Maintaining a healthy credit score is vital for securing loans, mortgages, and favorable interest rates. However, if you find yourself struggling with a low credit score or have errors on your credit report, turning to a reliable credit repair service can make a significant difference.
The best credit repair companies will work on your behalf to identify errors or inaccuracies on your credit report and dispute them with major credit bureaus. Some credit repair companies also offer additional services, such as identity theft monitoring, credit builder loans, and cease-and-desist letters to creditors.
We’ve reviewed the top credit repair services in the industry to see which companies offer the best results and the most value. Each of the credit repair companies below were evaluated on a variety of factors including company reputation, user reviews, fees, value, and additional services offered.
Best Credit Repair Companies
Credit Saint: Best credit repair service overall
The Credit People: Best guarantee
The Credit Pros: Best for unlimited disputes
Safeport Law: Best for legal representation
Lexington Law: Most experienced company
CreditRepair.com: Most affordable credit repair program
Sky Blue Credit: Best for couples
#1. Credit Saint: Most Aggressive Credit Repair Company Overall
We chose Credit Saint as one of the best credit repair companies due to its impressive pedigree and reviews. It's ranked the #1 credit repair company by financial sites such as Money, Observer, The Credit Review, and SimpleMoneyLife. It also has an A rating from the Better Business Bureau (BBB) and nearly 90% five-star reviews on Consumer Affairs.
Based in New Jersey, Credit Saint has helped more than 200,000 people improve their credit scores since 2004. The company works by disputing credit report items such as:
Late payments that were actually paid on time
Unauthorized hard inquiries
Foreclosures and repossessions
Expired charge-offs, such as student loan or credit card debt
The credit repair process of working with Credit Saint is fairly simple. First, the company will run a free credit report (this won't affect your credit rating). Next, Credit Saint reviews the report with you and identifies items that could be hurting your score. The company then contacts the three credit reporting agencies in an attempt to remove these items.
Credit Saint offers three plans to choose from:
Credit Polish
Credit Remodel
Clean Slate
All three plans come with challenges to the three credit bureaus, plus a Score Tracker for credit monitoring that allows you to keep tabs on changes to your rating. Each plan also comes with a 90-day money-back guarantee if your credit score doesn't improve in that time.
The monthly fee for Credit Polish is $79.99 per month, plus a $99 setup fee. It's best for people with 10 or fewer credit items to challenge. Credit Remodel will run you $99.99 per month, and the setup fee costs $99. This plan is good for people with up to 20 credit items to challenge.
The Clean Slate package is best for people with very poor credit. In addition to challenges to the credit bureaus and credit monitoring, it also comes with inquiry targeting and credit intervention letters. This plan has a monthly fee of $119.99, plus a $195 setup fee.
Credit Saint can't remove accurate negative information from your report. There's no guarantee that you'll see changes to your score, but that's true of other credit repair companies too.
Click Here to Learn More About Credit Saint
#2. The Credit People: Trusted Credit Repair Agency With Years of Experience
The Credit People is one of the best credit score repair companies in the industry with nearly 1.5 million credit issues removed, results in less than 60 days, and an unbeatable satisfaction guarantee. The company claims that it may be able to boost your credit score by 50-100 points in as little as 60 days. After using the service, an average of 81% of customers are approved for new credit.
Based in Utah, this reputable credit repair company has been in business for more than 15 years. Customer reviews are largely positive, and many clients report removal of negative items that they didn't even know existed.
The Credit People can remove the following inaccurate items from your credit history:
Bankruptcies
Repossessions
Student loan issues
Collections
Late payments
Tax liens
Errors related to identity theft
We like The Credit People because it provides a free consultation and easy-to-understand flat-rate pricing with no hidden fees. It offers two pay-as-you-go plans: Standard ($79/month) and Premium ($99/month).
Both plans include unlimited disputes to all three credit bureaus, plus "Before and After" free credit reports. Your plan gives you access to an interactive credit monitoring dashboard that allows you to track the company's progress each step of the way. The Premium plan also includes creditor interventions and escalated disputes after every dispute cycle. If you'd rather avoid a monthly fee, you can purchase the Premium Flat Rate plan, which costs $499 for six months.
The company has a 90-day money-back guarantee if you're not happy with the changes to your credit score. If you cancel, you won't pay for that month of service.
