10 Best Credit Repair Companies & Services to Fix Credit Score in 2023

(Ad) Your credit history plays an important role in whether you qualify for loans and how much interest you pay when borrowing money. If you have errors on your credit report or negative items that are questionable, credit repair companies can help.

Credit repair companies work with your creditors and the major credit bureaus to dispute and challenge negative items that might be hurting your credit score. However, choosing the right credit repair company isn’t easy, considering how many credit repair services there are to choose from.

We’ve reviewed the top credit repair companies on a variety of factors including company reputation, user reviews, cost, success rate, and guarantee.  If you’re ready to get your credit score on track, here are the 10 top rated credit repair services for 2023.

The 10 Best Credit Repair Companies of 2023

• Credit Saint: Best credit repair company overall
• Lexington Law: Most experienced credit repair experts
• CreditRepair.com: Best for free credit score analysis
• Sky Blue Credit: Best value and most affordable
• The Credit Pros: Best for credit monitoring and identity theft
• The Credit People: Best guarantee
• Ovation Credit Services: Best for credit education and tools
• AMB Credit Consultants: Best for veterans
• Pinnacle Credit Repair: Best customer service
• Credit Assistance Network: Best credit improvement plans

Review of the Top Credit Repair Services

#1. Credit Saint: Best Credit Repair Company Overall

Credit Saint is our top pick for the best credit repair service of 2023. Credit Saint is a trusted and experienced credit repair agency with a 90-day money-back guarantee and several different credit repair plans to choose from.

Credit Saint is a popular company with more than 15 years of experience helping people repair their credit. Credit Saint walks customers through the credit repair process, starting with a free credit evaluation. If you choose to work with Credit Saint, you’ll get a dedicated team of advisors who will handle your credit disputes and provide tailored advice on optimizing your credit report.

Credit Saint’s services include:

• Credit monitoring
• Credit challenges to all three credit bureaus
• Credit score analysis
• Credit score tracking
• Hard inquiry targeting
• Creditor intervention

Credit Saint offers these services at varying levels, depending on the package the customer chooses. Customers access credit reports and analyses via a private online dashboard, making tracking their credit repair progress easy. Every Credit Saint customer also enjoys a free credit consultation and a 90-day money-back guarantee.

We’re not the only ones hailing Credit Saint as one of the top credit repair companies in the industry. Many financial institutions consider Credit Saint a top pick for credit repair, including Money.com, Credit Takeoff, and the Credit Review.

*Credit Saint’s services may not be available in all states.

Plans Offered

Credit Saint customers choose from three available plans:

Credit Polish: This plan costs a monthly fee of $79.99 with a setup fee of $99. Customers on this tier receive credit score tracking and analysis services, creditor intervention, and limited challenges to all three credit reporting agencies.

Credit Remodel: The mid-tier plan costs a monthly fee of $99.99 with a $99 setup fee. It includes all services on the lower tier plus inquiry targeting services.

Credit Premium: The top tier costs a monthly fee of $119.99 with a setup of $195. It includes all services provided on the lower-level plans plus unlimited credit challenges.

Click Here to Learn More About Credit Saint

#2. Lexington Law: Most Trusted and Experienced Credit Experts

Lexington Law, another reputable credit repair company, connects customers with lawyers and paralegals who help them take control of their credit. This trusted credit repair agency has almost two decades of experience assisting clients with personalized financial and legal strategies. The Lexington Law team can help you monitor your credit score, understand your credit report, and dispute negative items.

Depending on which pricing plan you choose, you’ll get the following services:

• TransUnion credit monitoring
• Creditor intervention
• Credit bureau disputes
• Inquiry assistance
• Credit report analysis
• Credit report alerts
• Credit score tracking

Lexington Law’s services go beyond the usual credit repair offerings to include identity theft insurance, lost wallet protection, a debt handler tool, junk mail reduction, and personal finance tools.

Clients of this credit repair firm enjoy a free credit consultation that includes a free credit score, report summary, and repair recommendation.

