Top 7 Credit Repair Companies for 2023

Credit repair companies can help you fix your credit if you are having problems with late payments, judgments in your credit report or accounts that have gone into default. You have every right to contact your creditors on your own, but credit repair companies will do the gruntwork for you. They can complete tasks that are overwhelming or out of your reach.

We compared more than 20 credit repair agencies that provide services across the country to help you find the best provider. Lexington Law was ranked first due to its transparent pricing and highly rated app. However, other credit repair agencies also made their mark in our ranking.

Best OverallBest Money-Back GuaranteeBest for Transparent PricingBest for Fast ResultsBest Phone Support
Lexington LawCredit SaintSky BlueThe Credit PeoplePyramid Credit Help
Our PartnerOur PartnerOur PartnerOur Partner
The first work or setup fee$99.95 – $139.95$99$79$19$119 ($198 couples)
Monthly Fees$99.95 – $139.95$79.99 – $119.99$79 – $119$79 (or a flat rate of $419 per 6 months).$119 ($198 couples)
DiscountsReferrals from Military Friends and FamiliesN/ACouplesCouplesCouples, Teachers, Veterans

The Best Credit Repair Companies in 2023

  • Lexington Law – Best Credit Repair Company Overall
  • Credit Saint – Best Money Back Guarantee
  • Sky Blue Credit Reconstruction: Best in Transparent Pricing
  • The Credit People : Best for fast results
  • Pyramid Credit Reconstruction: Best Phone Service
  • Ovation : Best for Personal Service
  • : Best for Credit Report Disputations

You need help with your credit rating? Expert help is available!

Credit Repair firms help you identify and dispute errors on your credit report which could be affecting your score. To learn more, click your state.Repair My Credit

Best Credit Repair Company Reviews

Credit repair agencies are able to help you correct any errors on your report, and give you the fresh start you have always wanted. We chose companies that have a lot of positive feedback, transparent pricing, and an extensive list of services without making any outrageous claims.

Continue reading to find out what makes credit repair services different and the credit repair plans that they offer.

Best Credit Repair Company Overall – Lexington Law

Lexington Law is a credit repair company that has been around since 2004. Since then, the firm has sent 221 millions challenges and disputes on behalf their clients. Credit repair attorneys are available to help with this company. They can also provide a free credit report consultation online. Lexington Law offers a mobile app that is rated 4.7 stars on average by users.

Lexington Law offers credit repair services in all states except Oregon. They handle everything from disputing inaccurate information on credit reports, to bankruptcies and foreclosures.

Lexington Law offers 3 credit repair plans, ranging from $99.95 per month for the basic plan up to $139.95 for an enhanced plan. Their top-tier Premier Plus plan, for example, includes credit repair basics such as bureau challenges, free alerts on credit reports, identity protection and cease and desist letter.


  • Pricing that is transparent and upfront
  • Apps with high ratings
  • Credit consultations are free
  • Monitor your credit status online 24 hours a day.


  • TransUnion Credit Report Monitoring is not Included
  • Credit repair packages that are more expensive than competitors
  • No money-back guarantee

List Services

  • Credit reporting agencies: Disputes
  • Identity theft insurance
  • Credit scores for free
  • Protect your wallet from loss
  • Junk mail reducer
  • Creditor Interventions
  • Creditor assistance

Credit Saint: Best Money-Back Guarantee

Credit Saint, founded in 2004, has a BBB rating of A and is rated highly by third parties such as Consumer Advocate and Consumer Affairs.

Credit repair company offers a money-back guarantee of 90 days for challenging incorrect data. If you do not get the results that were promised in your contract within the first three month, you will get your money.

The provider offers a free phone consultation and has plans ranging from $79.99 to $119.99 per monthly. This company also charges a “initial fee” ranging from $99 to $195, depending on which plan you select.


  • Monitor your credit repair online with an online dashboard
  • Excellent money-back guarantee
  • Consultation on your options is free


  • No mobile app
  • To get started, you will need to pay an additional “initial fee”.
  • Experian is the only credit bureau that monitors your credit.

List Services

  • Credit bureaus are open to unlimited challenges
  • Credit Score Analysis
  • Creditor Interventions
  • Credit inquiry target
  • Credit report monitoring by Experian

Sky Blue is the best for transparent pricing

Sky Blue Credit is one of the oldest credit repair companies in our ranking. It has been operating since 1989. The company offers an affordable and transparent pricing model, with a monthly charge of $79 per person or $119 for couples. Sky Blue Credit, like Credit Saint charges an initial fee equal to your monthly charges.

