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6 Best Credit Repair Companies
By Jamela Adam MONEY RESEARCH COLLECTIVE
🥇 Most Affordable Credit Help Company!
- The advisory team helps you take the necessary steps to improve your credit health overall
- Setup or First Work Fee: $99 - $195
- Monthly Fees: $79.99 - $129.99
- Over 10,000 Google Reviews at 4.8 Stars
- 90-day Money-Back Guarantee
Get your free credit assessment today!
- Licensed attorneys, paralegals, and personalized score improvement strategies
- $139.95 per Month
- $1M coverage in identity theft
- Mobile app allows you to monitor the development of your case
- Free credit assessment - Cancel Anytime
Offers a single, low-cost credit repair package
- Pause and resume your membership at will through your online account
- Setup or First Work Fee: $79 ($119 for couples)
- Monthly Fees: $79, $99 or $119 ($119, $149 or $179 for couples)
- Discounts available for couples
- 90-day Money-Back Guarantee
All plans include unlimited disputes to all three credit bureaus
- Monthly fees: $79 or $119
- Flat-rate six month fee for $599 also available
- First work fee: $19
- No available discounts
- Money-back satisfaction guarantee refunds the month you cancel the service and previous month
For better or worse, our credit history is enormously important. Not only is it used to determine our eligibility for personal loans, mortgages, car loans, student loans, and other types of borrowing, but it’s also sometimes used to determine our eligibility for a job, an apartment rental, a security clearance, and even a date.
Unfortunately, mistakes on credit reports happen way too often. According to a Consumer Reports investigation, one-third of volunteers who participated in the project found mistakes in their reports when they checked. You can attempt to correct inaccuracies in your credit report without hiring a service to assist you – but be forewarned: the process isn’t quick or easy and can seem overwhelming if you’re new to the world of credit reporting.
Fortunately, there are services that can simplify this process for you. And there’s no shame in realizing that you need a professional’s guidance. If you decide to go that route, you might start by reading our list of the best credit repair agencies.
Our Top Picks for Best Credit Repair Companies
- Best Overall: Credit Saint
- Best DIY Credit Repair: Credit Versio
- Best for Couples: Sky Blue
- Best Guarantee: The Credit People
- Best for Discounts: Ovation Credit Repair
- Best Value: The Credit Pros
Best Credit Repair Reviews
There are many credit repair companies out there, and it can be tough to choose the right one. That’s why we’ve put together this list of the best ones based on our own research and online customer reviews. We considered several key factors, including customer service, price, features, and more, that will probably be important to you. And we selected a handful of winners that we believe can provide you with the best credit repair service.
Best Overall: Credit Saint
Credit Saint is our top pick for the best overall credit repair company. Here’s why: they have multiple membership packages, so you can choose the one that best fits your needs, and their pricing is clear and straightforward — which means no hidden fees or surprises. Not to mention they also offer a 90-day money-back guarantee if no negative items are removed from your credit report.
Credit Saint offers its credit repair services in three tiers: Credit Polish, Credit Remodel, and Clean Slate. The primary difference between these plans is the number of credit disputes they can file on your behalf each month. This ranges from five disputes with the Credit Polish plan to an unlimited number with the Clean Slate plan — which can be especially helpful if you have a lot of negative items on your report.
Another key factor that sets Credit Saint apart from competitors is the free credit consultation they offer. During this consultation, you can speak with a credit analyst who’ll help you identify what specific items on your report are causing damage to your credit. And you won’t be billed anything unless you decide to move forward with their service and subscribe to the monthly plans — which range from $79.99 to $119.99 a month, excluding the initial setup fee.
| Credit Polish | Credit Remodel | Clean Slate | |
| Monthly fee | $79.99 | $99.99 | $119.99 |
| Initial work fee | $99 | $99 | $195 |
| Number of disputes | 5 items/cycle | 10 items/cycle | Unlimited |
| Experian monitoring | x | ✔ | ✔ |
| Escalated information requests | x | ✔ | ✔ |
- 90-day money-back guarantee
- Credit monitoring included in most packages
- The Clean Slate package offers unlimited disputes
- No chat support feature
- High initial first work fees
- Limited disputes with cheaper plans
- Not available in certain states
Best DIY Credit Repair: Credit Versio
If you prefer to fix your credit yourself without hiring a professional, we believe Credit Versio is the best option for you. Unlike its competitors, this company stands out for its user-friendly platform and easy-to-use app. Whether you’re an experienced credit user or just getting started, Credit Versio makes it simple to access your credit report and fix any errors that may be holding you back.
After you input your personal information, the app starts searching for errors in your credit report. From there, Credit Versio will then prepare a dispute strategy and walk you through it step-by-step, helping you better manage the dispute process on your own. Credit Versio also helps track all of your disputes on all three credit reporting agencies, so you’ll be updated on the progress of your disputes and credit score.