Plans Offered

Lexington Law offers four pricing plans:

Lexington Essentials: This basic plan costs a monthly fee of $59.95 and includes a limited number of bureau disputes (four per cycle for Equifax and TransUnion and three per cycle for Experian), two creditor interventions per month, up to $25,000 in identity theft insurance, the Inquiry Assist tool, DebtHandler tool, and Personal Finance Manager.

Concord Standard: The next plan costs a monthly fee of $99.95 for six Equifax and TransUnion challenges, three Experian challenges, and the same services offered in the Essentials tier minus the Personal Finance Manager.

Concord Premier: This plan costs a monthly fee of $119.95 for the same number of challenges, all services offered in the Standard plan, and additional services, including credit report analysis and watch alerts.

Premier Plus: The highest-priced plan costs a monthly fee of $139.95 for up to eight Equifax and TransUnion disputes, three Experian disputes, and additional services, including lost wallet protection, up to $1 million in identity theft insurance, TransUnion FICO scores, and junk mail reduction.

This company also offers basic credit monitoring plans at reduced prices. These plans don’t offer the same level of services but may better suit a consumer on a tight budget.

Click Here to Learn More About Lexington Law

#3. CreditRepair.com: Best for Free Credit Score Analysis

Many lists of the top credit repair companies include CreditRepair.com due to its great reputation and excellent customer service. CreditRepair.com helps customers in various credit situations, whether they only have a few negative items on their credit reports or they need aggressive credit repair services.

If you trust this company with your credit repair, you’ll get access to a personal dashboard and stay up to date on your report through text and email alerts.

CreditRepair.com offers all the services you expect from a top credit repair company, including:

• Credit monitoring
• Bureau challenges
• Inquiry assists
• Goodwill letters to creditors
• Cease and desist letters

Like the other credit repair services on this list, CreditRepair.com provides new customers with free online credit evaluations that include a free score, a summary of negative items, and a recommended solution.

Customers also enjoy many options for connecting with customer service, including phone, email, live chat, and support tickets.

Plans Offered

Customers who use this credit repair service choose from three pricing plans:

Direct: This plan costs $69.95 per month with a $69.95 first-work fee. It includes bureau challenges, goodwill intervention, inquiry assists, and credit score updates every quarter. The number of challenges available per plan is not specified on the company website.

Standard: The middle tier costs $99.95 with a $99.95 first-work fee and includes the additional benefits of a FICO Score Inquiry Assist service. This service allows customers to challenge inquiries on their accounts.

Advanced: This plan costs $119.95 per month with a $119.95 first-work fee. It includes all the above services, monthly credit scores, and a higher number of bureau disputes and creditor interventions. This tier also includes cease and desist interventions.

The best credit repair plan for you will depend on your situation. You may not need the most expensive option if your credit report only has a few negative items.

Click Here to Learn More About CreditRepair.com

#4. Sky Blue Credit: Best Value and Most Affordable

Sky Blue Credit has been helping customers improve their credit health since 1989 and remains one of the top rated credit repair companies in the industry. Experienced teams provide comprehensive credit repair that takes the stress out of the credit restoration process. Sky Blue Credit can help you challenge inaccuracies on your credit report, help you build your credit by opening new accounts, and provide intervention to help you deal with creditors.

Sky Blue Credit repair services include:

• Credit score analysis
• Disputes to all three credit bureaus
• Statue of limitation research
• Credit score assistance
• Credit rebuilding
• Debt validation
• Goodwill intervention
• Cease and desist intervention

If you trust your credit repair to Sky Blue Credit, you’ll benefit from a free credit score analysis and a 90-day money-back guarantee that begins on the date you enroll. This trusted credit repair company also allows customers to pause or cancel service at any time via the Sky Blue Credit portal. They can also use this online dashboard to change their bill dates to the most convenient dates.

Plans Offered

Only one plan exists for Sky Blue Credit repair services, which some find disadvantages, but we appreciate the simplicity. Rather than trying to understand your credit report to determine how much help you need, you can get all the services Sky Blue Credit offers for an affordable monthly fee of $79.99. Sky Blue Credit also charges a $79.99 setup fee.

