Best Credit Repair Companies & Services To Improve Credit Score & Credit Clean Up in 2021



Your credit score affects several areas of your life. It determines your ability to borrow various types of loans such as mortgages, personal loans, and car loans.

Sometimes, it may also affect your ability to land and keep a job, rent a house, and set up utility accounts. It could even determine your insurance premiums. Hence, if you have a poor credit score, it will negatively affect most financial aspects of your life.

Unfortunately, your credit score can be damaged in various ways. For instance, there could be some misreporting, causing negative items to end up on your credit report erroneously.

Or you could be a victim of identity theft, with the thief opening several new credit lines in your name, leading to heavy debts and missed payments.

The good news is, credit repair companies can help to repair your credit report and improve your credit score.

Legitimate credit repair companies will work with the major credit bureau to identify the errors on your credit report, challenge them and follow up with the credit reporting agencies to ensure they are removed.

But with thousands of credit repair companies out there, there’s always a risk of falling into the hands of credit repair scammers. And when that happens, you will lose your money to the scammers. They may also use your details to open new lines of credit in your name.

So, how do you make sure that you choose legitimate and best credit repair services? Well, that shouldn’t worry you since we’ve done the research for you and identified the best credit repair companies that offer value for money.

Our Top 5 Best Picks For Credit Repair Companies

  1. Credit Saint: Overall Best Credit Repair Company
  2. Credit Repair: Best For Credit Repair Monitoring
  3. The Credit People: Well-Known For Repairing Credit Score
  4. Sky Blue Credit: Get Best Credit Experts Online
  5. Lexington Law:Popular Credit Services

#1. Credit Saint: Overall Best Credit Repair Company

Launched in 2004, Credit Saint is a credit repair company with a positive reputation in the industry. Credit Saint is a legal and legitimate credit restoration company that adheres to all laws that govern credit repair companies. Also, it offers its services in adherence to top-most transparency.

Unlike other credit repair companies, Credit Saint never guarantees any outcome or makes lofty promises that it can’t deliver on. Instead, it will work with you and your creditors directly to develop the best possible credit restoration solution for your situation.

Since it was launched more than a decade ago, Credit Saint has gone on to serve thousands of credit repair clients. And going by the reviews and testimonials, you can say that most of the clients it has served have been satisfied.

Credit Saint is among the few credit repair companies with BBB accreditation. Also, it has managed to maintain a BBB A+ rating for several years. And it’s easy to see why more people are choosing Credit Saint as their preferred credit repair company.

Credit Saint offers a free initial consultation, where you get a chance to speak with one of the company’s credit repair professionals. During the consultation, the credit repair professional will assess your credit history and walk you through the credit repair process. The initial consultation is designed to help assess whether you can benefit from Credit Saint’s credit repair services.

While Credit Saint is mainly known as a credit repair company, its services reach beyond that. It offers its clients a holistic approach to credit restoration, thus helping prevent such issues in the future.

Credit Saint clients have three packages to choose from. These include Clean Slate, Credit Remodel, and Credit Polish. All packages are backed by a 90-day money-back guarantee.

Credit Polish is the Credit Saint’s basic package. With this package, you get challenges to the three credit reporting agencies, creditor interventions, score analysis, and score tracker. This package is designed for clients whose credit reports need minor restoration.

Credit Remodel is a mid-tier package, which comes with all the features present in the Credit Polish package. It also adds Experian monitoring and inquiry targeting. If your credit report requires extensive credit repair, then the Clean Slate package would be the ideal choice. With this package, you get all the features offered in the other packages. It also comes with unlimited challenges to the three credit reporting agencies.


No upfront fees: Credit Saint doesn’t charge its customers an upfront fee. Instead, you get a free initial consultation, which can help you to determine whether Credit Saint is the best credit repair company for your needs.

Money-back guarantee: All Credit Saint credit repair packages come with a 90-day money-back guarantee. So, if you don’t see any notable changes in your credit report after three months, you are free to cancel your Credit Saint subscription.

Flexible pricing options: Credit Saint understands that people have different needs when it comes to credit repair. To this end, it offers multiple pricing options and packages designed to meet the diverse needs of its clients.

