The 6 Best Credit Repair Companies of June 2021

·20 min read

Improving a poor credit score or fixing credit reporting errors can be a time-consuming process. Credit repair companies can take that load off your mind, but you need to know your legal rights and what services to look for.

To choose the best provider for your needs, check out Money’s 6 top credit repair companies of 2021 below.

Our Top Picks for Best Credit Repair Companies

  • Credit Saint – Best Overall

  • Sky Blue Credit – Best for Budget

  • Ovation Credit Repair – Best for Discounts

  • The Credit Pros – Best Bonus Features

  • The Credit People – Best Bonus Features

  • Lexington Law – Best for Legal Expertise

Best Credit Repair Reviews

Credit Saint – Best Overall

Monthly fee: $79.99 – $119.99

Pros

Cons

90-day money-back guarantee

Limited availability

Options for every budget

First work fees between $99-$195

Clear pricing policies

No online chat

Online sign-up available

Credit Saint earns best overall because of its clear pricing policies and package options at different budget levels, which will vary in aggressiveness from 5 disputed claims a month to an unlimited amount with the premium plan.

Credit Saint offers a free consultation to evaluate your credit scores and identify the next steps you should take. Once you subscribe to Credit Saint, the company assigns a specialized advisory team to monitor your case and send disputes to all three credit bureaus, schedule calls periodically to keep you informed, and answer any questions you may have.

You can cancel services at any time, and there’s a 90-day money-back guarantee if you don’t see any changes in your credit history after three months.

Available packages:

Credit Polish
$79.99 p/m

Credit Remodel
$99.99 p/m

Clean Slate
$119.99 p/m

$99 one-time initial work fee

$99 one-time initial work fee

$195 initial work fee

Dispute up to 5 items per monthly cycle

Dispute up to 10 items per month

Unlimited monthly disputes

Goodwill intervention letters to creditors

Experian monitoring

Experian monitoring

Goodwill intervention letters to creditors

Goodwill intervention letters to creditors

Escalated information requests

Escalated information requests

Disputes for bankruptcies and repossessions

Judgment disputes

Sky Blue Credit– Best Budget Option

Monthly fee: $79 – $119

Pros

Cons

90-day money-back guarantee, condition-free

No monthly credit monitoring

50% off a month for couples discount

No financial tools, such as budgeting

Repair up to 15 items every 35 days

No free consultation prior to enrollment

Online sign-up available

Sky Blue Credit has a simple pricing model that allows you to take advantage of all its credit repair services for a flat rate of $79 a month, or $119 a month for couples (both married or unmarried partners).

Their credit repair plans include:

  • An initial analysis of disputable items

  • Identification and review of potential errors in your report

  • Disputes for 15 negative items per each 35-day cycle

  • Access to debt negotiation consultants

  • Credit score assistance and other credit score rebuilding programs

  • A condition-free 90-day-guarantee

According to the company, each credit repair process takes approximately 6 months to complete and cancellation is allowed at any time without incurring any penalties.

Ovation Credit Repair– Best for Discounts

Monthly fee: $79 – $109 per month

Pros

Cons

Multiple available discounts

Credit monitoring only provided with Essential Plus

Cancel any time

Phone-only application process

Financial management tools available with both plans

No 24/7 support

Parent company Lending Tree has a solid reputation

Ovation Credit Repair stands out when it comes to discounts. They offer a 20% couples discount, a credit of up to $50 on your next monthly payment for referring a friend or switching from another credit repair company, and discounts for seniors and members of the military.

