Top 14 Credit Repair Services: Best Credit Repair Company 2021



Your credit report can affect a big part of your overall life. It can nearly control how you would act financially.

People with bad credit suffer a lot. Be it home loan, car insurance, mortgage cost & value. They eventually have to pay more than others since their bad credit is a factor.

Luckily, there are profound ways to fix bad credit and turn it into a good credit score. People can acquire a hundred new points every year with the help of reputable credit repair companies.

Hang on. It’s not as difficult as you think. You hardly have to do any work. Please sit back and let the credit repair company do its job.

However, this single statement brings many essential questions like whom should you trust? Who is genuine in the market? And how much should you expect to pay them?

We answer every single detail in this guide; therefore, stay with us till the end.

Quick Note: Bookmark this page and come back later to continue reading from where did you last pause.

The Top 14 Credit Repair Services in 2021

Our editorial team has personally researched, evaluated, and analyzed these credit repair companies below. After following the standard metrics, we’ve finally shortlisted them for you to avoid going through any hassle. Here’s what we’ve added:

  • Sky Blue Credit
  • Credit Sesame
  • MyFICO
  • Lexington Law
  • Credit Saint
  • CuraDebt
  • Credit Karma
  • Credit Monkey
  • The Credit Watcher
  • The Credit People
  • Leap Credit
  • TransUnion
  • FreeScore360

Without further ado, let’s get right into discussing the best credit repair services and detailed information about them. is not only the best at what they do, but they also provide a few essential perks for their clients. Here’s what you get for FREE:

  • Credit Score and Summary
  • Negative Item Review
  • Credit Improvement Plan

Once you’ve availed of all these free perks, you can move further to obtain their complete credit repair service plan.

Their working method is the same as we’ve discussed for other companies. They evaluate your overall credit report and identify the areas which have significant issues. After that, they challenge lenders and bureaus to verify and validate the accuracy of these data. According to the law, bureaus must remove any entries they cannot prove. has been working in the field since 2012, and the company has provided 18+ million disputes and challenges since then. Even in 2021, they continue to be one of the top-ranked credit repair companies around the world.

Sky Blue Credit

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Sky Blue Credit has to be many people’s favorite because its pricing structure is super simple and highly affordable.

Individuals have to pay $79 for first work and $79 as a monthly fee. If you go there as a couple, your price comes to $119 in total. The best part about Sky Blue Credit has to be their 90 days money-back guarantee and a free first consultation.

As soon as you sign up for Sky Blue Credit, they will get your free credit reports from major credit bureaus and evaluate them thoroughly. After identifying potential data errors, they will start working on the items that impact more. Sky Blue Credit will also send 1 to 15 dispute letters to the bureau within a 35 days cycle.

The provider services and advises you on improving and maintaining your credit scores, tailored to your needs.

Their credit repair time is approximately six months, and you have the complete flexibility to cancel your services anytime without any penalty.

Credit Sesame

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Credit Sesame helps you with a complete understanding of your credit report and how things work. They give you paths to leverage your credit score. They are reachable to their mobile app as well fr Android and iOS users. Their whole app system is based on the PCM (Personal Credit Management) platform. You’ll be given complete access to monitor and track problems linked with your credit score and overall report through this platform.

Credit Sesame, unlike others, is FREE. Many other credit service providers charge heavy amounts to assess your credit report. After a thorough evaluation, Credit Sesame will provide you a customized plan tailored to your credit score needs. The company will charge you when you benefit from their services; otherwise, their app is free for everyone.


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MyFICO is an official partner of FICO. It is an analytical company that tracks your complete credit score by consuming overall data taken from 3 major bureaus. You can expect a $29.95 advance and $39.95 monthly to MyFICO for their subscription service.

In a nutshell, MyFICO is an all-in-one credit repair service provider where you don’t get just data from one source or two but three credit bureaus. Every lender uses your FICO score already. Therefore, it is crucial to know how they work.

With MyFICO’s membership administrations, you get a total of three-agency inclusion, $1 million of data fraud assurance, every minute of everyday character reclamation administration, and ceaseless observing of your score, credit report, and personality. The solitary contrast between the Advanced and Premier plans is that the advanced arrangement gives you refreshes like clockwork, while the Premier arrangement gives you refreshes each month.

Lexington Law

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Lexington Law is backed by a highly professional law firm and offers a smooth credit repair process with years of experience. They believe that acquiring good credit takes time and effort to determine how bad your credit is.

