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The Best Credit Repair Companies

Who's the Best Credit Repair Company?

Most Americans know that a good credit score and credit history are important. That one number, your credit score, can determine your ability to get a loan for school or for a car, be approved as a tenant, or to qualify for a credit card.

Unfortunately, when your credit history is less than fantastic - because of making payments after the due date, having too many credit inquiries, or even having mistaken information associated with your identity - you'll have fewer options when you need to make a major purchase. You may even have to pay higher than average rates on your car insurance or your mortgage.

Tuesday, December 1st

2020 Credit Repair Company Reviews

Sky Blue Credit Review TopConsumerReviews.com Best-In-Class Blue Ribbon Award 5 Star Rating

Sky Blue Credit

5 Star Rating TopConsumerReviews.com Best-In-Class Blue Ribbon Award

For almost 30 years, Sky Blue Credit has been working hand-in-hand with clients to help them improve their credit history. Their rates are the lowest on the market while offering the same services as the highest-priced competitors, and their no-questions-asked, 90-day satisfaction guarantee is unrivaled. They hold an A+ rating with the BBB, and recent customer reviews show excellent service, significant improvements in credit scores, and affordable fees. Sky Blue should be at the top of your list for credit repair companies, and they earn our highest rating.

Ovation Credit Services Review 4.5 Star Rating

Ovation Credit Services

4.5 Star Rating

Very few credit repair services can compete with Ovation Credit Services' history and reputation: 40+ years, along with accreditation and an "A+" grade with the BBB. You can choose from a lower-priced, more DIY-style plan, or choose the upgraded package if you want Ovation to take charge of helping you improve your credit. Ovation Credit Services is a top-notch provider of credit repair programs.

Credit Firm Review 4 Star Rating

Credit Firm

4 Star Rating

Credit Firm offers a simple pricing structure of just $49/month for unlimited credit repair services, and they're one of the only companies to offer 24/7 office hours if you need to speak with a representative outside of the typical workday. Although their website isn't as slick as some of the competition, an A+ rating with the BBB and compliments from many satisfied clients make Credit Firm a provider to consider for your credit repair needs.

Credit Saint Review 4 Star Rating

Credit Saint

4 Star Rating

Credit Saint gives you three levels of service to choose from as you work on repairing your credit, depending on your needs. They have a great reputation as an accredited, "A+" rated business with the BBB, and customer reviews support that as well. Credit Saint is a trusted service for credit repair services.

MSI Credit Solutions Review 3.5 Star Rating

MSI Credit Solutions

3.5 Star Rating

MSI Credit Solutions is the only credit repair service we know that can give you top-notch credit repair services with a personalized, small-business feel. Their attention to their customers - satisfied and critical alike - is remarkable, and their monthly fees are comparable with other services. Your initial fees depend on your specific credit situation, but MSI will refund those fees if you don't get a minimum credit score improvement of at least 50 points. This is a company worth contacting for your credit repair journey.

The Credit Pros Review 3.5 Star Rating

The Credit Pros

3.5 Star Rating

The Credit Pros offer the typical suite of credit repair services, including letters to collection agencies and deletion of negative items from all 3 credit bureaus. You can choose between monthly and pay-for-results plans, but all of this provider's plans are more expensive when compared to the competition. Some customers say that the quality of the service drops sharply after signing on the dotted line, but an "A+" with the BBB means that you might still get some results.

Lexington Law Review 3 Star Rating

Lexington Law

3 Star Rating

Lexington Law has been the gold standard for credit repair for many years, starting in the early 90s and helping hundreds of thousands of clients to remove negative items from their credit reports. Their pricing is higher than many competitor services, and a lawsuit settlement in 2015 brought their BBB rating from an "A-" to Not Rated while they're under review.

The Credit People Review 2.5 Star Rating

The Credit People

2.5 Star Rating

The Credit People are based in Utah and have more than 100,000 customers in their nearly two decades of service in the credit repair industry. You'll find an "unbeatable satisfaction guarantee" and a month-to-month plan that allows you to cancel at any time. While we love their customer-centric, friendly approach to credit repair, their site - and their reputation with the BBB - could use some polishing up.

Credit Repair Review 2 Star Rating

Credit Repair

2 Star Rating

Credit Repair charges a simple monthly fee to work with you to create a plan to improve your credit history and to implement the changes you request. Their results look impressive: 7% of negative items deleted each month, for every month you pay for the service. But, Credit Repair failed to provide proof of those results to the BBB, earning them an "F" grade. We advise caution when choosing Credit Repair for your needs.

Credit Assistance Network Review 1.5 Star Rating

Credit Assistance Network

1.5 Star Rating

Credit Assistance Network has provided credit repair services for over a decade and have a "pay for results" plan that charges for every deletion made from your credit history, rather than a monthly fee. Those costs add up quickly, and for a company that only has a C+ with the Better Business Bureau and a very outdated website, you could spend a lot of money and get little in return.

