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Best credit repair companies for September 2024
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Your credit history is affects your ability to qualify for loans and the interest rates lenders can offer you. Your credit record can even impact your housing options and employment opportunities.
However, according to the most recent Federal Trade Commission study, one out of every five Americans has an error on at least one of their credit reports. Most of those errors are simple things like an incorrect work address or an incorrect middle initial, but five percent of errors led to paying more. If a mistake on your credit report unfairly penalizes you, it's wise to correct it.
Although you can dispute errors on your own, some people prefer to have expert help. Credit repair companies help consumers improve their credit scores by correcting credit report errors.
Lexington Law
Why Lexington Law is the best for free resources:
While most credit repair companies publish articles periodically to help you understand how credit works, Lexington Law offers a well-organized library of articles to help you fix, improve and build your credit.
Credit Firm
Why Credit Firm is the best value for your dollar:
Credit Firm’s range of dispute services is extensive, particularly given the comparatively low price point.
CreditRepair.com
Why CreditRepair.com is the best for affordability:
CreditRepair.com is the most affordable option for those who want credit score updates included in the service.
Credit Saint
Why Credit Saint is the best for simple credit repair options:
Credit Saint offers straightforward packages, listed by level of aggressiveness to help customers easily choose the best credit repair solution for them.
Sky Blue Credit Repair
Why Sky Blue is the best for couples:
While some other credit repair companies offer a family discount off the first month for spouses, Sky Blue offers lower monthly package rates for couples going through credit repair together.
The Credit Pros
Why The Credit Pros are the best for variety of services:
The Credit Pros offers packages ranging from the affordable, no-frills Money Management plan to the robust Success Plus plan. Customers can choose which options best meet their needs.
Best credit repair companies
When choosing a credit repair company, pay close attention to the fee structure, services provided and the number of disputes included.
Disputes are individual interventions the company makes on your behalf. For example, if all three credit bureaus inaccurately report that you missed a payment, the credit repair company would file three disputes to correct the records. Companies that limit the number of disputes may take longer to complete your credit repair, requiring you to pay for more months than a company with unlimited disputes might.
Some credit repair companies also provide a lot of additional services that help, such as education materials, financial counseling, identity theft insurance and other features that help you improve your overall financial health.
With this in mind, here are our picks for the best credit repair companies in 2024.
| Company | Best for | Bankrate Score | Start-up/first-work fee | Monthly fee |
|---|---|---|---|---|
| Lexington Law | Free educational resources | 4.1 | None | $139.95 |
| Credit Firm | Best overall value | 4.1 | None | $49.99 |
| CreditRepair.com | Affordability | 3.6 | $69.95 - $119.95 | $69.95 - $119.95 |
| Credit Saint | Simple credit repair options | 4.2 | $99 - $195 | $79 - $129.99 |
| Sky Blue Credit Repair | Couples | 3.9 | None | $79 - $149 |
| The Credit People | Disputing many errors | 3.6 | $19 | $99 - $119 |
| The Credit Pros | Range of services | 4.0 | $119 - $149 | $69 - $149 |
Lexington Law
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Lexington Law offers a straightforward approach to credit repair. With just one comprehensive package of services, there’s no guesswork related to choosing a plan.
- Maximum number of disputes: Up to 6 per cycle, depending on the credit bureau
- Money-back guarantee: None
- Start-up fee: None
- Monthly fee: $139.95
Why Lexington Law is the best for free resources:While most credit repair companies offer a few articles to give you a basic education on how credit works, Lexington Law offers a well-organized library of articles to help you fix, improve and build your credit. -
Credit Firm
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Established in 1997, Credit Firm has served over 100,000 customers, 97% of whom reportedly recommend Credit Firm to their friends and family. While Credit Firm is missing some basic credit repair services like credit monitoring, it doubles down on dispute services, offering unlimited credit bureau challenges as well as procedural request verification, debt validation and personal information variance challenges.
- Maximum number of disputes: Unlimited
- Money-back guarantee: None
- Start-up fee: None
- Monthly fee: $49.99
Why Credit Firm is the best overall value:Credit Firm’s range of dispute services is extensive, particularly given the comparatively low price point. -
CreditRepair.com
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CreditRepair.com is a budget-friendly credit repair company with easily accessible Spanish-language assistance. It also has excellent online educational resources and offers multiple packages to help customers find the right mix of services.
- Maximum number of disputes: Limited (not disclosed)
- Money-back guarantee: None
- Start-up fee: $69.95, $99.95, $119.95
- Monthly fee: $69.95, $99.95, $119.95
Why CreditRepair.com is the best for affordability:With packages starting at just $69.95 per month and occasional discounts, CreditRepair.com is the most budget-friendly option of the best credit repair companies. -
Credit Saint
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Credit Saint has a reputation for excellent customer service and solid results. With many positive reviews from satisfied customers, a 90-day money-back guarantee and online chat until 7:00 p.m., Credit Saint is a strong contender as one of the best credit repair companies.
