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Best Credit Repair Companies Online: Top 5 Credit Repair Services in Your Area.

Hiring a credit repair company is one of the best decisions you can make if you have a bad credit score. They will not only save you from the laborious task of fixing credit report errors, but they will also save you a lot of time.

However, you need to know what services to look for before picking a legitimate credit repair company, because, even among reputable credit repair companies, it is difficult to tell which one will work the best for you. To help you make the right choice, we have curated a list of the best credit repair companies.

How We Made the List of Top Credit Repair Companies

We began our research by compiling a list of all of the credit repair companies with a good reputation. With a vast number of companies offering reliable services, our list grew lengthy.

Therefore, using strict criteria, we tested each platform on the list to find the best ones.

We went through all of the details available about the companies, and then, we studied all of the features they offer and the results of their work.

Furthermore, we analyzed if the companies provide value for the money paid by customers. We also surfed through numerous client ratings, reviews, and testimonials from across various third-party websites.

Moreover, we eliminated company names from the list if they did not have enough reviews to support their claims. We even reached out to several clients to learn about their experience with the company.

Next, we eliminated company names that did not match up to our high standards, and we sourced information on the companies from niche experts and long-term clients before making a final list.

Then, we further cut down our list to only the top five best credit repair companies.

What We Looked For

We considered several factors when making this list of the best credit repair companies. You can read through them below.

  • The company should be legitimate and adhere to the local laws. Plus, they should not violate any FTC rules and guidelines.
  • The companies should have a record of solving general problems regarding negative credit scores.
  • We considered the company’s experience in the industry. This is vital since a company having more experience will be better at handling your credit.
  • The company should not have a record of removing negative information, since it is illegal to do so.
  • Credit companies will generally review your report before confirming if they can help you. This review consultation is better if it is free.
  • They should effectively communicate the available options to the client. This way, you can make an informed decision with all of the options at hand.
  • Do they offer a performance warranty? A warranty will ensure you will get the best possible credit repair service.

Top 5 Best Credit Repair Companies of 2021 [Full Reviews]

Fixing your credit score now is a way to build a better financial future. It will help you save a lot of money and make life a little easier for you and your family. If you have a decent credit score, you can enjoy the best interest rates for loans and get them approved faster.

However, if you cannot fix your credit score yourself and want some assistance, you are in luck. We have reviewed the best credit repair companies in the market to help you manage your finances better.

#1. Credit Saint: Best Overall & Editor’s choice


According to our research of the best credit repair companies, Credit Saint stands taller than many. This credit restoration company has been in the market for almost two decades and has a fantastic customer base across the world.

Along with such a powerful reputation, they have been offering excellent services and very convenient packages. Their customer service and operational efficiency have earned them an A+ Better Business Bureau rating, which they have maintained for a long time.

Therefore, no matter how bad your credit score is, the company may be able to fix it for good. They have an excellent track record for removing negative items from credit reports, so you get the best credit repair service in the market.

On top of all of this, you get a free consultation call with a credit repair executive to know the entire process of taking your credit.


Credit Saint’s credit repair packages include: Credit Polish, Credit Remodel, and Clean Slate.

The basic package is called Credit Polish, which is ideal if you have a lower budget and few negative items on your report. Here, the company will challenge three credit bureaus besides offering score tracking and score analysis.

The next package, Credit Remodel, offers you all of the features from the previous package, along with Experian monitoring and inquiry targeting features. It lets you challenge ten dispute items per cycle as well as repossessions and bankruptcies. It has a higher monthly fee but the same set-up fee as Credit Polish.

The last and the most premium package is called Clean Slate, which comes with a higher monthly fee and an initial set-up fee. You get all of the features of the previous package plus unlimited challenges to all of the credit bureaus. Furthermore, you can also challenge an unlimited number of dispute items per cycle.