One drawback of The Credit People is that it doesn't provide many educational resources on its site. And unlike some other credit repair services, it doesn't offer 24/7 customer service or live chat. You can only reach a support agent by phone or email.
Click Here to Learn More About The Credit People
#3. The Credit Pros: Fast Credit Repair With 90-Day Money Back Guarantee
The Credit Pros is one of the best credit repair services for fast results, personalized credit score insights, and no long term contracts. In addition to credit repair, The Credit Pros offers builder loans that report your timely payments to all 3 major credit bureaus to help boost your score.
Most other credit repair companies charge extra for credit monitoring and ID theft insurance, but not The Credit Pros. These services are included in the monthly fees for all plans. Each plan comes with ID Cover dark web credit monitoring, TransUnion alerts, and a budgeting system.
The Credit Pros' cheapest plan will cost you $69 per month, plus a $119 setup fee. This plan only gives you a credit report and credit score from one bureau.
The Prosperity plan costs $119 per month, and you'll pay $119 to set up your account. This plan comes with creditor interventions and cease and desist letters. You'll also get credit reports and credit scores from all three bureaus.
The Success plan has a monthly fee of $149, plus a $149 charge for account setup. This plan comes with all of the above services, plus access to a credit builder loan. The Credit Pros will report timely payments to the three credit bureaus as well.
This company provides a free consultation and 90-day money-back guarantee. However, the 90-day money-back guarantee is only available for the Success and Prosperity packages.
Customer reviews for The Credit Pros are very positive, which is yet another reason why we chose it as the overall best credit repair company. Customers appreciate that it's easy to connect with support 24/7 via live chat or the mobile app.
Click Here to Learn More About The Credit Pros
#4. Safeport Law: Top Credit Repair Service for Legal Representation
If you’re looking for a reputable credit repair law firm, Safeport Law is one of the best credit repair companies you’ll find. This company boasts more than 15 years in the credit repair industry and has an A- rating from the Better Business Bureau. Safeport Law has few customer reviews, but the ones it does have are overall positive.
Credit repair isn't the only service these credit pros offer. Safeport Law's attorneys can also negotiate with creditors to set up payment plans and settle debts. If you have unaffordable credit payments and a lot of unsecured debt, this reputable credit repair service could be right for you.
Safeport Law attests that its credit score repair services comply with the Fair Credit Reporting Act (FCRA) and Credit Repair Organizations Act (CROA). Unlike other disreputable credit repair companies, it promises to never use shady tactics that could get you into trouble with major credit bureaus.
We like Safeport Law because this credit repair firm offers just one clear-cut credit repair package, so there's no confusion or need to choose between different tiers. You get a free consultation and pay a flat monthly fee of $99, plus a one-time $99 initial setup fee. This price includes credit interventions with the three major credit bureaus. Safeport Law also has a money-back guarantee.
You can view the company's progress online through its credit monitoring dashboard. Here, you'll also see a credit report analysis, which the company updates in real time.
One thing we don't like about Safeport Law is that it lacks many personal finance tools and doesn't provide much information about its services on its website. If Safeport Law's FAQs section doesn't answer your question, you'll have to contact the company directly for help.
The company also doesn't seem to offer identity theft insurance at this time. So if identity theft protection is something you're interested in, you might want to choose from the other reputable credit repair companies on our list.
Click Here to Learn More About Safeport Law
#5. Lexington Law: Reliable Credit Fixers With Free Credit Report Consultation
Lexington Law is one of the best credit repair companies, with over 18 years of experience and 9.8 million clients since 2004. You can read a thorough explanation of negative credit reporting errors and learn about the credit repair process in simple, easy-to-understand language.
While the company says that it can typically remove each negative item in 30 to 45 days, it's also transparent about the fact that it can't guarantee results. These credit pros say that its credit monitoring and repair service can remove errors such as:
Inaccurate and duplicate accounts
Missing accounts
Incorrect inquiries
Derogatory remarks and delinquencies
Accounts that don't belong to you
Fraudulent activity related to identity theft
We like Lexington Law because it provides a free consultation on your credit scores from each credit bureau when you sign up. You'll also get a free credit score analysis and credit repair recommendations.
