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Best Credit Repair Companies

We compared 15 brands and chose the top credit repair companies

  • Best overall
    Sky Blue Credit Repair
    4.9(237)
  • Best value
    Credit Saint
    4.4(479)
  • Customer satisfaction
    The Credit Pros
    4.8(127)
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By: Amanda Futrell
+2 more
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By: Ashley Eneriz
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Edited by: Cassidy McCants

Best Credit Repair Companies

Top Picks

See who reviewers like

Sky Blue Credit Repair logo
Credit Saint logo
The Credit Pros logo
See our top picks

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Our top 4 picks for credit repair companies

Why trust ConsumerAffairs?
  • Our recommendations are based on what reviewers say.
  • 4,590,668 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

Methodology

To make our top picks, the ConsumerAffairs Research Team vetted 15 credit repair companies reviewed by more than 2,000 ConsumerAffairs readers. Features compared included fees, types of plans available, money-back guarantees and more.

You can read our full methodology to learn more about how we compared different lenders and chose our top picks. While our picks may be Authorized Partners that compensate us, this does not affect our recommendations or evaluations.

Our top pick overall
Sky Blue Credit Repair
Sky Blue Credit Repair
4.9
237 reviews
Availability
47 states (not Colorado, Georgia or South Carolina)
Setup fee
$79 to $119
Monthly fee
$79 to $119
Read Reviews

As of publishing, reviewers on our site rate Sky Blue Credit highest in customer service, pricing and staff satisfaction, making it our top pick for best credit repair company. Coaches at Sky Blue Credit are on call to assist you with questions you have about the credit repair process. Its education center is full of helpful resources and tutorials to help you improve your credit. It also has a mortgage preparation service that helps focus your credit repair efforts on applying for a mortgage.

Sky Blue Credit offers three plans. Depending on which plan you choose, the company charges $79 to $119 upfront and $79 to $119 per month at the time of publishing. Couples (marriage not required) can sign up together for $40 more per month (plus a $40 setup fee) with the Premium and Basic plans. If you opt for the Full Service plan, you’ll pay an additional $50 a month for this service.

The company employs a 35-day dispute cycle, which is 10 days faster than what many other credit repair companies offer.

Pros

  • 90-day money-back guarantee
  • Helpful and knowledgeable staff
  • High customer satisfaction rates

Cons

  • Some complaints about speed
  • Not available in some states

Sky Blue Credit gets lots of positive feedback across multiple categories from reviewers on our site. Customers report being especially satisfied with the value for the price: "The quality of service received and the money paid were appropriate and affordable,” Tracey from Maryland said.

Reviewers also frequently mention fair billing. “They could have taken my money and made a few moves to validate their service and I would have been none the wiser,” Rich from Georgia told us. “I am impressed by the integrity of this company and would recommend them to anyone.”

Jason, a Texas mortgage lender, wrote that he sends all his clients to Sky Blue because “Most places would have tried to keep charge a client and get more money. You guys rock!”

The company gets especially high satisfaction marks in terms of customer service and staff. “They have a very polite and efficient staff that explains everything about their process and answers all questions. I never have to wonder what they're up to. The service is definitely worth the investment,” said another Maryland reviewer. Several other customers agreed that Sky Blue Credit was knowledgeable in credit repair and answered all questions clearly.

Although reviews are overwhelmingly positive, a few customers have complained that the credit repair services did not work fast enough. David in California said, “I have had their service for over a year and they have done absolutely zero.”

Though Herbert from Louisiana felt progress was slow, he was overall happy with the experience: “It started off slow but seem to be working out. I will recommend a friend soon as they're done with me.”

Our pick for value
Credit Saint
Credit Saint
4.4
479 reviews
Availability
49 states (excluding South Carolina)
Setup fee
$99 to $195
Monthly fee
$79.99 to $139.99
Get Started Read Reviews

Credit Saint may not offer the lowest prices in the industry, but ConsumerAffairs reviewers are consistently happy with the value the company offers. Many customers feel that, for the money, the company delivered results as promised.

Credit Saint works by offering customer assistance 24/7 by email and online chat through its member portal. It offers three packages to challenge credit bureaus in your favor. Unlike other credit repair companies, Credit Saint focuses its efforts on the three credit bureaus rather than individual creditors. Each package varies in its level of aggressiveness and includes score analysis, creditor interventions and score tracking.

Prices run from $79.99 to $139.99 per month as of publishing, with an initial work fee of $99 to $195. You can also get a free credit repair consultation from Credit Saint, which helps you figure out which level is best for your financial situation. If you don’t see negative items removed from your credit in 90 days, you can ask for a refund.