Compared to other credit repair companies, Credit Versio’s pricing is much more affordable since you won’t be getting the help of a professional. Pricing options currently range from $19.95 to $29.99 a month. And though there is no initial setup fee on all of the credit repair plans, there is no money-back guarantee. So be sure to keep that in mind before signing up.
| SmartCredit Basic | SmartCredit Premium | Identity IQ | |
| Monthly fee | $19.95 | $24.95 | $29.99 |
| Initial work fee | n/a | n/a | n/a |
| Number of disputes | Unlimited | Unlimited | Unlimited> |
| Credit monitoring alerts from TransUnion | ✔ | ✔ | ✔ |
| 7-day free trial for $1 | x | x | ✔ |
| Identity theft insurance | $1,000,000 | $1,000,000 | $25,000 |
- Low monthly subscription fees
- Includes video lessons
- Unlimited disputes
- No initial work fee
- Offers monthly credit report and score tracker
- No money-back guarantee
- No credit repair consultants
- You have to print and mail dispute letters yourself
Best for Couples: Sky Blue
If you’re looking for a credit repair company that will help you and your partner improve your credit scores, Sky Blue is a great option. Similar to other companies on the list, Sky Blue’s individual plan is $79 a month. But what makes them stand out from others is that for $40 extra each month, you can add your partner to the program as well — which equates to a cost saving of around $20 per person.
Apart from the couple’s discount, Sky Blue also provides benefits such as a 90-day money-back -guarantee and the option to pause and resume membership whenever you need a break. This flexibility allows you to try out the service without having to commit if you don’t want to.
But it’s also important to mention that Sky Blue has a maximum limit on the number of monthly disputes they can send — five per credit bureau every 35 days. This can be quite limiting if you need to dispute a lot of inaccuracies in your report. However, if both you and your partner only occasionally need to submit a dispute and want to enjoy a couple’s discount, then Sky Blue can be well worth the investment.
| SkyBlue Credit Repair Services | |
| Monthly fee | $79 ($119 for couples) |
| Initial work fee | $79 |
| Number of disputes | 15 items every 35 days (5 per credit bureau) |
| Goodwill and cease to desist letters | ✔ |
| Debt settlement and debt validation | ✔ |
| Credit monitoring | x |
| Satisfaction guarantee | ✔ |
- Generous couple's discount
- 90-day money-back guarantee
- Pause and resume membership anytime
- No service for identity theft protection
- No credit monitoring
- Only handles a maximum of 15 creditor interventions per dispute cycle (35 days)
Best Guarantee: The Credit People
When it comes to finding a credit repair company that provides a flexible cancellation and satisfaction policy, The Credit People is definitely the top choice. With their satisfaction guarantee, you can always cancel your subscription if you aren’t getting the results you want or need. And better yet, unlike their competitors, The Credit People claims to refund you for not just a particular month’s service, but for the month before that as well.
Apart from their money-back guarantee, another attractive selling point of The Credit People’s service is the low setup cost. While other credit repair companies usually charge a one-time setup fee of over $70, The Credit People only charges a $19 fee for the $79 monthly plan. If you’re on a tight budget and don’t want to break your bank just to repair your credit, this company could be a viable credit repair option. Also, since you can cancel anytime if you aren’t satisfied with the service, you don’t have to worry about making financial commitments to anything that isn’t the right fit for you.
The Credit People also offers a six-month flat-rate membership that costs $419. Though it may seem like a lot at first glance, you actually get a $74 discount compared to paying monthly. Plus, you can still take advantage of the satisfaction guarantee for the duration of your membership.
| Monthly Membership | Flat Rate Membership | |
| Credit repair fee | $79/month + $19 initial work fee | $419 (6 months of service) |
| Number of disputes | Unlimited | Unlimited |
| Credit counseling | ✔ | ✔ |
| Satisfaction guarantee | Cancel anytime | For the duration of the 6-month membership |
| Credit monitoring | x | x |
- Low initial work fee of $19
- Unlimited disputes
- Offers a six-month flat-rate subscription at $74 less
- Satisfaction guarantee
- No web chat or mobile app
- Limited customer support hours
Best for Discounts: Ovation
Unlike other credit repair services that typically only offer one or two discount options, Ovation offers five different choices. We’re all for saving money – and the various discounts Ovation offers will help many people do just that.
Ovation’s couple’s discount gives you 20% off when you sign up with a friend or partner, while the military discount offers 10% off for active duty service members or retired veterans. Seniors aged 65 and over can also enjoy 10% off their subscription costs. Plus, even if none of these categories apply to you, Ovation’s referral program earns you a $30 credit ($50 for couples) when your friends sign up. And customers who started the credit repair process with another company but then switch to Ovation will receive a $50 credit.