One thing that sets Lexington Law apart from other reputable credit repair services is its Focus Tracks. The company tailors these Focus Tracks to help people going through certain life changes, such as military service or divorce. With Focus Tracks, you can:
Repay unaffordable student loans after college
Repair credit history after a divorce
Identify and close accounts impacted by identity theft (this Focus Track comes with identity theft insurance)
Repair credit that's poor due to medical bills you can't pay
Take advantage of government relief programs if you were financially impacted by the COVID-19 pandemic
Lexington Law offers three plans: Concord Standard, Concord Premier, and Premier Plus. Concord Standard comes with creditor interventions and bureau challenges. It has a monthly fee of $95.95.
Concord Premier also includes challenges and interventions, plus a credit score analysis and alerts from TransUnion, ReportWatch, and InquiryAssist. It costs $119.95 per month.
Premier Plus comes with everything above, plus identity theft insurance, a FICO score tracker, and services for cease and desist letters. This plan will cost you $139.95 per month.
One drawback of Lexington Law is that it only has a C- rating with the Better Business Bureau, and the company was sued by the Consumer Financial Protection Bureau in 2019.
Customer reviews for this credit repair service are mixed. Some customers claim that the company could not repair their credit and that its support agents are overseas. However, others say that the company resolved issues with their credit scores in a timely manner and that customer support is patient, friendly, and helpful.
Click Here to Learn More About Lexington Law
#6. CreditRepair.com: Best for Cheap and Affordable Credit Repair Programs
CreditRepair.com is one of the best credit repair companies for affordable credit repair, with packages starting at just $49.95 a month. Its website includes a comprehensive guide to credit-related topics, such as credit report disputes, how to read credit reports, and how to avoid credit repair scams.
This best credit repair company has been helping people fix their credit history since 2012. To date, it's removed more than five million negative items from credit reports, and the company has fixed over 125,000 credit histories in 2021 alone. These credit pros claim that 76% of customers saw their credit scores improve by an average of 40 points over six months.
CreditRepair.com provides a free credit report evaluation that identifies negative items on your accounts. It looks for inaccuracies such as incorrect public records, debt balances, and accounts that don't belong to you.
The company provides unlimited disputes with each credit bureau. It can remove inaccurate items such as:
Late payments
Bankruptcies
Foreclosures
Repossessions
Collections
Hard inquiries
Monthly fees vary depending on which plan you choose. The company's Value plan costs $49.95 per month. It includes up to 11 bureau challenges per month, 2 credit disputes per month, quarterly FICO score updates, and $25,000 in identity theft insurance.
The Advanced plan comes with all of the above features and allows you to dispute even more items on your report, with up to 19 challenges and 6 credit disputes per month. It also includes monthly score updates, identity theft protection, hard inquiry challenges, $1 million in identity theft insurance, and personal finance tools. The Advanced plan costs $119.95 per month.
All plans include access to a case management dashboard where you can see how these credit pros are handling each negative item. You can also cancel your plan at any time.
Click Here to Learn More About CreditRepair.com
#7. Sky Blue Credit: Best Credit Restoration Plans for Couples
We chose Sky Blue Credit as one of the best credit repair companies due to their 90-day guarantee, affordable credit repair plans, and unparalleled customer support. This credit repair agency has been around since 1989, making it one of the oldest in the credit repair industry.
Unlike many other top credit repair services, Sky Blue Credit offers a free six-day trial so you can see if the service is right for you before committing. The company only has one plan with no confusing monthly fees or bloated credit repair packages to pick from. Once your trial is over, you'll pay $79.99 per month, plus a $79.99 setup fee.
This legitimate credit repair company also provides a free credit consultation and a 90-day money-back guarantee if you're unhappy for any reason. Plus, you can pause your membership at any time and pick back up where you left off with no service interruptions.
All members get:
On-demand money management coaching sessions from credit pros
Personal finance tools
A custom credit repair process tailored to your situation
Disputes settled in an average of 35 days
Credit rebuilding
Debt settlement
Strategic credit score optimization
Direct appeals to creditors with goodwill letters
Like other legitimate credit repair companies, Sky Blue Credit repair will dispute issues on your credit report with each credit bureau. If credit bureaus don't remove negative items, it will automatically send customized re-disputes to improve the chance of knocking those items off your report.
Sky Blue Credit has only had five complaints with the Consumer Financial Protection Bureau in the past few years. According to the CFPB, all complaints were addressed and closed in a timely manner.
One thing we dislike about this credit restoration company is that it doesn't offer credit monitoring as many other top credit repair companies do.
Customer reviews are quite positive, and the company has 91% five-star reviews on Consumer Affairs. Reviewers say this is a good credit repair company that's honest and eager to help fix their credit.
