main image

Best Credit Repair Companies: See Top Credit Repair Services

Credit is a powerful financial tool that can help you to enhance your finances in various ways. A person’s credit history typically shows how they have been managing debt. It can influence their eligibility for credit cards, auto and mortgage loans, insurance, and even job applications. That means having a negative credit rating could have far-reaching adverse effects on your life.

Fortunately, credit repair firms offer a good solution for people with bad credit. These companies will typically guide you on improving your credit score while dealing with the top credit reporting agencies. A credit repair company works by removing various harmful elements like bankruptcies, late payments, and debt collections from your credit report.

The Best Credit Repair Companies of 2021

Read on below to discover the top credit repair companies you can use today to take control and improve your financial health. The companies mentioned below were rated based on their overall effectiveness, reliability, and cost, among other critical factors.

AMB Credit Consultants


AMB Credit Consultants is a credit repair firm that seeks to empower its clients to achieve better financial knowledge by offering financial literacy training programs. The company’s goal is to influence better credit-related decisions across the lives of its customers. The Texas-based firm has assisted millions of Americans in enhancing their credit ratings for more than ten years. The advantage of going with AMB Credit Consultants is that they use a more holistic approach to teach clients how to quickly recognize and rectify any negative financial habits and practices contributing to lousy credit ratings.

AMB Credit Consultants has two main credit repair options that are designed for individuals or couples. The couple service costs require $198 as the enrollment and monthly fee. Meanwhile, the individual service goes for $149 along with a $99 monthly fee. Some of the key features of these two credit repair services include:

  • Credit education
  • Unlimited credit disputes
  • Unlimited credit case reviews
  • Cease and desist orders
  • Faster response to collection letters

Clients who opt to use this service should know that this company requires an initial commitment of at least six or nine months when signing up. Even though this feature could be considered a drawback, the firm offers extensive refund policy protection. If this firm cannot remove one negative item from your credit reports, you will receive a full refund.

Here are three benefits associated with this credit repair firm:

  • Holistic credit repair services
  • Six-month refund policy
  • Focus on improving customer education

Credit Saint


One of the highest-rated credit card repair companies, Credit Saint, has been assisting numerous people with poor credit scores for a very long time. The Better Business Bureau has given Credit Saint an excellent A+ rating for over one decade that this company has been running. Clients can get free credit score assessments and credit reports to help in identifying possible issues. Most importantly, Credit Saint does not have any hidden costs or obligations.

If you decide to choose Credit Saint as your credit repair firm, the firm will contact your respective credit bureaus. The main aim of this initial correspondence is to notify the credit bureaus about any errors or wrong listings on your credit report. Credit Saint can help you remove various negative items like credit inquiries, liens, late payments, judgments, bankruptcies, and collections.

Credit Saint understands that each client has unique credit requirements. Hence, they offer different packages that cater to different client needs. The Credit Polish option is a basic package that offers free analysis, credit score tracking, and challenging five harmful listings in the leading credit bureaus. The following package is the advanced Credit Remodel option which contains everything included in the basic level and an additional ten harmful disputes in each cycle. This package also contains continuous credit monitoring.

The ultimate credit repair package from Credit Saint is called Clean Slate. This package includes all the key features of the two options mentioned above, along with unlimited disputes on any errors. Credit Saint will also take the extra step of creating and sending cease and desist orders on your behalf. This credit repair firm offers excellent value for the price along with a comprehensive 90-day refund policy.

Here is a summary of the benefits of choosing Credit Saint:

  • Three unique credit repair programs
  • An A+ rating by Better Business Bureau for more than a decade
  • A free evaluation of your case with an experienced credit repair professional
  • If the results are not satisfactory, Credit Saint will offer a refund within the first 90 days
  • Convenient online monitoring of your credit status
  • Great value and affordable prices

Sky Blue Credit


This credit repair organization offers top-notch services at reasonable prices. The straightforward and transparent service includes free credit services during the first six days, along with a refund policy of 90 days. Sky Blue Credit is the most appropriate option if you search for a top-quality but low-cost credit repair organization.