- Maximum number of disputes: Unlimited with the Clean Slate plan
- Money-back guarantee: 90 days
- Start-up fee: Credit Polish: $99, Credit Remodel: $99, Clean Slate: $195
- Monthly fee: Credit Polish: $79.99, Credit Remodel: $109.99, Clean Slate: $139.99
Why Credit Saint is the best for simple credit repair options:Credit Saint offers straightforward packages, listed by level of aggressiveness to help customers easily choose the best credit repair solution for them. -
Sky Blue Credit Repair
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Founded in 1989, Sky Blue is one of the most well-established credit repair companies. With so many services in the reasonably priced Full Service package, Sky Blue offers a good value, particularly for couples.
- Maximum number of disputes: Limited (not disclosed)
- Money-back guarantee: 90 days
- Start-up fee: None
- Monthly fee: Basic Service: $79 ($119 for couples), Full Service: $99 ($149 for couples)
Why Sky Blue is the best for couples:While some other credit repair companies offer a family discount off the first month for spouses, Sky Blue offers lower monthly package rates for couples going through credit repair together. -
The Credit People
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The Credit People keeps it simple, offering the key services in credit repair and skipping the bells and whistles. To ensure customers are happy with the service, The Credit People allows you to claim a refund for the prior month if you’re unsatisfied at any point in your membership.
- Maximum number of disputes: Unlimited
- Money-back guarantee: Refund of your prior month’s payment at any time
- Start-up fee: $19
- Monthly fee: Standard: $99, Premium: $119
Why The Credit People is the best for disputing many errors:The Credit People offers unlimited disputes with its lowest-priced plan. -
The Credit Pros
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The Credit Pros offers unique services, including dark web monitoring, letters of reference and even a $5,000 credit builder loan, depending on the package of services you choose.
- Maximum number of disputes: Unlimited with the Prosperity and Success Plus plans
- Money-back guarantee: 90 days
- Start-up fee: Money Management: $119, Prosperity: $129, Success Plus: $149
- Monthly fee: Money Management: $69, Prosperity: $129, Success Plus: $149
Why The Credit Pros is the best for a range of services:The Credit Pros offers packages ranging from the affordable, no-frills Money Management plan to the robust Success Plus plan. Customers can choose which options best meet their needs. -
Other credit repair options to consider
Some credit repair companies could not be fully rated with our Bankrate Score and methodology, but they may still be a good option for many looking for credit repair services.
Safeport Law
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Law degrees are generally not required for credit counselors, but Safeport Law has a team of dozens of attorneys to offer true legal representation to consumers in credit disputes. This elevated standard contributes to Safeport’s Better Business Bureau accreditation, which is a rare designation for credit repair companies.
- Maximum number of disputes: Unclear
- Money-back guarantee: 90 days
- Start-up fee: $129.00
- Monthly fee: $129.99
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Bolster
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Bolster is a free financial app designed to help users improve and maintain good credit. The app integrates with the TransUnion credit bureau so users can review their TransUnion credit report and dispute any errors. The app can also analyze credit reports and spending habits to provide personalized recommendations for financial improvements.
- Maximum number of disputes: Unlimited
- Money-back guarantee: Not applicable
- Start-up fee: $0
- Monthly fee: $0
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What is credit repair?
Credit repair is any process in which a consumer takes action to improve a low credit score.
However, "credit repair" is often used more specifically to describe a service intended to help consumers increase their credit scores by correcting inaccurate or misleading information on their credit reports.
Is it possible to do credit repair yourself?
If you have time to contact the credit bureaus and your creditors, you can repair your credit on your own.
This process includes contacting the credit bureaus directly to dispute inaccurate information. You can also contact your creditors or debt collectors to negotiate repayment plans, which may help protect or improve your credit score.
Some people prefer to use a credit repair company to leverage the expertise of the professionals who file credit disputes for a living and save time.
How can you avoid credit repair scams?
There are several factors to consider when comparing credit repair companies, including:
- Guarantees: Some credit repair companies offer a money-back guarantee. Pay close attention to the terms of any such guarantee so you know when you could be entitled to a refund and how to claim it.
- Price: In addition to a monthly fee, many credit repair companies charge a start-up fee or “first work fee” as compensation for the initial review of your credit report.
- Services: Services vary widely from one company to the next and even between packages offered by a single company. If you believe you have errors on your credit reports, choose a company that offers disputes or challenges to all three credit bureaus. Look for premium services like credit monitoring, ID theft protection and personalized credit improvement plans to help you strengthen your credit over time.
Frequently asked questions
Methodology
To evaluate the best credit repair companies, the Bankrate team evaluated: