Top 14 Best Credit Repair Companies to Fix Your Credit Scores

People with low credit scores find themselves in tough spots in their day-to-day life. Bad scores can even prevent one from getting a job, buying a house, or a car.

That is why credit reports should be taken seriously, which, unfortunately, many don’t!

But the good news is that there are credit repair agencies that can fix this problem. However, the number of best credit repair companies is not that many.

And without relying on legitimate credit repair services, your credit score might drop even further.

We have spent countless hours researching and trying out the best credit repair companies to make things easier for you.

And we will share all the info we gathered in this article. So, read till the very end to know all about the legitimate credit repair companies in the credit repair industry.

14 Best Credit Repair Companies

We analyzed all of the credit repair companies that had an excellent overall reputation. Well, even though most were capable of meeting the standards of the credit repair industry, their services were nothing too special.

So, instead of talking about them, we will focus on the credit repair companies that do offer the best credit repair services. Let us get started!

Sky Blue Credit The services for the first 6 days are completely free with the company.
Credit Saint One of the most reliable credit repair companies with an A+ rating from the BBB.
Lexington Law Three professional credit improvement packages are catered to the users to choose from.
Credit Repair The experience and expertise of this company are unmatchable.
TransUnion You get a wholesome and unbelievable Identity Theft Insurance policy with this company.
Credit Sesame Users are facilitated with bank-level analytics so that they get to know their credit histories in detail.
Credit Karma Extremely popular among users who want to check their credit scores accurately for free.
The Credit Watcher It is famous for offering industry-leading debt clearance solutions to all types of users.
Credit Monkey The most effective company to fix faulty credit reports and scores.
MyFico You can track your FICO score accurately with this world-class company.
CuraDebt Endorsed by the American Fair Credit Council and that’s the USP of this company.
FreeScore360 This company also offers an outstanding Identity Theft Insurance policy that can help you in times of crisis.
The Credit People Investigates the flaws found in your credit reports in collaboration with three major credit bureaus.
Leap Credit The platform makes loans applications easier for users and users get their applications sanctioned seamlessly with this company.

Sky Blue Credit


So, what makes a credit-monitoring company achieve the best credit repair company status? Well, if you asked us, our first answer would include commitment and a trial period. And Sky Blue Credit meets both factors.

Unlike most credit repair companies, Sky Blue Credit offers a credit repair service plan that is well under the affordable range.

And the best part is that you do not have to pay a penny without being sure about their credit repair service. Sky Blue Credit offers a six-day trial period through which you can try out their ovation credit services.

That is not all; they are committed in terms of offering a 90-day money-back guarantee. That means if something does not happen according to your plan, you can get a refund without any questions asked.

This guarantee is one of the reasons that makes Sky Blue Credit reside among reputable credit repair companies.

Apart from that, Sky Blue Credit has been offering credit monitoring packages since 1989. So, they have been in this credit repair process for a long time, and they certainly know what they are doing—wondering what made us make such a bold statement?

Well, Sky Blue Credit addresses the issues that most credit repair companies ignore. They work on those issues and offer a stellar credit score in the end. Sky Blue Credit also offers other perks, including professional analysis.

This credit repair company also offers faster dispute resolution services than other legitimate credit repair companies. They offer 15 items every 35 days, and you can open custom disputes tailored to your credit history. This service is something the other credit repair companies in the credit repair industry do not focus on that much.

Experience 32 years
Key highlights
  • The credit repair packages are relatively affordable
  • Offers a free six-day trial
  • Provides a 90-day money-back guarantee
  • Capable of providing faster dispute resolution
  • Can effectively improve credit report
  • Better Business Bureau rating A+
    Monthly fee $79
    Money-back guarantee 90-day money-back guarantee
    Setup fee N/A

    Credit Saint


    Another credit repair company that sticks true to its promise is the Credit Saint. Credit Saint is so good as a credit restoration company that they claim to be number 1 in challenging any inaccurate credit report.

    Now, you might be wondering if their claim is valid or not. Firstly, Credit Saint offers a free credit consultation upfront, which is pretty uncommon in the credit repair industry.

    And due to their free credit consultation, it will be easier for you to know how Credit Saint works before opting for their credit repair services.