Pyramid Credit Repair Review 1.5 Star Rating

Pyramid Credit Repair

1.5 Star Rating

Pyramid Credit Repair is one of the newest services in our review, getting its start in 2015. Their website doesn't do a good job of explaining what you can expect for the monthly service fees you pay, and their reputation is similarly vague. At this time, we do not recommend Pyramid for your credit repair plan.

E Credit Attorney Review 1 Star Rating

E Credit Attorney

1 Star Rating

eCreditAttorney sounds like an easy way to repair your credit for a no-frills, $29 per month fee. Unfortunately, this service doesn't seem to give you much for your money: both the BBB and former customers report that the company doesn't respond to emails or phone calls, leading to an "F" rating with the BBB. You should choose a credit repair service that is effective and reputable - and eCreditAttorney is neither.

Credit Repair Consultants Review 1 Star Rating

Credit Repair Consultants

1 Star Rating

Credit Repair Consultants has been in business for more than 15 years. But, with outdated information on their cluttered website, and no responses to inquiries by customers and the Better Business Bureau, this credit repair service can't compete with our higher-ranked providers.

Compare the Best Reviews

Continued from above...

Using a reputable credit repair company puts you back in control of your financial reputation. These services work on your behalf to reduce or eliminate any negative factors in your credit history, working directly with collection agencies, creditors, and even with the three primary credit bureaus. With the help of a credit repair company, you can improve your score and even put a stop to negative information being reported on your accounts. Most services take several months before you see measurable results on your credit report, so adjust your expectations accordingly.

With so many services advertised in the media and online, how can you tell if a credit repair company is reputable and effective? As you compare the various providers, here are several criteria to keep in mind:

  • Reputation. What do past and current users of the credit repair service have to say about the experience? Is the company accredited and/or rated by the Better Business Bureau?
  • Cost. What will you pay to fix your credit history? Should you expect a one-time fee or a monthly payment structure? How do the costs compare with other providers'?
  • Guarantee. Does the credit repair service guarantee that they will improve your credit score and/or history? Can you get a refund if you are unhappy with their service for any reason?

TopConsumerReviews.com has reviewed and ranked the best credit repair companies available today. We hope this information helps you find the right credit repair program that meets your needs and gets you on your way to an improved credit history!

The Best Credit Repair Companies Compare Credit Repair Companies Compare Credit Repair Company Reviews What are the best Credit Repair Companies Best Credit Repair Company Reviews

Credit Repair Company FAQ

Credit repair is just like it sounds: a process by which your credit history and score are improved. This happens through negotiations with creditors, removing negative information reported to credit bureaus, and other strategies.
That will depend on several factors: your state of residence, the type(s) of issues you're looking to resolve, and so on. Most credit repair services offer a free consultation, to determine if you're eligible for their help and which approach to take in your specific case.
Credit repair services typically charge a one-time setup fee and monthly service fees. One-time fees range from $19 to $195, and monthly fees from $29 to $159.95. You might get a discount if you sign up as a couple, or if you're a current or former member of the military.
Most of the actions taken on your behalf by a credit repair service can be done on your own. But, how much time do you have? Are you typically available to make calls during business hours? Hiring a credit repair provider can save you a significant amount of time and hassle. And, there's something to be said for letting the experts do the work, using their knowledge and connections to ensure that your credit repair process is done effectively.
The first step with any credit repair service will likely involve a thorough review of your credit report. Your representative will discuss your credit history in detail, help you identify actionable items, and give you a recommendation for which services are best suited to your needs. From there, credit repair providers work diligently to address the issues and resolve them, for as long as you maintain your subscription to their services.
Most services state that you'll see negative items removed from your credit history within the first 90 days. The amount of time it will take to see an improvement in your credit score will depend on your particular circumstances.
Sometimes. A few credit repair services guarantee that you'll see those deletions within the first three months, and you'll get a refund of any fees paid if that doesn't happen. Other providers actually specify a minimum credit score improvement. It's a good idea to know exactly what you'll get from the service you select, before you sign up as a member.
Credit repair is legitimate: working with a reputable service, you can absolutely see big changes in your credit report. On the other hand, there are companies that don't deliver what they promise. Be sure to check out the reputation of any credit repair service you're considering: customer feedback, number of years in business, and the service's BBB rating are all helpful indicators of a provider's trustworthiness.

Compare Credit Repair Companies

Select any 2 Credit Repair Companies to compare them head to head

best-credit-repair-companies
  • Sky Blue Credit
  • Ovation Credit Services
  • Credit Firm
  • Credit Saint
  • MSI Credit Solutions
  • The Credit Pros
  • Lexington Law
  • The Credit People
  • Credit Repair
  • Credit Assistance Network
  • Pyramid Credit Repair
  • E Credit Attorney
  • Credit Repair Consultants
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