Sky Blue Credit will help you track and monitor your credit score, while filing credit disputes to repair any damaging information on your credit report. Credit Saint offers free debt validation, cease and Desist letters, goodwill letters and more. Credit Saint also offers a money back guarantee, so if the company’s service does not meet your expectations, you can receive a refund.


  • Consultation on your options is free
  • Transparent pricing at affordable prices
  • All plans are eligible for a 90-day refund.


  • A one-time set up fee is required for credit repair packages
  • No mobile app

List Services

  • Credit disputes (upto 15 items per 35 days).
  • Credit Score Rebuilding Services
  • Research on Statute of Limitation
  • Debt validation
  • Goodwill letters
  • Stop & Desist Letters

Credit People: Best for fast results

The Credit People The company was founded in 2001. They have more than 20-years of experience to perfect their credit repair service. This company has a lot of experience and promises to improve your credit score within 60 days. This company is a great choice if you are in a hurry to repair your credit.

The Credit People provides the same basic services for credit repair as other companies in this list. However, their pricing structure is different. Start for only $19 per month and pay $79 per monthly, or prepay $419 to get six months service. The total cost per month for six months is less than $70.


  • Consultation on your options is free
  • Results in 60 Days?
  • All three credit bureaus offer free credit reports and scores
  • Track your credit repair progress with the mobile app
  • Live chat, email or phone are all options for customer service
  • You can cancel at any time to get your last payment back


  • Online information about company experts and their credentials is not available

List Services

  • Credit report disputes
  • Get your free credit score from the three major credit bureaus
  • Get a free credit report from each of the three credit bureaus
  • Debt validation
  • Validation of inquiry
  • Included in creditor communication

Best Phone Support: Pyramid


Pyramid Credit Repair is in business since 2011. Originally, they were founded as a company to provide software that would help consumers fix their credit by themselves. Pyramid added credit repair to their plans and now operates as a full service credit repair company.

Pyramid is unique because of their money-back policy, 24/7 customer service phone numbers, and transparent pricing. Credit repair for singles costs only $119 per monthly, while couples will pay $198. You can also pay an additional $25 per month to get 24/7 identity theft protection and credit monitoring that includes dark web monitoring.


  • Call Support Available 24/7
  • Unlimited credit disputes
  • Get a free credit evaluation
  • Credit repair plans come with a 90-day money back guarantee
  • No upfront fees required


  • Credit monitoring is an additional monthly fee
  • No mobile app
  • Clients can’t access online dashboard

List Services

  • Unlimited credit report disputes
  • Personal Finance Tools
  • Debt validation
  • Validation of inquiry

The Best in Personalized Service:

Ovation credit repair, a LendingTree Company, offers a free consult and an in depth look at your score and credit situation. A case advisor will get to know your situation and provide personalized credit assistance. They can also resolve disputes in a timely manner.Ovation offers plans that cost $79 or $109 a month, depending on what level of service is required. You’ll need to pay $89 upfront to start either plan.


  • Consultation on your options is free
  • Clients can monitor their credit repair progress online 24/7
  • A dedicated case manager will oversee your case
  • Cancellation is possible at any time


  • No money-back guarantee
  • No mobile app
  • To get started, $89 is required as an upfront “first work-free” payment.

List Services

  • Credit disputes
  • Debt validation
  • Goodwill letters
  • Personalized recommendation letters
  • TransUnion credit monitoring
  • Financial Management Tools is a company that has been operating since 2012. They claim to have filed over 23 million credit disputes and challenges on behalf of clients. Over the past decade, has assisted with over 7.5 million removals for their clients and participated in more than one million interventions that helped improve their credit scores. The company claims that past members’ credit scores have increased by an average of 40 percentage points in the first six months after starting their program. has three plans that vary from $69.95 per month to $119.95. Each plan requires a “first-work fee” that is equal to the monthly fee.


  • Online credit evaluation for free to discuss your options
  • The mobile app and online dashboard makes it easy to track your progress


  • No upfront fee to start
  • No refund or satisfaction guarantee

Credit Repair Guide

Working with a credit repair firm can make the process of correcting errors in your credit report easier. These companies are able to do this because they know how to fix your credit and take care of the time-consuming tasks themselves.