Ovation Credit Repair offers two levels of credit repair:

Essentials Plan – $79 p/m

Essentials Plus Plan – $109 p/m

$89 one-time initial work fee

$89 one-time initial work fee

Free consultation with a credit expert

Free consultation with a credit expert

Personalized credit dispute options

Personalized credit dispute options

A case advisor that will oversee the process from start to finish

A case advisor that will oversee the process from start to finish

Personalized dispute options

Unlimited dispute and goodwill letters to creditors

Personal case advisor

TransUnion credit monitoring

Financial Management Tools

Official Ovation recommendation letter for future potential lenders

The Credit Pros– Best Bonus Features

Monthly fee: $69 – $149

Pros

Cons

Financial management tools and credit monitoring included with every plan

Live chat available

Certified FICO professionals

No setup fee

The Credit Pros credit repair package features useful financial management tools, no matter which package you purchase. Other companies offer these perks only if you select the most expensive plans.

Tools include real-time account sync, bill reminder, and a budgeting system service. Each plan has a complimentary credit monitoring solution, but The Credit Pros also offer multiple tools to track inaccurate personal finance information, from dark web monitoring to social security trace and pay-day monitoring.

The company’s free consultation is available in both English and Spanish, as well — something not common in the credit repair industry.

There are 3 packages to choose from:

Money Management
$69 p/m

Prosperity Package
$119 p/m

Success Package
$149 p/m

$119 one-time initial work fee

$119 one-time initial work fee

$149 one-time initial work fee

One credit dispute per month

Same features as the Money Management plan

Same features as the Money Management plan

Updated free credit reports every 60 days

Unlimited number of monthly credit disputes

Unlimited number of monthly credit disputes

Goodwill letters

Discounts on medication

Discounts on medication

Debt validation

No credit line

Discounts for National Credit Direct products

Cease and desist letters to lenders

Credit line from National Credit Direct

Access to the company’s legal network

Personalized action plans with certified FICO professionals

Credit line from National Credit Direct

The Credit People – Best Guarantee

Monthly fee: $79 or $419 six month flat-rate

Pros

Cons

Simple pricing structure

No credit monitoring

FCRA-certified consultants

No financial management tools

24/7 account access and online enrollment

Low one-time first work fee ($19)

The Credit People have two membership options with a clear-cut pricing structure: $79 a month or a $419 flat rate membership for a 6-month plan. What sets it apart from other credit repair companies is its satisfaction guarantee. If you are not satisfied with The Credit People’s services, you cancel at any time without paying for that month and receive a refund for the previous month’s payment.

Both memberships include the following credit repair services:

  • $19 first work fee

  • Unlimited credit disputes

  • Debt and inquiry validation

  • 6-month satisfaction guarantee for flat-rate membership

  • Creditor communication

  • Support beyond credit reports

Lexington Law– Best for Legal Expertise

Monthly Fee: $89.95 – $129.95

Pros

Cons

Long, proven track record

Credit monitoring only available with priciest plan

Online contact options

Financial management tools only available with Premier Plus plan

Employs attorneys and paralegals

Pending legal action from the CFPB

Free credit report consultation

No satisfaction guarantee

Lexington Law is well-known in the credit repair industry, with years of experience and nationwide availability.

With a team of experienced attorneys, they guarantee clients an accurate credit report and will explore all the legal options to correct any mistakes. Their account reps — often paralegals — offer personalized support over extended hours, seven days a week.

The company also uses credit monitoring software and has a useful mobile app where users have 24/7 access to their credit score analysis and counseling plan.

Available credit repair packages:

Concord Standard
$89.95 p/m

Concord Premier
$109.95 p/m

Premier Plus
$129.95 p/m

Bureau challenges

Bureau challenges

Bureau challenges

Creditor interventions

Creditor interventions

Creditor interventions

InquiryAssist

InquiryAssist

Score analysis

Score analysis

ReportWatch

ReportWatch

TransUnion alerts

TransUnion alerts

Cease & desist letters

FICO score tracker

Identity theft protection

Personal finance tools

Lexington Law is currently pending legal action from the Consumer Financial Protection Bureau (CFPB).

Other Companies We Considered

When we looked at the credit repair industry, we found that some credit repair services didn’t necessarily offer the best products. Here are the companies that didn’t quite meet our standards.