Reliable credit repair experts: If you hire Credit Saint to repair your credit report, it will assign you a credit advisory team, which will work closely with you, updating you on the progress and answering any questions you may have.

Easy sign-up process: Credit Saint offers an easy online sign-up process. You simply need to visit its official website, provide your contact information, choose your package, pay, and confirm it.


  • BBB accredited credit repair company
  • A+ BBB rating
  • 90-day money-back guarantee
  • Flexible pricing
  • Free initial consultation


  • Services not offered in some states

⇒ Visit the Official Website of Credit Saint

#2. Credit Repair:Best For Credit Repair Monitoring


Founded in 2012, Credit Repair is one of the newest companies in the industry. While it may be fairly new compared to some of its competitors, it has since established itself as one of the best credit repair companies on the market.

Since it was launched a few years ago, CreditRepair has so far executed more than 19 million disputes and challenges on behalf of its clients. And out of that number, it has overseen more than 1.8 million removals, which is not an easy accomplishment.

Like other reputable credit repair companies, CreditRepair doesn’t make guarantees or unrealistic promises. Instead, it follows a legal and transparent process, which you can monitor via the online dashboard or mobile app.

When signing up for CreditRepair services, you will be given the option to choose from three packages. The packages are the Direct Plan, Standard Plan, and Advanced Plan.

The Direct Plan is aimed at people whose credit reports require minimal intervention. Some of the services included in this package are inquiry assistance, goodwill intervention, monthly credit reporting from the three credit agencies, and quarterly credit score updates.

The Standard Plan is a middle-of-the-road package designed for people who want a couple of items removed from their credit reports. If you choose this plan, you will get all the features that CreditRepair offers in the basic package. You will also get a FICO score inquiry to assist the service.

The Advanced Plan is the company’s most aggressive credit restoration package. If you have numerous items that you want to be repaired on your credit report at once, then this package is designed for you.

Apart from getting all the services offered in the lower packages, the Advanced Plan will also add more bureau challenges, additional creditor interventions, and monthly credit score updates.

CreditRepair can help remove several negative items on your credit reports, such as collections, late payments, foreclosures, judgments, out-of-date items, charge-offs, and repossessions, among others.

Apart from its outstanding credit repair services, CreditRepair also offers a wide range of comprehensive education resources on its website, covering different topics like how to maintain a good credit report as well as handy information on identity theft, debt solutions, and financial management, among others.


When it comes to credit repair companies, you have no shortage of options. So, why choose CreditRepair instead of the other options on the market? Here are some reasons why:

Free Credit Report Evaluation: CreditRepair offers free credit evaluation during the free consultation. This evaluation will help you understand the credit repair process while identifying areas of your report that need to be addressed.

Millions of removals: CreditRepair has managed over 1.8 million credit removals since its launch. Consequently, it has helped millions of people improve their credit scores and qualify for various loans.

Flexible pricing and plans: The company offers flexible pricing and plans. Therefore, clients can easily choose a plan that aligns best with the credit restoration work that their reports need.

Easy progress monitoring: Once the credit repair process has commenced, you can easily monitor the progress via your online dashboard. This makes the entire process as transparent as possible.

Handy mobile app: Apart from the personal online dashboard, you can also monitor your financial situation through the company’s mobile app.


  • A transparent credit repair process
  • Flexible pricing and packages
  • A wide range of credit repair services
  • Comprehensive educational library
  • Handy mobile app


  • Not available in some locations

⇒ Visit the Official Website of Credit Repair

#3. The Credit People: Well-Known For Repairing Credit Score


Based in Utah, The Credit People has been providing credit repair services for more than 15 years. Its credit repair team is composed of highly trained, certified, and experienced credit repair professionals.

Unlike most other credit repair companies, The Credit People follows a comprehensive credit repair approach. So, instead of simply focusing on deleting the negatives from your credit report, The Credit People will go a step further and educate you on how you can build your credit score.

The Credit People operates in strict compliance with all the applicable laws, most notably the Fair Credit Reporting Act. Hence, you can be confident that you are dealing with a legal and legitimate credit repair company.