Pros

  • 90-day money-back guarantee
  • Free consultation
  • Great value for your dollar

Cons

  • Doesn't dispute with creditors
  • High service fees
  • Website difficult to navigate

Customers report being very pleased with the value Credit Saint offers. "I've had help before from another company but the amount with this company is way affordable," according to Erica of Louisiana. "I really appreciate the help that Credit Saint provided to me," Patrick of Florida said. "I think Credit Saint is placed at the top above the rest of the credit repair."

Reviewers seem to feel a large part of the overall value is the great customer service provided by Credit Saint, with high satisfaction ratings for both staff and the services provided. "I can't say enough about the friendliness of the staff and how down to earth they are," Edgar of Texas told us. "I've managed and trained hundreds of people in sales and customer service. This experience was top notch," David of Texas offered.

ConsumerAffairs reviewers also consistently praise Credit Saint's thorough and honest approach to credit repair. "I honestly can't believe the honesty and integrity I experienced in dealing with Credit Saint. Great communication online, on the phone and in documenting all our interactions on my private portal," according to Rick from California.

Some customers note that Credit Saint did not have the nicest or most tech-savvy member portal. "The website is kind of a pain. It makes you verify info a bunch," Angela in New York told us. "I guess they can't be too careful, but it gets to be a thing after a while." The portal's limited functionality may frustrate customers who prefer online services.

Our pick for customer satisfaction
The Credit Pros
The Credit Pros
4.8
127 reviews
Availability
46 states (not Kansas, Maine, Minnesota and Oregon)
Setup fee
$129 to $149
Monthly fee
$129 to $149
Get Started Read Reviews

We selected The Credit Pros as our top pick for customer satisfaction based on the overwhelmingly positive feedback it has received from ConsumerAffairs reviewers. The company offers more services than the other companies we reviewed — some packages come with ID theft restoration and insurance as well as unlimited dispute letters and goodwill letters. You can also expect to have someone working on your case three to five business days after you sign up.

At the time of publishing, The Credit Pros offers a credit-building plan that starts at $69 per month with a $119 setup fee. However, this price does not include any credit bureau disputes. If you’re looking for a company to work on your behalf to repair your credit, you will need the Repair Credit or the Repair + Build Credit plan, which costs $129 to $149 a month.

Pros

  • 60-day guarantee
  • Free consultations
  • High customer satisfaction rates

Cons

  • Pricey monthly fees
  • Mixed reviews

Customers of The Credit Pros generally report high satisfaction ratings, and reviewers mention being particularly pleased with the staff. A customer in Katy, Texas, told us, “From the start to completion of the application, the representative was efficient and knowledgeable. She made me feel very comfortable and she was able to answer all questions and then also give her own personal experiences.”

One satisfied reviewer, Ben from New Jersey, said, "The Credit Pros were extremely professional, and hard-working. They understood that my priority was to improve my credit and refinance my home. The Credit Pros went in and repaired so much that at the end of the year I was able to do exactly that, refinance my home. I highly recommend The Credit Pros."

While The Credit Pros earns many 5-star reviews for successful credit repair, some customers describe less positive experiences, and reviews are somewhat mixed. Some customers reported no improvements after 60 to 90 days. "I had just 1 negative collection I needed removed," Ashlee in Illinois said. "Not only am I out hundreds of dollars but I still have this collection on my report."

Our pick for satisfaction guarantee
The Credit People
The Credit People
3.2
28 reviews
Availability
49 states (not Oregon)
Setup fee
$19
Monthly fee
$99 to $599
Read Reviews

The Credit People is a credit refinancing company that has one of the longest satisfaction guarantees we’ve seen. Most satisfaction guarantees in the credit repair industry last two or three months, if the company offers one at all, but The Credit People offers a six-month satisfaction guarantee with all its plans.

The company offers two payment plans. The monthly package costs $99 per month as of publishing with a $19 setup fee—a very low fee by industry standards. The other option is a flat-rate plan that includes six months of service for $599. Choosing the flat-rate option means you will not have to pay the service fee.

As soon as you sign up, The Credit People sends you your credit report. The company typically works to lower credit scores within a 60-day time frame. Many customers report seeing a credit score improvement of 50 to 100 points.

Pros

  • Easy-to-use website and portal
  • Low setup fee
  • Six-month satisfaction guarantee

Cons

  • Monthly option a bit pricey
  • Some complaints regarding progress documentation

The Credit People's customers frequently mention being happy with the six-month satisfaction guarantee — understandably, since it's longer than most in the industry. Reviewers also reported being mostly happy with the company's staff. Miguel from Houston, Texas, reached out to The Credit People after becoming the victim of mistaken identity: "They told me everything would be ok," Miguel said. "These people are saints!"

Reviewers on our site report mostly positive experiences with the company, and many mention that they’ve seen their credit scores improve as promised. "This actually does work. I had 13 items in collections, and was unable to pull my VA home loan," a reviewer from Iowa said. "Only took them three months to repair, and I was able to purchase my home with the VA home loan."