The monthly fee at Sky Blue Credit is relatively affordable based on all their unique credit services. Some of the key features of their credit services include disputing five items in all three major credit report bureaus after every 35 days. This is unlike other firms that often offer different rates for different packages, increasing the overall cost.

New clients here will also get a comprehensive analysis of their credit history. This initial service helps clients to identify any detrimental errors in the reports quickly. The credit repair professionals will then initiate the challenging tasks of disputing any debt by sending letters to the respective creditors. In addition, they also verify any outstanding debts and provide clients with practical strategies for improving their credit scores.

The notable benefits of using this credit repair provider include:

  • Free for the initial six days
  • Clients can cancel their subscription at any time
  • 90-day refund policy
  • The low-cost monthly price that covers all credit services

Lexington Law


The Lexington Law credit repair firm was established in 1991, making it an experienced and trustworthy provider. Besides having extensive experience managing people’s credit, the firm is among the most prominent credit restoration firms in America. This company has built a reputation for removing hundreds of thousands of harmful listings from their customers’ credit reports.

Lexington Law has a skilled team of legal experts like attorneys and paralegals. All these professionals work together to improve their client’s credit scores by leveraging various laws. This credit repair organization can help with multiple issues that can affect your credit score, including identity theft, student debt, military service, divorce, and medical bills.

The company offers three different service packages designed to support different types of customers. The Concord Standard represents their basic credit restoration package comprising challenging harmful listings with the leading credit bureaus and the customer’s creditors. Meanwhile, their premium package contains basic services and extra services like TransUnion alerts and credit analysis. The firm also waives hard inquiries. If you are looking for the most comprehensive and detailed credit repair package, you should go for the PremierPlus option. This credit repair package contains all the features offered by the other two packages and extra services like personal finance solutions, identity theft security, and FICO score tracking.

While Lexington Law may be a highly experienced company in the credit repair sector, its services are often more costly than its competitors. Nevertheless, their undeniable skill and expertise justify their higher prices.

Below are a few pros of choosing Lexington Law for credit repair:

  • The company has achieved more than 50 million removals over the last two decades
  • Lexington Law supports more than 500,000 clients
  • They have been consistently ranked as one of the top credit repair providers in the country.
  • They can help with foreclosures, charge-offs, late payments, and collections.

The Credit Pros


With over 12 years of experience in the credit repair industry, The Credit Pros is an established firm that has helped thousands of people resolve their credit problems. This company has been consistently included in the top credit repair providers by numerous review sites online and garnering the prestigious A+ score from Better Business Bureau.

Like other top firms included in this list, The Credit Pros also comes with three distinctive credit repair options. Their cheapest option is Money Management, and it features identity monitoring, TransUnion alerts, and more. This package grants user’s access to an internal financial management solution known as CashRules that helps consumers better manage their finances. Users can easily create budgets, connect bank accounts and conveniently track their financial transactions.

The Prosperity package is a mid-level credit repair option that delivers all the basic package features with extra benefits like debt verification, customized and professional debt action plans, cease and desist orders, endless disputes, and goodwill letters sent to all creditors. Finally, their most costly and comprehensive package is known as Success, and it features $1,500 credit lines along with all the key features of previous packages. In addition, this service will report positive credit behaviors to TransUnion and Experian, thus helping customers build better credit reports.

Here are some of the reasons why this firm is included in this list of top credit repair companies:

  • Free consultation for all clients with an experienced credit professional
  • Automatic credit repair technology
  • Faster credit repair services that produce more immediate results
  • Potential for sending an unlimited amount of dispute letters
  • A+ rating by Better Business Bureau
  • Several customizable packages available
  • Credit monitoring included for all packages

Ovation Services


The Ovation Services firm has successfully helped more than 10,000 people get better credit scores through outstanding credit restoration solutions. This firm builds lasting relationships with all its clients by providing customized credit repair packages. In addition, this firm offers highly affordable monthly subscription packages.