Members can add a second person for just $40 per month, which offers excellent savings to couples looking for reputable credit repair services. Membership for two people costs $119 per month with a $119 setup fee.

Sky Blue Credit services don’t include credit monitoring or financial tools, so it may not be the best credit repair agency for you if you’re looking for these additional services.

Click Here to Learn More About Sky Blue Credit

#5. The Credit Pros: Best Service for Credit Monitoring and Identity Theft

Although not as old as some other credit repair organizations on this list, The Credit Pros offers comprehensive and reputable credit restoration services. Founded by experts in credit law, this company provides all the credit services you need, including identity theft protection.

Customers who choose The Credit Pros benefit from one-on-one help from specialists with certifications from the National Association of Credit Services Organizations (NACSO). You can rest assured that if you choose this credit repair company, you’ll receive services of the highest standard.

Services offered by The Credit Pros include:

• Credit analysis
• Identity theft restoration
• Identity theft insurance
• Credit dispute letters
• Goodwill letters
• Cease and desist letters
• Debt validation

The Credit Pros offers a free credit score analysis to every new customer, transparent pricing, and credit improvement services by certified professionals. It also promises customers that it will keep their personal information secure, a must when working on credit repair.

Plans Offered

The three pricing plans The Credit Pros offers include the following:

Money Management: The most affordable plan costs a monthly fee of $69 with a $119 first-work fee. It provides credit scores and reports from one bureau, dark web monitoring, TransUnion alerts, and access to a budgeting system.

Prosperity: This tier costs a monthly fee of $119 with the same first-work fee as above. It includes all of the services from the first tier as well as credit challenges from all three credit bureaus, creditor interventions, cease and desist letters, and letters of reference.

Success Plus: The top tier costs a monthly fee of $149 with a first-work fee of $149. It includes all the services in the first and second tiers, credit reports and scores from all three bureaus, and credit builder loans.

The website indicates that customers get unlimited credit challenges with a certain plan but does not specify which.

Click Here to Learn More About The Credit Pros

#6. The Credit People: Good Credit Fixers for Fast, Reliable Results

If the high setup fees listed for the above credit fixing companies seem too steep, consider The Credit People, a credit repair agency with more than 15 years of experience helping customers repair their credit. This trusted credit repair service provides an affordable credit restoration option with simple pricing, low initial work fees (only $19), and free credit reports from all three major credit reporting agencies. You can begin your conversation with The Credit People with a free credit consultation.

Of course, this service wouldn’t be on our list of the best credit repair companies if it didn’t offer comprehensive credit clean up services. These services include:

• Credit challenges to all three credit bureaus
• Credit score analysis
• Creditor intervention
• Custom credit priorities
• Monthly credit scores
• Credit score “before and after”

Affordable pricing isn’t the only factor that makes The Credit People one of the top credit repair services. This company also provides an industry-leading satisfaction guarantee. Rather than the typical 90-day money-back guarantee, The Credit People offers unhappy customers instant cancellation with no monthly fees and a refund of the previous month at any time.

Plans Offered

The Credit People offers one plan option but with two prices, depending on if the customer wants to pay monthly or a higher flat rate. Customers receive every service listed in the above section, including unlimited credit challenges, for $79 per month (plus a setup fee) or a flat rate of $419 for six months (with no fees). You will save about $10 monthly if you opt for the higher six-month rate.

The Credit People only charge $19 for the monthly plan setup fee, a huge discount compared to other credit repair specialists. This pricing makes it easy for customers on a budget to find reliable credit repair solutions to address errors on their credit reports and rebuild their scores.

Click Here to Learn More About The Credit People

#7. Ovation Credit Services: Popular Credit Help Company with Good Reviews

Ovation Credit Services is another credit fixer founded by a team of lawyers. This company offers reliable credit monitoring and restoration services and some of the best customer service in the industry. Customers enjoy one-on-one customer care, expert advice, and all the essential services you expect from a credit repair company.