    But does this free credit consultation make Credit Saint the best credit repair company? Not really; Credit Saint offers a 90-day money-back guarantee too.

    That means if you want a refund regarding the ovation credit services, you will get it without any issues at all.

    However, we believe that asking for a refund will not be necessary because the credit repair agency is pretty good at raising the score.

    Credit Saint even provides a private dashboard, which will make credit monitoring easier. It also has educational materials that will teach you to get a better score with minimal effort with adherence to the Fair Credit Reporting Act.

    Additionally, the reputable credit repair service also offers some free services apart from their paid ovation credit services offers. They will evaluate and analyze scores for the customers for free.

    If you are knowledgeable about credit repair, you can repair credit with those personal finance tools.

    Overall, due to the ovation credit services that Credit Saint is offering, the credit repair agency is a great pick as the best credit repair company.

    Experience 15+ years
    Key highlights
  • Offers free consultation
  • Utilizes a 90-day money-back guarantee
  • Provides a private dashboard with personal finance tools
  • It makes credit monitoring look easy
  • Gives free credit score analysis service
  • Better Business Bureau rating A
    Monthly fee $80-$120
    Money-back guarantee 90-day money-back guarantee
    Setup fee $99

    Lexington Law


    Most of the credit repair scams are related to a company claiming that they instantly offer the best credit repair service.

    But the thing is that good credit is not instant, which is something Lexington Law believes. And this is what caught our attention.

    The first thing that makes Lexington Law reside among the best credit repair companies is their constant expertise. The reputable credit repair service is well-connected with every credit bureau.

    That means they will not leave you out in the open after handling your credit history. Lexington Law will assist you further in terms of credit monitoring. That’s what makes it one of the best credit repair services.

    That being said, Lexington Law offers a stellar credit repair service. They start by analyzing your score.

    Here, they will point out the negative items causing you to have a poor score. Then, Lexington Law will open disputes and challenge each of the items.

    Before challenging the items, Lexington Law will ask three major credit bureaus and the creditors to verify the negative things properly. If the major credit bureaus cannot confirm those items, they are bound to remove them.

    Then, Lexington Law will deploy credit monitoring schemes, which some major credit reporting agencies don’t do.

    In this monitoring period, they will manage and improve your credit reports over time with dedicated and free credit score analysis. And while they are at it, they will tackle any new issues that appear on your credit report.

    As one of the top credit repair services, the company offers affordable credit repair packages to help users.

    Lastly, Lexington Law is one of the most experienced credit reporting agencies that are on this list. This credit repair agency has been around since 2004, making them a highly reputable credit repair company.

    Experience 31 years
    Key highlights
  • Provides constant expertise
  • Effectively challenges credit bureau for verifying negative items
  • Includes credit monitoring to their monthly fee
  • Among highly experienced credit reporting agencies
  • Emphasizes on fair credit reporting act
  • Better Business Bureau rating C
    Monthly fee $89.95
    Money-back guarantee N/A
    Setup fee N/A

    Credit Repair


    When it comes to offering free credit reports and free credit score analysis, Credit Repair occupies one of the top positions among the best credit repair companies. But that is not all that makes Credit Repair achieve such a high position.

    As we mentioned, Credit Repair offers free credit reports and free consultation. By opting for their free consultation, you will learn about the negative items causing poor scores.

    They even go further and provide a free credit improvement plan, which other credit repair services charge for.

    That being said, Credit Repair works just like how other top credit repair services work. After you opt for their monthly fee plan, they will first analyze your credit report.

    Through that, they will find out the erroneous credit reports. Then, they will challenge the credit bureaus to verify those reports.

    If any credit bureau fails to verify the erroneous credit report, they, along with the lenders, will remove the entries.

    By following this credit repair process, they have been improving scores since 2012. And in this period, Credit Repair has helped 1.8 million individuals that had inaccurate credit reports from major credit bureaus.

    On that note, if we consider the cease and desist letters, the count is 19 million+. Credit Repair was the only company that sent a million interventions in 2019.

    They even have flexible credit repair packages. There are aggressive, less aggressive, and moderate plans, which you are entirely free to choose from.

    All of the plans will offer you a general idea regarding how they can improve your score. In conclusion, many things made the company stand among the reputable credit repair services.