  • Huge and satisfied customer base
  • Three excellent credit repair packages to suit all needs
  • A+ Better Business Bureau rating for more than a decade
  • Offers an online customer dashboard
  • Transparent pricing for services


  • Free consultation call before opting for the service
  • 90-day money-back guarantee
  • Valuable information about credit repair on the official website
  • Convenient customer dashboard for monitoring credit progress
  • Experian monitoring offers greater assurance


  • Not available in all U.S. states

Customer Reviews

Customers have been able to effectively fix their credit scores with the excellent service packages offered by Credit Saint. The company has received a lot of praise for the free consultation call, which allows the customer to choose a package. It also offers complete transparency in services.

Everybody loved the 90-day money-back guarantee, as it allowed users to try out the services and continue if they were satisfied. Although the Clean Slate is a bit expensive, the unlimited disputes and challenges have helped restore many poor credit scores.

In general, all users loved the company’s customer service and convenient packages.

⇒Visit the Official Website of Credit Saint for More Information

#2. Lexington Law: Most Experienced Credit Repair Company


Lexington Law, established in 2004, was founded by a team of paralegals and lawyers who wanted to offer the best credit restoration services to customers.

The company is very serious about its business and hires only paralegals or attorneys. So, you can be completely assured about their service quality and professionalism. The company dedicates itself to securing its customers’ credit rights and ensuring their credit reports are immaculate.

They have developed a clientele of more than 520,000, thanks to their excellent customer service and personalized credit repair counseling services. You can begin proceedings with a free consultation call with one of their associates.

After you sign up for these services, they will evaluate your credit score and find any disputes that need to be taken care of. The entire process is very simple, and they will guide you during each step.


The company’s three credit repair packages include: Concord Standard, Concord Premier, and PremierPlus.

In the basic plan, Concord Standard, you get two excellent features — bureau challenges and creditor interventions. Here, the company will interact with all three credit bureaus about the inconsistencies in your credit score. They will also ensure the Fair Credit Reporting Act is enforced.

The Concord Premier has all of the features of the previous package along with credit score analysis and inquiry assist facilities. This plan is suitable for credit reports that need a lot of repairs. Even if the details overwhelm you, the officials will help you at all times.

Lastly, the PremierPlus plan is their most premium and advanced plan consisting of all of the features of the other packages. Apart from all this, the package also offers you a financial management tool, identity protection, identity monitoring, and FICO score tracking.

The best part about all of their services is the fact you get access to an online portal and application for monitoring your credit progress.


  • An experienced team consisting of attorneys and paralegals
  • More than 221 million disputes and challenges handled
  • Dedicated customer services to enforce the Fair Credit Reporting Act
  • Flexible credit repair services
  • Over ten million negative items removed


  • Free consultation call for choosing services
  • Efficient credit score monitoring via an online portal
  • Focus tracks for fixing credit scores affected by unforeseen events
  • App available on iOS and Android platforms
  • Excellent customer assistance throughout the repair process


  • No money-back guarantee offered

Customer Reviews

Most customers chose this platform over others, as it gives you convenient services using a professional approach. The executives are not very pushy, unlike some companies, and their processes are very straightforward. Moreover, the company provides absolute transparency.

The free online credit consultation is a firm favorite among most users, which helps them decide the package they want. Many customers have been able to repair their credit scores within a span of six months, and all of the packages have received sufficient appreciation.

However, the PremierPlus package is considered the best due to its comprehensive features.

⇒Visit the Official Website of Lexington Law for More Information

#3. Sky Blue Credit: High-Quality Service


This company has been offering excellent services since 1989 and has managed to develop a name for itself in the credit repair industry. Their passion and dedication to their work are evident in the quality of services they offer.

Credit report inaccuracies have harassed customers for years, even if they have decent financial habits. The team of experts at Sky Blue Credit is skilled in identifying these inaccuracies and removing them from your credit report.

In addition, they have one of the best customer service teams in the market who will properly take care of you.