Each customer typically gets a free, comprehensive consultation when they sign up for Ovation Services. During that first consultation meeting, the credit advisor will evaluate the client’s credit health and determine how to tackle any arising credit issues. Afterward, the experienced consultant will file arguments as a representative of the client.

Some of the services provided here include drafting and sending goodwill letters and also disputing late payments. Ovation also works with the major credit reporting firms to ensure that they always have the correct information about their clients.

In conclusion, here are the top reasons to consider this firm:

  • Commitment to offering top quality customer service
  • Free initial consultation with a credit repair expert
  • Customized credit repair packages that will fit your unique requirements
  • Highly affordable


Despite being launched less than a decade ago, has removed close to 2 million negative items from their client’s credit reports. People can conveniently access this online solution from the firm’s mobile app, which is available on Android and iOS devices. Users will instantly get a report identifying any confusing, wrong, or imprecise data once they sign up with this service. offers several services to address debt and credit management. The Direct package represents the basic, low-cost option for clients with a few negative items on their report. This package comes with three disputes and 15 challenges lodged with the respective creditors every month. Meanwhile, clients that opt to use the Standard package will get constant credit monitoring, cease and desist orders, quarterly credit evaluation, and complex inquiry waivers. This standard package comes with relatively affordable prices compared to the average industry rates. Lastly, the Advanced option features a comprehensive package with multiple features like identity theft security and insurance, 19 monthly challenges, monthly FICO scores, and various tools to improve your personal finance.

Here is a summary of the top features of using

  • Free credit evaluation
  • Over 15 challenges per month
  • Efficient credit restoration programs
  • Variety of credit repair plans to choose from
  • Discounted prices for making refer

The Credit People


Customers interested in this credit repair firm can choose between their six-month plan and the monthly subscription package. The Credit People has successfully removed millions of harmful listings from their clients’ credit reports over the last decade. The firm has revealed that their average clients often achieve a significant uptick in their credit scores by up to 32%.

Users can evaluate this program for one week by paying a minor fee. A comprehensive 60-day money-back policy also covers all payments to this credit restoration firm. The Credit People are well known for providing reliable credit services with a strong focus on delivering the best quality customer service.

Other notable benefits of this firm include the following:

  • Faster debt inquiries and validation
  • FCRA certification
  • 24/7 convenient customer assistance
  • Unlimited monthly challenges

How does a credit repair service work?

Here is a brief explanation of how credit repair providers work. The first stage is to request a client’s credit report, which the leading credit bureaus typically hold. Once they have this information, they evaluate it thoroughly to check for any errors. Some of the common errors include data management mistakes, incomplete personal data, and inaccurate debt balances.

The process of clearing erroneous information from credit reports is often very challenging. The first thing these credit experts have to do is gather proof that the data included in the reports are false. This evidence collection stage may be short or long, depending on the number of errors detected on the document.

After the experts have collected the necessary information, they will share it with the respective credit monitoring firms, which triggers a one-month window where they must respond. The mistake will then be corrected if it was a genuine error. However, if there was no mistake, they will explain their reasons to your credit repair provider.

What strategies do credit firms use to get negative items removed?

Most of the top companies use different strategies to remove negative items from their client’s credit reports, including the following:

Goodwill letters

A credit restoration firm may write letters to all your creditors to help remove harmful data from your credit report. Even though this method may not work, there are situations where it can be pretty helpful.

Debt validation letter

Debt validation letters are formal letters sent to creditors or debt collection agencies to prove that they deal with legitimate debt. If no evidence is provided, then the negative item must be erased from the report.

