The Best Credit Repair Companies of 2021

Disclaimer: We provide free content for our users. But, we can earn commissions when you click on affiliate links to one or more of our advertisers. Learn more about how we make money.

Published by: Ricky Ingram

Is bad credit keeping you from buying a house or getting a loan? We grasp how frustrating that process is. A few missed payments and debt landed you in that pickle. And while all hope may feel lost in raising your score, just know that it is possible! You can apply for loans to make big purchases after help from the best debt solution company. The first step is finding someone to help.

Finding good agencies to raise your scores helps you with any “big purchases” you may need to make in the future. For example, if you are planning on moving soon but can’t due to low scores, getting a fast credit repair to help with a mortgage can be very valuable. If your credit score is suffering, you can change that today. Start by finding the best credit repair company.

The Best Credit Repair Companies of 2021

  • Lexington Law: #1 App Clients Use
  • Credit Saint: #1 at Disputing Inaccurate Report Data
  • Sky Blue Credit Repair: Three-Month Condition-Free Warranty
  • CreditRepair.com: Settled 19 Million+ Challenges & Disputes
  • The Credit Pros: Best with Technology
  • The Credit People: Best in Customer Reviews
  • Ovation Credit Services: Best in Affordability for Clients

Lexington Law

  • Utilizes digital partnerships for faster outcomes
  • The most popular credit repair app on Android and iOS
  • Founded and operated by attorneys
  • A Progrexion Holding Inc Consumer Brand
  • Highly experienced with 221M+ challenges since 2004
BBB Rating: C
Setup fee: $89-$129
Monthly fee: $90-$130
Pros
  • Offers coaching to encourage good credit behaviors
  • Leverages each angle of the law for better success
  • Known for fast and effective disputes
  • Monitors each aspect of the service through the app
Cons
  • Packages have become expensive
  • No service guarantee or refund policy
  • Not BBB Accredited

This repair law firm offers three plans that vary based on price and different repair needs. The three packages (Concord Standard, Concord Premier, and Premier Plus) cost between $89.85 and $129.95 a month.

Package breakdown:

  • Concord Standard — $89.95 a month: the basic package includes bureau challenges and other disputes.
  • Concord Premier — $109.95 a month: the next option offers slightly more. It consists of everything in the Concord Standard plan plus a score analysis, TransUnion messages, and extra benefits that help you stay vigilant with your repair growth.
  • Premier Plus — $129.95 a month: the most detailed package comprises everything in the Concord Standard and Premier packages, along with dispute letters, Fair Isaac Corporation (FICO) score analysis, identity protection, and more.

One of this company’s beneficial attributes is that it has a free app for its customers to use! The app helps clients monitor their debt repair growth as aid from the selected package begins to work. The company built the app to create a more user-friendly experience for clients than the Lexington Law desktop page.

Lexington Law has several positive attributes, and the law firm has a lot of ratings through the BBB (Better Business Bureau), but you should note that they are not accredited. The company’s BBB rating is a C, and its repair customers’ ratings average 2.1 out of 5.

Credit Saint

  • Consistently ranked as the top service on finance sites
  • Offers unlimited challenges per dispute cycle
  • Tailors services and disputes to each situation
  • One-to-one inquiry assist process
  • BBB Accredited
BBB Rating: A-
Setup fee: $99-$195
Monthly fee: $80-$120
Pros
  • 90-day refund policy means a worry-free service
  • Offers education on other ways to optimize scores
  • Intuitive dashboard for tracking challenges
  • Responds to complaints with care and attention
Cons
  • Setup fees are above industry rates
  • Only available in 39 states

Credit Saint offers a three-month guaranteed full return of your purchase if you are not content with the results. This debt repair company has “top-rated services” for clients, like 24/7 access to the repair specialist clients are paired with and a dashboard with an analysis score that reflects how the disputes are working.

Just like Lexington Law, Credit Saint has three options for you to select depending on your financial position and the services you require.

