Best Credit Repair Companies

Credit Saint offers 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 start at the time of publishing at $79.99 per month, with a $99 initial work fee for the lowest tier of credit restoration. Its free credit repair consultation helps you know which level is best for your financial situation. Plus, you can receive a full refund after 90 days if you don’t see negative items removed from your credit.

• No initial work fee for an added family member
• Free credit consultation
• 90-day money-back guarantee

• Not currently available in all states
• Doesn’t dispute with creditors
• High fees

Reviews on ConsumerAffairs say Credit Saint takes the time to explain credit repair thoroughly and honestly. “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,” said one California reviewer.

Other reviewers noted that Credit Saint did not have the nicest or tech-savviest member portal, though.

Sky Blue Credit coaches are on call to assist you with questions you have about the credit and credit repair process. Its education center is full of helpful resources and tutorials to help you know your credit better. It has a special mortgage preparation service for customers who want to focus their credit repair efforts on applying for a mortgage.

Sky Blue Credit charges $79 upfront and $79 per month at the time of publishing. Couples (marriage not required) can sign up together for only $40 more for setup and per month. It uses a 35-day dispute cycle, which is 10 days faster than many other credit repair companies.

• Option to skip a month
• Couples discount
• 90-day money-back guarantee

• No credit monitoring service
• No mobile app
• Not as many dispute letter types available

“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 one Maryland reviewer. Several other customers agreed that Sky Blue Credit was knowledgeable in credit repair and answered all questions clearly.

However, a few customers complained that the credit repair services did not work fast enough.

With The Credit People you can choose between a monthly package, which costs $19 to set up and $79 per month, or you can opt for the flat-rate plan, which includes six months of service for $419 and no setup fees ($74 savings) at the time of publishing. The flat-fee pricing comes with a full six-month satisfaction guarantee.

As soon as you sign up, The Credit People send you your credit report. Within the first 60 days, you will see which actions have been taken to improve your credit. Many customers see a credit score improvement of 50 to 100 points.

• Couples discount
• Credit score monitoring
• Unlimited disputes

• Flat-rate not for everyone
• No 24/7 customer support
• No add-on services, like dispute letters

“This actually does work. I had 13 items in collections, and was unable to pull my VA home loan,” said a reviewer from Iowa. “Only took them three months to repair, and I was able to purchase my home with the VA home loan.” Many reviewers had a similar experience, saying that The Credit People was able to remove many negative items from their credit reports.

Individuals who did not see progress with their credit scores complained that The Credit People did not show proof of what they did.

The Credit Pros offers more services to its customers than the other companies we reviewed. Some packages come with ID theft restoration and insurance, along with unlimited dispute letters and goodwill letters. You will have someone working on your case three to five business days after you sign up.

At the time of publishing, plans start at $69 per month with a $119 first work fee. However, this price is for its Money Management package, which does not include any credit bureau disputes. If you are looking for a company to work on your behalf to repair your credit, you will need the Prosperity or Success Plus plan, which cost $119 and $149 a month, respectively.

• Team of FICO experts
• Credit monitoring
• Unlimited dispute letters

• High first work fees
• Low-tier package only for money management
• Not available in all states

“The reviews for The Credit Pros are mixed, with many rating the company 5 stars, like a reviewer from New Jersey. who wrote, “The Credit Pros went in and repaired so much that at the end of the year I was able to … refinance my home.”

Note that a handful of negative reviewers felt that the company did nothing to improve their credit after 60 to 90 days.

Ovation has the most discounts of all the credit repair companies we reviewed. It gives customers 65 and over a 10% discount after the first work fee is paid. Additionally, military-connected customers can receive a 10% discount, and couples get a 20% discount. If you are currently working with another credit repair company and switch to Ovation, you will receive a $50 credit.

Ovation offers two credit repair plans: Essentials and Essentials Plus. At the time of publishing, both plans require an $89 first work fee. At $79 per month, the Essentials plan is appropriate for most standard credit resolution issues. The Essentials Plus plan is a little pricier, at $109 per month, but it’s designed to remove more complicated negative items more quickly. Essentials Plus includes unlimited challenge validation letters, credit goodwill letters and credit monitoring.

• Senior, military and couples discounts
• Credit monitoring included
• Access to dispute letter template

• Service options not the same for every state
• LRefund policy only for a month of dissatisfaction
• Not 24/7 customer service

“The discounts and referral credits are a big plus of Ovation, according to reviewers. “They gave me a discount due to the fact that my wife was a disabled vet,” said one Louisiana customer. “After the overall work was done, I was satisfied. It raised my score, so that was a big help for me and it impacted us in a good way.”

However, many reviewers have complained about the customer service reps being slow to respond when they were trying to report an issue or cancel their contract.