    Experience 10 years experience
    Key highlights
  • Offers free consultation
  • Appropriately challenges credit bureaus for false credit reports
  • Have flexible prices for the credit repair options
  • Ensures best credit scores through deeper analysis
  • Provides effective credit monitoring plans
  • Better Business Bureau rating D
    Monthly fee Starts from $99.95
    Money-back guarantee N/A
    Setup fee N/A



    There are a total of three major credit bureaus in the United States. Among those three credit bureaus, TransUnion is a popular one. And the ovation credit services that they offer genuinely justify their position.

    While most credit repair companies work with the major credit bureaus, it is a credit bureau itself and that’s why its credit repair services are faster than many reputable credit repair companies.

    But what credit repair services does TransUnion offer? Well, starting from tracking your scores to providing subscription services for credit monitoring, they offer everything.

    And the significant part is that they do the tracking as a for-profit business, making them an excellent pick among the best credit repair companies.

    This legitimate credit repair company provides multiple tools that can help improve your score. There is a monthly fee, though.

    However, it is pretty affordable. After subscribing, you will get tools such as Credit Lock Plus and Credit Compass. And all their tools comply with the credit repair organizations act.

    Among all the apps, the Credit Compass recommends steps that you can carry out to point your credit scores in the right direction.

    And Credit Lock Plus will protect your Equifax and TransUnion credit reports. So, you will not even have to worry about your data getting compromised.

    Being one of the three credit bureaus, TransUnion can offer some perks that some top credit repair companies cannot provide.

    Within the monthly fee, you get Identity theft insurance. If your ID goes to the wrong hands, you will receive $1 million. That is why they are within the Consumer Financial Protection Bureau database.

    Finally, their credit repair software offers some free consultation to a certain degree. Using those tools, you can slowly but surely improve your scores.

    Experience 54 years
    Key highlights
  • Provides tools that comply with the Credit Repair Organizations Act
  • Within Consumer Financial Protection Bureau database
  • Has tools that offer credit counseling
  • Among three major credit bureaus in the USA
  • Can effectively repair credit scores
  • Better Business Bureau rating A+
    Monthly fee $24.95
    Money-back guarantee N/A
    Setup fee N/A

    Credit Sesame


    Want to understand, leverage, and access your score? Well, if that is the case, then Credit Sesame is the right credit repair company for you.

    Are you wondering what makes it the best credit repair service for you? To begin with, the right credit repair company offers an effective mobile app.

    This credit repair software is available for both iOS and Android, which makes it highly accessible. And this app revolves around a personal credit monitoring platform.

    From that platform, you can observe and monitor all the issues linked to your score.

    And the best part is that the app offers free consultation and credit reports at any given time. It will provide you with insight regarding what a good credit score means, which can come in handy to improve the score.

    Even though the company’s credit repair options do not have a monthly fee or setup fee, they are making money out of this.

    You get personalized opportunities that will make it easier to leverage your score. And when you take advantage of those opportunities, Credit Sesame receives a cut.

    Other than that, the app is for everyone and does not require a setup fee. The software even has a tool that will enable you to lock your score.

    This feature will ensure that your score goes in the right direction. And the best part is that this feature is free too!

    Overall, even though Credit Sesame does have a monthly or setup fee, they certainly are among the top legitimate credit repair companies. And using their free consultation and other free services, you can surely bump up your score significantly.

    Experience 12 years
    Key highlights
  • It has a free app for both iOS and Android
  • Offers free insight into your credit score
  • Does not have a setup fee
  • Provides opportunities that increase the credit score
  • The app offers credit reports for free
  • Better Business Bureau rating A+
    Monthly fee Free
    Money-back guarantee N/A
    Setup fee N/A

    Credit Karma


    One of the well-known credit repair companies that we have on this list is Credit Karma. They are a go-to option for people looking to improve their scores by using various credit repair services. They even provide other credit score-related products.

    First, let us talk about the app. The app is free to download. That means there is no setup fee, nor will you have to pay a monthly fee to use it. And the community consists of over 100 million users making the right financial decisions to surplus their scores.

    Like Credit Sesame, Credit Karma offers free insight into the credit score. You can analyze your credit report and make the required decisions by using the data you will get from the free credit report. It will also present the current offers, which can help you improve your score substantially.

