How long does credit repair take?

Some consumers may see an improvement in as little as 60 days, but in many cases, credit repair can take six months to one year (or potentially longer).

How much can credit repair improve my score?

The number of errors on your credit report — and the severity of the claims — determines how much your score may improve through credit repair. Some credit repair companies claim to potentially increase scores by 40–100 points over time.

What is a first work fee?

A first work fee is similar to a setup fee. It covers the onboarding process for the company to review your current credit history and create a plan to improve your credit score.

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Best credit repair companies for April 2024

Written by

Michelle Clardie

Edited by

Luke Daugherty

Edited by

Luke Daugherty

Updated April 30, 2024

On This Page

Your credit history can affect your employment opportunities, housing options and ability to qualify for loans. However, according to a Federal Trade Commission study, one out of every five Americans has an error on at least one of their credit reports.

Credit repair companies help consumers correct these credit report errors and improve their credit scores over time. This guide to the best credit repair companies in 2024 will help you choose the right fit.

Best credit repair companies

When choosing a credit repair company, pay close attention to the fee structure and the number of disputes included in the service. 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 record across the board.

With this in mind, here are our picks for the best credit repair companies in 2024.

Company	Best for	Bankrate Score	Start-up fee	Monthly fee
Lexington Law	Free resources	4.1	None	$99.95
CreditRepair.com	Affordability	3.6	Direct: $69.95 Standard: $69.95 Advanced: $119.95	Direct: $69.95 Standard: $69.95 Advanced: $119.95
Credit Saint	Simple credit repair options	4.2	$99–$195	$79.99–$129.99
Sky Blue Credit Repair	Couples	3.9	None	$79–$99
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: Best for free resources

4.1

Bankrate Score

Overview

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.

Affordability: 4.4
Customer service: 4.3
Expertise and effectiveness: 4.3
Services: 3.6
Maximum number of disputes: Up to 6 per cycle depending on Credit Bureau
Money-back guarantee: None

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.
Pros

Impressive library of free resources

Identity theft insurance and mobile app access included

Family and military discounts
Cons

No money-back guarantee

Limited disputes
- Lexington Law currently offers one simple package. For $99.95 per month, you get access to lawyers and paralegals, personalized strategies for improving your credit score, challenges to all three credit bureaus, creditor intervention letters and $25,000 coverage in identity theft insurance.
A 50% discount on the first month is available to military service members and veterans. Lexington Law also offers a family discount — spouses of active customers can get a 50% discount on their first month.

Creditrepair.com: Best for affordability

3.6

Bankrate Score

Overview

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.

Affordability: 4.3
Customer service: 3.5
Expertise and effectiveness: 4.1
Services: 2.6
Maximum number of disputes: Limited
Money-back guarantee: Not offered

With packages starting at just $49.99 per month, creditrepair.com is the most budget-friendly option of the best credit repair companies.
Pros

Affordable packages

Spanish language accessibility

ID theft insurance included
Cons

No money-back guarantee

Not available in all states

Limited service hours
- Direct package: This package includes bureau challenges, creditor interventions, ID theft insurance and quarterly FICO score updates. This package is priced at $69.95 per month.
- Standard package: For $99.95 per month, you can upgrade to the Standard plan. The upgrade includes a FICO® Score Inquiry Assist service that allows you to dispute inaccurate or unfair inquiries on your account.
- Advanced package: This plan includes monthly credit score updates, more bureau challenges, more creditor interventions and cease-and-desist interventions for $119.95 per month.
Active service members and veterans can take 50% off the first payment.

Credit Saint: Best for simple credit repair options

4.2

Bankrate Score

Overview

Credit Saint has a reputation for excellent customer service and solid results. With many positive reviews from satisfied customers, online chat until 7:00 p.m. and a 90-day money-back guarantee, Credit Saint is a strong contender as one of the best credit repair companies.

Affordability: 4.3
Customer service: 3.5
Expertise and effectiveness: 4.1
Services: 2.6
Maximum number of disputes: Unlimited with the Clean Slate plan
Money-back guarantee: 90 days

Credit Saint offers straightforward packages that let customers easily find the best credit repair solution. The plans are listed by level of aggressiveness to help customers identify which approach they think is best.
Pros

Transparent pricing for comprehensive packages

90-day money-back guarantee

Accredited by the BBB since 2007
Cons

Higher first work fees than competitors

Limited availability across the U.S.
- Credit Polish: Credit Saint rates this plan as "medium aggressiveness. It includes the basics, including an analysis of your credit score, challenges to all three credit bureaus and a credit score tracker for $79.99 per month with a $99 first work fee.
- Credit Remodel: This plan adds inquiry targeting and a personalized guide to building your credit for $99.99 per month with a $99 first work fee.
- Clean Slate: This plan offers unlimited challenges plus creditor interventions for $129.99 per month with a $195 first work fee.
No discounts are currently available.

Sky Blue Credit Repair: Best for couples

3.9

Bankrate Score

Overview

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 for consumers.