Click Here to Learn More About Sky Blue Credit
What Are Credit Repair Companies and How Do They Work?
A credit repair service is a type of professional assistance designed to help individuals improve their credit scores and financial standing. These services aim to rectify inaccuracies and errors on a person's credit report, thereby improving their credit history. With the abundance of services out there, it's essential to find a reputable credit repair service to avoid scams and wasted time.
Here’s how credit repair companies work:
Initial Consultation: When you first approach a credit repair service, they usually offer a free or low-cost initial consultation. During this phase, they review your credit report to assess the potential for improvement.
Credit Report Analysis: The service will request your credit report from the major credit reporting agencies, such as Equifax, Experian, and TransUnion. They scrutinize this document to identify any discrepancies, errors, or negative items that could be affecting your credit score.
Strategy Development: After identifying the issues, the service will develop a strategy tailored to your unique credit history. This strategy will outline the actions required to improve your credit score, such as disputing inaccuracies and negotiating with creditors.
Action and Dispute: The service then takes action based on the strategy. This often involves sending formal dispute letters to the credit bureau or the original creditor, asking them to rectify the errors on your credit report.
Monitoring and Updates: Many credit repair companies offer ongoing services that include monitoring changes to your credit report and re-disputing items if necessary. This usually comes with a monthly fee.
Pricing and Guarantees
When it comes to cost, credit repair companies charge differently based on the extent of the services they offer. While some have a flat fee, many charge a monthly fee, especially for ongoing services. Before signing up, it's crucial to understand what exactly you're being billed for and if the cost justifies the expected improvement in your credit score.
Some credit repair services also offer a 90-day money-back guarantee. This feature can be a significant benefit for consumers who are skeptical about the effectiveness of credit repair. The guarantee essentially states that if the service is unable to improve your credit within 90 days, you are eligible for a full or partial refund.
It's essential to conduct thorough research before selecting a credit repair company. A reputable credit repair service will have:
Transparent pricing
Good credit repair reviews and testimonials
A history of successful credit repair
No legal issues or substantial complaints against them
How We Ranked the Best Credit Repair Services
Curious how we selected the best credit repair services? To compare credit repair companies, we looked at factors like reviews, fees, free consultations, and extra services offered.
Company Reputation
The best credit repair company should have a stellar reputation and a proven track record of resolving issues on credit reports. We looked for companies that had a positive rating with the Better Business Bureau and Consumer Financial Protection Bureau.
Costs and Fees
The right credit repair company shouldn't charge exorbitant fees to fix your credit. We selected companies with affordable monthly plans to suit any budget, as well as a money-back guarantee if the company is unable to help you. We also prioritized companies that don't charge extra for services such as ID theft protection and credit score reports from all three credit bureaus.
User Reviews
We strongly considered user reviews when picking the finest credit repair services. We chose companies that offer great customer support agents who can help if you have questions. Most customers want 24/7 support, which is why we included companies that offer this service.
We also scanned user reviews for complaints about billing, such as being overcharged or having issues canceling an account. The best credit repair agency shouldn't charge hidden fees or make you jump through hoops when you want to cancel.
Additional Services Offered
When picking out the best credit repair businesses, we selected companies that offered plenty of extra services to choose from, such as credit monitoring. Credit monitoring is a handy tool that automatically alerts you to changes in your credit score.
We picked companies that offered ID theft credit monitoring services, too. If you've ever had your identity stolen, you know how stressful and demoralizing it can be. That's why we chose companies that scan the dark web for fraudulent activity that could hurt your credit score without you knowing.
The best credit fixing companies also offer educational resources to help you manage your finances. Some offer advice on how to get out of debt or improve your credit score.
Free Consultations
The best credit repair businesses should offer a free consultation before you sign up. These consultations typically include a no-cost credit report from at least one bureau (don't worry, pulling this report won't hurt your credit). An advisor will go over your report with you to identify any negative items that they may be able to remove.
You're not obligated to sign up for credit monitoring or repair after this consultation, although some companies use pushy sales tactics to try and sway you. We chose companies that stay away from sketchy strategies like these.
What You Should Know Before Hiring a Credit Repair Company
The best credit repair companies communicate with the three major credit bureaus, namely Equifax, Experian, and TransUnion, or the companies that provided your information to these credit reporting agencies. Communications often happen via mail, emails, or phone calls. Services like TransUnion credit monitoring may also be used to track changes and updates on your credit reports.
