10 Best Credit Repair Companies: Top Credit Fix Services (2022)

Bad credit creates a negative impact on your credit report. Negative items in your credit reports create difficulty when buying a home, car, or getting any loan. A low credit score may result in denial of your loan application or make you pay a higher interest rate compared to a normal interest rate.

Fixing such a problem individually is very difficult. Therefore, you can avail services of a professional debt collector from a company that can repair your credit in less time. These organizations work on your behalf to remove negative items like liens, debt collections, bankruptcy charge-offs, and more.

Following is a handpicked list of Top Credit Repair Companies:

Best Credit Repair Companies: Top Services

Company Name Starting Fee Fee Schedule Max Repaired Issues Money-Back Guarantee Link
Credit Saint $99-195 Initial work fee then monthly Varies Yes Learn More
The Credit People $79 $19 Set up fee then monthly Unlimited Yes Learn More
Tradeline Supply Company No setup fees One time n/a Yes Learn More
Sky Blue Credit $79 Setup fee then monthly 15 items in 35 days Yes Learn More
Creditrepair $69.95 Set up fee then monthly Varies No Learn More

1) Credit Saint

Credit Saint is a New Jersey-based company that enables you to repair your credit with a full analysis and progress report. It is one of the best organizations in the credit repair industries that includes plans which suit your needs and budget.

This organization offers users a personal advisory team to track and work on their credit repair. The staff of this company also call you on a regular basis to keep you in the loop and on track for success. Credit Saint offers you a free consultation to assess your credit scores.


Pros Cons
Provides packages for every budget. Not available in all states.
Easy Sign-Up process.
This credit repair agency provides a money-back guarantee.
It is one of the best credit repair companies that offer easy-to-use private monitors to track your progress.
It has good BBB (Better Business Bureau) ratings.
Provides Experian Monitoring.

Best For: Overall credit repair results.

In Business Since: 2007

Cost: $79.99 per month with $99 initial work fee.

2) The Credit People

The Credit People is a company that enables you to repair your credit quickly. This organization offers services to clients in more than 50 states, including Washington DC.

It efficiently works to reduce unfair and bad credit with reporting agencies. The online portal of this firm enables you to access your credit report with ease.


Pros Cons
It enables you to access your account 24/7. Does not include any tools to manage your finance.
Offers toll-free numbers for customer support.
Enables you to apply for unlimited disputes.
You can monitor your progress with easy to use dashboard.
This credit repair agency provides real time credit updates.

Best For: Low-cost Credit Repair.

In Business Since: 2001

Cost: $19 per month.

3) Tradeline Supply Company, LLC

Tradeline Supply Company, LLC is the leading tradeline platform that pioneered making buying and selling of seasoned tradelines easy. As a leader in the equal credit movement, the company provides universal access to authorized user tradelines, which has been an established credit strategy that has primarily benefited the rich for over 40 years.

Pros Cons
Easy Access to seasoned tradelines Does not remove or dispute derogatory credit information
Volume discounts Does not provide credit consulting services
Positive Google Reviews Does not claim to provide specific credit score results
Guaranteed postings Does not send goodwill letters to creditors
Free credit information

Best For: Building or re-establishing credit

In Business Since: 2017

Cost: Varies per tradeline

4) Sky Blue Credit

Sky Blue Credit is a reputed company that will coach you to keep your credit score in better shape. It offers an initial analysis of disputable items. The team of this organization identifies and reviews potential errors in your credit report.

Sky Blue Credit can be hired for debt negotiation. It offers various services like credit bureau and package disputes, credit rebuilding, and more.


Pros Cons
This credit repair agency provides faster disputes. Does not provide a monthly credit monitoring facility.
It is one of the best credit repair companies that enables you to repair your credit 15 times every 35 days.
You can Sign Up for this service online without any hassle.

Best For: Customer Service.

In Business Since: 1989

Cost: $79 per month.

Link: https://skybluecredit.com/

5) CreditRepair

CreditRepair is a reputed company that helps you to manage and improve your credit score with ease. It provides a detailed report about your credit to find items that may be inaccurate, misleading, or invalid. This organization develops personalized strategies to reestablish your positive credit.

It uses various methods to repair your credit, including goodwill and debt validation letters. CreditRepair offers three different packages that can be easily chosen depending on your need. It offers one of the best credit repair applications that can be used for both iPhones and Android.


Pros Cons
Free credit score and analysis. It has a lack of official accreditation.
Provides different plans to improve your credit. Your report information of the credit bureau must be accurate.
It has a simple credit repair process.
Offers online tools to track your result.
It has a good BBB ratings.
The credit insurance of this company covers loan due and missed payment.

Best For: Simplicity.

In Business Since: 1997

Cost: $99.95 per month.

Link: https://www.creditrepair.com/

6) The Credit Pros

The Credit Pros is one of the best companies for repairing your credit without any hassle. It offers different plans that can be chosen according to your needs. This firm also offers software that enables you to monitor your budget with ease.