It’s ranked as one of the best credit repair companies by various third-party consumer review websites. Also, the majority of customer reviews and testimonials have been positive. This is a sign that customers are generally happy and satisfied with The Credit People’s services.

As one of the best credit repair companies, The Credit People follows a simple, straightforward, result-driven, and transparent credit repair process. And if you don’t see any improvements in your credit report within 60 days, you are free to cancel your subscription, and you will get a refund, thanks to its 60-day money-back guarantee.

The Credit People offers a single credit repair package. This package comes with most of the standard credit repair services that other companies offer. They include credit disputes and challenges and credit monitoring.

For credit disputes and challenges, The Credit People claims it can help to clean up your credit report by removing items like collections, foreclosures, late payments, bankruptcies, repossessions, charge-offs, tax liens, judgments, and student loans, among others.

The Credit People also offers a unique service known as debt validation, where it challenges your creditors to produce proof that they are legally permitted to collect the debt they claim you owe.


The Credit People has consistently ranked as one of the best credit restoration companies. So, what sets it apart from the competition? Here are a few highlights:

Certified Credit Repair Professionals: With The Credit People, you will be working with certified and licensed credit repair professionals who operate under the Fair Credit Reporting Act. Therefore, you don’t have to worry about facing legal issues along the way.

No Additional Charges: Some credit repair companies may charge you separately for things like credit reports, among other services that may be vital to the credit repair process. However, that’s not the case with The Credit People. What you pay for is exactly what you will get. If you need a credit report urgently, you can get one from The Credit People at no additional charge.

Couples Discount: The Credit People is among the few credit repair companies whose packages come with a couples discount. If you sign up as a couple, you will each get a $20 discount on your first monthly payment.

60-day Money-back Guarantee: This credit repair company doesn’t make unrealistic promises. However, it guarantees you that you will get value for your money when you subscribe to its credit repair services. If you don’t see any positive changes in your credit report or you are not satisfied with the services offered, you can cancel your subscription, and you will get a refund.

24/7 Customer Service: The Credit People has a 24/7 customer support team. You can reach the customer representatives either by phone or email. You also have access to a personalized online dashboard, where you can easily check your progress. Also, you can connect with a representative on the same portal.

Educational Resources: If you visit the company’s website, you will come across lots of valuable and informative resources covering various topics like the credit repair process, credit scores, personal finance, identity theft, and credit cards.

Unlimited Disputes: Once you sign up for The Credit People service, they will file as many disputes as possible within the billing cycle. This may considerably increase the chances of getting the negatives removed.


  • Affordable services
  • Unlimited disputes
  • Free credit reports
  • 60-day money-back guarantee
  • Several educational resources


  • Only a single package offered

⇒ Visit the Official Website of The Credit People

#4. Sky Blue Credit:Get Best Credit Experts Online


Sky Blue Credit has been a significant player in the credit repair industry for several years. Launched in 1989, Sky Blue Credit has served thousands of customers looking for credit repair services.

Being in the industry for such a long time is enough proof that its customers have been satisfied with the services they have been getting. If the company’s services were poor, there’s a high chance it wouldn’t even be around today.

Sky Blue Credit provides services per the Fair Credit Reporting Act (FCRA). Therefore, you can rest assured that you are in safe hands when dealing with Sky Blue Credit.

Like other reputable credit repair companies, Sky Blue Credit helps consumers identify outdated and incorrect details on their credit reports. It then sends disputes on behalf of the consumer to credit reporting agencies to have the erroneous information struck off from the record.

Sky Blue Credit only offers a single plan, charged monthly. After signing up, one of the company’s credit repair professionals conducts a review of your credit report with you over the phone. This review will help to identify areas in your credit report that need to be looked into.

When it comes to credit repair, Sky Blue Credit offers three main services. These are automatic disputes, score assistance, and score assistance. Sky Blue Credit also offers debt validation, cease and desist letters, debt settlement, debt negotiation, and goodwill letters. All the extra services are provided at no additional cost.

Sky Blue Credit stands behind its services with a 90-day, unconditional money-back guarantee. Therefore, if you are not satisfied with its services within the first 90 days after signing up, you just need to notify one of the company’s representatives, and you will get a refund.