First, Lexington Law will thoroughly review your existing credit report and identify the parts causing the actual damage to your financial credibility. They don’t just stop there. The firm then challenges creditor and credit bureaus to validate those items if they’re correct. Once it’s done, they keep track of your credit score for a while and identify if new issues appear.

Lexington Law is one of the few on our list that has experience of decades. They’ve facilitated over 70 million removals of bad credit scores from client’s credit. In 2021, they continue to be one of the best go-to options.

Credit Saint

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Credit Saint is an online credit restoration company that confidently claims to be #1 to fix inaccurate data. Like Sky Blue Credit, Credit Saint also provides a free initial consultation making it easy to evaluate their working method.

Again, Credit Saint also offers a 90-days money-back guarantee if you’re unsatisfied with their services. Request a complete refund with no questions asked.

They’re one of the best because of their prolonged experience, educational aspects, and private dashboard.


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CuraDebt has been working in the debt relief field since the year 2000 all across the United States. The company has been renowned for many long years, and they continue to provide relief to their clients for medical bills, credit cards, tax debts, and other critical financial debts.

CuraDebt has served over 200,000 clients over the last 20 years. You can imagine how good they are at what they do. One most delicate part of their services is that they offer a free saving estimation to see how much you can save before investing.

CuraDebt is a top-of-the-line obligation alleviation organization that could facilitate the monetary weight when you need it most. The group at CuraDebt has more than 100 years of consolidated experience tackling charge obligation issues, zeroing in on charge goals, review safeguard, complex goals, halfway installment plans, and non-collectible goals. One of the unique approaches to further develop your FICO assessment is to pay off your obligation. An obligation alleviation organization like CuraDebt can help altogether lessen the measure of cash you owe, assisting you with rapidly raising your FICO assessment.

Credit Karma

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Credit Karma is today’s top-rated credit repair company which our editorial team personally admired. The company offers but is not limited to credit repair services and other credit-related products to their customers. Like Credit Sesame, Credit Karma is also available on a mobile app for Android and iOS users. Join their community of +100 million users globally, taking benefit from their services.

Credit Karma is somehow comparable to Credit Sesame because they also give free insight into your credit score and report in return for your word of mouth to others. Credit Karma keeps you connected throughout your credit score improvement so that you can, later on, manage it by yourself. They also offer loans, accounts, auto financing, credit card, saving opportunities, mortgages, and much more.

Credit Monkey

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Credit Monkey can be reached online at for all your credit repair needs. They are accessible in all 50 states for $99 to $499 per month. You’ll be amazed to see the meaningful results after their work is done.

Credit Monkey said that according to their evaluation, 89% of clients’ credit reports contained serious errors, which somehow links to collection issues, bankruptcies, charge-offs, and late payment rolls. All these issues can negatively impact your credit score and report.

Credit Monkey has six different plans for its clients. The more you get involved with them, the more you can remove bad credit from your report. $99 is their basic monthly plan which will remove around five negative items from your credit report. Isn’t that great? $499 is their highest pricing plan which involves everything needed to turn your bad credit into good. It includes removing negative items, five active credit cards, a $10,000 credit line, and public records.

The Credit Watcher

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The Credit Watcher can be your go-to source to access your three credit scores from 3 major credit bureaus. This gives you access to acquire your credit reports daily. Like Credit Sesame and Credit Karma, Credit Watcher facilitates its users by monitoring and reporting their credit score and overall report.

Giving you complete access to your credit score and report allows you to keep track of them over time. You can easily avoid getting bad credit through this process.

The most significant disadvantage of The Credit Watcher is the cost: at $39.90 each month, the organization gives comparable data to the free credit observing administrations above. The organization doesn’t give you similar customized offers as Credit Sesame and Credit Karma. However, you pay a premium to try not to have your data sold.

The Credit People

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TheCredit People is yet another middle-ranked credit repair company that anticipates and commits that clients upgrade their credit score by 53 to 187 points after using their services. You can find reviews about them on Consumer Affairs and other renowned reviews sites. People have said some positive things about them.

Until today, Credit People has removed more than 1.4 million credit issues from customers’ credit reports and made them ranked too by credit scores. After using their programs, 71% of clients could get home loans approved 81% approved for new credit. These stats were luring, which made us add them to the list.

Connect with The Credit People on online and get your credit scores today. The company guarantees the results within 60 days by taking some much-needed steps towards bettering your credit score. Although The Credit People appears to be another assistance, the site has existed for a very long time. With credit fix services beginning at just $19, The Credit People is one of the top credit fix services accessible today. The company offers fixed benefits that blow away the observing services above.

