The 6 best credit repair companies of 2021



Society Services Departure costs Schedule of fees Maximum number of issues fixed
Ovation Credit Services Best overall 2 $ 89 First job then monthly costs Unlimited
Sky blue credit Finalist, Best Overall 1 $ 79 Installation costs then monthly 15 items per 35 days
Credit Saint Best Simple Credit Repair Options 3 $ 99-195 First job then monthly costs Varied
The advantages of credit Great for package options 2 No setup costs Monthly Unlimited
Credit people Best guarantee 2 $ 19 Installation costs then monthly Unlimited
AMB Credit Counselors Client education 2 $ 149 Registration fees then monthly Unlimited

Frequently Asked Questions

What is a credit repair business?

When it comes to credit repair, there are many service providers to choose from, each offering to improve your credit score. But according to the Credit Repair Organizations Act (CROA), companies cannot promise results. If you cannot afford to pay for the services of a credit repair company, it is possible to achieve the same results on your own for free.

Credit repair companies can improve your credit score for a fee. These companies review your credit reports and make an effort to remove negative information. This may involve negotiating with your creditors. This can also include disputing inaccuracies with the credit bureaus. As the negative marks go away, your credit score will improve.

Do Credit Repair Companies Actually Work?

Credit repair companies can improve your credit score, especially if your damaged credit history seems too much to deal with on your own. But credit repair companies are not the only option. You can seek advice from a nonprofit credit counselor through the National Foundation for Credit Counseling.

How to check out a credit repair business

Unfortunately, fraud is common in the credit repair industry. Before signing up with a credit repair company, you should always do your homework.

Start by making a list of established businesses. To verify notes with the Better Business Bureau and seeking complaints from the Consumer Financial Protection Bureau database. After narrowing down your list, you can interview each company before making a decision.

According to the Federal Trade Commission, there are several signs of fraud to watch out for:

  • Request large sums of money in advance
  • Discourages you from contacting credit bureaus yourself
  • Told to dispute the correct items on your credit reports
  • Encourages false information on credit or loan applications
  • Ignore your legal rights by explaining company services

The Credit Repair Organizations Act (CROA) states that you have the right to cancel a contract within three days of signing for any reason. If you are having problems with a credit repair company, you can report the problem to your state attorney general or to the Federal Trade Commission (FTC).

In a recent interview with Steve Weisman, an accomplished lawyer and lecturer in law and taxation at Bentley University, he explained that “The Credit Repair Organizations Act (CROA) requires that credit repair companies provide you with a contract. written which details the services they will perform for you and explains your rights under the law, inform you of a three-day right to cancel your contract with the credit repair company, inform you of the time it will take to perform its services and will explain in detail the total cost to you. ”

How much does it cost to repair my credit?

According to our research, most companies charge an upfront fee ranging from $ 19 to $ 149. After that, you can expect to pay anywhere from $ 19 to $ 149 per month for individuals. It can take up to six months or more to improve your credit score, depending on your situation. It is also possible to repair your credit yourself for free.


Finding the right credit repair company can be difficult, which is why we’ve created an objective credit repair methodology. To build our list, we searched for established companies providing service nationwide. We also took into account the reputation of each company and researched enforcement actions. We compared the services, prices and transparency of each company.


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