
- Availability
- 47 states (not Colorado, Georgia or South Carolina)
- Setup fee
- $79 to $119
- Monthly fee
- $79 to $119
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.
Company | Customer rating | Our pick for | Setup fee | Monthly fee | Money-back guarantee | |
---|---|---|---|---|---|---|
![]() | 4.9 | Best overall | $79 to $119 | $79 to $119 | 90 days | Learn more |
![]() | 4.6 | Best value | $99 to $195 | $79.99 to $139.99 | 90 days | Get Started |
![]() | 4.8 | Customer satisfaction | $129 to $149 | $129 to $149 | 60 days | Get Started |
![]() | 1.0 | Satisfaction guarantee | $19 | $99 to $599 | Refund for current and previous month if unsatisfied in first six months | Learn more |
Compare top credit repair reviews | ||||||
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Charges initial work fee from $99 to $195. Monthly fees range from $79.99 to $119.99. Provides a 90-day money-back guarantee. Refunds limited to payments made for 90 days of service only. Available nationwide. | ![]() | Get Started Call Center Open (478) 845-6310 | ||||
Setup fees range from $119 to $149. Three plans with monthly fees from $69 to $149. 90-day limited money-back guarantee. Cancel credit repair services anytime. Available nationwide. Takes under two minutes to sign up. | ![]() | Get Started Call Center Open (844) 441-1397 | ||||
Provides free online credit assessment and credit reports. Monthly fee is $139.95. Get started for free with no obligations. Cancel services anytime. Not available in Oregon. | ![]() | Get Started | ||||
Offers credit repair services for customers in several states. Month to month contracts start at $49/month and give customers a way to remove negative items from their credit report. Improvement takes around six months. | ![]() | Learn More | ||||
Monthly fees start at $49.95, with first-work fees starting at $49.95. Discounts available for referring friends or family. Cancel account anytime. Available nationwide. | ![]() | |||||
Free consultation and debt analysis. 83% success rate for item removals. 90% of clients see increases in credit scores. Focus on customer education. Offers a 100% money-back guarantee. All-inclusive pricing. | ![]() | Chat with a ConsumerAffairs decision guide | ||||
Charges $79 setup fee. Monthly fees start at $79. Typical customers see credit score improvement results within 30 days. Offers 90-day money-back guarantee. No cancellation charges. Available nationwide. | ![]() | |||||
Offers repair services for bad credit. $79 per month. Could positively affect your credit score within 60 days. Employs certified representatives. Credit solutions available on the company’s website. | ![]() | Chat with a ConsumerAffairs decision guide | ||||
Provides credit report analysis, credit dispute resolution and ongoing credit monitoring. Creates a customized plan to repair your credit. Pricing and duration of services vary. Offers free initial consultations. | ![]() | Chat with a ConsumerAffairs decision guide | ||||
Charges $99 initial fee. Monthly fees are $99 for individuals or $198 for couples. Average customers see credit score improvements within the first 45 days. Provides 90-day money-back guarantee. No contract commitment required. | ![]() | Learn More | ||||
Read Author Review | Charges $179 per individual and $279 per couple for the initial payment. Bills customers $50 per confirmed deletion and $75 per public record correction. Provides 100% money-back guarantee. | ![]() | Chat with a ConsumerAffairs decision guide | |||
Read Author Review | Charges $30 setup fee. Individual monthly fees start at $98 with couple discounts available. Averages a 76% deletion rate. Guarantees minimum 50-point credit score increase. | ![]() | Chat with a ConsumerAffairs decision guide | |||
Read Author Review | Charges $89 setup fee and then $89 a month. Average customers see results in 30 to 45 days. Cancel account anytime. Only available in Texas. | ![]() | Chat with a ConsumerAffairs decision guide | |||
Read Author Review | Does not provide transparent pricing. Offers credit score tools to help with restoration. Experienced with bankruptcies, slow payments, charge-offs, foreclosures, tax liens and collection accounts. Only available in Texas. | ![]() | Chat with a ConsumerAffairs decision guide | |||
Read Author Review | Provides financial software and a mobile app that lets customers track and dispute credit. Includes a 12-episode course on credit and personal finance with premium subscription. Costs $129 a month for six months, then $59 a month. | ![]() | Chat with a ConsumerAffairs decision guide | |||
Read Author Review | Provides free consultations. Customers typically see results within 180 days. Guarantees results with full refund policy. Only available in Texas. | ![]() | Chat with a ConsumerAffairs decision guide | |||
Charges $89 setup fee. Monthly fees from $79 to $109. Averages 19 points improvement per customer. Does not guarantee specific results. Cancel contract within five days of signing. Not be available in all states. Out Of Business | ![]() | Chat with a ConsumerAffairs decision guide |
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