  • Credit Polish — $79.99 a month: this is the basic plan that includes challenges to the three top bureaus, score analysis, creditor interventions, and the score tracker.
  • Credit Remodel — $99.99 a month: this is the middle package containing everything from Credit Polish in addition to inquiry targeting and Experian monitoring. With the Credit Polish plan, you may only choose up to 10 incorrect items from every dispute cycle you try to remove.
  • Clean Slate — $119.99 a month: this is Credit Saint’s priciest but most popular plan. It includes everything from the first two packages, but the main difference is that you get to challenge an unlimited number of inaccurate items.

If you want to see the progress made on your score through this company, you can check the updates in the personal dashboard Credit Saint assigns each of its clients. Credit Saint is accredited by the BBB with an A rating. As for the customers, they gave it a 2.7 out of 5.

Sky Blue Credit

  • Offers one credit repair package at $79
  • Provides a 90-day money-back guarantee
  • Its 35-day dispute cycle includes 15 disputes
  • Helps customers research on Statute of Limitation Laws
  • Fully-featured packages with creditor inventions
BBB Rating: A+
Setup fee: $79
Monthly fee: $79
Pros
  • Flexible billing management with pause & resume
  • Reputed for being honest and helpful
  • Plenty of tutorials, tips, and How-to guides
  • Simple and clear 90-day satisfaction guarantee
  • Fees for the top plan are lower on average
Cons
  • No finance tools or ID protection
  • The website lacks team profiles

Sky Blue Credit promotes four steps on its website: registration, signing up, challenging items, and raising your score.

Sky Blue has only one plan for clients to select, unlike the previous companies on the list. It gives clients three months to ask for their money back if they are not satisfied with the results. This company charges a  fee of $79 a month for its services instead of offering various plans.

Sky Blue offers the following:

  •  A specialist working over your disputes
  • Five disputes per bureau in 35 days
  • Disputes tailored to your information
  • Score assistance
  • SOL research
  • Score rebuilding
  • Debt validation
  • Goodwill letters
  • Cease and desist

Another plus of this company is that you have the flexibility to pause, resume, and select your billing date whenever you need it. This can help you manage your budget, which is exactly what you need while trying to improve your score.

If you are unsure if this company is the one you should work with, know that they do not help people who are legitimately in debt or who have filed for bankruptcy. However, if you just need to improve your score and have someone look through your reports for inaccurate data, then this trusted repair company might be best for you.

Sky Blue Credit Repair is not a BBB accredited company, and it has a C rating on BBB. Among customers, it has a high rating of 4.27 out of 5! Sky Blue should be considered due to its customer ratings and low cost.

CreditRepair.com

  • Offers a credit improvement plan during the free evaluation
  • No long-term contracts - cancel any time
  • Provides mobile apps for case tracking and report updates
  • Reviews reports and items before recommending a package
  • 1 Million+ interventions since 2019
BBB Rating: D
Setup fee: $70-$120
Monthly fee: $70-$120
Pros
  • Saving money on the Direct plan at only $69.95
  • Lots of freebies during the free consultation
  • Utilizes the same technologies as Lexington Law
  • Sends updates thru text, apps, and email
Cons
  • Not highly reviewed by users
  • Lacks a money-back promise
  • Not BBB Accredited

CreditRepair.com is a service with lots of experience to back it up. It also offers commitment-free services like consultations and an improvement plan, so you can visualize what needs to be disputed before you even make the decision to retain Credit Repair’s services. The company also will show you in your free consultation what items you can dispute for free.

CreditRepair has three packages to choose from with varying prices.

  • Direct Package — $69.95 a month: this basic package includes “bureau challenges, inquiry assists, goodwill intervention, and quarterly score updates.”
  • Standard Package — $99.95 a month: this package includes everything from the first package with the addition of “monthly score updates, more bureau challenges, more creditor interventions, and cease interventions.”
  • Advanced Package — $119.95 a month: this higher-cost package consists of everything from the first two packages plus “monthly score updates, more bureau challenges, more creditor interventions, and cease and desist interventions.”

Services from this business typically take about three months before the progress is reflected in your score, which you can track through your own portal that your repair specialist sets up for you.