    There will be offers for accounts, loans, credit cards, auto financing, savings opportunities, and many more. However, you do not need to opt for these offers just to use the app. And this is what exactly makes Credit Karma a good credit repair company.

    Furthermore, the credit repair business will provide the tools that you will require to do your credit monitoring. And these credit monitoring tools are relatively advanced. By taking good advantage of them, you can avoid erroneous entries and penalties without any hassles at all.

    The app also offers a detailed credit score of Equifax and TransUnion. That means you will not have to opt for two credit repair service apps just to monitor both the credit score.

    Experience 14 years
    Key highlights
  • It does not require any setup fee
  • Provides free insight into the credit score
  • Offers highly effective credit score boosting tools
  • Presents up to date offers that can increase the credit score
  • Has proper credit monitoring tools
  • Better Business Bureau rating A-
    Monthly fee Free
    Money-back guarantee N/A
    Setup fee N/A

    The Credit Watcher


    On the hunt for something that will offer instant access to multiple scores at the same time? Look no further because The Credit Watcher is the best credit report platform for you!

    First, it offers information regarding your credit score from three of the primary credit bureaus simultaneously.

    That means you will not have to opt for multiple credit repair services to view additional info of different credit bureaus. It will make the whole credit score monitoring feel like a piece of cake.

    However, credit reports from different business bureaus is not the only thing The Credit Watcher offers. They provide the credit score analysis almost instantly and that’s why they’re among the good credit repair companies.

    You can analyze those data and take the required actions to improve your score. Also, there is an option that offers daily updates regarding your scores and credit reports.

    That being said, The Credit Watcher is best-known for its credit report services. The tools that they offer will allow you to repair scores completely.

    But they are not a full-service credit repair company. That means you might not find some tools that other credit repair companies offer.

    Nonetheless, they will offer you the essential credit score information, which you can utilize to repair credit scores fully. The credit repair company even offers personalized credit report features.

    You can view current offers and take advantage of them to make your credit report grow in a positive direction.

    Additionally, they are pretty strict about your information. This is the right credit repair company for you if you want to repair credit with a company that has integrated features that comply with the Consumer Financial Protection Bureau. So, you can stay utterly worry-free about your data with this best credit repair company in the credit repair industry.

    Experience 3 years
    Key highlights
  • Offers information from three credit bureaus at the same time
  • Provides credit report almost instantly
  • Allows the user to raise their credit score effectively
  • Shows current offers that can increase the credit score
  • Utilizes privacy features that comply with the Consumer Financial Protection Bureau
  • Better Business Bureau rating F
    Monthly fee $39.90
    Money-back guarantee N/A
    Setup fee N/A

    Credit Monkey


    Unlike some credit repair companies, Credit Monkey believes around 90 percent of credit reports contain serious errors.

    And by keeping that in mind, they have built a credit repair scheme that certainly makes them worthy of standing among the best credit repair companies.

    The most highlighting feature of Credit Monkey is that they are available in all of the 50 states.

    This is something some credit repair companies fail to check. And they have different monthly credit repair packages, which contain affordable and aggressive packages.

    On that note, the credit repair agency looks at your credit report deeply. They will analyze the credit report and look for mistakes at first. Usually, the mistakes revolve around late payments, collection issues, bankruptcies, and charge-offs.

    Upon keeping those mistakes in mind, they will challenge the business bureau and lenders.

    If they fail to verify the errors, you will be free from negative items that brought your score down. Even if the business bureau fails to verify the data, they will opt for the other main bureaus and prove the mistake.

    Talking of which, there is an option that will enable you to include five different credit cards. And the system will ensure that there are no more late payments on the active cards.

    In other words, you will not have to worry about late payments dropping your credit score any further by enlisting your cards here. Of course, this is not how the majority of credit repair companies work.

    Other than that, the credit repair company even offers a $10000 credit line and an unlimited number of removal requests of negative items from credit reports, public records. The team is also fully dedicated to responding to inquiries and counseling at any given time.