Their A+ Better Business Bureau rating allows them to stand apart from many companies in the industry. To know about the services and how they work, you can sign up for a credit consultation call. After reviewing your credit reports, the company will explain to you the next course of action.

In short, Sky Blue Credit offers hassle-free services and complete support for fixing your poor credit.


Unlike other credit repair companies, Sky Blue Credit does not have a variety of service packages. Instead, they offer an array of exciting features to rebuild your credit score at a reasonable monthly fee.

You can sign up and start experimenting with their services for six days. If you like what they offer, you can pay the monthly fee and continue using their services. These services include:

  • Detailed analysis of credit report
  • Identification of all disputes
  • Statute of Limitation Research for better dispute handling
  • Personalized credit score optimization
  • Guidance to open credit cards and achieve a better FICO score

Sky Blue Credit also offers extra services, which include Goodwill letters, cease & desist letters, and debt validation. These services might be useful to customers when their credit situation is too complicated or if some problems arise. You will get them completely free of cost, so you do not have to worry about additional expenses.

Perhaps the best benefit of these services is that you can cancel anytime or simply pause the service schedule.


  • A+ Better Business Bureau rating
  • Excellent credit rebuilding services with FICO support
  • One comprehensive service package with multiple features
  • 15 items disputed every 35 days
  • No charges for the first six days of trial services


  • 90-day money-back guarantee
  • Free credit monitoring and report generation upon sign-up
  • Anytime service cancellation without hassles
  • No extra charges for additional services
  • Couples discount offers half service charges for your partner


  • No assistance was offered for handling outstanding debt

Customer Reviews

Among the plethora of customer reviews available online, the flexibility offered by Sky Blue Credit in services has been appreciated the most. Their convenient service enrollment processes, easy trial, and cancellation/pause policy have attracted thousands of customers.

Customers also lauded Sky Blue Credit for its customer support and credit assistance. As the affordable services suit many pockets, the company has gathered a diverse customer base. Moreover, almost everyone loved the couples discount and free extra services.

⇒Visit the Official Website of Sky Blue Credit for More Information

#4. Affordable Credit Restoration


The next firm on our list of the best credit repair companies is The company is popular for its excellent services and its affordable rates of credit restoration. The organization works with an aim to offer you a better understanding of your credit score and help you achieve your financial dreams.

The company consists of a team of experts who want you to establish a better relationship with your credit. So, do not consider them to be a one-time credit fix, but someone who will teach you more about enhancing your credit score.

Since 2012, the company has successfully removed more than 1.8 million negative items and handled over 19 million disputes. Therefore, they are extremely good at what they do and have developed a solid customer base.

So, if you are struggling to fix your credit score and are interested in trying out their services, dial their helpline number. After a free ten-minute credit score analysis, they will notify you about the next steps.

Should you want to know more, head over to their blog, as it has a lot of informative articles on credit repairing.


A credit score of less than 650 is considered bad, so helps you get it back on track. As soon as you sign up for their services, the team pulls your credit report from the main credit reporting bureaus.

Then, they organize all of your reports to help you identify which items are actually hampering the score.

After that, this starts challenging these questionable items with all three credit bureaus to help you refine your score and make it more accurate. The officials directly interact with the credit firms to help them satisfy their obligations for your situation.

Your negative items are also verified to see if they are legally reported in the first place. The company’s experts continue the communication with the credit bureaus to make the necessary changes to your score.

This process continues until all negative items and inconsistencies get removed from your credit score.


  • Reputed brand with a high success rate
  • Three credit repair packages offered
  • More than one million credit interventions and removals handled
  • Customer online dashboard offered for credit monitoring
  • Customer base of more than 500,000


  • Convenient credit repair app available on iOS and Android
  • Selection of free credit score analysis packages
  • Texts, emails, and credit score tracker for progress monitoring
  • TransUnion credit monitoring to safeguard your score
  • Affordable services to match every budget


  • No service or money-back guarantee provided

Customer Reviews

If you check out their official website, you will find plenty of positive reviews. Customers love the support and assistance offered by the company. They have stated that customer service executives make things very easy for them to understand and never leave them in the dark.

