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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.
Monday, May 23rd
In business since 1989, Sky Blue Credit is our year-after-year winner for credit repair services. This company promises to make the process "a happy and satisfying experience" . Judging from their customer feedback, they do.
Find out what your next step should be
Take advantage of Sky Blue's free consultation. They'll ask questions to learn more about your financial situation, and they'll make a recommendation about what your best next steps should be - even if it means that you don't sign up for their services.
All-inclusive monthly pricing
If you do choose to get your credit repair here, you can expect simple, affordable pricing: $79/month for individuals and $119/month for couples, with a setup fee equal to one month's service. Everything is included in your plan:
Fantastic refund policy
Sky Blue's guarantee is unparalleled in the credit repair industry: "if you are not satisfied, just tell us why and we will refund your money" . You've got 90 days from your date of enrollment to request that refund, which won't exceed what you've paid over that timeframe (of course). Good luck finding any other provider who will give you all of your money back, hassle-free. You can also pause and restart your credit repair plan as needed, with no penalty or service fees attached.
BBB says A+
As you'd expect from a top-ranked credit repair company, Sky Blue Credit has an "A+" from the Better Business Bureau, and there were only 10 complaints filed there over the three years prior to our evaluation. That alone is impressive.
Clients love the results and service
Across the board, Sky Blue clients are thrilled with the service they receive: their credit scores go up, they get ample coaching and answers to their questions, and the overall customer service experience is first-rate. We also appreciate how many people said that Sky Blue reps were upfront with them when they didn't think their credit repair service was the appropriate next step, rather than pushing them into paying for a plan that wasn't needed - or might make things worse.
#1 in credit repair
Credit repair can feel like a scary prospect - but it doesn't have to be. Sky Blue Credit will take you by the hand (figuratively speaking) and lead you step-by-step through the process, advocating for you with the credit bureaus and directly with creditors until you've seen the improvements you want in your credit report. With straightforward and affordable pricing, world-class customer service, and a fantastic reputation, Sky Blue Credit remains at the top of our list among credit repair providers.
Credit Firm has been around for a long time - over 25 years, actually. They may not be the biggest name in credit repair, but they're one of just a handful of providers to earn an "A-" rating or higher from the Better Business Bureau. Even more impressive is the fact that this company has only received three complaints there in as many years.
Under $50/month for unlimited credit repair
This is an extremely straightforward and affordable credit repair service. No matter what type of help you need, you'll pay a flat monthly fee of $49.99 as an individual or $89.99 as a couple. What will you get for the money? Your service includes a legal in-depth credit audit, the ability to cancel anytime with no penalty, plus unlimited credit bureau challenges, procedural compliance verifications, inquiry challenges, personal info variation challenges, goodwill interventions, debt validation, and escalated info requests.
The data shows that it works
Many credit repair services say they do a good job, but Credit Firm takes it a step further and proves it. You can see a ticker on their Results page showing deletions and repairs finished recently, like a deleted foreclosure from CitiMortgage or a late payment repair with Capital One. They average 9.7 removals per client after three months of service, and 30.1 one removals after a full year.
No setup costs
You won't find a satisfaction guarantee here. But is it really necessary when you're paying such a low monthly rate and you can cancel at any time? You also won't have any initial fees, which is what most of Credit Firm's rivals offer to refund if their clients are unhappy. Might as well skip that step and get to work, right?
Positive reputation with clients
And if what we read from a few dozen Credit Firm clients is any indication, you should have a great experience using this credit repair company. They don't have as many reviews as some of their competitors, but almost everyone comes out with a greatly improved credit report after working with Credit Firm.
Affordable, simple, effective credit repair
What else can we say? If you like the thought of having simple pricing for a reliable credit repair service, Credit Firm should be at or near the top of your list. Their services are effective, clients are satisfied, and there are very few complaints about how this company operates. Schedule your free consultation and see what you can accomplish with Credit Firm on your side.
The Credit People is the credit repair provider that has made the biggest jump in our ratings over the years. The company has done a lot to improve their service, offer better support, and deliver greater results. That's what we like to see.