It's important to note that the top credit repair companies don't do anything that you can't do yourself. However, dealing with the credit repair process on your own can be stressful and overwhelming. If you don't have the time or willingness to handle credit reporting agencies directly, working with credit repair agencies could be a wise choice for you.
If you opt to hire a legit credit repair company, set realistic expectations and don't expect instant results. The process of improving your credit score is a gradual one and takes time, especially if you have multiple negative items that need addressing. The more negative items you have on your credit reports, the longer it will likely take to improve your credit score.
Financially, the best credit repair companies can be very helpful, but that help comes at a cost. At a minimum, you should expect to pay around $70 per month to boost your credit score. Nearly all credit repair agencies charge an initial fee in addition to a monthly fee.
When choosing a credit repair service, look for a company that offers a money-back guarantee if you're displeased with the results it provides. A free consultation at the onset is also a must-have, providing an opportunity to assess whether the company can indeed help you.
Legitimate companies operate within the boundaries set by law. They can only remove inaccurate negative items from credit reports. They specialize in addressing issues such as negative marks that should have dropped off your report, accounts that don't belong to you, legal actions and bankruptcies that aren't yours, misspellings, and penalties attributed to the wrong person, as well as debts that can't be verified or validated.
Per the Credit Repair Organizations Act, the best credit repair companies are not legally allowed to guarantee that they can remove items from your credit report. They are also prohibited from charging you for services not fully rendered. Under this Act, companies can't advise you to change your name or other identification as a way to dodge debt collection, nor can they counsel you to lie to credit reporting agencies.
By understanding the limitations and possibilities offered by the best credit repair agencies, you can make an informed decision that best suits your financial goals and needs.
Alternatives to Credit Repair Companies
If you're not sure whether working with a credit repair agency is right for you, here are a few other options to consider.
Credit Counseling
Credit counseling is an alternative to credit repair for people who have trouble managing debt. Non-profit agencies typically provide this service, but that doesn't mean it's always free. Many counseling agencies charge nothing for the service if you're low-income, but you'll have to pay some of them for help. It's usually much cheaper than what you'd pay a credit repair business, though.
Credit counselors make a plan with you to help you get out of debt. Services they provide include:
Helping you buy your first home
Giving you advice on renting vs. buying
Consolidating your debts to lower interest rates
Making a plan to help you repay student loans
Providing guidance on filing for bankruptcy
Before choosing a counseling agency, it's smart to ask a few questions, such as:
Is the counselor licensed and accredited in your state?
Is the counselor a member of the National Foundation for Credit Counseling (NFCC)? Members must adhere to strict standards for customer service, accreditation, and data security.
How does the agency protect you from identity theft?
What happens if you can't afford to pay or miss a payment?
Does the agency provide a time frame for you to complete the program?
Does it offer counseling online, in person, or over the phone?
If you'd like to give credit counseling a try, you can find a list of approved agencies through the Department of Justice. You can also find a credit counselor through the Financial Counseling Association of America.
Debt Settlement
Debt settlement is another alternative to credit repair to consider. Debt settlement companies (also called debt adjusting or relief companies) claim that they can settle, negotiate, or in some way change the terms of your debt.
The companies act as a middleman between you and your creditors. You can do the exact same thing as these companies can yourself, but it may be helpful to have an experienced advisor guide you through the process. The process involves settling your debt for less than you owe. However, you'll have to promise that you will pay the settled amount in full.
Working with debt settlement companies can be risky because they'll ask you to stop making payments to creditors during negotiations. Instead, you'll put money into an account that the company can use to pay your debts. Not paying creditors can be problematic because your credit score will likely take a big hit.
These companies may be able to arrange a lump-sum payment or lower monthly payments for you. However, the settlement process can potentially take years. When it's over, your credit rating may have dropped by over 100 points.
Debt settlement companies charge a percentage of the amount of debt you're trying to settle. You'll pay a fee based on your debt prior to settling, not on the final negotiated amount. Fees typically range from 15% to 25% of your debt.
DIY Credit Repair Software
If you're the do-it-yourself type, you may want to try this alternative to credit repair. Credit repair software can seem like a promising solution to your financial woes. You'll find three kinds of software to pick from:
Credit score cleaning kits, which give you tools for disputing negative items
Score trackers, which monitor activity that can affect your score
Score simulators, which use simulations to allow you to test various repair strategies
Repair software works by pulling your details from at least one credit reporting bureau. Next, the software finds and categorizes negative items on your account. The software then produces automatically generated dispute letters that you can send to bureaus.