Leap Credit

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Leap Credit can be reached out online at They make everything easy for their clients, knowing the urgency of money they need for specific purposes. Starting from an easy application process to getting it approved fast, they help you go through each funnel step by step. As long as you’re 18, a US citizen, and have a stable source of income, you should not face any issue opening an account to get a loan with Leap Credit. The company will deposit money into your account within as few as two business days.


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TransUnion comes under three main credit bureaus in the United States, including Equifax and Experian. Along with offering credit repair services, TransUnion also offers credit protection services. The client has to subscribe to TransUnion’s subscription for under $25 every month and get a hold of the tools like CreditCompass and Credit Lock Plus. Let us give you a brief introduction to these tools. CreditCompass can be used to point your credit score on the right path. While Credit Lock Plus lets you access your TransUnion reports in just a few clicks. These tools save you from further and future damage.

Another advantage of TransUnion’s membership is ID burglary protection. Endorsers get $1 million of data fraud protection. If somebody utilizes your data and costs you cash, TransUnion will repay you. Also, TransUnion has many instruments to assist you with fixing and dealing with your credit with free ID insurance and different advantages.


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FreeScore360 is highly convenient for today’s era. They provide your credit score from all three major credit bureaus in exchange for a $29.95 per month subscription charge.

Avail the free seven days trial of FreeScore360 with no hidden charges and get complete access to view your credit score. On the 7th day, they’ll charge you $29.95 every month and continue ongoing monitoring until you cancel. Your monthly subscription gives you access to FreeScore360’s ScoreSense system. It includes daily credit monitoring and signals.

FreeScore360 comes with great benefits. It might not be one of the best-ranked credit companies, but they never miss to benefit their clients with outstanding services. Also, one added benefit is that they charge less than other credit repair companies on the list.

How Did We Rank These Credit Repair Companies?

Credit repair companies mentioned on this site are all reputable, proven, and verified from renowned sources. However, not every company you see on the internet lives up to the expectation of their customers. Therefore we used the following metrics to distinguish the genuine credit repair companies to add to the list.

Credit Score Improvement

You approach a credit repair company to improve your credit score. Therefore while analyzing any credit repair company, first ensure their credibility to increase the number of points in general. That is how we found out that good credit repair companies can improve your credit score by 100 points.

Price & Value

While some people can afford to pay thousands for acquiring a good credit score where others simply can’t. Therefore the value for money was our top priority while listing the companies in this guide.

Transparency & Honesty

Wouldn’t you want your credit repair company to be sincere and transparent with you? Companies that don’t make fake promises and shady commitments to their customers. Therefore, we did not fall for fake advertisements and personally investigated every company to ensure we added only the best honest people to a list.

Accurate Estimated Credit Score Increases

The best credit fix organizations track the average number of focuses by which they further developed clients’ financial assessments., for instance, gives an expected FICO assessment increment of 53 to 187, given the average increment from past clients.

Repairs versus Monitoring

Along with improving your credit score, some credit repair companies also monitor your overall credit report. Therefore, we included both. However, our primary focus was always on adding reputable repair companies that improve your credit score and transform your bad credit into good.

Credit Repair Methods

Companies who promise to challenge the credit bureaus for verifying and validating the existing data to see whether fat is accurate or incorrect are not doing a big deal. This is an easy task. This can quickly happen by contacting any of the three major credit bureaus in the states. The best credit repair companies go beyond their limitations, resolve those challenges, and prove the credit bureaus wrong.

Satisfaction Guarantee & Refund Policy

Not every parent company promises the results. However, the companies that you will find in this guide claim a 100% money-back guarantee if you don’t find their services effective and satisfactory. This is way better than promising something and then not fulfilling it.

User Dashboard, Interface, and Overall Support

Having a dashboard in their company system makes everything incredibly easy for the customers to monitor and manage their credit score ten comprehensive reports. Therefore a company with a dashboard for the design was added to our list.

Company Experience & Reputation

Companies like Lexington Law have nearly two decades’ experience, and the credit repair field online is legendary, and we highly respect their presence in our recommendations. Other companies also have relevant experience in the field, and our second top priority was experienced, considering how sensitive the matter can be.

10 Amazing Benefits of Improving Your Credit Score

Having a good credit score can change your life from a financial perspective. You can be eligible to get any loan for a home, work, or travel.

It makes everything easier and smooth to run the home and get a mortgage. It improves the probability of getting a job more manageable. Also, it can save you from so much hassle and thousands of dollars that you would have spent otherwise.

