Our reviewers evaluate products and services based on unbiased research. Top Consumer Reviews may earn money when you click on a link. Learn more about our process.
Thursday, February 9th
Sky Blue Credit has dominated the credit repair industry for over three decades. Their all-inclusive pricing for individuals and couples gives you access to faster disputes, unlimited removals and challenges, and excellent coaching from their phenomenal team of experts. This is the only provider in our review to offer a no-questions-asked 90-day satisfaction guarantee and refund policy, but clients are so happy with this service that you probably won't need it. "A+" rated by the BBB and praised by thousands of happy customers, Sky Blue Credit should be the first place you turn for credit repair.
Ovation partners with LendingTree to offer two types of credit repair: DIY and full service. This is the only provider we know of that received a perfect "A+" and accreditation from the Better Business Bureau, and most clients give Ovation an equally flawless five-star rating. We've dropped Ovation slightly in our rankings because you may get more for your money with a few other companies, but this is still a great choice overall for reliable credit repair.
Americans have finally started to understand the importance of a good credit score: from 2011 to 2021, the nationwide average increased from 689 to 714! Anything over 700 is considered to be "good" and can be the key to opening doors financially - everything from renting an apartment to securing an auto loan or mortgage may rest on your credit report.
Unfortunately, not everyone understands what goes into a positive credit history. Late payments, applying for multiple credit cards in a short period of time, or even problems with mistaken identity can all lead to a less-than-excellent credit profile. Some people get lured in by the promises of low monthly payments or 0% APR credit cards, only to find themselves drowning in debt.
That's where credit repair services enter the picture. These providers work to dispute items on your credit report that might be inaccurate, unverifiable, or erroneous. Depending on which company you choose, the service might also include cease and desist letters, goodwill letters to help you qualify for credit in the future, credit monitoring to keep you on track, and one-on-one coaching.
You shouldn't expect miraculous, rapid increases in your credit score - most credit repair processes result in a modest increase of about 40 points, though some may bring you up by 100 points or more - but it could be what makes the difference for your financial goals and credit needs.
As you start to explore the possibility of credit repair, you'll soon see that there are many providers hoping to gain your business as a client. Which one is the best for you? Here are a few things to keep in mind as you decide:
To help you get your finances back on track, TopConsumerReviews.com has evaluated and ranked the most popular credit repair services available today. We're confident that this information will give you everything you need to choose the right partner in your journey towards a fantastic credit report!
Select any 2 Credit Repair Companies to compare them head to head