovation Credit Services Review
- Rating: 9.8
- Perks: personalized creditor letters and credit score alerts
- Customer support: personal CS agent
- BBB rating: A+
- Setup fees: $89
- Monthly price: $79–$109
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 best 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 — free credit repair companies do not 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 best credit repair service. 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.
- Personalized user experience
- Credit monitoring alerts
- Unlimited dispute letters
- No appropriate money-back guarantee
3. Sky Blue Credit Review
- Rating: 9
- Perks: exceptional user interface, quick turnaround time
- Customer support: quick & dedicated
- BBB rating: C−
- Setup fees: $79
- Monthly price: $79
About Sky Blue Credit — Our credit repair USA reviews series continues with Sky Blue Credit — one of the market’s oldest credit repair companies. 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 top credit repair companies in 2020.
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.
- Simple pricing plan
- Dedicated customer support
- Well-designed user interface
- Unsatisfactory BBB rating
4. The Credit People Review
- Rating: 9
- Perks: proven track record, money-back guarantee
- Customer support: fast and professional
- BBB rating: C+
- Setup fees: $19
- Monthly price: $79 per month or a $419 flat fee
About The Credit People — The Credit People was founded in 2001 and has since helped tens of thousands of people improve their credit scores. While the fast credit repair service was only given a C+ rating by the BBB, it has multiple positive user reviews that help cement its trustworthiness.
Areas of Expertise — The company promises an estimated 53–187 increase in credit score. Namely, over 70% of customers got approval for auto loans, home loans, new credits, and refinancing; as is the case with all the best credit repair companies on Forbes at the moment.
Upon joining, customers gain access to a dashboard with 3 credit reports from leading credit institutions. The company’s consultants then proceed to dispute credit report items based on your current goals.
In addition, The Credit People are also happy to deal with any settlements, monetary disputes, debt management, and collections.
Pricing Scheme — The Credit People’s pricing scheme is quite different compared to its competitors. In essence, there are two plans — a monthly membership and a flat-rate membership. Moreover, this firm does not provide free credit repair services, but they do, in fact, offer a free consultation.
The monthly membership entails a setup fee of $19, followed by a fixed $79 per month; this can be canceled at any time. The flat-rate package, on the other hand, entails a $419 fee and you get to use their services for 6 months.
In addition, the brand offers a money-back guarantee in case customers are not satisfied with their services.
- Free consultation
- Proven track record
- Money-back guarantee
- Unsatisfactory BBB rating
5. The Credit Pros Review
- Rating: 9
- Perks: dozens of credit management tools, AI-based interface
- Customer support: quick and to-the-point
- BBB rating: A
- Setup fees: $19, $119, or $149
- Monthly price: $19–$149
About The Credit Pros — Yet another one of the top 10 credit repair companies, 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, personalized insights pertaining to your score, alongside a series of helpful tools and tips. It’s also been referred to as one of the best 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 4 packages — CreditSentry Monitoring, Money Management, Prosperity, and Success.
As such, customers can expect to pay anywhere between $19 and $149 per month (based on their chosen plan), alongside a setup fee of $19, $119, or $149.
- Access to numerous credit score tools
- One-on-one interaction with a certified FICO agent
- Unlimited number of letters
- Complicated pricing plans
6. AMB Credit Consultants Review
- Rating: 8
- Perks: excellent results, all-inclusive deal
- Customer support: dedicated and quick
- BBB rating: A+
- Setup fees: $149
- Monthly price: $99
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 credit repair 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 top-rated credit repair companies.
- Solid track record of positive results
- Multiple pillar-based services
- Handles most disputes
- Expensive packages
- Commitment requirements
- Lacks money-back guarantee
7. Lexington Law Review
- Rating: 8
- Perks: legal financial advice, high success rate
- Customer support: highly-personalized
- BBB rating: not rated or accredited
- Setup fees: $14.99
- Monthly price: $89.95–$129.95
About Lexington Law — Lexington Law is a popular credit repair company 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 top ten credit repair companies 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). As such, this brand is worlds apart from cheap credit repair companies.
- Numerous educational resources
- Excellent customer service personalization
- Legal financial advice
- Lacks a clear satisfaction guarantee
8. Credit Firm Review
- Rating: 8
- Perks: financial advice, unlimited disputes
- Customer support: professional and prompt
- BBB rating: A
- Setup fees: $0
- Monthly price: $49.99
About Credit Firm — Despite its generic name, Credit Firm is one of the market’s oldest credit repair companies. 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 best-rated credit repair companies. 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, this one certainly fits the bill.
Pricing Scheme — Credit Firm is one of the most affordable credit repair companies out there. 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.
- Unlimited disputes, inquiries, and letters
- In-depth legal credit audit
- Defense against collection agencies
- No satisfaction guarantee
9. 360 Credit Consulting Review
- Rating: 7.5
- Perks: good credit restoration strategy
- Customer support: efficient and personalized
- BBB rating: D+
- Setup fees: $0
- Monthly price: $69.99
About 360 Credit Consulting — This is yet another extremely popular credit repair service provider; though it’s certainly not one of the top 5 credit repair companies. 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 — Unlike other companies, 360 Credit Consulting has proven quite affordable. The credit repair services fee is just $69.99 per month for all the services provided by the company. Still, the provider lacks a satisfactory money-back guarantee.
- Affordable pricing plan
- Promises quick results
- Efficient credit restoration plans
- Bad BBB rating
10. Landmark Credit Repair Review
- Rating: 7.5
- Perks: quick turnaround, consultancy service
- Customer support: fairly efficient
- BBB rating: not rated or accredited
- Setup fees: unclear
- Monthly price: unclear
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.