The Ovation Credit Services website features a comprehensive Education Center, where you’ll find detailed answers to all your credit repair and credit score questions, plus helpful advice on raising your credit score.

Services offered by Ovation include:

• One-on-one advisors
• Credit challenges
• Recommendation letters
• Creditor intervention
• Debt validation
• TransUnion credit monitoring
• Same day service
• Financial tools

You can try this credit cleaner with a free credit consultation. An expert credit analyst will review your reports with you and offer advice on achieving better credit.

Ovation proves its dedication to being one of the best credit repair companies with a secure refund policy. Customers can request refunds for any month if they feel the provided services failed to meet agreed-upon expectations. They can also cancel service at any time.

This top credit repair agency also offers tons of credits and discounts, including:

• Competitive Upgrade Credit: Customers who switch from another credit repair company get a $50 credit from Ovation.
• Tell a Friend Credit: Customers also get a $30 credit for every referral they provide.
• Couples Discount: Any two people (spouses, family members, or friends) can join together for a $20 discount.
• Military Discount: Retired and active duty military members receive a 10% discount (with a valid military ID).
• Senior Discount: Lastly, all customers aged 65 and older receive a 10% discount.

*These discounts do not apply to the setup fee.

Plans Offered

Ovation Credit Services offers two pricing plans:

Essentials: This plan costs $79 per month with an $89 setup fee. It includes credit challenges, advice from professional advisors, and access to a personalized dashboard and financial tools for budgeting, paying debts, and more.

Essentials Plus: This plan costs $109 per month with the same $89 setup fee. It includes all services listed for the above plan, plus TransUnion credit monitoring, an official recommendation letter for lenders, debt validations, creditor letter templates, and access to a fast-track add-on for a one-time fee.

#8. AMB Credit Consultants: Best for Fixing Credit Report Errors

AMB Credit Consultants has more than a decade of experience helping consumers remove inaccurate, misleading, outdated, and unverified information from their credit reports. The AMB Credit Consultants team understands the potentially devastating impacts of credit reporting errors and aims to provide the credit repair services, advice, education, and personal finance tools customers need to gain and sustain credit leverage and generational wealth.

This company goes beyond basic credit score repair with a dedication to helping clients sustain credit health once they achieve it. Customers receive advice and education on credit scores, proper credit behavior, and more to help them build their credit scores and make smarter financial decisions.

The AMB Credit Empowerment Program includes the following services:

• Credit report audits
• Personalized action plans
• Unlimited disputes to credit bureaus
• Creditor interventions
• Personal finance tools

Customers who trust this integrity-driven credit help company get more than just credit challenges. AMB Credit Consultants educates its clients on how to build credit and sustain a healthy financial status for long-term change. The client testimonials speak for themselves, with many customers gaining the ability to purchase a new car or a home for the first time.

Plans Offered

The AMB Credit Empowerment Program provides services for individuals and couples seeking better credit:

• Individual: Joining this credit repair program costs $99 per month for individuals, plus a $149 one-time setup fee.
• Couple: For couples, the program costs $198 per month with a setup fee of $198.

AMB Credit Consultants doesn’t provide credit monitoring services. Instead, they ask customers to join their preferred monitoring site IdentityIQ. This service costs a monthly subscription fee, but subscribers can access all three credit reports and scores. IdentityIQ subscribers also get $25,000 in identity theft insurance, daily credit monitoring, credit alerts, fraud alerts, and identity theft restoration.

#9. Pinnacle Credit Repair: Highly Rated Credit Cleaner with 120-Day Money Back Guarantee

Pinnacle Credit Repair is hailed as the fastest credit restoration service in the industry. Powered by artificial intelligence software designed by CEO Andre Nguyen, this service quickly finds and disputes negative credit report items for fast credit improvement. According to the website, customers begin to see items removed from their credit reports in as few as 15 days.