These are just the primary benefits. Read out the list below to find some fantastic perks of having a good credit score:

Marry Your Dream Person

58% of Americans have announced and declared that they will not marry somebody having a financial debt in the past. Some people are as severe as you would think. They can get your credit report verified from a reputable company to know if you have any tap or your score is good. Therefore, getting your credit score repaired and improved will help you get married to your dream person. Don’t let the bad credit take away your happiness and desire.

Get Cheaper Auto Insurance

$2,100 is what an average American pays for their car insurance. Let us be clear. We are talking about an average American with a good credit score who can expect to pay $1,450 every year. Good credit reports allow the companies to calculate the premiums in almost every state using your credit score. Logically, practically, and statistically, people with bad credit suffer a lot, and if they don’t approach a reputable credit repair company, they might keep suffering for a longer time.

Obtain Better Credit Cards & Higher Limits

A credit card can solve many problems on the go only if you get the desired credit limit. That is easily possible if you have a good credit score. When applying for a loan or a credit card, the bank constantly analyzes your past financial history and current eligibility. If your credit score is good, it simply portrays that you will pay to adduce under the given time with no delays. Therefore the company and banks offer perks and other benefits to maintain excellent customer relationships. Good credit can earn you a credit card of $25,000 limit.

Get Cheaper Mortgage Rates and Easier Approval

The mortgage is always an issue with almost everybody. But it can be worse with people having a bad credit score. You are less likely to obtain a mortgage. And even if you get one, you are most likely to pay higher rates than others. It can get thousands of dollars to your total sum of money. Therefore, improving a bad credit score should not be an option but a priority to follow.

Obtain Easier Approval When Renting a Home

If you lease, then, at that point, you’re accustomed to having your FICO rating checked. Many landowners and property executives’ companies require a credit report. If you have a terrible financial assessment, you could battle to lease a protected and reasonable cost. The board organizations will consistently pick candidates with better financial assessments with equivalent remaining variables, landowners and property.

Possess A Superior Negotiating Power

People with bad credit cannot negotiate with their lenders. Any rate that your lender gives you should be final, and you should accept it willingly. Bad credit does not give you much power. Your lenders take advantage of your situation because they know you don’t have many options. Having no negotiating powers negatively impacts your financial decisions, which eventually forces you to upgrade your monthly and annual budget.

Walk With Better Confidence

Good credit shows your responsible personality towards your financial responsibility. It shows the people around you that you are responsible and mature enough to keep your credit score on point. Good credit gives you the bragging rights. Even if not many people know about it, good credit surprisingly gives you exterior confidence.

Pay Inexpensive Homeowners Insurance Premiums

Homeowners’ insurance can cost you a lot, approximately thousands every year. If you are a homeowner with bad credit, you might have to run to a reputable credit repair company. Otherwise, you will end up paying twice what you should have paid. Insurers believe in the fact that homeowners with bad credit will not pay their dues on time. Therefore they charge higher from them.

Pay No Security Deposit on Utilities

Paying a security deposit on utilities is a must for people holding credit. Because for utility companies, you are struggling to make your ends meet. Therefore they cannot take any risk of lending you money or allowing you to clear your utility bills without paying a security deposit. A security deposit can cost you anywhere from $100 to $300. Now you know what you are getting yourself into by not repairing your credit score.

Get Better Cell Phone Rates

Qualified lenders can expect better rates from the cell phone company. Lenders with good credit scores can get their desirable cell phones on contract without paying a security deposit. Isn’t it amazing? Having a cell phone at a lower price is also possible if credit repair has been done. And now companies can start to trust you again.

The Top 14 Credit Repair Services in 2021 Conclusion

Every other American has at least some issue in their credit report. It is directly and indirectly negatively affecting their financial decisions. Bad credit can make things challenging and impossible for you. The most unfortunate cases cannot get their dream job or apply for a rented place because they have bad credit.

If you are having such challenges in improving your credit report, you must approach any of the above-mentioned credit repair companies because they all are original, experienced, and genuine.

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The links contained in this product review may result in a small commission if you opt to purchase the product recommended at no additional cost to you. This goes towards supporting our research and editorial team, and please know we only recommend high-quality products.


Please note that any guidelines or advice published here are not even remotely a replacement for sound medical advice from a licensed healthcare provider. Ensure to consult with a professional doctor before making any purchasing decision if you use medications or have concerns following the review details shared above. Individual results may vary as the Food and Drug Administration has not evaluated the statements made regarding these products. The efficacy of these products has not been confirmed by FDA-approved research. These products are not intended to diagnose, treat, cure or prevent any disease.


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