Creditrepair.com has a low BBB rating of a D and is not BBB accredited. However, it has great customer reviews. They have been in business for 9 years and have removed over 1.8 million items from customers’ reports. If you want to know more about its services, you can call one of its numbers for a free 10-minute analysis.

The Credit Pros

  • Provides an AI-Driven credit management system
  • Staffed by FICO® certified experts
  • Unlimited disputes on all credit repair packages
  • BBB Accredited Business
  • Plenty of extra features with each package
BBB Rating: B+
Setup fee: $119-$149
Monthly fee: $69-$149
Pros
  • Launches more disputes during each billing cycle
  • All plans include access to their legal network
  • Facilitates credit building thru National Direct
  • Personalized help at all stages
  • Book a convenient time to receive the free call
Cons
  • Charges a setup fee of $119 for their $69 plan
  • Few credit education resources
  • Lacks a clear website and performance stats

The Credit Pros have the benefit of being a data-driven company that strives to create the best outcome possible based on your position. While you work with them, they offer score monitoring so you can keep up with your repair growth.

This company features unlimited dispute letters, and unlike the rest, it has four packages to choose from:

  • CreditSentry Monitoring — $19 a month: this plan covers many services, including several aspects of ID monitoring (dark web protection), TransUnion score monitoring, and more financial information. It’s a basic plan with not a lot of services.
  • Money Management — $119 a month: this next package features a lot more than the first, such as bill reminder systems and a debt monitoring system.
  • Prosperity Package — $119 a month: covers everything from the CreditSentry and Money Management plans, but not National Credit Direct.
  • Success Package — $149 a month: the highest-cost plan covers everything from the previous packages along with National Credit Direct and a feature where you can save up to 80% on medication.

The Credit Pros is a company that has been around for 12 years. It has a BBB rating of A- and a customer review rating of 2.85 out of 5. There are several options you can choose from based on your budget limits and what features you would benefit from using. Inc. Magazine ranked it as one of America’s fastest-growing companies.

The Credit People

  • Refunds the last month’s payment to unsatisfied customers
  • Score tracking on TransUnion, Experian, and Equifax
  • Good track record of more than 15 years
  • Unlimited custom challenges
  • Offers a flat-rate six-month subscription at $74 less
BBB Rating: C+
Setup fee: $19
Monthly fee: $79
Pros
  • The lowest setup fee in the industry
  • Provides help beyond credit repair
  • No complex pricing options making it easy to start
  • Toll-free customer service lines
  • Mid-term cancellation without any charges
Cons
  • Free consultation doesn’t include a lot of value
  • No profiles or credentials of its experts

The Credit People has a lot of success to prove that it is a good repair company. The company’s website promotes its “unbeatable satisfaction guarantee” for better reports and higher scores. This company has two packages for you to choose from instead of three or four, like most companies on this list. Each package includes the same features but with different pricing models.

They feature a monthly and a flat-rate membership.

Monthly — $19

Flat-rate —$419 for six months of service.

Both packages include the following:

  • 24/7 account access to track your progress
  • Free report and scores
  • Score-driven results from data
  • Unlimited disputes
  • Creditor communication
  • Certified FCRA
  • Debt validation, and more

What makes this credit repair company different from the rest of the best repair companies of 2021 is that this firm offers one of the lowest rates. You can start with them for just $19 a month if you choose the monthly package, which comes with everything you need to help rebuild your score.

The Credit People have a BBB rating of C+ and an average rating of 1 out of 5, but this may be inaccurate since only four people have reviewed the service on BBB.

If you think this might be your best fit, give them a call.

Ovation Credit Services

  • Utilizes a proprietary electronic disputing system
  • Became a Lending Tree subsidiary in June 2018
  • The month-to-month contract allows users to cancel anytime
  • Sends recommendation letters to potential lenders
  • Offers unlimited dispute letters per billing cycle
BBB Rating: A+
Setup fee: $89
Monthly fee: $79-$109
Pros
  • More disputes per cycle with no limits
  • Updates from a personal case manager
  • Launching disputes by ordering fast-track
  • Qualify for a wide range of discounts
  • Unfiltered reviews directly from their website
Cons
  • Stopped updating their education center
  • No money-back guarantee
  • No mobile apps

This company’s services promote “comprehensive and personalized repair services” on its website, which means it tailors how it operates to meet your needs. Ovation offers a free consultation and a report summary to help you make your decision.

They remove a multitude of significant hits that will have a considerable impact on your score, such as:

  1. Late payments
  2. Collections
  3. Foreclosures
  4. Inquiries
  5. Charge-offs
  6. Judgments

To start, a repair specialist will speak with you and collect your information to see what needs to be disputed. Then you will work with a personal case advisor one-on-one. They have a portal called “Case Management Website” that is open 24/7 so you can communicate with your advisor and track your progress.

This company offers two service plans to its clients: The Essentials Plan and the Essentials Plus Plan.

  1. Essentials — $79 a month: offers personalized dispute options, a personal case advisor, and financial management tools.
  2. Essentials Plus — $109 a month: offers everything from the Essentials Plan in addition to unlimited challenge letters, unlimited goodwill letters, official Ovation recommendation letters, and TransUnion credit monitoring.

If there are several significant items to dispute on your score, then the Essentials Plus package is the right one for you.

The great thing about this debt repair company is that it has high BBB and customer ratings. Ovation Credit Services has a BBB rating of A+ and a customer review rating of 3.74 out of 5.

What is credit repair?

Have you ever gotten a speeding ticket before, and instead of having the ticket stay on your record, you’ve found a way to erase it, for example by taking a class or performing community service? Debt repair is very similar. You can’t partake in community service or take a class to erase negative items on your credit report, but there is an action you can take!

Debt repair may be necessary if your transaction history takes a hit from repeated missed payments and bills, and your credit score becomes so low it prevents you from getting loans from the bank. While low scores don’t look good, you may be able to raise them through services like repair companies that investigate your reports and history to remove items that are keeping your scores low.

Trusted solution companies use an outside party to help clients get rid of items on their record that have caused their score to sink. These organizations work to raise your score by removing inaccurate information on your report.

In essence, debt repair does what the title suggests: It restores clients’ financial standings to good so they can make more purchases or get approved for better rates on loans.

How do credit repair services work?

Did you know that you are able to legally retain a record of your financial history to check its accuracy? Now you do!

Every 12 months you are allowed by law to obtain records from the three biggest national credit bureaus for free for your keeping. These are the same bureaus that credit repair companies will check:

  1. Experian
  2. Equifax
  3. TransUnion

To successfully erase your bad financial history, these companies need access to important documents of yours that credit bureaus have obtained over the years. The bureaus we just looked at are the ones credit repair companies will look at, but not every bureau will hold the same information about you, and some may have no information at all. That is because the creditors that worked on your case may not report to all of them.

Once credit repair companies get a hold of this information, they look to find inaccurate data on your reports that are responsible for your lowering score and credit hit. Once they’ve found these items, they either delete them from your record or find a way to justify them so that things can work in your favor.

They also look at reports such as:

  • Bankruptcies
  • Failure to pay taxes
  • And charge-offs.

When it looks like you aren’t doing so well at keeping up with your finances, taxes, and money owed, it’s going to damage your credit reputation. Giving these credit repair companies access to reports with this information can help improve them and make you eligible for loans, apartments, houses, cars, or anything else you’ve had your eye on but haven’t been able to get because of your credit situation.

Debt repair can be tricky or even impossible if the information on your reports is proven to be accurate.

When you work with a credit repair company, it may take a while to see the results. Sometimes you may see little to no results.

How long it takes to see results from legitimate credit repair companies varies depending on what your credit report looks like. There are several steps to how credit repair companies work, and it generally looks like this:

  1. Receive credit report
  2. Begin filing dispute letter(s) to credit bureaus
  3. Get a response from a credit bureau
  4. Work on repairing your credit simultaneously with you.

Getting the credit report takes no time at all. It’s the quickest step. It takes between one to two hours to get the full report and identify what should be fixed.

After you get your report and your credit repair specialist walks you through it, depending on how many errors there are, the next step is to write dispute letters to credit bureaus discussing these errors and requesting that they fix them. Writing the disputes does not take much time. However, waiting for a response might take a little while.

Depending on how many disputes you file, you may be waiting anywhere from three to six months to hear back from the bureaus. They say it’s a 30-day wait for every dispute you file, so if you have several, don’t set a timer.

While you’re waiting for a response from the bureaus to resolve issues with your report, there are some simple things you can do yourself to boost your credit score. Try to stay on top of your payments, use a free credit monitoring tool that shows you where you are in terms of your credit, and get more credit lines that you can properly manage. All of this can help you rebuild your credit score.

Just because you’re waiting for a response from a credit bureau does not mean you can’t be proactive in rebuilding your score. It may take a long time to hear back from the bureaus, even if you chose one of the best credit repair companies in 2021. While you wait, continue building your credit yourself, so you can give an extra boost to your report before the resolutions start to come in.

Tips for choosing a great credit repair service

Repairing your credit may sound like a no-brainer when it needs fixing after taking several hits, but you shouldn’t jump on the first company you see. Repairing your score is a big deal, so you want to make sure the company you choose knows what they’re doing and that you can trust them. You can make this determination by doing some in-depth research. You also want the best credit repair services for your unique situation.

Just like with anything, you could potentially fall victim to scams when looking for a credit repair service, so you should keep your eye open for red flags when comparing companies. A way to do this is to look at reviews and find the best-rated credit repair companies out there.

The Credit Repair Organizations Act (CROA) went into effect in 1996 and laid out the rules for how credit repair companies should conduct business. The guidelines are set in stone, and there are certain things they should never do.

The CROA requires credit repair companies and employees to do and report the following:

  • Notify customers that they can act upon their credit report information freely.
  • Sue the organization they work with for violating CROA guidelines.
  • Under CROA, credit repair companies are NOT allowed to do the following:
  • Advise clients to change their identity
  • Guarantee the removal of information from a credit report (* note: if a credit repair company offers this guarantee, it’s a major red flag!)
  • Advise clients to make false statements
  • Charge fees for services that have not been used.

It’s essential to keep in mind that while working with a credit repair company seems like the intelligent thing to do when trying to improve your credit stance, nothing is guaranteed. Just because you work with an organization does not mean things will automatically get better for you. Mistakes may occur, and the company may not find anything at all that they can remove from your report. Accurate information does not budge.

Credit Repair Companies

If you are thinking of working with a credit repair company, you should study their services and reputation before deciding to pull the trigger. Credit repair companies do not do anything that you cannot do yourself, so if you would like the professional help of credit repair companies, be sure to choose a company that has a proven reputation by looking at their credit repair reviews.

You don’t want to go with a company that seems sketchy or doesn’t have a great reputation. The best credit repair company will have excellent reviews that demonstrate its competence. It should also have been in business for several years. The proven experience will make you feel comfortable and confident that you have chosen the right company, and your credit repair specialist will likely be able to find several loopholes to boost your score.

To choose the best credit repair company, you need to compare the top credit repair companies to see what they offer and their differences. Find out which company has been around the longest and provides you with the best chance for instant credit repair.

When you choose the credit repair company you want to work with, ask yourself these questions:

  • Do they offer affordable credit repair services?
  • Do they offer fast credit repair services?
  • Do they offer instant credit repair?
  • Are they the best out of the top credit repair companies?

Credit repair agencies should offer reputable credit repair services such as free consultations, adhere to CROA laws, and offer some kind of assurance with fee cuts if they do not perform a certain way. These are the best credit repair companies to work with.

 

Frequently Asked Questions

If you are filing disputes with a credit repair company, expect the process to take between three and six months. If you have few report mistakes to fix, you may be done sooner than this. It all depends on the client and their report standing when a credit repair specialist takes a look. It also depends on which of the disputes you send get accepted by the bureau.

We get it; life is busy. Sometimes we forget things. But when you fail to pay bills on time, there can be negative consequences like a significant hit to your credit score. Late payments are annoying to have on your report, and it is something most clients look for their repair specialist to remove. When a credit repair specialist looks through your report and finds a record of inaccurate late payments, then you may be in luck! These can often be disputed and removed from your credit report. Accurate late recordings have a different outcome. They, sadly, cannot be removed.