It is important to understand how credit repair works in order to get the best results. Learn how credit repair companies should operate, and what you need to consider when making your choice.

How does credit repair work?

Credit repair is the term used to describe disputing inaccurate information in a credit report. Credit repair agencies will do this for their clients in exchange of payment. This is usually done in the form a monthly fee.

Credit repair firms connect individuals with the most reliable credit monitoring services and credit report oversight. Credit repair companies then search for inaccurate information, false reporting and credit report mistakes that could result in a client’s credit score being lower than they deserve. Credit repair firms remove incorrect information from credit reports over time and clients’ credit scores increase as a result.

How long does credit repair take?

It takes time to dispute your credit report, whether you’re doing it yourself or hiring a credit repair company. Some of the most common credit report issues include incorrectly reported late payments and credit balances. Accounts that are falsely classified as being in collections can also be disputed.

There are certain credit actions, such as past bankruptcy, that can never be removed. It is impossible to remove collections from your credit reports if they are accurate.

Federal Trade Commission reminds that credit repair agencies are not able to remove accurately reflected negative information. If you did indeed make a late or missed payment, or if one of your accounts was sent to collections, this information will remain on your credit report for seven years, regardless of the actions or words of a credit repair company.

What is the difference between credit monitoring and credit repair?

Credit monitoring is an oversight service for your credit reports, and it provides regular reporting on the results. Credit monitoring companies can agree to monitor one or more of our credit reports, but they may also offer other services, such as free credit scores, monitoring the dark web, monitoring your Social Security number, etc. Credit monitoring companies will alert you when there is a change in your credit report, but they do not assist with disputes like credit repair companies.Credit repair and credit counseling are two different things. Credit repair companies help you correct errors on your credit report, while credit counseling firms meet with you and discuss steps you can take to improve your score.

Is Credit Repair a Scam?

According to the Federal Trade Commission, credit repair and debt relief frauds existed long before the pandemic. Most scams target consumers with credit issues or high credit card debt.

The FTC states that “These operations are designed to lure consumers into purchasing their services with false claims that they can remove negative information on consumers’ credit report even if the information is accurate.” No credit repair agency can make this claim, as it is against the law for credit bureaus remove accurate information from a person’s credit file.

The FTC states that it has brought numerous lawsuits and law enforcement actions against false credit services. In 2010, the FTC amended its Telemarketing Sale Rule to prevent for-profit businesses from charging upfront fees when selling their services via the telephone.

They write that the rule “also prohibits providers of debt relief from making false representations and requires them to disclose key information needed by consumers in order to evaluate these services.”

There are many reputable credit repair firms out there. These include companies that offer upfront, transparent pricing, and a satisfaction warranty. You can repair your credit by finding the right credit repair service that fits your needs.

You can fix your credit yourself

You should be aware that credit-repair agencies cannot do for you anything that you couldn’t accomplish yourself. Credit repair services can still be worth the money. You can repair your credit yourself if you are willing to research the necessary information and do all the work.

Note that you also have rights under the Fair Credit Reporting Act. You have the right, for example, to know the contents of your credit report as well as if it has been used against yourself. You have the right also to know what information is on your credit report and to dispute any inaccurate information.

Experian Equifax and TransUnion must also correct or remove incorrect, incomplete, or unverifiable data from your report within 30 days of being notified.

These tips will help you to repair your credit by yourself.

  • Refute any errors that are true on your credit report. You can get your hands on your best credit report from all three bureaus for free using the website If you discover incorrect information in your credit report such as incorrect late payments or balances, disputing the credit report at each credit bureau will help you correct it.
  • Pay your bills in time. Paying your bills on time or early is important for your FICO score.
  • Avoid adding new debts. Avoid taking on new debts. This can increase your credit usage rate, which can lead to a drop in your credit score.
  • Reduce the balance of revolving credit cards. The amount of debt you have is the second-most important factor in determining your FICO Score. Paying down some debts will help improve your score.
  • Keep an eye on your score. You can find your FICO score online for free. This will help you to see your current credit situation and allow you to track your progress over time.

raising the credit score of your account by 100-110 points in a short time can be achieved if you follow our recommendations. A credit repair agency will help you with the parts of the process that you do not understand or are unwilling to handle.

regularly checking your credit score can be a good idea. You can keep track of your score to see if you are improving your credit score.

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