There were some individuals who did not see progress with their credit scores, complaining that The Credit People did not show proof of what the company did to try to raise their scores. "They claimed they did their part, but did not provide proof," a ConsumerAffairs reviewer from Clovis, California, said.

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Credit repair buyers guide

Having a credit score under 600 can hinder your financial goals, whether you’re trying to buy a new home or finance a car. Improving your credit score isn’t something that happens overnight, but with the help of credit repair companies, you can save time.

Our guide to the best credit repair companies includes five picks that work with all three credit bureaus — Experian, Equifax and TransUnion — to remove negative and inaccurate items from your credit report.

Key insights

Laws like the Fair Credit Reporting Act (FCRA) and the Credit Repair Organizations Act (CROA) protect consumer rights and ensure fair practices for credit repair.

Jump to insight

Professional credit repair companies can assist with disputes, but they can’t guarantee specific outcomes. Be wary of companies that suggest disputing accurate information.

Jump to insight

You can repair your credit independently by reviewing your credit reports, disputing inaccuracies and adopting healthier financial habits.

Jump to insight

What is credit repair?

Credit repair is the process of disputing negative marks or inaccurate information on credit reports to get them removed. Sometimes called credit restoration, it involves challenging negative claims on your credit reports with the credit reporting bureaus (Experian, TransUnion and Equifax).

Doing credit repair yourself is a lot of legwork, especially if you’re struggling with identity theft or have multiple marks to dispute. We suggest hiring a credit repair company if you have multiple and varied disputes.

The most common derogatory marks targeted during credit repair include:

  • Fraudulent accounts
  • Delinquent accounts
  • Accounts in collections
  • Missing accounts
  • Data management errors
  • Incorrect personal information
  • Judgments
  • Expired debts
  • Unverified or invalidated debts
  • Foreclosure
  • Repossessions
  • Late payments
  • Hard inquiries
  • Charge-offs
  • Bankruptcy

For many people, credit repair is essential to accessing personal loans and credit cards. With an improved score, you increase your chances of qualifying for loans — and for better interest rates.

How does credit repair work?

Many credit repair companies work with you to remove or appeal questionable and problematic items on your credit history. Sometimes, inaccurate marks on your credit report are from credit bureau errors or faulty creditor reports. Common errors that a credit repair company looks for include incorrect inquiries and duplicate, inaccurate or missing accounts.

Removing just a single negative item on your credit report can increase your credit score by more than 100 points. Note, though, that it can take anywhere from 30 days to one year to repair your credit and see your score increase.

» LEARN MORE: What is a negative credit history?

Credit repair strategies include sending goodwill adjustments to your creditor for late payments and cease-and-desist letters to debt collectors. In general, credit repair companies will follow this process:

  1. Pull your credit reports from all three credit reporting bureaus
  2. Analyze your credit reports for possible errors or mistakes
  3. Dispute errors on your behalf
  4. Confirm removal of negative marks if the credit reporting company finds the report is inaccurate

Credit bureaus must send a notice of any corrections made to your report. Sometimes, a deleted dispute can reappear on your credit reports if the lender proves its claim is valid. If you find a derogatory mark reinserted on your credit reports, you can dispute it again.

How can I repair my credit on my own?

While many people like having a team of professionals to help fix their credit, you can repair your own credit by doing the following:

  1. Keep an eye on your credit reports: Obtain copies of your credit report from all three credit bureaus (Experian, Equifax and TransUnion) at least once a year. Regularly review your reports for errors, fraudulent accounts or inaccuracies.
  2. Dispute errors you find: Use the dispute process provided by each credit bureau to challenge inaccuracies. Clearly explain the error, provide supporting documents and track your disputes for updates.
  3. Pay off outstanding debts: Focus on clearing overdue or delinquent accounts first. Contact creditors to set up payment plans or negotiate settlements if necessary.
  4. Improve your financial habits: Pay your bills on time, avoid taking on unnecessary debt and work to keep your credit utilization below 30%. Building a positive credit history takes time and discipline.

Federal regulation for credit repair

Federal laws make it illegal for credit repair companies to make false claims. The credit repair industry is also regulated by state governments. Most states require credit repair agencies to be bonded and insured. Some states also require them to have a licensed attorney on staff.

If you believe a credit reporting agency or one of your creditors has violated the Fair Credit Reporting Act (FCRA), you should submit a consumer report to the Consumer Financial Protection Bureau.

» RELATED: Credit repair vs. credit counseling

How to find the best credit repair company

A credit repair company can help your credit score, but not all companies are the same. It is essential to work with legitimate companies that improve your credit each month.