CreditRepair.com

What we liked

The deal breakers

Simple process

Zero info about their staff’s qualifications

Educational blog

Pending legal action from the CFPB

Unclear information on their three plans

AMB Credit Consultants

What we liked

The deal breakers

6-month money-back guarantee

Extra fee for third-party credit monitoring

Online enrollment available

Higher than average fees

Discounts for couples

Expensive one-time enrollment fee of $149

One easy-to-understand plan

Pyramid Credit Repair

What we liked

The deal breakers

50% discount for couples on their first month

More expensive than the industry average

90-day money-back guarantee

Higher than average fees

Extended customer service hours

Expensive one-time enrollment fee of $149

No upfront fees

Not available in some states

Sparse information

Pinnacle Credit Repair

What we liked

The deal breakers

Two Fast Track options for results within 15 or 60 days

Fast Track tier costs between $1,500 and $2,500

Fast Track Elite option gives access to personal credit mentor

High first-work fee of $199

Connects account members to their network of lending partners

No free consultation available

Limited information on the website

Creditfirm.net

What we liked

The deal breakers

Low monthly fee of $49.99

Monthly credit monitoring not available

Cancel any time

No guarantee

Unlimited disputes to creditors

No debt settlement services

24/7 service

Outdated website makes it hard to navigate

Customers must send in credit reports themselves

Credit Assistance Network

What we liked

The deal breakers

Cancel anytime

High first work fee of $179 per individual, and $279 per couple

No flat monthly payment, as you pay for concrete results

Complicated pay structure charges fees for each deletion

Issues cease and desist letters to collection agencies

No monitoring

Contradictory and false information on its website

Unsecured website

Credit Glory

What we liked

The deal breakers

24/7 customer support

High first-work fee of $199

Two options for victims of identity theft

Only removes negative items

90-day money-back guarantee

No credit monitoring

Won’t pull your credit report

Credit Versio

What we liked

The deal breakers

Affordable fees start at just $19.95 per month

Smart system’s DIY process means work for the customer

Letter generator so customers can fill in their own info

No money-back guarantee

Video lessons

No free consultation

No credit repair consultants or live sessions

Credit Repair Guide

What You Should Know Before You Pay for a Credit Repair Company

calendar with clock
calendar with clock

Credit repair takes time
It can take from three months to a year to see an improvement on your credit report.

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open scissors


Not everything can be removed
Late or missed payments, hard inquiries, charge-offs, and debt collections can only be removed if they can be verified as inaccurate information. For steps on how to deal with negative items that cannot be removed, read our guide on how to repair bad credit.

folder with person icon on top
folder with person icon on top

You have to do some of the legwork
You still have to provide credit repair agencies with information and evidence about your accounts.

wrench in a gear
wrench in a gear

Most companies have setup fees
Most credit repair companies charge a first work fee. A first work fee is a one-time fee charged for opening the account, ranging from $15 to $200.

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document icon

Legitimate credit repair companies should include a copy of the Consumer Credit File Rights.
The 1970 passing of the federal Fair Credit Reporting Act (FCRA) gave consumers the right to request and access all their data in the files of consumer reporting agencies. This includes the Consumer Credit File Rights, which outlines the legal extent of your rights in the face of any credit repair company, and should be given to you before signing any agreement.

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circle with forward slash through it

You have the right to cancel any services without incurring any penalties within 3 business days.
This is in compliance with the Federal Trade Commission’s (FTC) Cooling-Off Rule.

dollar sign enclosed in a circular arrow
dollar sign enclosed in a circular arrow

Credit repair companies can’t charge you in advance for their services.
These companies can only charge you for services they have actually fulfilled, though they may charge a first work fee upfront.

How Credit Repair Agencies Work

Each credit repair company has its own way of doing things, but most of them follow a four-step process:

1. Free Consultation

At a free consultation, the company will:

  • Walk you through the credit repair process

  • Pull up your credit report from all three bureaus

  • Determine if you’d be a good candidate for a credit repair

2. Power of Attorney and Consent

If they find inaccuracies, they will:

  • Send you a document that lists possible errors for you to evaluate

  • Send you a written contract establishing a power of attorney or another form of consent

3. Challenge Items

With your legal consent, the company proceeds to challenge and clean up the inaccurate items, through letters and phone calls. They will contact creditors and the three major credit bureaus.