Affordability: 4.2
Customer service: 4.1
Expertise and effectiveness: 3.9
Services: 3.5
Maximum number of disputes: Limited
Money-back guarantee: 90 days

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.
Pros

Couples pricing option to help households save money

No first work fee

90-day money-back guarantee
Cons

Limited number of disputes

No live chat option or mobile app
- Basic Service: This package covers standard services like credit bureau disputes and score tracking for $79 per month (or $119 per month for couples).
- Full Service: This plan adds creditor interventions, debt validation letters and cease-and-desist letters to debt collectors for $99 per month ($149 per month for couples).
No discounts currently available.

The Credit People: Best for disputing many errors

3.6

Bankrate Score

Overview

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.

Affordability: 3.5
Customer service: 3.6
Expertise and effectiveness: 3.9
Services: 3.3
Maximum number of disputes: Unlimited with the Prosperity and Success Plus plans
Money-back Guarantee: Refund of your prior month’s payment at any time

The Credit People is the only company on this list to offer unlimited disputes with its lowest-priced plan.
Pros

Unlimited challenges

Low first work fee

Satisfaction guarantee
Cons

No debt management program available

No identity theft insurance
- Standard: This package offers unlimited challenges to all three credit bureaus and a before-and-after comparison of your credit scores for $99 per month.
- Premium: This package adds creditor interventions, escalated disputes and monthly credit score updates for $119 per month. You also have the option of paying a flat rate of $599 for six months of Premium service.
No discounts currently available.

The Credit Pros: Best for range of services

Bankrate Score

Overview

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.

Affordability: 3.3
Customer service: 4.4
Expertise and effectiveness: 3.8
Services: 4.5
Maximum number of disputes: Unlimited with the Clean Slate plan
Money-back guarantee: 90 days

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.
Pros

Wide range of service offerings

Spanish-language assistance

90-day money-back guarantee
Cons

Common credit repair services like creditor interventions are missing from the cheapest plan

Only the Success Plus package offers access to all three credit bureau reports
- Money Management: This plan offers services like bill reminders, debt payoff plans, darkweb monitoring and TransUnion fraud alerts for $69 per month.
- Prosperity: If you want to dispute items on your credit report, get letters of reference to credit cards, access all three credit bureau reports and scores, and send cease and desist letters to creditors, you’ll need to upgrade to the Prosperity plan. This plan includes everything in the money management plan.
- Success Plus: In addition to everything in the lower-tier plans, this plan lets you access a $5,000 credit repair loan.
None available.

Methodology

To evaluate the best credit repair companies, the Bankrate team evaluated

Affordability: We looked at the overall affordability of the company, including start-up fees, late fees and monthly fees.
Customer service: To evaluate customer service, we considered factors such as customer service hours, the number of support channels, the prevalence of disclaimers and the number of states available.
Expertise and effectiveness: Companies were scored based on factors including number of years in the business, customer ratings, the average score improvement and if the company has experienced legal issues in the past.
Services: Credit repair companies were evaluated based on the number and types of services offered. We look at whether companies offer services such as identity theft monitoring, the number of disputes per month, credit score monitoring, education and debt trackers to evaluate how each company's services compare.

What is credit repair?

Credit repair is a service intended to help consumers correct inaccurate or misleading information on their credit reports. Removing inaccurate information may increase your credit score.

How can you avoid credit repair scams?

While credit repair is a legitimate service, some scammers try to take advantage of those in need of credit repair. To protect yourself from credit repair scams:

Don’t respond to unsolicited offers.
Read reviews from real customers.
Don’t work with anyone who recommends disputing accurate information.

Is it possible to do credit repair yourself?

If you have time to contact the credit bureaus and your creditors, you might choose to repair your credit on your own. You can contact the credit bureaus yourself to dispute inaccurate information. It's also a good idea to contact your creditors/debt collectors to negotiate repayment plans that may help protect or improve your credit.

Frequently asked questions

Some consumers may see an improvement in as little as 60 days, but in many cases, credit repair can take six months to one year (or potentially longer).
The number of errors on your credit report — and the severity of the claims — determines how much your score may improve through credit repair. Some credit repair companies claim to potentially increase scores by 40–100 points over time.
A first work fee is similar to a setup fee. It covers the onboarding process for the company to review your current credit history and create a plan to improve your credit score.

Best credit repair companies for April 2024

Best credit repair companies

Lexington Law: Best for free resources

Overview

Why Lexington Law is the best for free resources

Pros and cons

Pros

Cons

Package options

Discounts

Creditrepair.com: Best for affordability

Overview

Why Creditrepair.com is the best for affordability

Pros and cons

Pros

Cons

Package options

Discounts

Credit Saint: Best for simple credit repair options

Overview

Why Credit Saint is the best for simple credit repair options

Pros and cons

Pros

Cons

Package options

Discounts

Sky Blue Credit Repair: Best for couples

Overview

Why Sky Blue is the best for couples

Pros and cons

Pros

Cons

Package options

Discounts

The Credit People: Best for disputing many errors

Overview

Why The Credit People is the best for disputing many errors

Pros and cons

Pros

Cons

Package options

Discounts

The Credit Pros: Best for range of services

Overview

Why The Credit Pros is the best for a range of services

Pros and cons

Pros

Cons

Package options

Discounts

Methodology

What is credit repair?

How can you avoid credit repair scams?

Is it possible to do credit repair yourself?

Frequently asked questions

How long does credit repair take?

How much can credit repair improve my score?

What is a first work fee?