The team at has helped customers understand their credit scores better and improve their financial habits. Most customers have successfully removed the negative items of the reports and posted their credit scores.

The firm has also been lauded due to its reasonable service rates and efficiency.

⇒Visit the Official Website of for More Information

#5. The Credit Pros: One of the Fastest Credit Repair Companies


The final selection of our list of best credit repair companies is The Credit Pros. As the name suggests, they have become professional experts in fixing poor credit scores and have developed a decent customer base. Inc. Magazine has ranked the company as one of the most prospective businesses in recent times.

If you are searching for a company to boost your credit score at a reasonable price, The Credit Pros is an excellent option. Due to their experienced and excellent team of credit specialists, they have received an A+ BBB rating.

All you have to do is sign up for their services, and they will set you up within three to five business days. If you are a little unsure, you can request a free consultation call by visiting their official website. That shows the company’s transparency towards its customers.


The company uses a very straightforward process to improve your credit score. They start working by identifying the negative items affecting your score. After determining these items and other inaccuracies, they will talk you through the detailed steps needed to fix the situation.

The company aims to go over actionable advice with you and provides support to fix your credit score. You can always get on a free consultation call with the experts to figure out the entire process. In addition, you can also talk to credit attorneys of the company if required.

Their top-class services include:

  • Personalized credit monitoring services
  • Unlimited dispute letters
  • Goodwill and debt validation letters to creditors
  • Cease and desist letters

In addition to this, you get three service packages: Money Management, Prosperity Package, and Service Package.


  • AI-driven credit management system
  • Easy to use credit monitoring portal
  • Personal finance tools
  • Every service package includes credit monitoring
  • Insurance and ID theft restoration services offered


  • Personalized credit score insights
  • Credit monitoring is available at no additional charges
  • Convenient customer portal with 24/7 access
  • Action development by FICO professional
  • All financial information is safely recorded
  • Services can be canceled anytime
  • 100% 90-day money-back guarantee


  • Some customers have faced issues with cancellations

Customer Reviews

In general, the company has gathered positive ratings from its customers for its service quality. All customers are treated courteously, and no sales gimmicks are used to convince them. As none of the professionals make fake promises, they have become a very trustworthy name in the market.

Additionally, customers have stated that customer care addressed their queries timely and professionally. Credit monitoring services offered with each service package enable customers to track their progress.

Moreover, the company officials offer tips and tricks to enhance credit scores.

⇒Visit the Official Website of The Credit Pros for More Information

How to Choose a Credit Repair Company?

Now that you know the top credit repair companies, how will you choose the one for your needs?

To help make the entire selection process easier, we have curated this buyer’s guide, which can help you pick the most reliable and efficient company to solve all of your credit issues.

Furthermore, even if you do not prefer any of the companies on this list, you can use this guide. So, make sure to look for the following factors before picking a credit repair company.

Company Reputation

A reliable credit repair company will have a good reputation in the industry. Moreover, it is vital to choose an organization that you can trust. So, how can you trust a company when you know nothing about it?

First, you can take a look at their track record to decide if they are trustworthy. A well-reputed brand will have a track record of positive reviews and very few customer complaints. Also, even if they have any complaints, they should offer an accessible and effective grievance process.

Most importantly, the company should not have any involvement in scams or fraudulent cases. So, make sure to consider the brand reputation before choosing a credit repair company. This step will ensure your money, time, and information is safe.

Company Stability

Most industries in the financial sector have an authoritative commission that rates the stability of a company. However, there is no such commission when it comes to credit repair companies. So, it is not easy to know if the company you are choosing is stable enough.

Why is stability an important factor? It is vital because the stability of the company guarantees the money you pay for their service. For instance, if a credit repair company closes while accepting their service, you will lose the money you paid for the service.