Pinnacle Credit Repair offers the following services:

• Credit report audit
• Challenges to credit bureaus
• Credit improvement strategies
• Personal credit mentoring
• Lender assistance
• Free access to all three credit reports

Credit mentors working for Pinnacle Credit Repair have many lending partners, including credit unions, banks, auto dealers, and others, making it easier for their clients to get the financing they need.

Like many of the other services on our list of the best credit repair companies, Pinnacle Credit Repair offers new customers free credit reviews to gain insight into their financial goals. New customers also enjoy a generous 120-day money-back guarantee. If you join Pinnacle and find yourself unsatisfied with the service after your 120-day enrollment period, you can request a refund.

Plans Offered

Pinnacle Credit Repair customers have two options for purchasing service:

Fast Track Elite: This program provides fast credit repair for $99 per month with a $299 enrollment fee. The company’s proprietary AI system A.C.A.T. provides an average deletion ratio of 40% in the first 15 days ― the fastest results in the industry. Customers also receive personalized advice from a professional credit mentor.

Hire Andre personally: Customers with severe credit issues who need more personalized attention can pay a one-time fee between $1,700 and $3,000 for one-on-one service from CEO Andre Nguyen. By working with Andre directly, customers benefit from an average of 80% deletion within the first 30 days.

#10. Credit Assistance Network: Best for Credit Improvement Plans

Credit Assistance Network has provided credit services since 2004. This reputable and experienced credit repair company consists of several services offered in a single package, including The Credit Pros, Credit Sentry, ID Cover, and more. This service uses a next-generation methodology and credit dispute algorithm that the Credit Assistance Network staff has spent a decade perfecting.

Customers benefit from white-glove credit restoration and 24/7 access to credit scores and progress through the web or a convenient credit repair app. They also receive protection against the potential impacts of identity theft.

Credit Assistance Network offers the following services:

• Credit report review
• Dispute letters to the three major credit bureaus
• Complaint filing for legal violations
• Creditor interventions
• Debt validation
• Updated credit reports
• Identity theft protection
• Finance management resources

If you leave your credit improvement to Credit Assistance Network, you’ll receive help from certified credit specialists and more comprehensive services than some competitors. For example, Credit Assistance Network offers identity theft resolution, public record disputes, security clearance assistance, and one-on-one coaching on how to build credit.

Customers also enjoy a 100% money-back guarantee for the first 90 days of service and a 20% discount for signing up with a spouse, relative, or friend.

Plans Offered

Credit Assistance Network offers three credit repair packages:

Money Management: The most affordable package costs $49 per month for TransUnion credit monitoring and scores, complete credit reports, identity protection services like dark web monitoring, and financial tools. This package does not include services by The Credit Pros.

Prosperity Package: This package costs $119 per month and includes all of the above services, plus credit restoration services, debt assistance, debt validation, creditor intervention, and 80% off medications through Slash Rx.

Success Package: The highest-priced package costs $149 per month and includes all services in the lower two tiers, plus a guaranteed line of credit with the Hutton Chase tradeline. This line of credit gets reported to Experian and TransUnion.

How Do Credit Repair Companies Work?

Identifying and challenging credit report inaccuracies is a crucial part of managing your credit, but many people struggle to understand their credit reports, let alone navigate the dispute process. Legitimate credit repair companies help customers improve their credit histories and scores by disputing negative items on their credit reports and educating them on maintaining credit health.

When you trust one of the top credit repair companies to repair your credit, you give that entity permission to access your credit report, challenge negative items, and communicate with creditors on your behalf. Many people benefit from these services because they don’t have the experience, knowledge, or time to handle these responsibilities independently.

What Is the Credit Repair Organizations Act?

Like any other industry that deals with customer finances and personal information, the credit repair industry includes its fair share of scammers. The Credit Repair Organizations Act (CROA) helps protect consumers from credit repair scams by requiring credit fixing companies to conduct business in specific ways.

The CROA forbids these companies from overstating or overselling their services. In other words, companies may not misrepresent what they can do for customers. For example, if a company promises specific results or indicates incorrectly that a consumer couldn’t complete the same process by themselves, it would violate the CROA and be subject to legal ramifications.