Credit reporting agencies must investigate within 30 days of receiving a dispute. Once the errors are confirmed, they have to remove them from your credit profile.

4. Progress Report

The credit repair company will:

  • Track the progress and updates the status of each disputed item

  • Send progress report along with an updated copy of your credit report, so you can review the changes

Difference between credit repair, debt settlement and credit counseling

Debt settlement, credit repair and credit counseling are all in the personal finance sphere, but it’s important to note the key differences between the three services.

Debt settlement service

Credit repair service

Credit counseling service

For-profit service

For-profit service

Non-profit, but may charge a service fee

Resolves your debt and makes a deal to pay it off at a reduced amount

Identifies and repairs mistakes on your credit report

Provides debt and money management advice, but does not renegotiate overall debt

Involves stopping debt payments until a settlement is reached.

Communicates with creditors and reporting bureaus to get mistakes corrected and removed from your credit report

Negotiates payment plans with creditors to protect you from debt collectors or late fees

Will impact credit negatively for up to 7 years

Improves credit by removing reporting mistakes

Improves credit with debt management plans

Hurts chances of getting loans or credit cards

Increases the possibility of being approved for loans and credit cards

Increases the possibility of being approved for loans and credit cards

Best as a last resort

Best for people who don’t have the time to repair their credit themselves

Best if you’re having trouble making payments and need some help

If you’re interested in using a credit counselor, The National Foundation for Credit Counseling offers low-cost debt counseling, debt consolidation, and debt management plans.

DIY Credit Repair

Credit repair companies come in handy if you can afford the service and don’t have the time to dispute the items, but if you’d rather save the money, you can remove items from your credit report, for free. Note that while contesting errors on your report will help your bad credit, it won’t automatically get you good credit.

How to choose the right credit repair company

Look for Credit Repair Organizations Act (CROA) compliance

CROA establishes clear directives that legitimate credit repair companies must follow. Make sure the company you select is compliant in every step of the process.

Companies must provide a written contract explaining in detail the services they will provide, how long it will take to help you, guarantees, and the total credit repair cost for their services.

You have the right to walk away without penalty if the contract does not satisfy your requirements.

Research customer reviews

Sources like Google Reviews, Better Business Bureau (BBB) and Yelp are a useful starting point to gauge customer experience.

We advise you to complement your findings with further research. Some platforms charge fees in order to feature the companies and reviews are generally not verified or authenticated.

Our picks for the best credit repair companies have all received positive customer experience feedback.

Compare fees and turnaround times

Legitimate credit repair companies will list their prices and services clearly, so consumers can select the right package for their needs. Turnaround time should be reasonable and the company must keep you updated with the progress.

Look for additional features

Besides their standard credit repair services, many credit repair companies include features like financial tools, guidance and expert advice, satisfaction guarantees, credit monitoring, and identity theft protection services.

A free credit consultation can be particularly useful, because you can get a professional evaluation without committing to the service.

...) 7 Warning Signs of a Credit Repair Scam

Credit repair companies are governed by the Credit Repair Organizations Act (CROA) and the Telemarketing Sales Rule. These laws make it illegal to make certain promises or misrepresentations and require specific disclosures when offering credit repair services.

If a credit repair service does any of the following, they might be taking advantage of you:

Asks for upfront payment before doing any work for you. The CROA explicitly forbids companies to request or receive payment until they’ve completed the promised services.

Avoids or refuses to explain your rights to you or asks you to waive those rights. Credit repair companies are required to give you a copy of the Consumer Credit File Rights Under State and Federal Law and a copy of the contract to view before signing. Luckily, the CROA automatically voids any waiver of rights.