Transparent Pricing: Sky Blue Credit is transparent and straightforward. All the details regarding the pricing have been clearly laid out on the company’s website. Hence, this company will not surprise you with hidden charges along the way.

90-day Money-back Guarantee: As mentioned above, Sky Blue Credit backs its services with a 90-day money-back guarantee. And unlike other guarantees that some other companies offer, this one is unconditional.

Couples Discount: Couples who sign up with Sky Blue Credit will get a discount. Upon signing up as a couple, the second person will get a 50% discount on both the set-up and monthly fees. It’s worth mentioning that you don’t need to be married to qualify for this discount. You simply need to have two people sign up at the same time.

Pause and Resume Service: Sky Blue Credit gives you the option to pause and resume the service whenever you want to take a break. Once you pause the services, Sky Blue Credit will stop charging your credit card until you resume the services.

Free Additional Services: Some credit repair companies will charge you extra for additional services. But with Sky Blue Credit, you will get all the additional services for free.


  • 90-day money-back guarantee
  • Excellent customer support
  • Couples discount
  • Free additional services
  • Honest and transparent pricing
  • Pause and resume option


  • It doesn’t offer financial management tools

⇒ Visit the Official Website of Sky Blue Credit

#5. Lexington Law: Popular Credit Services


Lexington Law has been providing credit repair services since 2004. It’s one of the largest and most established credit repair companies in the country.

They have an impressive track record when it comes to credit repair services. According to the information posted on its website, Lexington Law has so far helped to remove over 7,000,000 negatives from its clients’ credit reports. And this was in 2020 alone.

Lexington Law claims to have helped remove approximately 56 million negatives since it was launched in 2004.

Lexington Law offers three credit repair packages. These are Concord Standard, Concord Premier, and Premier Plus. The three plans range from basic to premium, thus ensuring that consumers only choose a package that offers the services they are looking for.

The Concord Standard is an entry-level credit repair package. This plan comes with two main services – credit disputes and creditor interventions. Under credit disputes, Lexington Law will examine your credit report and identify the negative items. It will then dispute those items to have them removed. As for creditor interventions, Lexington Law will send legal correspondence to your creditors.

Concord Premier is a mid-level plan designed for people looking for services beyond what the basic plan offers. Under this plan, you will get all the services that Concord Standard offers. It also adds ongoing credit monitoring and credit score analysis. You will also get alerts whenever your credit score changes.

Premier Plus is the company’s premium package. It’s also the most aggressive credit repair plan that this company offers. With this package, you will be eligible for all the services that the lower tiers offer. The Premier Plus plan also adds cease and desist letters and the FICO score tracker. You will also get access to handy financial tools, which you can access through the company’s mobile app. This plan also adds identity theft protection.


Legal Expertise: When you hire Lexington Law to repair your credit, you won’t be hiring a run-of-the-mill firm. Instead, you will enjoy the services of experienced paralegals and lawyers.

No Long-term Contracts: Lexington Law will not require you to sign a long-term contract. Instead, you will be charged monthly. With this arrangement, you can cancel the contract at any time without incurring penalties.

No Initial Work Fee: Lexington Law offers a free initial consultation. After that consultation, it’s up to you to decide whether to sign up for its services or not.

Reliable Customer Service: Lexington Law is a step ahead of most other credit repair firms when it comes to customer service. You can reach its representatives via email or phone.

App Support: Apart from that, Lexington Law has a mobile app available on both the Google Play Store and the App Store. This mobile app provides a convenient means for the client to follow the credit repair process.


  • Free consultations
  • Experienced and licensed financial attorneys
  • Multiple discounts
  • A reliable and reputable credit repair company
  • Flexible pricing and plans


  • Unavailable in North Carolina and Oregon

⇒ Visit the Official Website of Lexington Law

How We Made Our List Of Top Credit Repair Services?

To come up with the best credit repair companies, we first did a surface-level online search and compiled a list of some of the most popular companies on the market.

After compiling that list, we then evaluated each of the companies that had made our list by checking customer reviews and testimonials.

We also checked whether the companies had valuable services, suitable packages, and brand reputation.