Negative item challenge

All consumers are legally allowed to dispute any credit reporting inaccuracies, and the credit bureaus must respond within 30 days. Some firms offer unlimited negative disputes, while others provide a specific number of challenges based on the package.

Fixing inaccurate data

Identity theft victims need an effective solution for amending any incorrect records. The top credit repair firms mentioned above will typically assign their clients to expert advisors who can identify inconsistencies and help people fix false records.

Cease and desist orders

Consumers can request debt collection agencies to stop contacting them. Most credit firms will draft cease and desist orders to creditors and debt collectors to protect their customers.

How to choose the right credit repair company

Here are some of the critical considerations when evaluating different credit repair providers:

Free first consultation

The free first consultation is highly beneficial, even for people with good credit. During that initial consultation, the credit experts can help consumers pinpoint areas where they are facing issues and help guide them to experiencing success with credit management.

Setup costs

Legitimate companies shouldn’t ask for upfront payments from their clients since that is illegal. The top credit repair organizations featured here don’t charge any setup fees.

Monthly payments

Most repair firms offer a choice of one-time or monthly payments. You must decide which payment option suits you depending on your financial situation.

User reviews

Reading customer reviews is an excellent way of finding out whether or not a company offers efficient, reliable, cost-effective, or trustworthy services. Users must conduct extensive research across the internet to understand how other clients were treated in that organization.

Customer service

Customer service is yet another critical factor that separates the top repair firms from the mediocre ones. The best firms shown above offer great quality support with professional, friendly staff that can direct people to improve their credit scores.

FAQS about credit repair companies

Q: What is the difference between credit counseling and credit repair companies?

A: Credit repair firms are specialized organizations that offer services to enhance their client’s credit scores for a small cost. These firms often deal with all the hard work of finding and reporting any errors to credit reporting companies.

In contrast, credit counseling firms typically offer free resources to help people in improving their financial management. NGOs and financial education firms typically run these, and their main focus is promoting financial literacy.

Q: How can I verify a reliable credit repair firm?

A: The credit restoration sector is filled with numerous scams. Thus, people need to undertake extensive research before deciding to hire any company. Here are few different strategies to help with verifying credit repair companies:

  • Check out Better Business Bureau
  • Search customer review sites
  • Search the complaint database of the Consumer Financial Protection Bureau

In addition, you should only consider companies that offer honest services. Avoid any companies that advertise that they can do any of the following:

  • Create new credit histories or identities
  • Remove all negative items from your credit reports, even if they are accurate.
  • The company demands an upfront payment before you can access its service
  • A company that is guaranteeing that it will improve your credit

Q: How long will it take to repair credit successfully?

A: Clients of credit repair companies shouldn’t expect to get instant progress. It often takes at least six months before you can start seeing visible results in your report. However, if you are committed to your credit score, you can get lasting results within one year. The key here is to go with trustworthy credit companies that offer honest expectations for their different services. Staying committed to the task and practicing good financial behaviors can help you see improvements in your credit much sooner.

Q: Are credit repair firms worth it?

A: Many people often wonder whether it makes financial sense to invest in credit repair firms since they can achieve similar results without paying for those services. However, you can get a few benefits by using experienced credit recovery providers instead of doing it yourself. For instance, these companies can save you a lot of time since they handle most of the work related to your credit score.

Additionally, these firms are highly skilled in this sector, and they can offer you more efficient results than doing it yourself. Besides getting positive results sooner, using credit repair companies can save you money in the future since improving your credit rating can result in massive savings on loan interest, credit cards, and mortgage repayments.

Q: What is the average price of credit repair services?

A: Each credit restoration company will have its own unique pricing. The calculations and fees will vary across different companies. However, there is one crucial rule that these firms must follow: they cannot receive or request payment until after they have delivered the advertised results.

Most companies offer either a one-time payment or monthly payments. Some can even require payment for each negative item they remove from your reports. These prices may start from $35 per removal to above $750. Meanwhile, the monthly costs can vary between $50 and $130 in top companies.