60 days or less to see improvements
The Credit People invites you to give them a call for a free consultation, or to ask for tips on your current financial situation, no strings attached. Once you've signed up, you'll get a welcome email and phone call, plus information on how to log on to your personalized online account. That's where you'll keep track of the progress made on your credit repair. The Credit People say you should see improvements in 60 days or less. As long as you're a member of their program, their team will be working behind the scenes to dispute any inaccurate, incomplete or unverifiable items on your credit report, removing late payment entries, closed accounts, liens, and much more.
Options for month-to-month or one-time payment
When you get started with The Credit People, you'll pay an initial fee of $19. From there, you'll pay a flat-rate fee of $79 per month, and you can cancel at any time. Or, if you'd like to make a one-time payment of $419, you'll have access to all of The Credit People's repair services for six months.
Improvement by the numbers
This is one of a small number of credit repair services that posts statistics reflecting their results. Though your results may vary, of course, they say that most clients see an increase of 53-187 points on their credit score. Over 70% of clients are approved for auto loans, home loans, refinancing and new credit after having their credit repaired here.
BBB rating doesn't match company's performance
We're a little confused by the Better Business Bureau's rating for The Credit People. There were only 12 complaints filed there in the last three years and 11 additional reviews, and yet the BBB gave the service a "C+" rating for "concerns about the industry" as a whole. We found appropriate, thoughtful responses to every complaint on the BBB's site, taking the time to thoroughly explain how their service works (and how clients' financial choices while using the service impacted their score, outside of The Credit People's control and influence).
Stellar satisfaction guarantee
Another reason that The Credit People is far better than the BBB rating might suggest is their "unbeatable satisfaction guarantee" . If you're on a monthly plan, you can cancel at any time and not be charged for that month's service. Or, if you've paid upfront for six months of help, you've got a full six-month satisfaction guarantee.
A credit repair service that delivers
By the looks of things, this credit repair service is doing a fantastic job. We found hundreds of clients who worked step-by-step with an expert from The Credit People and got results. Some comments came from customers who had previously used a much more expensive company (who you might happen to see in our other reviews) and had gotten little to no progress there - and who were thrilled to see how much their credit report improved after a short time with this service. We're pleased to give The Credit People a significant bump in our rankings and recommend giving them a try for effective credit repair.
Ovation Credit has been in business for about 20 years and was acquired by LendingTree in 2018. Their team is here to help you improve your credit and correct any errors on your report. Across more than one million Ovation clients, this credit repair service sees an average of 19 improvements per customer.
DIY credit repair for $79/month
You can get a free consultation before deciding which Ovation plan is right for your needs. You'll pay an $89 first work fee no matter which one you ultimately select between Essentials and Essentials Plus. The first package is $79/month and is more of a do-it-yourself-with-guidance approach. Your Ovation team will help you understand the dispute process and recommend the steps you can take to dispute every item on your credit report that you think is unverifiable, incomplete, misleading or inaccurate. There's no credit monitoring provided with this package.
$109/month for full-service plan
If you want someone to do the work for you, the Essentials Plus is your best option here. Their team will send unlimited validation dispute letters, goodwill letters, and recommendation letters as needed to repair your credit and help you obtain credit in the future. This plan also includes TransUnion credit monitoring. You'll pay $109/month for Essentials Plus.
No-risk refund policy
Ovation offers a no-risk refund policy. No credit repair company can legally guarantee specific results, but Ovation promises that if they fail to provide agreed-upon services in any month, they won't charge you for that timeframe. They don't go into specifics on how you'd determine if they were or weren't working, but at least you know they'll give you a break if there's an interruption of the service.
A+ and accreditation from the BBB
With respect to reputation, Ovation has done the seemingly impossible: an "A+" rating and accreditation from the Better Business Bureau, where most of their rivals struggle to get above a "C" . There have been fewer than 100 complaints logged there in the last three years, but they've all been handled appropriately. We also found lots of four- and five-star reviews from Ovation clients who said their credit report improved while using this service, and who praised their support team for being easy to reach and a breeze to work with.