    Experience 3 years
    Key highlights
  • Available in all 50 states
  • Offers multiple monthly plans
  • Affordable plans available
  • Analyzes credit report properly
  • Provides credit counseling
  • Better Business Bureau rating B
    Monthly fee Starts from $99
    Money-back guarantee 90-day money-back guarantee
    Setup fee Free



    The official consumer division of FICO is MyFico. And if you do not know about FICO, it is an analytics company that tracks credit scores. Being one of the reputable credit repair services, it utilizes data from three different business bureaus, which is why it made it to our list.

    Unlike some of the credit repair agencies, MyFico implements a subscription service. There is an advance fee, which is a setup fee.

    And alongside that setup fee, you would need to make a monthly payment each month. Yes, we know that the costs seem too much, but the credit monitoring facilities they are offering are worth it.

    After paying both the setup and monthly fees, you will access an advanced credit monitoring tool. That will enable you to monitor your score continuously.

    And as the database is constantly updated, you will be capable of catching incorrect entries and errors quickly.

    Other than that, MyFico promotes its credit repair services as an all-in-one solution. And it certainly is!

    As they do not just rely on a single business bureau, we are pretty much sure that your lenders are also using the FICO score. For that reason, the credit repair service is an all-in-one solution to your credit report.

    That being said, FICO scores usually rely on the calculation rates of 90 percent of top lenders. As a result, MyFico can analyze and prioritize the critical scores. And by using the data the credit repair company is offering, you can improve your score significantly.

    Lastly, MyFico will also help you remove the errors from the credit history that many credit repair agencies don’t do. You can file request cease and desist letters, which will make the bureaus remove the errors on your record.

    Experience 20 years
    Key highlights
  • It offers a highly advanced monitoring tool
  • Rely on multiple business bureau data
  • An all-in-one solution for improving credit scores
  • Helps remove mistakes through cease and desist letters
  • Prioritizes the important items
  • Better Business Bureau rating A+
    Monthly fee Starts from $19.95
    Money-back guarantee N/A
    Setup fee N/A



    The credit repair company, CuraDebt has been in the industry since 2000. And they are operating all across the USA. The services that the company offers made the customers leave highly positive credit repair reviews. So, we decided to have a look.

    Firstly, the credit repair company offers services related to medical bills, credit cards, tax debts, and other unsecured debts.

    As the name states, they prioritize more on debts, which is one of the main reasons people have poor scores. And the debt relief services they offer are indeed something and that makes the company overlap other credit repair agencies.

    They have served more than 200 thousand clients. And they gained highly positive reviews from most of them. The best part about the company is that it will ease your financial burden when you need it the most.

    In addition to that, they offer a free savings estimate, which will allow you to scrutinize their service before you give them a try.

    The team consists of highly experienced credit repair individuals who can solve tax debt issues, solve audit defense issues, focus on tax resolutions, and fix complex judgments.

    After using their plan for a while, you will notice that you are free from financial debts. And when the debts are gone, your score will see nothing but rise.

    The company can even help in terms of lowering the money you owe to the lenders. You will save loads of money while adhering to the Credit Repair Organizations Act and the Fair Credit Reporting Act.

    Furthermore, there is no setup fee. You only need to make monthly payments. And there are plenty of plans that you can choose from too. Many credit repair companies charge high remunerations for the services that are delivered by the company for free. That’s why it’s one of the best credit repair services.

    Experience 22 years
    Key highlights
  • The team is highly experienced
  • Offers relief from different debts
  • Can significantly lower the amount of money one owes
  • Does not have a setup plan
  • Capable of adequately resolving tax debt issues
  • Better Business Bureau rating A+
    Monthly fee Free
    Money-back guarantee N/A
    Setup fee N/A



    If you were looking for a credit repair service that relies on multiple bureaus and offers a trial period, you must look at the service that FreeScore360 is offering.

    As we mentioned, the company is offering a seven-day trial option. That will enable you to analyze the services that the company is offering.

    And the best part is that even in the trial mode, it is possible to gain a credit report instantly. Now that is something that will make you want to try out the trial, right?

    After the trial period is over, the credit repair company will charge you a monthly fee. And there are plenty of advanced tools included in that subscription to improve your credit report.

    There is ScoreSense System, which will include daily credit monitoring. It even has an interactive learning center that provides insight into your score.