The CROA also prohibits credit repair firms from charging customers for services before they have been performed and requires that they disclose a copy of the “Consumer Credit File Rights Under State and Federal Law” as laid out in the legislation.

Complaints against credit repair scams or noncompliant companies go to the Consumer Financial Protection Bureau, a government agency that protects consumers from unfair business practices.

Types of Services That Credit Repair Companies Offer

Although specific offerings vary, credit help companies will typically offer the same types of services, including free credit consultations, credit disputes, creditor intervention, and more. Here’s a list of the major services you may encounter when searching for the best credit repair companies:

Free Credit Report Evaluation

You’ll likely get a free consultation if you choose a credit clean up service from our list. With your permission, the credit help company will pull your credit report from one or more credit reporting agencies and provide a summary analysis to determine if credit repair suits your situation. A free consultation may include a credit score check, a credit report summary, and advice on strengthening your credit.

A reputable credit repair company can use this free consultation to help you decide on the right plan tier for your needs. For example, suppose the free evaluation finds dozens of problems with your credit report. In that case, the company may recommend a higher-priced plan than it would to a customer with two or three report errors.

Credit Disputes with Three Major Credit Bureaus

When a customer’s credit report includes inaccurate or unfair information that may negatively impact their score, they can dispute the negative item themselves or through a credit repair company. Either the customer or the company sends the credit bureau a credit dispute, also called a credit challenge, that explains the error and requests its removal from the report.

Managing credit disputes represents a major part of what reputable credit repair companies do. The customers who benefit most from these services don’t have the time or know-how to complete these disputes solo and prefer to have them sent by industry professionals.

Credit Score Monitoring

Some (but not all) of the best credit repair services include credit score monitoring services in their credit repair packages. Credit monitoring services allow customers to see regularly updated credit scores from one to three credit bureaus. By monitoring their credit score, customers can track repair progress, understand their borrowing power, identify financial fraud, and more.

You don’t need a credit repair service to monitor your credit score. Many credit monitoring companies offer reasonable pricing, and you can check your scores for free using services like Credit Karma or Credit Sesame.

Stopping Debt Collection Harassment

If you deal with harassment from debt collectors and creditors, a credit repair service may be able to help. These companies can look into your debt to determine its statute of limitations and advise you on how to move forward.

In some cases, credit repair companies send creditors cease and desist letters that formally tell them to stop communicating with you. These letters prove effective when the statute of limitations has passed but may result in a lawsuit against you if used unscrupulously.

Debt Validation Letters

A credit repair agency can also send debt collectors requests for debt validation if you receive a collection notice for a debt you don’t owe.

If you send a request for debt validation within 30 days, the debt collector must provide verification of the following:

• Their legal right to collect the debt
• The debt amount
• The name and address of the original creditor
• Copies of any judgments

Writing debt validation letters requires expertise to ensure that the debt collector is legally obligated to provide the requested information. Legitimate credit repair services often offer debt validation as a part of their services to simplify this process for consumers.

Goodwill Letters to Creditors

Unlike disputes with credit bureaus, goodwill letters don’t indicate an error in the customer’s credit history. A customer may send a creditor a goodwill letter to request the removal of a legitimate negative item, such as a late payment, from their history in an attempt to raise their credit score.

Goodwill letters work best for customers with at least six months of on-time payments following the late payment, which illustrates to the creditor that the late payment was an isolated event. While a goodwill letter doesn’t guarantee the removal of a negative item, many consumers get isolated examples removed successfully.

Identity Theft Protection

Some of the best credit repair companies include identity theft protection among their services to protect customers from fraudulent activity that can wreak havoc on their credit scores. The credit repair process often includes identifying fraudulent accounts and removing them from credit reports. Additional services like identity theft insurance and lost wallet protection help customers stay ahead of the misuse of their financial and personal information.

Things to Consider When Hiring a Good Credit Repair Company

If you need to repair your credit but don’t have the time to tackle it yourself, you must find a reputable credit repair service you can trust and afford. Here’s a list of essential considerations to help you find the best credit repair company.