However, there is an alternative way to decide the stability of a company. By knowing the number of years the company has served the industry, you can judge its stability.

The longer period in the industry ensures the company is not very likely to go out of business any time soon. Moreover, the longer years adds to the efficiency of their service and a larger customer base.

Therefore, we advise you to choose a company that has more experience in the industry. As a general rule of thumb, companies with experience of fewer than five years have poor stability.

Some of the best credit repair companies have more than a decade’s worth of experience. However, you can go with credit repair companies with experience of around five to eight years for excellent services.


The foremost important factor to consider before choosing a credit repair company is how effective their service is. You are using their service to improve your credit score. So, does the company offer considerable credit score improvement?

Therefore, it is vital to know how good their results are before subscribing to their package. A well-reputed credit repair company can improve your credit score by hundreds of points.

So, consider the customer reviews, old clients’ testimonials, and access more resources to see how good they are at their job. If a company does not have a good record of improvement, it is better to go for the next option.

Moreover, many companies track the average number of points by which they improved their clients’ credit scores. By checking this score, you can get a better idea of their overall performance.

BBB Rating

BBB or Better Business Bureau rating is an important factor you should not ignore. Some of the best credit repair companies have an A+ BBB rating along with accreditation.

Primary BBB ratings indicate the number of complaints the credit repair company has received. So, companies with better ratings have fewer complaints and have an effective system to deal with the lodged complaints.

The ratings start from the highest grade of A+ and end at the lowest F grade. The Better Business Bureau rates a company F if it fails to provide some of the basic features to its clients. Therefore, choose a credit repair company with the highest BBB ratings.

Furthermore, the rating indicates the stance of the Better Business Bureau on the company’s reputation. So, make sure to look out for BBB ratings for the credit repair company you have chosen.

Credit Monitoring

Do the companies you prefer offer credit monitoring services? Any reliable company with a good track record will offer a credit monitoring service. Moreover, some of the best credit repair companies offer these services for free.

With a credit monitoring service, the companies will track your credit history and alert you when there is any mishap. This includes any suspicious behavior, fraudulent actions, and even changes to your score.

On the other hand, some companies offer credit monitoring services at an additional cost. Either way, credit monitoring is beneficial. Therefore, it is important to look for a company that offers credit monitoring services.

Moreover, they will lay out all of the information in a straightforward, easy-to-read manner that can help you understand your credit better. This way, you can understand your financial behavior properly and interpret its effects on your credit report.


A credit repair company will evaluate whether they can help you or not after a consultation. Moreover, it will help you decide if you need their service or not. Therefore, it is important to consider the quality of consultation services primarily before committing your credit problems to a company.

Most of the well-reputed companies offer a free consultation service, which can be extremely helpful. This consultation will help them review the reports and offer you ways to help you. This feature will help both parties and will help the client decide on a suitable package.

Moreover, you can clear any of your doubts with a free consultation, as you can get more information on the service and payment methods during consultation. Plus, you can access expert recommendations and suggestions.

Additionally, you can trust the company to not charge you anything unless they know they can help you. Therefore, we have included a few options in the above list that offer a free consultation.

Quality of Service

You can judge how much a company cares for its clients by the way they offer customer support services, as the best credit repair companies provide reliable customer support to their clients.

Above all, good customer service will help you navigate through the choices and make the right decision.

Therefore, make sure to commit to a company only if they offer friendly services. It is important to see if they answer all of your queries and update you with relevant information at the proper time.

Furthermore, some credit repair companies offer exceptional services by assigning you with a personal advisor. Your personal advisor will help you with packages, payment, and your credit report. Moreover, this feature will ensure your case gets individual attention.

Therefore, we advise you to go with the company that offers personalized, high-quality services with email and 24/7 phone service.


Credit repair companies will charge you a monthly fee for their service. The price of the packages depends on the quality of the services. It can start from anywhere between $19 to $25, and it can go up to $150 to $200 per month.