Slight drop in rankings
While we can still wholeheartedly recommend Ovation as a reputable source of credit repair services, we've dropped them slightly in our rankings. They've got several noteworthy rivals who offer more for the money: $79 for DIY credit repair isn't as competitively-priced now as it was several years ago, and for that monthly payment (or less) you'll find companies who will take care of it for you.
Still a good option for credit repair
We still give Ovation lots of credit (see what we did there?) for having a flawless record with the Better Business Bureau and for providing credit repair that clients can trust. The only caveat is that your money might go farther with some of the other services in our evaluation, so be sure to shop around a little before choosing Ovation as your top pick.
Credit Saint takes a two-pronged approach to credit repair: not only will they work to identify what items in your credit history are damaging your score (and then target them for challenge, dispute, and/or removal), but they'll also look at the positive aspects of your credit and coach you on how to open/close credit and pay bills to maximize your score.
3 credit repair plans
The service level you choose at Credit Saint depends on your personal situation. Here are the three options:
A little more info, please
We would like to see Credit Saint make a few things a little more obvious. First, it wasn't until we went into the Get Started section (where you can request your consultation online, if you'd prefer not to make a phone call) that we learned that they offer a "no first work fee" when you sign up a family member for credit repair. We also couldn't find any statistics about how many deletions and challenges they've entered over the years. At least you can count on Credit Saint's guarantee: you've got 90 days to see if they are successful at deleting any questionable items from your credit, and they'll give you a refund if not (subject to a few extra terms and conditions).
Strong rating from the BBB
It's pretty rare for a credit repair service to be both "A" rated and accredited by the Better Business Bureau, but Credit Saint has earned that distinction. There were nearly 60 complaints logged at the BBB in the last three years, but that "A" rating means that you can trust this company to handle concerns professionally and appropriately.
Good client feedback
We also found a decent number of reviews elsewhere from Credit Saint clients who are very happy with the results of their credit repair services. Most of them referred to the initial consultation and start-up process, though, and not much was said about the effectiveness and end results. Then again, "no news is good news" : if people aren't returning in droves to complain about the service a few months later, we'll call it a win.
In the top five for credit repair
Credit Saint makes our top five among credit repair services, if for no other reason than the fact that they have such a good reputation with the Better Business Bureau in an extremely tough industry. Your monthly prices will be reasonable here, and Credit Saint's guarantee should make it risk-free to get some improvements to your credit score in the first three months.
MSI Credit was founded in 2006 and has received several Angie's List Super Service Awards for excellence in credit repair and consulting. Their services are available nationwide, with the exceptions of Georgia, Kansas, Louisiana, South Carolina, and Vermont.
Get your credit report first
You can enter your information to request your free consultation, or you can call MSI directly. They're going to go over your credit report with you; if you don't already have yours, there's a link you can click to get it. Just be careful: when we went to the third-party service that MSI Credit recommended, we noticed that it had a $1 7-day trial and then an automatic $30.99/month charge. You don't want to be caught off guard by that.
Straightforward pricing for individuals and couples
We appreciate the simplicity in pricing here. You'll pay $98/month as an individual or $138 as a couple. Your initial setup fee is equal to one month of service. What will you get for your money? Unlimited disputes to the three major credit agencies, debt validation/cease and desist letters, one-on-one consultations with a credit expert, plus additional support and coaching.
Limited refund policy
You've got a guarantee if you choose to work with MSI: if you fulfill your end of the bargain (as spelled out in your service agreement) and yet you don't get a negative or derogatory item removed from each of the three credit bureaus, they'll refund your initial service fees. That's not the most stellar refund policy out there - you have to be a client for at least 6 months, and initial service fees are only about a month's worth of those - but it's better than nothing.
Not many complaints
MSI Credit is one of many credit repair providers we evaluated with a low rating from the BBB ("C+" , in this case). It's pretty tough for businesses in this space to rank well, and MSI Credit is no different. Fortunately, they only had eight complaints filed with the BBB in the three years prior to this evaluation: hardly a pattern of dishonesty or poor service.
Client satisfaction is high
Customer feedback for this credit repair service is encouraging. Over 90% of MSI Credit's clients give them a 4- or 5-star rating. It was good to see satisfied customers who even named specific team members for offering excellent service, not to mention the corresponding improvement in their credit reports. Sure, there were a few complaints from people who didn't think they got a good value from their monthly credit repair service here, but the vast majority are glad they chose MSI.