Using this approach, we managed to remove the majority of the credit repair companies that appeared illegitimate and those whose customer satisfaction ratings were poor.

From there, we checked for other areas like legality and customer support. By combining all these parameters, we managed to identify the top 5 best credit repair companies on the market. Continue reading as we’ve reviewed all these companies in this article.

What We Looked For

  • Whether a credit repair company is stable and the number of years it has been operational
  • Whether a company is reputable and reliable
  • The services and packages that each company offers
  • Whether a company provides educational resources to potential clients
  • How each company handles customer complaints and feedback
  • Whether a company is licensed and accredited in the states it operates in
  • Whether a company operates in line with the Fair Credit Reporting Act (FCRA)
  • Whether or not a company is readily accessible via the phone, email, or other communication channels

After checking all these factors closely, combined with input from industry experts, we selected reliable and legitimate credit repair companies that offer the best value for money.

Things To Look For When Selecting The Best Credit Repair Company

Your credit score is tied to your financial security. Therefore, if you have a poor credit score, hiring a credit repair company would be highly advisable. The best credit repair company will assess your credit report and then identify areas that need some work.

However, credit repair scams are also common, meaning you can end up paying money without getting the service. Worse still, some unscrupulous credit repair companies steal and sell your social security number, leading to serious consequences.

Therefore, it’s essential to make sure that you choose a legitimate credit repair company to ensure that you get value for your money. Here are the key factors to consider when hiring a credit repair company:

  • Track Record and Experience

Before you hire a credit repair company, you should first check its experience and track record. If a company was launched a year ago, it might not have the expertise to handle complex credit repair work. Consequently, it may end up sinking with your money.

On the other hand, if a company has been in business for more than five years, it already understands the ins and outs of credit restoration. Hence, you should prioritize credit repair companies that are well established.

Customer experience is also a vital consideration when choosing a credit repair company.

If customer experience is positive, then it’s an indication that the company is meeting its customers’ expectations. On the other hand, if the customer experience is generally negative, then there’s a high chance the company is not fulfilling its promises.

For customer experience, you can check reviews and testimonials on platforms like Google, Yelp, Better Business Bureau (BBB), and other third-party websites. You should only hire a credit repair company with a high customer satisfaction rating as a rule of thumb.

It would be best if you also asked for references whenever you are checking out different credit repair companies. References may include previous customers who have used the company’s credit repair services.

These references will help you to assess how competent and credible a particular credit repair company is. If a company refuses to provide references citing confidentiality of customer information, it’s likely a shady company.

Credit repair companies offer different packages. For instance, some may offer multi-tiered packages, with each package having different services. Others may offer a single package that comes with all the credit repair services.

For pricing, some companies will charge you a single monthly fee, covering the removal of negatives from your credit report per billing cycle. Others will charge you for every negative item they delete from your credit report.

However, the pay per delete method is not always reliable. Also, it’s becoming outdated. Hence, it’s best to choose a credit repair company that uses a monthly pricing model.

Credit repair agencies have to operate under the applicable state and federal laws for them to be accredited.

And besides being licensed, a reputable credit repair company should acquire a bond, which will protect its customers against any issues of misconduct it may engage in.

During your initial contact with the credit repair company, you should ask whether they have the relevant licensing and accreditation. You should also confirm whether it’s bonded. If it’s not, you should move on to the next one and ask the same questions.

Credit repair companies are legally obliged to provide consumers with a written contract that explains the consumer’s rights. It should also include details of the services to be offered and the money to be paid.

The best credit repair companies will have no problem giving you a written contract. On the other hand, if a company is unwilling to provide you with a written contract, you should explore other options.

A reliable and reputable credit repair company should always be available to its customers. Hence, if a particular company cannot guarantee that it will be available when you want to get in touch, then you should look for alternatives.

You should also check how you can reach a potential credit repair company. Can you reach its representatives via phone, email, or online chat? The more options, the better for you.


Q1. What is credit repair?

Credit repair entails correcting or restoring a poor credit score after being damaged by financial setbacks, credit reporting errors, or identity theft.

