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      December 15, 2019

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Repair Companies

  1. Ovation Credit Services
  2. Credit Firm
  3. Credit Saint
  4. MSI Credit Solutions
  5. The Credit Pros
  6. Lexington Law
  7. The Credit People
  8. Credit Repair
  9. Credit Assist Network
  10. Pyramid Credit Repair
  11. E Credit Attorney
  12. Credit Repair Consult
  13. Veracity Credit

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Sky Blue Credit

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Credit Firm

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E Credit Attorney

Credit Repair Consultants

Veracity Credit

 

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Best Credit Repair

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.

Continue reading below reviews

Best Reviews


2019

Credit Repair Reviews

5 stars
Sky Blue Credit

SKY BLUE CREDITTopConsumerReviews.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.

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4.5 stars
Ovation Credit Services

OVATION CREDIT SERVICES

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.

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4 stars
Credit Firm

CREDIT FIRM

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.

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4 stars
Credit Saint

CREDIT SAINT

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.

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3.5 stars
MSI Credit Solutions

MSI CREDIT SOLUTIONS

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.

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3.5 stars
The Credit Pros

THE CREDIT PROS

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.

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3 stars
Lexington Law

LEXINGTON LAW

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.

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2.5 stars
The Credit People

THE CREDIT PEOPLE

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.

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2 stars
Credit Repair

CREDIT REPAIR

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.

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1.5 stars
Credit Assistance Network

CREDIT ASSISTANCE NETWORK

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.

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1.5 stars
Pyramid Credit Repair

PYRAMID CREDIT REPAIR

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.

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1 star
E Credit Attorney

E CREDIT ATTORNEY

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.

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1 star
Credit Repair Consultants

CREDIT REPAIR CONSULTANTS

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.

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1 star
Veracity Credit

VERACITY CREDIT

Veracity says that the road to credit repair begins with them. But, unless you want to entrust your financial well-being to a company with an "F" grade at the BBB - and whose owners are currently in jail for tax evasion and bankruptcy fraud - you'll want to stay far away from Veracity.

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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!

Choosing a Credit Repair Company

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:

  • If you do your credit repair research online you avoid the annoying sales pitch from a pushy salesman that is most concerned about their next commission check.
  • Perform your research when it's most convenient for you, in the quiet of your home and without children playing or co-workers nearby.
  • The internet allows you to quickly identify the services of several credit repair companies at once. If you are looking for credit dispute offerings plus advice on how to improve your credit score long term you can easily identify what companies offer this level of service.
  • Knowing what several companies charge for their repair services provides you the knowledge to make an educated decision. Feel confident that you are improving your financial outlook and doing so while saving money over other providers.
  • The internet will allow you to read and educate yourself on the Fair Credit Reporting Act that governs credit agencies, promotes accuracy in reporting and regulates how negative information is reported and disputed.

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:

  • Make sure you identify a credit repair company with a solid reputation before considering it a worthy contender. Look for red flags like promises to wipe your credit clean with little effort, a request for a large payment upfront to cover costs, or discussions of creating a new identifier to fool the credit agencies.
  • Make sure you understand what you're signing up for. Will you be obligated to use the service for a specified period of time? Do they identify rules on how many disputes they will file in a specific period? Make sure you read the fine print and understand their policies before moving forward.
  • When you're working closely with your credit repair service you'll appreciate the convenience of companies that offer an online account for you to monitor the status of their efforts. Companies that require a lot of hand holding, phone calls, and emails are not going to be efficient.
  • You'll want credit repair company that puts the customer first. Companies that fail to return calls timely or are unprofessional on the phone are going to wear thin over time. Make sure you identify if your credit repair company of choice prioritizes the customer.

 

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