Trustworthy credit repair
MSI earns a better-than-average rating from us. We think their refund policy could be a little more generous, and some credit repair services can offer you the same benefits at a lower monthly price. However, because MSI is doing a good job of helping people improve their credit reports and has a solid reputation overall, we have no concerns about recommending their services.
As a fintech firm that helps clients avoid credit-oriented mistakes, The Credit Pros want to get you on solid financial ground - for the first time ever or once again, depending on your circumstances. As with most credit repair companies, you'll get a free initial consultation here. Schedule it directly through the website (in English or en espanol) and you'll get a phone call at the time you designate.
First level of service isn't worth the money
You'll have three plans to choose from at The Credit Pros. Surprisingly, the first tier (Money Management) doesn't come with anything we'd label as "credit repair" . For $69/month, you'll get your credit report from one bureau, ID Cover dark web monitoring, alerts from TransUnion, bill reminders and a budgeting system. Honestly, we'd recommend skipping this plan, because that's a lot to pay for services that are pretty much free and you can easily manage on your own.
Middle-tier service offers standard credit repair tools
For $119/month, The Credit Pros' Prosperity plan starts to dive into more traditional credit repair services. You'll get credit bureau challenges, creditor interventions, cease and desist letters, and a letter of reference (that they don't really explain what it is or why you would need it).
Top plan includes a credit-building loan
Finally, the Success Plus plan will cost you $149/month. The big differences over the other two plans are three-bureau reports and scores and a credit builder loan to help you improve your scores, with payments reported to all three bureaus.
Unimpressive 90-day guarantee
You've got a somewhat limited 90-day guarantee with The Credit Pros. If they don't get any questionable items deleted or updated on your credit report, you can get a full refund. Of course, it's genuinely not that hard to get a single change made in three months - and you should be beyond disappointed if any credit repair service can't do more than that in 90 days.
How do The Credit Pros perform when it comes to client feedback? The Better Business Bureau gives the company a solid "A-" rating, which can be hard to come by in the credit repair industry overall. Over the three years leading up to our evaluation, there were just over 60 complaints registered with the BBB - but, at least the last time we checked, the details of those complaints weren't on display there. The good news is that, both on the BBB site and in other places, there are plenty of positive reviews for The Credit Pros: at least 200 people gave the service a five-star rating, citing big improvements to their credit scores in just the first month alone. Clients describe reps as helpful and patient, and generally think that this credit repair service is worth the money.
Reliable but overpriced
Overall we give The Credit Pros a solid rating. We're not totally convinced that their lowest tier of service is worth what they're charging, but the two plans that actually jump into credit repair services seem to do the job. Compare your options here with a few of The Credit Pros' higher-ranked rivals and then you'll be in a great position to choose the best service for your needs and budget.
Lexington Law was founded in 2004, with the goal of revolutionizing the credit repair industry. Since that time, the company has represented nearly nine million clients in more than 70 million removals and over 22.3 million challenges and disputes on credit reports. They take advantage of what they call "digital partnerships" to reduce usage of the mail system, which translates into faster results for you: nearly 90% of their clients who have a score improvement see it go up 40 points, on average.
Pay attention to consultation vs. signing up
You can call Lexington Law for a free credit report consultation, which includes your credit score, credit report summary, and a credit repair recommendation. You can do this online as well, but watch for the difference between the consultation and the signup form: the latter encourages you to "get started today for only $4.99" . It also asks if you'd like to sign up with a family member or other household member to get a 50% discount on your first work fees. (It's worth pointing out that we had to use three different email addresses before we landed on one that Lexington Law didn't reject as "invalid." ) Those first work fees are usually the equivalent of a month of service, depending on which tier you choose.
Choose from 3 credit repair plans
Lexington Law gives you three service levels to consider for your credit repair needs:
Hundreds of complaints filed with the BBB
The Better Business Bureau gives Lexington Law a "C-" grade, citing no reason other than "concerns about the industry" in general. That's not usually enough for us to downrank a credit repair service. In this case, however, there were over 700 complaints with the BBB in the three years prior to our evaluation. They all received a response from Lexington Law reps, and many of them reflect the clients' lack of understanding of the service itself and what they were committing to at the time of sign-up.
