Get professional help with your credit and rebuilding it. We’ve reviewed and rated the top companies in the industry. You’ll find the top 5 credit repair companies below.  We’ve ranked them on history, performance,  value, price, customer reviews and more.


Get to get connected for a FREE Consultation

By submitting your email and phone number you agree to receive marketing emails and phone calls regarding your free credit consultation.

Credit Saint


The Credit People


SkyBlue Credit


Lexington Law


What You Need To Know

Credit Repair Services

Why Use a Credit Repair Company?

There are various reasons why you should use a credit repair company.

How Can Credit Repair Save You Time?

Credit fix takes a lot of time. Not just to get the credit fixed but also to contact all your creditors and to work out a deal with them. A lot of people do not have the time that is required to repair their credit. But a credit repair company will definitely have enough time to repair your credit since this vertical is their forte.

How Can Getting Your Credit Fixed Save You Money?

If you decide to do the repair on your own, you need a lot of money. First, you will have to hire an attorney to assist you with the legal tasks that need to be completed. He or she will also help with problems you may run into. But keep in mind that hiring an attorney is very expensive. However, when you use a credit repair company, you will be saving yourself a lot of money because you will not hire an attorney, since most of the top credit repair companies have licensed attorneys on staff.

What Resources Are Needed To Repair Your Credit?

The larger, experienced companies have resources, relationships, capital, and knowledgeable experts to help push the needle when it comes to getting results.

Are You Knowledgeable With Credit Report Repair?

A good number of people do not have the required information on how to efficiently fix erroneous, obsolete, inaccurate, and mistakes from a credit report. The experts at credit repair companies have the knowledge needed to do the fixing for you or to assist you step by step.

How Can Experience Help With Restoring Your Credit?

Having experience with repairing credit is a very big advantage and can help a lot. However, most people do not have the experience required but credit repair companies do. A credit repair company has professionals who had to learn everything in order to do their job well.

These are not the only benefits of using a credit repair company to repair your credit but they are the main benefits. There are many other benefits that you will acquire once you hire a credit repair company. Keep in mind that repairing your credit score is very important. Hence, you should decide carefully if you want to try it yourself or if you will hire a credit repair company to do it for you.

How Credit Repair Works & What Should You Know?

A credit repair company follows laws to legitimately represent you to credit reporting bureaus. Since they have the knowledge and understanding of laws that govern credit and credit control, it gives them the power and confidence to legally challenge every item in your credit report. You might also want to know how long it takes to view the results. After receiving your credit reports from 3 credit bureaus, the credit repair company will remove the negative debt from the credit report. According to the law, credit agencies should respond to your letters within 30 days from the date of actual dispute claim. A credit repair company is basically like your personal lawyer. You only need to trust them to do their job, and if the company is great at what they do, you will surely not be disappointed.

What Does Credit Repair Cost?

The cost of credit repair varies depending on the work they will be doing for you. There are operating relationship charges, and basic services and consultancy charges. But, the total cost you pay depends on the amount of time your credit repair takes. There are no hidden charges and there is no additional fee for the number of disputes, unless the credit repair company you choose charges per item deleted. Then it depends on how many items on your credit reports were removed.

How Long Will It Take to Repair Your Credit?

The duration of repairing your credit will also depend on various factors. If you use a credit repair company, there are certain strategies they can put in place to ensure you get results in no time. The good news is that your most recent history is what will impact your credit score the greatest. This means you will find your score getting better if your credit score is fixed over time.

Therefore, how long it will take to repair your credit will depend on various factors that include your timely participation, the credit repair company working for you, the nature of your case and level of credit bureau cooperation.

Do Credit Repair Companies Offer A Money-Back Guarantee?

Since there are many credit repair companies and a lot of scams are associated with some of them, how can you select a top credit repair company? Some of the things to consider when choosing a company include reputation and good money back guarantee. When you use a reliable credit repair company, you are entitled to a refund if the service is not completed as they stated. This means the credit repair company is reliable and is committed to help you solve your credit issues.

What are Other Credit Improvement Options?

There are various credit improvement options offered by best credit repair companies. You can hire a credit repair company that offer other credit repair services such as credit counseling or debt management programs. The company offering these services will make your financial life much easier as they will show you how to reduce your financial burden. They will work with you to find a strategy and ensure you find way to pay off your debts. Since they are professional credit counselors, they are excellent at negotiating. They will speak to all your creditors to see if they can reduce the interest rates or monthly payments.

These credit repair companies will also provide other credit services that include credit restoration tips and how to manage your credit and finances. This plays a very important role in repairing your credit score and also determining what your credit score might be in the future. Depending on your income and the money you own the creditors; they will be able to design a budget for you. This means the credit professionals will not only fix your credit score, they will also guide you on how to maintain it in the future.

We Value Full Disclosure is a free resource. We provide valuable content and comparisons for our consumers. In order to keep our resources free for readers, partners with some of the companies listed on this page. We may receive marketing compensation in exchange for clicks and calls from our site. Compensation may impact the location in which such companies appear on this page. Location, order and company ratings are may change based on editorial and staff decisions.

Our Commitment is committed to ensuring better credit repair help experiences for everyone, which means we do our due diligence so that you can make an informed decision.

If you are looking to work with a credit repair company that isn’t listed and would like for us to look into, please contact us.

Our Partners

The Credit People, Lexington Law, SkyBlue Credit Repair, The Credit Saint.