Currently, the two membership plans that Ovation offers — Essential and Essential Plus — cost $79 and $109 a month, respectively, with a setup fee of $89. But if you’re able to take advantage of the generous discount opportunities mentioned above, you can save quite a bit of money in the long run.
| Essentials Plan | Essentials Plus Plan | |
| Monthly fee | $79 | $109 |
| Initial work fee | $89 | $89 |
| TransUnion credit monitoring | x | ✔ |
| Personalized dispute options | ✔ | ✔ |
| Personal case advisor | ✔ | ✔ |
| Unlimited dispute and goodwill letters to creditors | x | ✔ |
- Includes various discount options
- Cancel anytime
- Dedicated case advisor
- Owned by LendingTree and respected in the credit repair industry
- Certain features are only offered in the premium package
- Online sign up not available
Best Value: The Credit Pros
When it comes to credit repair, value is an important factor to consider. After all, you want a company that will give you the most bang for your buck and helps you improve your financial standing as effectively and efficiently as possible. When we considered all the top players in the industry, one clear winner emerged: Credit Pros. This company offers not only unlimited disputes for premium subscribers but also several added perks for all members that really set it apart from the competition.
For example, with even the most basic plan that only costs $69 a month, you can get access to additional features like DarkWeb monitoring – to check if your personal information is being used illegally – and a budgeting system to help you manage your finances correctly and improve your credit. The Credit Pros is also one of the few credit repair companies that offer a free mobile app along with all of their credit repair packages. This allows you to receive real-time updates on your disputes and monitor your credit score on the go. Not to mention that their staff also offers free consultations in both English and Spanish.
The Credit Pros offers three membership tiers: Money Management, Prosperity Package, and Success Package. The monthly subscription fee is $69, $119, and $149 respectively. Though the prices for the premium plans are quite steep, considering the number of personal finance tools and features available in all of the three packages, Credit Pros is hard to beat when it comes to getting good value for your credit repair needs.
| Money Management | Prosperity Package | Success Package | |
| Monthly fee | $69 | $119 | $149 |
| Initial work fee | $119 | $119 | $149 |
| Number of disputes | 5 items/cycle | 10 items/cycle | Unlimited |
| Debt validation and goodwill letters | x | ✔ | ✔ |
| Cease to desist letters | x | ✔ | ✔ |
| Unlimited disputes | x | ✔ | ✔ |
| TransUnion credit monitoring | ✔ | ✔ | ✔ |
| Financial tools (Budget system & Bill reminders) | ✔ | ✔ | ✔ |
- Includes several additional features even with the basic plan
- Offers a free mobile app
- Bilingual service available
- High initial work fees
- No online chat
- The website is not very user-friendly
Other Credit Repair Companies We Considered
Though these credit repair companies below don’t quite meet the standards we set, we think they could potentially provide value to you nonetheless.
- Robust and extensive online education center
- Can track your credit progress through their mobile app
- Several service packages to choose from
- Consumer complaints in the CFPB database
- Limited monthly disputes
- Lacks pricing transparency
- 6-month money-back guarantee
- Couple's discounts
- Offers online dashboard
- Unlimited disputes included
- High one-time enrollment fee of $149
- Additional fees required for credit monitoring
- Few educational resources on the website
- No free consultation
- No upfront fees
- Extended customer service hours
- 90-day money-back guarantee
- Not available in certain states
- Expensive monthly subscription fees
- Personal credit mentor with the Fast Track Elite option
- Money-back guarantee that begins after the 60-day enrollment period
- No free consultation
- Limited information on the website
- Expensive initial work fee
- Has years of experience in credit repair (since 1997)
- Low first-work and ongoing service fee
- Available by phone 24/7
- No credit monitoring
- Doesn't offer a satisfaction guarantee
- The website is outdated and not user-friendly
- Free credit consultation
- Offers educational resources on the website
- Cancel anytime
- Few customers reviews
- No credit monitoring
- High first-work and service fees
- Great customer support (24/7)
- Straightforward and transparent pricing
- Satisfaction guarantee
- No credit monitoring
- Doesn't pull your credit report for you
- No additional services such as debt validation
Credit Repair FAQ
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How We Found the Best Credit Repair Companies
To select the top performers, we evaluated each credit repair company based on a number of key factors, including:
- Fees: According to the Credit Repair Organizations Act (CROA), reputable credit repair companies should not request or receive payment until they’ve completed the services they’ve promised. For this reason, we avoided companies that charge unreasonable upfront fees before any credit repair service is performed.
- Services and benefits: Apart from the cost, we also looked at a credit repair company’s variety of services and features to make sure you’re getting the best bang for your buck. If a company offers additional tools and benefits such as credit monitoring and satisfaction guarantee, we definitely see that as a plus. Overall, we chose companies that can provide comprehensive support for all of your credit repair-related needs while also offering fair prices that fit within your budget
- Compliance with the law: Another key factor that we took into consideration is whether the company complies with laws that protect consumers. We used the Consumer Complaint Database of the Consumer Finance Protection Bureau (CFPB) to determine whether a company has committed fraudulent or predatory practices in the past. We also steered away from credit repair firms that display misleading information about their service and don’t seem to comply with CROA.
Summary of the Best Credit Repair Companies
- Best Overall: Credit Saint
- Best DIY Credit Repair: Credit Versio
- Best for Couples: Sky Blue
- Best Guarantee: The Credit People
- Best for Discounts: Ovation Credit Repair
- Best Value: The Credit Pros
