Credit Repair Companies

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Company

Highlights

Three personalized servise packages, tailored to your needs
Free consultation over phone or e-mail
Initial work fee: $99 - $195
Monthly Fee: $79.99 - $119.99
No available discounts
90-day Money-Back Guarantee

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Over 56 million removals from their clients’ credit reports
Serving clients since 2004
Initial work fee: $89.95 – $129.95
Monthly Fees: $95.95 - $139.95
For military, family/household, and referrals discounts are available
No Money-Back Guarantee

See details

Two decades of experience and availability in 49 states
Considerable industry standing with a track record of nearly 20 years
Setup or First Work Fee: $79
Monthly Fees: $79 - $119
Discounts available for couples
90 days Money-Back Guarantee

See details

best for simple credit options

Credit Saint™

4.8

Google Reviews

Initial Work Fee
$99 - $195

Monthly Fee
$79.99 - $119.99

Money Back Quarantee
90-days

Why it was choosen?

Credit Saint™ a credit counseling service in Saddle Brook, New Jersey was chosen because of its clear pricing policies and an array of affordable and comprehensive package options.

Advantages

90-day money back guarantee

3 levels of service

If two members of the same household sign up, they will only be charged one set-up fee

Deals with every type of negative item

Free credit repair consultation

Online sign-up available

Drawbacks

Five days to first work

Credit monitoring is not included on the lowest pricing package

No online chat with the support

Limited availability, 41 states only

More info

Credit Saint™ is a credit restoration specialist that promises to deliver high results when it comes to repairing your credit. With over 15 years of experience, Credit Saint™ has helped people from all across the nation improve their credit scores.

Credit Saint™ not only provides a credit score analysis but also gives you access to a credit score tracker to monitor your progress. Some plans even include Experian credit monitoring. This way, you can be sure that you are always on top of your credit score and working towards improving it.

most experienced company

Lexington Law®

4.3

Google Reviews

Initial Work Fee
$89.95 – $129.95

Monthly Fee
$95.95 - $139.95

Money Back Quarantee
No

Why it was choosen?

No other credit repair company has helped more consumers in their pursuit of fair and accurate credit reporting than Lexington Law®. Over 500,000 people have turned to Lexington Law for help.

Advantages

High reputable experience

2 levels of service

In-house licensed attorneys

$50 discount on the second account's first-work fee when couples sign up

Free credit repair consultation

Military and family discounts

Identity theft insurance available

Online chat available

Drawbacks

More costs for extra credit report

No quarantee that your credit score will improve

No online chat with the support

Pending complaint filed by the CFPB

More info

Lexington Law® is a credit repair company that helps improve low credit scores. The fees are higher than some of the competition, but you get a free consultation when you sign up. They have lawyers on staff to help with the credit repair process

Lexington Law® services are designed to help you improve your credit score by removing negative items from your credit report. Through their dispute escalation process, they can help you remove inaccurate or questionable items from your report, and their credit score analysis will give you the tools you need to understand how your score is calculated.

Best for low budget option

Sky Blue

4.4

Google Reviews

Initial Work Fee
$79

Monthly Fee
$79 - $119

Money Back Quarantee
90-days

Why it was choosen?

Sky Blue Credit Repair offers a single, low-cost solution that includes everything you need for fast results. Their package is designed to help you quickly clean up your credit report and get back on track financially.

Advantages

90-days money back guarantee

Flat monthly fee

First results in six months

50% monthly discount for couples

Fast 35-days dispute period

Drawbacks

Credit monitoring service not included

No budgeting or other financial tools

Results aren’t guaranteed

No mobile app

Not available in every state

More info

Founded in 1989, Sky Blue is one of the most experienced credit repair services out there. With competitive pricing and a dedication to customer service, they're always ready to help you improve your credit scores. You can reach them by phone, email or support ticket, so whatever works best for you, they'll be there.

According to Sky Blue Credit, customers are informed that the credit repair process can take up to six months; however, they can discontinue anytime during that period without any additional charge.

Go to DIY Credit Repair: How To Do It

Do-it-yourself credit repair is an alternative to using a professional credit repair service. You can save money by doing it yourself, but you need to know what you're doing. With a little bit of work, you can repair your credit and get back on track.

Published 05 Nov 2022

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