Promises to remove ALL negative information from your credit report. While a credit repair company can remove incorrect information from your report, they can’t legally take off negative data if it’s accurate.

Tells you to give false information or dispute accurate information. Some scammers advise clients to claim they’ve been the victim of identity theft to get negative items taken off — even if no such thing occurred. This is illegal and could land you in serious trouble.

Tells you not to contact the three credit reporting bureaus. Everybody’s entitled to one free credit report a year from each of the credit reporting companies.

Promises a new credit identity or asks you to create one. Some shady services give you a nine-digit identification number they call a CPN (credit profile or credit privacy number). Another tactic is asking you to apply for an Employer Identification Number from the IRS. Sometimes they’ll even illegally sell you a new Social Security Number, often stolen from children. They then ask you to apply for credit using these new numbers. This is illegal and a scam.

The contract is missing key information, such as the fees charged, a breakdown of the services to be provided, the time period in which said services will be provided, the company’s name and business address, or a section in the contract notifying your right to cancel it within three days of signing.

7 warning signs of a credit repair scam
Getty; Money

Covid-19 and Credit Repair

CARES Act protections

You can obtain an extension and a forbearance of 180 days. These protections are valid until June 30, 2021.

Forbearance, payment deferrals or pauses will not show up on your credit report and will not bring down your credit score. This applies to suspended collections and defaults as well.

Homeowners with federally backed loans ( HUD, FHA, VA, USDA, Fannie Mae and Freddie Mac) are protected from foreclosure and can apply for mortgage forbearance.

Student loans are eligible for suspensions on loan payments, collections, defaults and interest rates are set to zero until at least September 30, 2021.

Free credit reports

Experian, TransUnion, and Equifax are offering access to a free credit report weekly through April 2021. Take advantage now to check your reports for errors and, if there are any, consider hiring services of a credit repair company to fix them.

Credit reporting errors during COVID-19

Reporting mistakes happen and deferred payments due to COVID-19 can still show up as “late payments” on your credit report, so it is important to check your report regularly. If you notice any errors, contact your lender right away. If it is not corrected, contact the credit reporting agencies to begin a dispute process.

Credit Repair FAQs

What is a credit repair agency?

A credit repair company, also called a credit restoration company, specializes in finding and disputing mistakes on your credit report. Additional services may include financial tools, credit monitoring and expert credit advice.

Are credit repair companies a scam?

Credit repair companies are legal. The Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA) were created to provide consumer protection against companies that lie about their services.

How to fix your credit?

You can definitely DIY your credit repair, but it will take time, effort and patience. You can dispute negative information with the lender, and if that does not work, write letters of dispute directly to the reporting agencies. They are legally obligated to investigate and respond, at no charge to you.

How can I verify a credit repair company?

Be well informed on what credit repair companies must comply with. Reading the Credit Repair Organization Act (CROA) and the Fair Credit Reporting Act (FCRA) beforehand can help.

Research company reviews online, customer complaints on CFPB’s database and look up any recent FTC violations.

Is credit repair worth the cost?

Most people can manage their credit repair for free with a bit of time and effort. However, if you don’t have the time to dispute credit issues and can afford to pay for the service, it may be worth it. Victims of identity theft or people with multiple reporting errors can also benefit. Credit repair agencies offer a variety of packages at different prices to fit the needs of their customers.

How We Chose The Best Credit Repair Companies of 2021

Trustworthiness

The companies in our list of the best credit repair services have been around for over ten years and have a strong reputation and positive customer reviews across different platforms. We looked for any history of FTC violations and searched the Consumer Financial Protection Bureau Database to verify any history of customer complaints or enforcement actions.

Product offering

A credit repair service essentially assumes responsibility for writing dispute letters, communicating with lenders and credit bureaus and ensuring removal of each item. It helps if the standard service is complemented with other features. Multiple pricing options, additional financial tools, expert advice and service guarantees helped companies stand out from the competition.

Summary of Money’s Best Credit Repair Companies of May 2021

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