Mixed feedback from clients
Aside from the BBB listing, feedback for Lexington Law runs hot and cold. You'll find clients with lots to say, some very enthusiastic and positive and others much less so. We found about 400 five-star reviews and just 50 one-star ratings - but many of the unhappy comments were more recent, while a majority of the satisfied reviews were older. We also saw references to cancellation fees in client comments but didn't spot those terms anywhere on the Lexington Law site - so you'll want to read the fine print carefully before signing up here.
Look at lower-priced options first
If you decide to put your credit repair in the hands of Lexington Law, you could come away very happy with the process. But, from where we sit, we think it's safe to say that there are comparable services that can do the same work for less money, and with stronger guarantees of your satisfaction with the service. Lexington Law isn't a terrible choice for credit repair, but you'll want to take a look at the competition first.
Credit Repair has been around for over 10 years. In that time, they proudly proclaim that they helped over 850,000 clients, with more than 8 million removals and 26 million challenges and disputes. According to their data, the average Credit Repair customer sees a 40-point increase in their credit score within the first six months.
Prices aren't obvious
Credit Repair offers "a service for all budgets" . Their least expensive option is Basic; it's what they recommend for anyone who has just a few negative items to get removed from their credit report. Moderate is the mid-range tier, and Aggressive is, well, for anyone with a lot of items to address. However, Credit Repair doesn't take the next obvious step and tell you what those levels will cost. You'll have to do their free online evaluation first: with a soft pull on your credit (that won't impact your score), you'll get your score, a summary of all negative items, and a recommended credit solution. And that's when they'll tell you what your particular solution will cost.
You'll pay about $100/month or more
It felt unnecessarily complicated to have to dig way into Credit Repair's blog to find their pricing. Why not just come out and say it, like your rivals do? If the article we found is accurate to current pricing, you'll pay $69.95 for the basic (also labeled as Direct) plan, $99.95 for standard, and $119.95 for advanced. Those are all monthly fees, plus a "first-work fee" equivalent to a one-month payment.
Doesn't spell out the benefits
What will you get? All packages come with bureau challenges, inquiry assists, goodwill intervention, and credit score updates (quarterly on direct/basic and standard, monthly on advanced plans). Your extra $30/month on standard plans only gets you a FICO Score Inquiry Assist service, for you to dispute unfair or inaccurate inquiries on your account. And advanced? That will come with "more" challenges, creditor interventions, and cease/desist interventions - but since they never specify how many of those you get with the other two plans, it's hard to tell if it's worth it to get "more" .
Lackluster BBB rating
It's never a good thing when a company has a bad rating from the Better Business Bureau. Unfortunately, Credit Repair has a "D" there: an improvement over the "F" they used to have, but still nothing that's going to leave you impressed. Then again, there were only 85 complaints filed there over the last three years, and several of those were from clients who didn't take the time to read the fine print of what they signed up for. Credit Repair representatives appear to be taking the time to respond appropriately, regardless of the reason for the complaints.
Some clients say yes, some say no
Still, customer feedback overall here is a mixed bag. You've got the people who went to the BBB to register their complaints, and yet there are over 400 individuals who gave Credit Repair a perfect five-star rating. You can see some of those positive comments if you visit this company's social media pages (if you're willing to sift through the spammy crypto reviews that no one at Credit Repair seems to be in a hurry to delete).
Actively helpful on social media channels
Speaking of social media, we were glad to see this company actually taking the time to post helpful things on a regular basis. Some of their rivals give the impression of having abandoned their IG or FB pages, but we were able to learn more about building credit, discover new financial blogs to follow, and watch a video about credit in posts as recent as the day before this evaluation.
Still room for improvement
Overall, we think that Credit Repair is on the right track but that they still have a long way to go before we'd trust them with our financial well-being. This service would benefit from offering more transparency, particularly with pricing, and we'd like to see many more positive client reviews by the time of our next evaluation - not to mention a higher rating from the Better Business Bureau. In the meanwhile, check out the higher-ranked credit repair services we researched.