The downside of such software is that it can be expensive. You'll either pay a monthly fee or a one-time charge to use it, which could be as high as $400, depending on the program you pick. Most software companies give you a free trial before you buy, though.
Another issue with repair software is that it may not be as secure as you think. Some spyware disguises itself as legitimate repair software to harvest your financial details, which could hurt your credit score even more. Before downloading any program, check out reviews to make sure it's legitimate.
Repair software could be a good choice if you only have a few items you'd like to remove. If you're dealing with more than 20 items, you may be better off working with a credit repair company.
Credit Builder Loans
Credit builder loans aren't exactly an alternative to credit repair, but they can be helpful if you're rebuilding your credit after settling debt or don't yet have much credit to speak of. These loans give you the chance to show that you can handle making payments on time, with four steps:
The lender sets up a certificate of deposit or savings account with the loan amount.
You make monthly payments towards the loan, with interest. Credit builder loans typically have terms ranging from 6 to 24 months.
The lender reports your on-time payments to the credit bureaus.
You get access to the money if you make all of your payments on time.
One perk of credit builder loans is that you don't need a stellar credit rating to get one. If you miss payments, though, your loan won't do you much good. Plus, credit builder loan limits can be very low, usually as little as $300 to $1,000.
Frequently Asked Questions About Credit Repair
How long does it take for a credit repair company to fix my credit?
How long it takes for a credit repair company to resolve credit issues depends on how many negative items you need to address. Credit bureaus have 30 days to investigate and resolve each dispute, although they may not resolve them in your favor. If this happens, the credit repair company will try to re-dispute, which could make the process take even longer.
On average, fixing everything that's wrong with your credit report takes about three to six months.
How much do credit repair services cost?
The credit repair cost you'll pay depends on the company you choose. Expect to pay about $70 per month for the most basic plan a company offers. Basic credit repair packages are best for people with just a few negative items to knock off their credit reports.
If your credit score is very low and you have more than 10 negative items on your credit report, you may have to shell out for a higher-tier plan. Top-tier credit repair plans usually cost about $120 per month.
You'll also have to pay an initial setup fee regardless of which company you pick. Fees range from an average of $60 to $120. Most credit repair companies provide a free consultation before you commit. Some, such as Sky Blue Credit, offer a free trial for a few days as well.
If you want extra services, like credit monitoring and ID theft protection, credit repair companies may tack additional fees onto your monthly bill.
Can any credit fixing companies guarantee results?
No credit fixing company can guarantee that it will fix your credit report. If a company promises that it can get rid of negative but accurate items on your credit report, it's most likely a scam.
What type of negative items can credit repair specialists help with?
Credit repair specialists can help with negative and inaccurate items on credit reports. These unfairly listed items can ding your credit score, so it's a good idea to wipe them out as soon as possible. Credit repair specialists can remove from credit reports include inaccurate:
Tax liens
Bankruptcies
Foreclosures
Accounts you didn't open
Late payments
Collections
No company in the credit repair industry can legitimately remove accurate items from your credit report; to correct these items, you'll need to work to build good credit.
Can credit repair companies help with identity theft issues?
Many credit repair companies offer identity theft protection services. If you sign up, you're typically covered by an insurance policy of up to $1 million that protects you from eligible losses related to identity theft incidents.
Exact services vary by company, but may include:
Dark web monitoring
Bank account monitoring
Credit and debit monitoring
Safe browsing tools
High-risk transaction monitoring
Home title monitoring
What is the difference between credit repair and credit counseling?
Both services offer a free credit consultation, but other than that, they're quite different. The main difference is that credit repair removes negative items from credit reports, whereas credit counseling doesn't. Counseling services focus on improving your financial situation and helping you repay your debts. Counseling can consist of just one session, while credit repair can take several months, even if you work with the best credit repair companies on our list.
Summary of the Top Recommended Credit Repair Agencies
Credit Saint: Top rated credit repair company overall
The Credit People: Best guarantee
Safeport Law: Best for legal representation
Lexington Law: Most experienced company
CreditRepair.com: Most affordable credit repair program
Sky Blue Credit: Best for couples
The Credit Pros: Best for identity theft victims
