How long does credit repair take?

At a minimum, the credit repair process takes a few months, but results can take longer. It depends on the amount of inaccurate information on your credit report and how quickly the credit bureaus are able to remove that information.

Do you need a credit repair company to fix your credit?

It is possible to fix your credit without hiring a credit repair company. You can get free copies of your credit report via AnnualCreditReport.com and dispute errors on your own. A credit repair company may be a good choice if you have multiple errors or negative marks on your credit, but it isn’t necessary if you want to pursue credit repair on your own.

LegalHarbor Credit Repair Review

Best for: Simple credit repair options

LegalHarbor

3.7

- Startup fee: $30
- Monthly fee: Starting at $79
- Money-back guarantee: Yes
- Maximum number of disputes: Unlimited
- Types of letters to creditors/bureaus: Support and dispute
Pros

Money-back guarantee: There is a 90-day money-back guarantee based on LegalHarbor’s performance, but the company doesn’t provide any information about the terms of this guarantee online.

Files disputes with all three credit bureaus: LegalHarbor files disputes with TransUnion, Equifax and Experian — though the number of disputes is based on your package.

Additional services: Credit monitoring and identity theft protection are included with every package at no extra cost.

Cons

No online reviews: While not uncommon, there are no third-party reviews of LegalHarbor’s services available online.

Minimal information: LegalHarbor doesn’t provide much information about its services online. You will need to contact LegalHarbor to learn more about your options.

LegalHarbor is a credit repair company based in Delaware. It primarily focuses on filing disputes for any inaccurate information on your credit report, though the number of disputes it will file depends on the package you sign up for.

In addition, LegalHarbor offers credit monitoring and identity theft protection. There is a 90-day money-back guarantee as well, but you will need to contact LegalHarbor for specifics on its services and credit repair packages.

LegalHarbor services

There isn’t much information about LegalHarbor’s services available online, but you will have access to these when you sign up:

Credit repair
Credit building
Credit monitoring
Identity theft protection
Debt settlement

What LegalHarbor does not cover

Like other reputable credit repair companies, Legal Harbor will only dispute inaccurate information on your credit report. Any accurate, but negative, marks on your credit report won't be changed.

Credit repair packages

LegalHarbor offers three credit repair packages, and the basic option is one of the least expensive across multiple credit repair companies. There are no significant differences between LegalHarbor’s packages, so your choice will depend on the number of disputes you want access to and how much you want to spend.

Essential credit clean up: The basic package is recommended if you have 15 or fewer negative items on your credit report — it will file up to 60 disputes on your behalf (4 rounds, 15 disputes per cycle). It covers up to 10 hard inquiry disputes, and the package starts at $79 per month.
Intense credit clean up: The mid-tier package is best if you have 16 to 30 negative items on your credit report, and the cost starts at $94 per month. This package includes up to 120 disputes, plus 15 hard inquiry disputes.
Premier credit enhancement: LegalHarbor’s most expensive package offers an unlimited number of disputes (including unlimited hard inquiry disputes) and is available for as low as $119 per month.

Additional features

Online portal

Regardless of the package you choose, you can access an online portal to check your credit score and report at any time. This is not something other credit repair services usually offer, and those that do limit it to higher tiers.

Support letters

LegalHarbor provides its clients with a support letter to show to landlords or creditors. This document shows that you are actively working to resolve errors on your credit report.

Debt settlement

LegalHarbor will work with your creditors to negotiate your debt balance, but it doesn’t have much information about its debt settlement service online.

LegalHarbor’s accessibility and availability

Availability

LegalHarbor is available in every state except Oregon. Customers can access their account online, and you can check for updates whenever they are available.

Contact information

You can contact LegalHarbor by phone, email or through its online form. Its customer service hours aren’t listed online, and confusingly, multiple customer support phone numbers are listed across the site.

You can also use info@legalharbor.com to email LegalHarbor with any questions or concerns. It doesn't specify how quickly its customer service team will return your correspondence.

LegalHarbor customer experience

There isn’t much to say about LegalHarbor’s customer experience. Very limited information is available online, and it doesn’t have a profile on any of Bankrate’s trusted third-party review websites like Trustpilot or the Better Business Bureau (BBB).

Contract duration

When you sign up, you will be prompted to choose between a 6-month, 9-month or 12-month repayment plan. LegalHarbor doesn’t provide any information about its contract duration — or your ability to cancel — online.

Customer and third-party reviews

BBB rating: Not listed
Consumer Affairs average rating: Not listed
Google Reviews average rating: Not listed
Trustpilot average rating: Not listed

Review information accurate as of June 6, 2025.

Unlike its competitors, LegalHarbor doesn’t have a profile on trusted third-party review sites. This is neutral — many businesses lack reviews — but it does mean you’re in the dark when it comes to how others fared while working with LegalHarbor.

Regulatory and legal

LegalHarbor doesn’t appear to have any pending legal issues as of June 2025.

LegalHarbor vs. competitors

LegalHarbor vs. Credit Saint

Both LegalHarbor and Credit Saint have three credit repair packages, but LegalHarbor has better benefits with its lower-priced packages. You will need to sign up for Credit Saint’s most expensive package (starting at $79.99 per month) for access to credit reports from all three bureaus — something LegalHarbor includes with its basic package.

With that in mind, Credit Saint may still be a good option if you want a credit repair company with a known track record. Unlike LegalHarbor, Credit Harbor has positive ratings on its BBB page and with Consumer Affairs, Google and Trustpilot. This is a big benefit if you want to know how other people fared while working with a credit repair company.

LegalHarbor vs. Lexington Law

Lexington Law is a well-regarded credit repair service, with positive customer reviews on both Google and Consumer Affairs. It only offers one package ($139.95 per month), compared to LegalHarbor’s three, but has more additional services.

LegalHarbor may be a better choice than Lexington Law if you have a lot of errors to dispute on your credit report. Lexington Law only offers eight challenges for TransUnion and Equifax, and just three challenges for Experian. With its basic package, LegalHarbor files up to 10 disputes to all three credit bureaus.

Frequently asked questions

At a minimum, the credit repair process takes a few months, but results can take longer. It depends on the amount of inaccurate information on your credit report and how quickly the credit bureaus are able to remove that information.
It is possible to fix your credit without hiring a credit repair company. You can get free copies of your credit report via AnnualCreditReport.com and dispute errors on your own. A credit repair company may be a good choice if you have multiple errors or negative marks on your credit, but it isn’t necessary if you want to pursue credit repair on your own.

Methodology

Overall score	3.7
Services offered	4.7	LegalHarbor offers unlimited credit disputes and easy access to your credit reports.
Affordability	3.0	Its basic package is not the most expensive, but LegalHarbor’s highest fee knocks its score down.
Customer service	3.7	LegalHarbor earns a midrange score for customer service because it doesn't list its customer service hours or offer a mobile app.
Expertise/Effectiveness	3.6	Because LegalHarbor doesn’t have third-party ratings online, it earns a midrange score in this category.

To evaluate the best credit repair companies, the Bankrate team looked at the following factors:

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.

LegalHarbor credit repair review