    Talking of which, the interactive learning center focuses on the necessary things like credit report improvement.

    You can know how credit scores work and learn the techniques that quickly improve the score. Using that knowledge, you can soon improve the score by yourself.

    Nonetheless, the monthly plan of the company is pretty affordable and this much lesser than what many credit repair companies charge. There will be no need to break your bank just to get insight into your credit score.

    However, they certainly do not have as much reputation as the other credit reporting agencies on this list. But that does not matter until their service is top-notch.

    Additionally, there is a credit score analysis feature that will alert you when your credit score dips. You will stay up to date with your credit score.

    Experience Almost 22 years
    Key highlights
  • Provides effective credit repair services
  • Offers instantaneous credit report
  • It relies on the data of different business bureau
  • Has an alert system
  • The monthly plans are pretty affordable
  • Better Business Bureau rating A
    Monthly fee $29.95
    Money-back guarantee N/A
    Setup fee N/A

    The Credit People


    Among many credit score repair companies, a few can increase points significantly right after using their program. And The Credit People is one of them.

    As mentioned, they can increase the average score of 53 to 187 in just a few days. That seems too good to be true, right? But it is not! Millions of customer reviews are saying the same too.

    Ever since the company started offering their credit repair service, they have removed more than 1.4 million credit issues. The company even claims that about 80 percent of the customers were approved for auto loans. And the reviews tell the same story.

    One of us got auto-approved for home loans after getting one of their credit repair options. You will even get other perks, such as auto-approval for a new credit card and many more.

    And just like some of the credit repair companies, The Credit People also offers free credit reports and data from three different bureaus.

    We were even amazed by how dedicated the team was. They were pretty fast at offering support and answering queries.

    Also, they are good at providing credit counseling. They will analyze your credit history, look through the things that made your credit score drop.

    Besides that, their monthly plan is pretty affordable. It is cheaper than most of the credit repair companies that are on this list. And the monitoring service that they offer for the price is more than worth it.

    Experience 20 years
    Key highlights
  • Ensures growth of points right after one takes the program
  • It makes individuals capable of getting auto loans
  • Offers reliable credit reports
  • Has a dedicated team
  • The plans are pretty affordable
  • Better Business Bureau rating C+
    Monthly fee $79
    Money-back guarantee 60-day money-back guarantee
    Setup fee $19

    Leap Credit


    The Leap Credit took the final spot on our list. The thing that made them stand out among the other credit repair companies was their accessibility level.

    First of all, this credit repair company offers all levels of credit repair options to the people.

    They will go a step ahead in terms of helping the people get the money they require as fast as possible. And for doing that, they have utilized a quick and straightforward application process.

    Their application process does not require that many steps, nor will the customers have to go through that many hassles to get approvals.

    We noticed that several of our applications got granted exceptionally fast. And this is what we were exactly referring to in the beginning.

    On that note, to apply, all you need to have is a verified income source, be 18 years old, a US citizen, and have an open checking account.

    That is all! After meeting all these simple criteria, you would be eligible for receiving a loan. Also, there is no setup fee either.

    Besides just utilizing a simple application process, the company also offers additional perks that are beneficial for increasing the credit score.

    There are monitoring tools that will allow you to monitor your scores and generate free credit report constantly. Through that, you can adequately track the negative items and get rid of them instantly.

    Experience 3 years
    Key highlights
  • Offers all levels of credit repairing services
  • Ensures fast approvals
  • It does not have that many criteria
  • Has different monitoring tools
  • There is no setup fee
  • Better Business Bureau rating B
    Monthly fee Free
    Money-back guarantee N/A
    Setup fee N/A

    How We Ranked The Best Credit Repair Companies

    All credit repair companies will claim that they will provide stellar overall services and bump up your credit score within a couple of days.

    However, as you know by now, not all of their claims are true. And to scrutinize their services and their capabilities, we have kept the following metrics in our mind:

    Accurate Tracking of Scores

    The first thing that separates a good credit repair company from the average one is an accurate description of their increased points. Some companies will come up with a number, which will collide with the customer reviews.

    We have considered the average estimated score increment claims made by the companies and compared them with the customer reviews first. If both told the same story, we gave them a try. Also, if they fulfilled the category, we ranked them higher.