Other issues that can damage your credit score include incurring too much debt, missing too many payments, filing for bankruptcy, and repossession, just to name a few.

However, the repair process will only remove inaccurate items from your report.

Q2. How does credit repair work?

Credit repair is a multi-step process. First, you need to figure out what has damaged your credit report and the extent of the damage. And you can do this by requesting a copy of your credit report from any of the three credit reporting agencies.

These are Experian, TransUnion, and Equifax. It’s your legal right to get one free credit report from any of the three agencies every month. Once you’ve obtained the copy, you should go through it meticulously and check whether the negatives affecting your credit score are accurate.

If the negatives are correct, the only available option is to practice better credit habits moving forward. On the other hand, you can challenge them by writing to the bureaus if they are inaccurate.

Q3. Can you repair your credit report by yourself?

Yes. You can do the work yourself. However, it’s important to note that credit repair is a tedious process. It entails writing to the credit reporting agencies repeatedly to challenge the negatives on your credit report. And if you are a busy person, finding time to do this work can be a challenge.

Besides, you may end up opening a collection, thus damaging your score even further. So, if you’ve never done such work before, it would be in your best interest to hire a credit repair company.

The best credit repair company will do the heavy lifting for you, thus saving you both time and effort.

Q4. What do credit repair companies do?

Credit repair companies will first review your credit report to identify whether there is erroneous or negative information. If there are negatives on the report, the company will develop a strategy for restoring your credit.

For example, credit repair companies can write letters to credit reporting agencies on your behalf, disputing the erroneous information on your credit report. They will then follow up with the credit bureaus to ensure the negatives have been removed.

Q5. Is credit repair legal?

Yes. Credit repair is legal in 50 states nationwide. Whether you decide to do it yourself or you hire a credit repair company, it’s your legal right to challenge any erroneous information on your credit report, which may be harming your credit score.

As long as you do it right, you shouldn’t encounter any legal issues.

Q6. How can a credit repair company help my credit score?

Credit repair companies will do almost everything you can do. They will write to the credit repair companies disputing any negative information on your credit report. Credit repair companies can also negotiate with creditors on your behalf to help address the accurate negatives affecting your credit score.

What separates the DIY approach from hiring a credit repair company is that credit repair companies bring years of experience to the table. Having handled thousands of similar cases, they already know which approach to use for every situation.

Q7. Are credit repair companies legitimate?

Yes, the best credit repair companies are legitimate. They will help to repair your credit report using a legal approach. However, you may also come across some credit repair companies that are illegitimate.

Such companies may offer unrealistic guarantees, fail to disclose your consumer rights, avoid answering legitimate questions, or ask you to misrepresent your personal information.

Some illegitimate credit repair companies may also offer to give you a clean slate after paying a certain amount of money – which is entirely impossible. So, make sure you watch out for such red flags when hiring a credit repair company.

Q8. How long does credit repair take?

On average, the credit repair process will take approximately three to six months. However, you should see some notable changes within 60 to 90 days. As you may expect, the exact duration will depend on the extent of the repair work.

If you only have a few negatives to be addressed, then the process will not take long. On the other hand, if your credit report has multiple negatives to be disputed, then the process will take longer.

Q9. How much does credit repair cost?

The cost will depend on the method that you use. You can do it yourself, use credit monitoring software, or hire a credit repair company. If you do it yourself, you will spend around $30 or less, mainly incurred from the letters you send to the three credit reporting bureaus.

If you opt for credit monitoring software, you will spend approximately $200 to buy a reliable one. And if you decide to hire a credit repair company, you will spend around $50 to $150 per month.

Hiring a credit repair company is the most convenient option for most people.


A poor credit score can prevent you from becoming financially secure. It will make it hard to qualify for various types of loans. And if you do qualify for a loan, you will be forced to pay higher-than-average interest rates. So, it would be in your best interests to repair your credit score as soon as possible.

Either you can do it yourself, or you can hire a credit repair company. Hiring a credit repair company is the best option for most people, as they understand how the entire process works. Therefore, they may manage to deliver faster results than doing it yourself.

All the five credit repair companies we’ve reviewed here are reliable and credible. But if you decide to check out other options, make sure you follow our guide.


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