Pyramid Credit Repair got its start in 2011 with DIY credit repair software, expanding in 2013 to provide more hands-on help to consumers. However, we have questions about their reliability in the industry.
No-cost initial consultation
Like most credit repair companies, Pyramid offers a free initial assessment. Call to schedule an appointment to talk about your situation and see if any of their services can help you reach your financial goals.
There are only two plans to choose from here: $119/month for individuals and $198 for couples. Unlike some credit repair services, Pyramid doesn't assess an enrollment or setup fee. Also, this company offers discounts ranging from 15-20% if you're a teacher, veteran, or active duty military. They say you can expect to start seeing results on your credit report within 45 days. If Pyramid isn't able to update anything on your credit report - correcting an error, removing unverifiable entries - within the first 90 days of your plan, you'll get a full refund of any fees paid thus far.
Could be more specific
Pyramid Credit Repair is pretty tight-lipped as to how, exactly, they go about improving your credit report. They say they'll give you a "customized game-plan" but don't get into the specifics. Do they just dispute items or do they try to negotiate adjustments? Good question.
Gone quiet on social media
An even better question: is Pyramid still in business? Maybe. We couldn't find a listing for Pyramid Credit Repair with the Better Business Bureau - the same as the last time we evaluated this service. All of their social media channels had no updates after late 2020/early 2021, other than announcing a new pricing schedule in early 2022. And yet, they're still answering the phones, so something is still happening here.
Where are the current reviews?
We could say the same for Pyramid's client feedback - or lack thereof. At first, we were excited to see that this credit repair company had at least 80 five-star reviews... until we saw that the most recent was back in 2019. Reviews on Facebook were newer - but unfortunately, they were all spam and encouraged us to contact a different company if we were interested in investing in crypto. Not exactly the first step you'd take to repair your credit, by the way.
A virtual office location?
Won't push you to hire them
The one positive thing we can say about Pyramid Credit Repair is that among the comments from clients in 2019, it said repeatedly that they were told upfront if the service wasn't going to be right for them - that they weren't pressured into signing up for a program that wasn't in their best interests. At least there's that.
Not a credit repair service we'd choose
We have a hard time coming up with a reason why someone would choose Pyramid Credit Repair over a higher-rated service. Getting your credit fixed is important, and you need to know exactly what you're paying for and how your team will go to work for you - but you'll get none of that here.
At Credit Repair Consultants, their goal is to use every available legal method to help you get the best possible credit. Their services work to remove anything that negatively impacts your score.
Set up your free consultation
If you'd like a free credit audit, click on the button and fill out the contact form. You'll be asked for your name and email address, your credit goals (buy a home, get better interest rates, become debt-free), as well as any other desired outcomes like raising your credit score or consolidating debts. A member of the Credit Repair Consultants' team will reach out to get you started. He or she will look into your credit score and help you understand it, as well as determine if your credit profile is getting in the way of your future abilities to secure loans at a competitive rate (or at all).
Choose among 3 plans
Credit Repair Consultants offers three plans to choose from:
Satisfaction guarantee - with limitations
This credit repair service comes with some guarantees and refund policies, but you need to understand the terms. First, if CRC isn't able to remove any negative items from your credit report in the first 120 days of being a client, they'll refund your application enrollment/setup fee (minus the $45 they paid to order your reports in the first place). Also. after you've been a client for 12 months, you can request an evaluation of your account: if the total you've paid is more than what they've helped to improve or delete (at a rate of $60 for every "success" ), they'll refund the difference. Finally, if anything removed or deleted mistakenly reappears on your credit file within a year from the removal/deletion date, Credit Repair Consultants will reinvestigate and get it removed at no extra charge.