The Credit Pros enables you to securely track inaccurate personal finance information. It provides free credit consultation in English or Spanish language. This company has experienced staff to remove negative and inaccurate items on credit scores.


Pros Cons
Free consultation. Website is difficult to navigate.
Offers a mobile app. Does not provide 24/7 hour customer support.
You can apply for unlimited disputes.
It has clear and detailed payment options.

Best For: Faster credit repair.

In Business Since: 2009

Cost: $19 per month.

Link: https://thecreditpros.com/

7) CreditFirm

CreditFirm is a company that helps you to repair your bad credit. You can hire the service of this organization for free online consultation. This firm provides you debt validation services.

It gives you a simple solution to improve your credit score. This firm has a program that includes in-depth credit audits and unlimited procedural request verification. CreditFirm helps you to remove multiple addresses, names, and personal information variances that are incorrect.


Pros Cons
The debt collectors of this organization briefly audit your credit report. It does not offer any financial credit tool.
Provides 24/7 customer support.
The experienced team can review credit reports in few days.
This company covers disputes of a credit bureau.
Credit repair process is developed by experienced lawyers.
It has a good BBB ratings.

Best For: Credit repair at a lower price.

In Business Since: 1997

Cost: $49.99 per month.

Link: https://www.creditfirm.net/

8) Credit Glory

Credit Glory is a company that provides you credit repair services. It provides you a free consultation before you Sign Up. This credit repair firm has good customer reviews from Facebook, Google, Yelp, and more.

It offers a hassle-free way to dispute for all your incorrect items. This firm also fixes inaccurate details like name, charge off, address, balance, inquiry, late payment, and more.


Pros Cons
Excellent Customer Support. It only helps you to remove negative items.
Straightforward pricing structure.
You can hire a credit repair service without any hassle.
This credit repair service provider does not take any consultation fees.
Helps you to raise your FICO score.

Best For: Victims of identity theft.

In Business Since: 2016

Cost: $99 per month.

Link: https://www.creditglory.com/

9) Credit Versio

Credit Versio is an organization that helps you to solve credit-related issues like late payments, collections, bankruptcy, and more. It enables you to dispute any account on 3 credit bureaus like Equifax, Experian, and TransUnion.

This credit repair firm uses an AI-powered application to scan and convert your credit reports into a form that you can easily send to creditors. It is one of the best organizations in the credit repair industry that helps you to generate dispute letters to remove items that can create a problem.


Pros Cons
Covers identity theft insurance. It does not offer expert guiding.
Offers credit monitoring alerts.
Provides video lessons.
It has an easy Sign-Up process.
This company offers a free trial.
It helps you to fix your credit score easily.

Best For: Repairing your credit with Artificial Intelligence.

In Business Since: 2020

Cost: $19.95 per month.

Link: https://www.creditversio.com/

10) Ovation Credit

Ovation Credit is a credit repair company that provides free consultation during the initial appointment. It offers three packages that you can choose according to your needs. The services of this company include a complimentary review of financial background, personal care advisor, dispute of inaccurate credit report items, and a tool that helps you manage your finance with ease.


Pros Cons
Offers good customer support. High monthly fees.
You can cancel your monthly membership without any advance notice. It does not provide a money-back guarantee.
Offers dedicated case advisor.
It has a good BBB ratings.
Helps you to raise your FICO score.

Best For: Affordable credit repair package.

In Business Since: 2004

Cost: $79.00 per month.

Link: https://ovationcredit.com/credit-repair/

11) Trinity Credit

Trinity Credit is a company that can be hired to solve the issue of late payments, charge-offs, inquiries, and more. It helps you to remove inaccurate items from your credit report. It offers a customized credit repair plan that can be easily chosen according to your needs. This organization enables you to monitor your progress from their website without any hassle.


Pros Cons
Provides a free credit consultation. You cannot know the details about the process of credit repair from their website.
You will get a credit survival guide.
It is one of the best organizations in the credit repair industry that offers good services to match your financial goals.
Helps you to raise your FICO score.
The credit consultant will look at Experian, TransUnion, and Equifax line by line.

Best For: Customer service and support.

In Business Since: 1996

Cost: $79 per month.

Link: https://www.trinitycreditservices.com/

12) Lexington Law

Lexington Law is a company that helps to repair your credit score affected by identity theft, student debt, medical bills, etc. The team of this firm obtain a copy of your credit reports and then analyzes for negative items which are harming your credit score.

It offers three credit repair packages that can be easily chosen according to your needs. Their website contains a user-friendly dashboard to view your progress. This organization provides solutions to repair your credit faster in less time.


Pros Cons
It is one of the best credit repair companies that have straightforward service plans. It has a high service cost.
Free credit report consultation.
This legitimate credit repair company provides easy customer support in chat.
It has a good BBB rating.

Best For: Improving your credit score.

In Business Since: 1991

Cost: $89.85 per month.