The prices also vary according to the number of features they offer. So, you can pick a cost-effective package if you do not want to spend too much.

Additionally, sometimes credit repair companies can charge you a lot of money without quality service. Therefore, consider all of the other factors mentioned above as well before paying for the package.

Furthermore, some credit repair companies charge set-up fees or first work fees in addition to monthly payments. So, be aware of the set-up charges as well, and make sure to incorporate them into your budget and planning.

Guarantee and Refund Policy

Most credit repair companies do not offer any guarantee in credit score improvements. However, various reputed companies offer a money-back guarantee if you are not satisfied with the improvements.

Although a guarantee is not a primary feature to look for, it can improve your trust in their claims. Additionally, some companies also offer several attractive refund policies. Furthermore, guarantees can be a way to measure if the companies can live up to their expectations.

FAQs About Credit Repair Services

Do you have any doubts regarding credit repair companies? If you do, this section can answer them.

Q. Is it worth hiring a credit repair company?

Credit repair companies can help make you a better applicant for a fee. They review your credit reports and address all of the negative items in your credit on your behalf.

However, it is not difficult to do all of these things on your own, if you have the time. It is always better to weigh the time you have against the cost you have to pay for the credit repair companies.

Also, if you only have one or two negative items, it is better not to pay for the credit repair companies. In contrast, if there are more negative items, it is advisable to pick the best credit repair company that serves all of your needs.

On the other hand, many credit repair companies offer guaranteed results. After weighing your choices, you can decide if it is worth paying for the credit repair companies.

Q. Will credit repair work for very poor credit scores?

To answer shortly, yes. Credit repair can work for you even if you have a very poor credit score. To ensure everything goes right, you may have to hire a legitimate credit repair company.

They will help you improve your credit score by removing inaccurate information that may be damaging your credit score.

The companies will review reports for derogatory marks after requesting a copy from the consumer credit bureaus. The three major consumer credit bureaus are Equifax, TransUnion, and Experian.

Q. Do credit repair companies remove negative items?

Yes, credit repair companies remove negative items from your credit report. You can take a look at some of the most important items the companies remove during their service period:

  • Judgments
  • Late payments
  • Charge offs
  • Collections
  • Out of date additions
  • Foreclosure
  • Identity theft
  • Repossessions
  • Debt settlement
  • Hard inquiries

Q. How long does credit repair take?

It takes about two to six months to resolve all of the disputes. However, this time estimation applies only to average customer requirements.

If you have only a few negative items, it may take even less time. Moreover, if you repair your credit every year, it may take less time as well.

On the other hand, it can take up to a year to fix many complex issues. So, it entirely depends on the individual cases. Also, you can take a free consultation from any of the credit repair services and get an idea of how long it will take to repair your credit reports.

Q. Can I cancel credit repair services?

The Credit Repair Organizations Act requires credit repair companies to give you three days’ right to cancel. Moreover, this should not cost you anything. The company must also provide you with a firm total on all costs and estimate the time it takes to get results.

All of the legitimate credit repair companies will guide with this information. So, yes, you can cancel your credit repair membership. To do this, you can contact your service provider and request to terminate your subscription.

Final Verdict: Can Credit Repair Companies Help?

A bad credit score can impact many parts of your life in a number of ways. It can make it difficult to get a place to rent or to apply for a car loan or a mortgage. Therefore, we advise you to fix all of the errors on your credit report as soon as possible.

Although anyone can try to fix their credit scores, a professional can do it better, as they use numerous effective methods to repair your credit scores at a faster pace. We would suggest you try Credit Saint or Lexington Law for the best advice and deals.

So, you can focus on your professional and personal life without having to worry too much about a bad credit score. With the best credit repair companies, you can move ahead in your life with a better credit score and better opportunities.

The news and editorial staff of Sound Publishing, Inc. had no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

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