Even the best-rated credit repair companies cannot remove accurately reported late payments, so it’s best to keep track of all your payments and pay them on time, so you do not continue to hurt your score.

You’ve landed yourself in a predicament due to finances, and now you have to pay more for an instant credit repair company. No fun. Luckily, there are options for you to find a low-cost debt repair company.

The cost will vary from agency to agency, but fees can vary from $19 to $149 per month, depending on the package option you choose. Since it takes several months to see results, you will be paying for that entire duration. If the price is an important factor for you, look for the best repair company that offers excellent services with great payment options.

Of course, if you want to save money you could try to repair your score for free, but if you want to make sure you catch all the errors, hire a good credit repair company that offers free repair services like consultations.

You want to see what you and your credit repair specialist will be working with, which will give you an idea of how the company handles its finances.

To make sure you do not choose a company that scams you out of more money, there are several red flags you need to look out for. The first is asking you to pay everything upfront. This is a big no-no since it violates CROA laws against charging for services that have not been completed. If a company you are looking at has this policy, run the other way.

Do not pay for a credit repair company that promises or guarantees that it will remove anything from your report. It is never certain that anything will be removed from your report, and accurate information can’t be removed at all, so this is another red flag to keep in mind.

One of the critical steps in repairing your credit is filing disputes with credit bureaus. If a credit repair company advises you to bypass this step, choose another company. This is another major red flag and likely means that something fishy is going on with this company.

Repairing bad financial history is something we all want to accomplish swiftly, but the fact of the matter is that it cannot be done overnight, or even in a week. It is a process.

After connecting with a debt repair company, you can take matters into your own hands and speed up the process of repairing bad credit through several methods.

Paying your bills on time is the most significant step in repairing your credit since this proves you are on top of things and responsible. It shows that you take care of your money. When you want to borrow from credit lenders, your history of paying bills on time shows the lenders what they can expect from you.

Think of it as a reputation. Do you know someone you have a negative opinion about because of things they’ve done in the past? Paying bills on time works the same way. If you miss a payment here and there, you’ll be fine. But if you constantly miss them, it affects your credit score.

If you continue to pay other bills such as utilities and cell phone bills on time, this will help increase your credit score, too.

Another quick way you can repair your score is to pay off the debt you have and keep your balances on credit cards and other credit lines low.

If you are struggling to pay off your debts because you have several, you should use the debt snowball method.

In a nutshell, the debt snowball method is when you focus on paying off your smallest debt. Once you have paid it off in full, add the amount you were paying on your smallest debt to the amount you’re paying on the next smallest debt, and so on.

Rebuilding your credit score and history is a process that will take some time, but if you take action on your own while simultaneously using a credit repair company, you can make good progress on improving your credit score.

Our methodology for rating credit repair companies

We compiled this list of the top credit repair companies in 2021 based on the companies’ BBB ratings, customer reviews, and our interpretation of the policies, procedures, and outcomes of each business.

After a thorough analysis of how to best improve your financial state and looking through the top law firms, we’ve determined that these seven businesses are the best credit repair companies to start your score improvement process.

Your budget was also taken into consideration when comparing pricing between the different services and their various plans. Since your finances are probably already on shaky ground if your score is low, making the right financial decisions to avoid any further damage is vital. Most of these companies offer low prices for their basic packages.

The most significant consideration when trying to determine the best credit repair firm is how trustworthy the company is, which you can tell by looking at reviews, the amount of time the company has been around, and its success rate. We believe these seven businesses pass the test for being great credit repair companies for you to work with to build your credit back up.

However, remember that working with credit repair companies does not automatically guarantee improvement if there is no inaccurate data to report in your history.

Conclusion

Fixing your score is crucial since it affects your personal financial life. Without good credit, you might not be able to buy the things you need. Finding a good repair company can help you make sure you take proper steps in improving your financial situation accurately and swiftly. Pay to fix your credit soon if you are harboring unneeded financial stress. If you are looking at improving your finances, choosing the best repair company in 2021 will get your score to where it needs to be.