    Credit Score Improvement

    The main point of using one of these services is to improve your score substantially, right? Well, not all of the credit repair companies offer that.

    Many credit repair companies will offer a range of improvements that will be within the tenths. But the thing is, improving the score by tenths is not that much of a challenging task at all.

    One can do that by themselves if they analyze their scores properly. That is why we have prioritized the top credit repair companies that are capable of improving the credit score by hundreds.

    Customer Satisfaction and Dedication

    We believe that any company that prioritizes customer satisfaction and is dedicated will offer stellar overall services.

    And the same thing is applicable for credit repair companies too. You will notice that the ones offering a 90-day money-back guarantee are the ones holding the top positions.

    Do you know why? Within 90 days, you will know what type of improvement you can expect from the company. So, if a company is offering a 90-day money-back guarantee, they are pretty dedicated to ensuring customer satisfaction.

    However, make sure that the claim is legit, or you might fall into the trap of a credit repair scam.

    Price and Value

    We all want to get a fantastic overall service. But the thing is, if the service does not make that much sense in terms of money, it will not be worth opting for.

    Well, we stumbled upon plenty of companies like that. They were making bold claims and seemed very promising in the beginning.

    However, when we ventured into their credit repair packages, they didn’t seem worthy at all. It does not make sense to spend thousands of dollars on improving your score.

    You would be making another wrong move by opting for their services because plenty of good companies will do the same thing by charging you less.

    And we have prioritized those that offered packages that had a stellar value proposition. The more value their services delivered, the higher the rank they achieved in our list.

    Repairing Methods

    Most of these companies will work by only challenging the reports that are inaccurate or seem wrong. However, you do not need to rely on a company for this.

    You can do this by yourself. All you need to do is learn how to analyze your credit history and file a complaint at the Better Business Bureau.

    Good companies go beyond that. They will stick with your history till the very end. If the erroneous data are not removed, they will file a complaint again.

    Also, they will effectively challenge the bureaus to prove those items. And we have ranked these types of companies higher in our list.

    Offered Tools

    Lastly, we considered the monitoring and analyzing tools that the company was offering. There are plenty of companies on our list that will provide dashboards and different tools to monitor the credit score by yourself. These tools make things easier.

    You will find some of the companies offering a learning platform. That platform will teach you the ins and outs of your credit score and let you handle things independently in the future.

    Frequently Asked Questions About Credit Repair Companies

    Q: Is Filing a Complaint with the Better Business Bureau Worth It?

    A: The Better Business Bureau generally handles complaints in a non-partial manner. They will help the two parties to resolve the dispute.

    And usually, things get resolved quickly. So, we would recommend filing a complaint with the Better Business Bureau if you notice any erroneous entries on your credit history.

    Q: How Do Lenders Use the Credit Scores?

    A: The lenders will check the credit score to calculate the risks. If the score is low, the risk will be high. And when the risk is high, the loan application will not get approved.

    Q: Which Things Lower the Credit Score?

    A: According to most of the reports that the Better Business Bureau solves, most of the credit scores are dragged down by late payments on bills, foreclosures, and bankruptcies.

    Other factors include carrying a high balance on the cards and applying for too many credit accounts.

    Q: What Exactly Is a Bureau?

    A: Credit Bureaus such as Better Business Bureau are private companies. These companies track the credit scores of individuals.

    Q: Are Credit Report and Credit Score the Same Thing?

    A: Not really! A credit score is a three-digit number that dictates your worthiness as a borrower. And the credit report will include items that are affecting the score. The credit report will consist of issues such as bankruptcies, missed bills, and other public records.

    14 Best Credit Repair Companies: Final Words

    We cannot stress enough how important it is to have a good credit score nowadays. If your score is low, you will be viewed as a risk on every transaction that you make. And loans and insurance are pretty much essential for our daily lives.

    So, if you want to change that, we urge you to opt for nothing but the best credit repair companies.

    And if you want to stay away from scams, we would recommend opting for the companies that we have reviewed in this article because we can assure you that they will provide nothing but good overall service.

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    The links contained in this product review may result in a small commission if you opt to purchase the product recommended at no additional cost to you. This goes towards supporting our research and editorial team. Please know we only recommend high-quality products.


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