- Offers debt settlement guidance
- Promises quick credit building solutions
- Has a satisfaction guarantee
- Costs not mentioned on site
How We Rank the Top Credit Repair Services
Our Ranking Methodology
Our ranking methodology is based on a series of criteria that have proven to be effective when evaluating credit repair companies. Here’s how we found the market’s very best:
No company is perfect, we get that. However, exceptional firms make it a habit of maintaining and improving their reputation over the long-term. Therefore, it’s extremely important for legitimate credit repair companies to offer real results while complying with local laws. Companies that are involved in lawsuits, scam accusations, or other types of scandals are generally not worth trying.
Licenses and Accreditation
According to US laws, credit repair companies must be registered and licensed. Furthermore, compliance with the Credit Repair Organizations Act is required to legally operate in this market.
Speed and Results
We believe that companies in this sector should strive to offer fast credit repair services. Indeed, the length of the process varies based on multiple factors. Yet, consistent results must be achieved within reasonable turnaround times. Thus, speed is also taken into account when ranking providers.
Credit firms should be able to handle monetary disputes, bankruptcy procedures, settlements, repossession, collections, and identity theft. Likewise, they must clearly specify which services they provide and the expected results. Yet, the question remains “do credit repair companies work?”
Well, credit repair is a delicate, time-consuming, and intricate task. Therefore, it is our belief that the very best services are offered by companies that have adopted an all-inclusive approach — hence why those brands ranked higher on our list. Also, providers that deliver additional consulting services were given preference.
There’s a common misconception that cheap services are low quality, whereas the more expensive ones are seen as top-tier; oftentimes, this isn’t the case. That is why we look for credit repair solutions for every budget to get a better understanding of market dynamics. As such, we do not judge the more affordable credit repair firms, so as long as their results are in line with the more expensive offers.
During our research, we witnessed a huge disparity in the promptness and professionalism of customer support teams of best credit repair companies. Positive results can only be achieved by companies that truly understand the particularities of their clients’ cases.
Thus, we have given ranking priority to firms that have dedicated advisors, who are easily contactable throughout the day. Namely, these customer service experts should be eager to engage in in-depth conversations with customers regarding their credit scores.
Choosing the Best Credit Repair Services
To know which credit repair company to pick, we must first gain a better understanding of how the whole credit system works.
Understanding the Credit Score System
In essence, credit scoring is an analysis carried out by financial institutions, such as lenders, to determine a person’s likelihood of paying back their debt. There’s no best way to fix credit, as each debtor has its own credit particularities.
The scores are actively influenced by the types of credit taken, the length of credit, the current debt amount, repayment history, and delays. There are multiple credit score systems being used at the moment, such as FICO and VantageScore.
Overall, an excellent credit score is essential when it comes to securing a loan. On the other hand, a bad credit score either leads to horrible interest rates or the inability to secure loans.
Fixing Your Credit Score
So, how do I fix my credit score?
This can be achieved either by carrying out a thorough analysis of your current spending habits, debt, and transactions or by hiring a professional to do this on your behalf.
The main advantage of hiring a credit repair company is that they have an in-depth understanding of how the credit system works. As such, they can implement relevant strategies, such as disputing transactions or negotiating with creditors, as described in our credit repair companies reviews.
When choosing a credit repair company, it’s important to look for a company that operates locally and fits your budget. It’s also best to choose a well-reputed firm with a solid track record.
The process is pretty straightforward. The firm will first create a credit monitoring account. A consultant will then contact you to determine your goals and the particularities of your case. The best credit repair companies will have a lengthy discussion concerning your current credit score, what’s damaging it, and what the credit fixing process entails.
What to Expect
Before choosing a credit repair company, know that the entire process takes time. By all means, do expect short-term results, but be aware that credit fixing is a lengthy process.
In addition, your credit report may be edited — this includes, but is not limited to, late payments, chargebacks, and collections. Likewise, during the credit fixing process, even the best credit repair service may require you to do some legwork, such as providing relevant information concerning your balance and accounts.
Lastly, remember that most services entail paying a setup fee, alongside a monthly fee; consider this aspect while creating your budget.
Bad credit scores are not the end of the world. Thanks to the outstanding ingenuity, dedication, and hard work of good credit repair companies, you can put all that behind you.
Indeed, the process cannot guarantee a perfect credit score, nor can it promise results in a relatively short time-frame. Yet, it can help you in the long run.
Overall, with a low credit score, you will be unable to secure college loans, mortgages, or even private loans. Hence, the benefits of hiring some of these best credit repair companies, significantly outweigh the costs.
Who is the best credit repair company?
The answer to this question will vary from person to person. Yet, according to our own estimates, the number one credit repair company is — Credit Saint.
Nevertheless, users must carry out their own due diligence and use our top 10 list to choose a company that’s willing to fulfill their specific credit repair needs.
Is there a legitimate credit repair company?
Yes — there are multiple legitimate providers of credit repair services. Such companies are registered and licensed by state governing authorities and have a solid track record of positive results.
Is hiring a credit repair company worth it?
This mostly depends on your current credit score and your future goals. Oftentimes, a person’s credit score can be grown organically with smarter spending habits. However, very low credit scores may require the expertise of a credit repair company.
Can credit repair hurt your credit?
Generally, credit repair works by disputing unlawful transactions and events that affect your credit score. Despite being technically possible, most credit repair companies have never ended up hurting their customers’ initial credit scores. The reason being, they use only proven practices that ensure positive results; for instance, disputing transactions or negotiating with creditors on your behalf.
As such, rest assured that the best credit repair companies will most certainly improve your credit score.