Consider these steps to find the best credit repair company for you:

1. Read reviews
As you compare reviews, keep an eye out for common issues such as unexpected fees, confusing or misleading advertising and suspected scams. Reading reviews from past clients can help you look for red flags.
2. Ask questions
Don’t hire a company that can’t answer specific questions about its credit repair services and prices. The Credit Repair Organizations Act (CROA) makes it illegal for credit repair and credit restoration companies to lie about their results to consumers. Per CROA, credit repair companies must provide a contract in writing, and you can cancel the contract within three days if you change your mind for any reason.

Make sure to ask direct questions about the company, including:

  • What is your cancellation policy?
  • Do you monitor all three credit reporting bureaus?
  • Do you have any certifications or accreditations?
  • Do you customize each dispute letter or use a blanket template?
  • How do you protect your clients’ privacy?
3. Look for red flags
Be wary of credit repair companies that make promises before your consultation — no company can guarantee how successful it’ll be before starting. Another concern is a company asking you to dispute accurate credit marks. Companies that demand large upfront payments before rendering services are usually operating credit repair scams.
4. Set realistic expectations
Review your credit report and have an idea of why you want to hire a credit repair expert before you request a free consultation. You must have realistic expectations about your credit repair situation, including cost and time frame. During your consultation, ask about the company’s previous cases and success rates.

Pros and cons of credit repair companies

Pros

  • Saves time and effort
  • Professional expertise
  • Potential for significant credit score improvement
  • Tailored strategies based on your credit situation

Cons

  • Cost
  • No guarantees
  • Risk of scams
  • Cannot remove legitimate negative items from credit report
  • Can take months to see results

How to avoid credit repair scams

There are unfortunately a lot of credit repair scams that many people fall victim to. It’s essential to understand the warning signs of a fraudulent company so you don’t lose money or end up further damaging your credit.

Here are some key red flags to watch out for:

  • Large upfront payments or fees
  • Guarantees they’ll improve your credit or remove all negative items from your credit report
  • Doesn’t provide a written contract
  • Advice to dispute accurate information
  • Failure to explain your rights (such as your ability to dispute errors on your own, cancel services within three days of signing or review your credit report for free)
  • Pressure to sign a contract

FAQ

How much does credit repair cost?

Credit repair costs vary by company, but expect to pay $70 to $200 for your setup fee and $70 to $149 per month of service. Some companies offer discounted flat rates or the option to pause your service when you need a break. You might also be eligible for discounts to reduce the cost.

How long does it take to repair credit?

It takes most people between six months and a year to repair their credit by themselves. If you hire a professional, the credit repair process typically takes between three and six months. However, even the best credit repair company cannot guarantee success within a specific amount of time.

» RELATED: How to build credit

Does credit repair hurt your credit score?

If a credit repair company is able to remove a legitimate inaccuracy from your credit report, you will see an improvement in your credit score.

Is credit repair worth it?

A credit repair company doesn’t technically do anything you can’t do yourself, but the service is worth it for many people who find the do-it-yourself credit repair process time-consuming and confusing. The best credit repair service combines financial education with proven techniques to remove negative items from your credit history. If your poor credit resulted from a complicated situation out of your control, such as identity theft, professional credit repair services save you time and effort.

What’s the difference between credit repair and credit counseling?

Credit repair focuses on disputing inaccuracies or negative items on your credit report to improve your credit score. Credit counseling provides financial education and debt management plans to help you address the root causes of poor credit and improve your financial habits.

Is credit repair illegal?

Credit repair isn’t illegal. The Fair Credit Billing Act, the Fair Debt Collections Practices Act and the Fair Credit Reporting Act give everyone the legal right to dispute inaccurate items on their credit reports with the credit bureaus and individual creditors.

Methodology

To decide our top picks for buyers with different priorities, as well as our top overall credit repair company, we used a weighted scoring system that took into account both reviews about each company from ConsumerAffairs users and specific company features we researched.

We conducted sentence-by-sentence sentiment analysis of thousands of reviews on our site from Nov. 1, 2017, to Oct. 31, 2024, to identify the aspects people care about most — and which companies reviewers were happiest with for each of these aspects. For credit repair companies, these aspects included:

  • Staff
  • Customer service
  • Price

We then carefully selected the most important features consumers should consider before choosing a credit repair provider and researched these at each company. For credit repair, these features included:

  • Number of plans
  • Setup fees
  • Monthly fees
  • Satisfaction guarantee

The company with the highest score in each category’s uniquely weighted formula was given the “Our pick for” designation. In some cases where a single company received the top score across multiple categories, the company with the second-highest score was named the winner.

Not sure how to choose?

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    Disclaimer

    Information in this guide is general in nature and is intended for informational purposes only; it is not legal, health, investment or tax advice. ConsumerAffairs.com makes no representation as to the accuracy of the information provided and assumes no liability for any damages or loss arising from its use.

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