Link: https://www.lexingtonlaw.com/l/credit-repair-online

How to repair your Credit Score

Here is the simple process that you can follow to repair your credit:

Step 1) Review credit report

Get a free copy of your credit report from any credit repair companies listed above

Step 2) Dispute negative marks

Discuss and eliminate most of the negative marks suggested by the credit repair firm

Step 3) Dispute wrong late-payment entries

Dispute and clean up incorrect late-payment entries if any

Step 4) Try to remove accurate entries also

You can also choose to dispute accurate information like the collection you haven’t paid for from a small collection agency. When credit bureau asks such agencies about it, they are likely not to respond, and the credit agency will have to remove that entry from your credit report

Step 5) Ask nicely to your credit card company to remove an entry

You can ask your credit card company nicely to remove a late payment entry. If they agree, you will be able to remove a negative entry from your credit report

Step 6) Increase credit limits

If you carry balance of more than 50% of your available credit, then this may negatively impact on your credit score. Therefore, a feasible solution is to increase your credit limit.

Step 7) Open one more credit card account

Try to get a new credit card with no annual fee from a bank where you already have an account opened.

Step 8) Pay your outstanding balances

Decreasing your percentage of available credit scores can have a significant impact on your credit score. So, you should pay down your outstanding balances as much as possible.

Step 9) Pay off high interest first

You should pay off the high-interest account and newest interest first to increase the average length of credit.

Step 10) Add authorized users with good credit

If someone has credit card with no balance or good payment history and agrees to add you as an authorized user, it will benefit you from their card’s available credits

Step 11) Keep old credit cards

Closing your credit card account can decrease your average credit history. Therefore, it is preferable that you keep your old credit cards.

Step 12) Pay bills on time

Late payments can decrease your credit score, so you must pay your every bill on time.


❓ What is a Credit Repair Company?

A Credit Repair Company is a firm that helps you to understand and repair your bad credit by analyzing your credit report and disputing it with creditors.

⚡ Which are the Best Credit Repair Companies?

Following are some of the best credit repair companies:

  • Credit Saint
  • The Credit People
  • Tradeline Supply Company
  • Sky Blue Credit
  • CreditRepair
  • The Credit Pros

🏅 How do Credit Repair Companies work?

Credit repair company requests a copy of the credit report from the consumer. Then they review charge-offs, tax negative marks like tax liens, bankruptcies, charge-offs, etc. After this, it will set a strategy for disputing errors and negotiating with creditors to eliminate those negative items that can harm the credit score.

🚀 What Do Credit Repair Companies Do?

Credit repair companies identify issues that cause the most damage to your credit score. It helps you tackle the typical problems that arise from bankruptcies, charge-offs, and tax liens.

👉 What are the factors to consider before choosing a Credit Repair Company?

Here are the important factors to consider before choosing a credit repair company:

  • Past reviews: You need to check reviews of customers. If you find more positive comments, then it is good to go with your chosen company. Credit repair companies with negative reviews are not worth considering.
  • A well-written contract: It is good to establish a well-written contract with the organization. This will outline your costs, expected results, and the method that the company will use.
  • Overall Experience: Credit repair is a complicated process. Your chosen firm must be experienced enough to deal with future contingencies that may arise. Therefore, it is essential to research for a professional organization that can closely understand your needs.
  • Appropriate Costs: Compare the services and cost of different companies so that you can avoid unreasonable price.

💥 What methods do credit repair firms utilize to get items erased?

Here are the methods that credit repair companies utilize to get items erased:

  • Credit Report disputes
  • Pay for delete
  • Goodwill letters
  • Debt validation

❗ What is a credit score, and what are the credit score ranges?

A credit score is a three-digit number to estimate the likelihood of repaying your new debt. The credit score ranges 300-629 Bad, 630-689 Fair, 690-719 Good, 720-850 Excellent.

⚡ Is it worth paying someone to fix your credit?

Yes, it is worth paying someone to fix your credit because you can only submit disputes via mail, which takes lots of time and effort to dispute the negative items. Taking the help of a credit repair company will help you save a lot of time and effort.

🏅 What type of negative items can credit repair agencies remove from your credit report?

Credit repair agencies remove negative items like collections, late payments, hard inquiries, charge-offs, responses, bankruptcy, and more.

🚀 What is the primary difference between credit repair and credit counseling?

Credit repair helps you improve your credit score by removing negative information from your credit report, While credit counseling is financial advice that can be personalized according to situation.

❓ What can credit repair companies not do?

Here are the few things that credit repair companies cannot do:

  • Guarantee to increase credit score by a certain amount.
  • Fail to reveal your legal rights.
  • Charge a fee if you cancel service.
  • Promise to deliver a specific result in desired time.

🌟 Is repairing your credit legal?

Yes. Repairing your credit is legal according to FCRA (The Fair Credit Reporting Act). This law gives you the right to dispute negative items in your credit report.

❗ Can you remove hard inquiries?

Disputing hard inquiries on a credit report involves working with creditors and agencies that inquired. However, disputing hard inquires will not make a bigger change to your credit score. You can dispute hard queries that are the results of fraud.