Not enough recent, positive feedback from clients
While we were glad to see that Credit Repair Consultants have made a lot of needed upgrades to their website since our last evaluation, we were disappointed not to find a corresponding upswing in their reputation. This provider's rating with the Better Business Bureau has totally fallen off the radar, landing on "Not Rated" due to insufficient information. When we went to check out "all of the positive reviews" on their Facebook page, it turned out that almost all of them were from people posting crypto spam and not actually reviewing CRC. Most of the seemingly valid reviews there and elsewhere were years out of date. Even their blog's "recent posts" were all over a year old. We also read a handful of negative reviews from that same timeframe, from clients who said that communication was lacking and they felt that the service was a waste of time and money.
Not the best option for credit repair
It's possible that Credit Repair Consultants delivers a solid credit repair experience - but there's just not enough client feedback to prove it. Even the BBB seems to think that this service is a mystery, and we're not thrilled that the comments we dug up were primarily unrelated spam and complaints. You've got far more reliable options for credit repair, and we invite you to consider the higher-ranked credit repair providers in our review.
Credit Monkey has been in business since 2019, making them one of the "youngest" credit repair services in our evaluation. They serve clients in 49 states (Pennsylvania is excluded) and offer a free 15-minute consultation.
Multiple credit repair packages
There are several tiers of service available through Credit Monkey. The lowest-priced package is $99/month. This package includes disputes on up to five negative items each month, plus $1 million in identity theft fraud insurance and identity theft alerts. $159/month gets you up to 10 negative items disputed. At the $199/month level, you'll also get monitoring of up to five credit cards (to help you not make late payments) and resolution of credit report inquiries. The three packages priced at $299, $399, and $499 per month start going into public records, tax liens, and so forth; the latter two subscriptions also come with a credit line of $5,000 and $10,000, respectively. Credit Monkey doesn't go into any detail as to what any of those services do, how they work, or why you'd want those credit lines.
90-day risk-free guarantee... sort of
In theory, you've got a "glorious" (their wording, not ours) 90-day, risk-free guarantee here. After you've been enrolled for six months, you can request a refund if Credit Monkey hasn't removed "3 or less" items within the first three cycles of disputes. Does that mean it counts if they only remove one? It seems like they ought to give you a refund if they haven't removed at least three negative items.
Not concerned with BBB rating
Because Credit Monkey is so new on the market, there's not as much feedback from clients to consider. The company has a "C" rating from the Better Business Bureau, but that's only because of one complaint that didn't get a response. We're not overly concerned, because there were only four complaints filed over the last year, in contrast with almost two dozen positive reviews also posted to the BBB's listing.
What did get us concerned was looking at the patterns in the positive reviews for Credit Monkey, not just on the BBB site but elsewhere. When we checked out not just the reviews but the individuals leaving them, almost every single time those people had left positive reviews for one or two other businesses - and those businesses were the same (Credit Monkey and "Joe's Video Games" ). That's usually a red flag indicating that the reviews aren't legitimate - that people are being paid to leave the reviews, and that most of those reviewer profiles are fake too.
The deeper we looked into Credit Monkey, the sketchier things got. Look at their Facebook page: you'll see promos from Brett Favre, Snoop Dogg, and a few other celebrities - but they never mention the name of the service, and they all read from some script that references a 15-minute phone consultation. It feels like someone paid for a Cameo from each of them and then used it for their advertising.
Red flags everywhere
Then we found tons of typos on Credit Monkey's posts - and even on their website. Beyond that, when we went to the "Meet Our Team" page, there was absolutely zero information about the people behind the service: no CEO, no "credit repair specialists" , nothing. Oh, and then there was this little gem, which should tell you a lot about how this business operates: "we have coached hundreds more on how to attract more clients and drive revenue and profits into their credit repair business" . So that's how it is!
Not a company you can trust
We have no confidence whatsoever that Credit Monkey is a reputable credit repair service. It looks like most of their positive reviews are fake, legit clients say that they got no improvement to their credit history when using this company, and even their advertising is suspect. We can't recommend strongly enough that you stay away from Credit Monkey when considering credit repair options.
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!
If your credit score needs some professional help here's how to search for a quality credit repair company.
Start at the Computer
Searching online for a credit repair company provides many benefits in finding and choosing the right service provider for you and here's why:
Look for These Characteristics
When searching for the best credit repair company look for the following characteristics in a quality company before making your selection:
Select any 2 Credit Repair Companies to compare them head to head
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