When deciding about the best payment options, you should consider how much effort your report needs. For instance, if you are only disputing a few negative items, you will gain more from doing it yourself and using the money to pay debt rather than paying another company to do that work.

Q: Do credit repair firms guarantee success?

A: The reality of credit reports is that they are constantly changing and are not static. If you continue to practice positive financial behaviors like paying your debts on time, then it is likely that your rating will continue improving. However, you should be cautious about any credit providers that make too many guaranteed promises.

Q: Can you improve your credit?

A: Depending on what is holding your credit rating down, there are a few things you can do to improve your score. An improvement in your score could lead to dramatic outcomes, including better access to credit cards or loans and also at much better terms. Here are a few tips to improve your credit:

  • Pay all your due bills on time: While the effects of missed payments may fade with time, it can be beneficial to show good credit behaviors by paying your creditors on time.
  • Dispute any errors in your credit reports: If a mistake on your report affects your rating, fixing it could help enhance your credit.
  • Make frequent bill payments throughout the month: Regular micropayments can keep your debt down and boost your credit score.
  • Become the authorized user on a credit card: This tip works best for people with thin credit files looking to boost their credit utilization and credit history.
  • Use secured credit cards: These cards are great for rebuilding your credit, and they are typically backed with a small cash deposit.
  • Avoid overspending: Create a budget and stick to it to ensure you don’t surpass your credit limit.
  • Avoid unnecessary credit applications to prevent hard credit inquiries

Using these few steps shown above can help you to enhance your apparent creditworthiness. Timely bill payments and using less than your available limit on your credit cards can help you make gains on your credit score. All these positive steps will gradually add up to improving your credit.

Q: How to avoid scams when dealing with credit repair providers

A: As mentioned above, there are plenty of scam firms in the credit repair space. However, most people can avoid them thanks to customer reviews and extensive research. The most important part to remember here is the CROA consumer protection law that prevents these firms from advertising misleading statements.

The next thing to check is the contracts, which should be easy to understand and offer a straightforward way to cancel. In addition, credit repair firms are not allowed to collect any payments before they conclude their services. Nevertheless, most companies circumvent this key regulation by adding setup costs or monthly fees.

Beware of any credit firms that offer misleading or dishonest claims. It is also worth watching out for organizations that don’t want the consumers to speak directly with the respective credit reporting bureaus. Furthermore, consumers should avoid any companies that claim to offer fabricated identities or fake credit reports.

All credit repairing firms have several requirements to abide by under the CROA, which include:

  • Providing consumers with a straightforward contract explaining their legal rights along with the credit repair packages they will provide
  • Fulfilling the advertised services before receiving fees or charging the user
  • Allowing users to cancel their subscription or payment in three days

If any credit repair firm requests upfront payments, fails to give you a contract, or refuses to respond to your questions, then you should avoid it.

The Best Credit Repair Companies of 2021 Conclusion

The top credit repair organizations featured above are quite helpful in ensuring you can gain control of your financial life by improving your credit score with time. These firms can also provide professional financial guidance to ensure you avoid debt and further damage to your credit rating. All the companies mentioned here have good reputations, and they offer practical and legal credit repair services.

Affiliate Disclosure:

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 and please know we only recommend high quality products.


Please understand that any advice or guidelines revealed here are not even remotely a substitute for sound medical advice from a licensed healthcare provider. Make sure to consult with a professional physician before making any purchasing decision if you use medications or have concerns following the review details shared above. Individual results may vary as the statements made regarding these products have not been evaluated by the Food and Drug Administration. The efficacy of these products has not been confirmed by FDA-approved research. These products are not intended to diagnose, treat, cure or prevent any disease.

More in Marketplace

Wealth Energy Mastery Review – Is Jasmine Lee Wealth Valve Legit or Not?

Financial worries are painful experiences the average human being is familiar with… Continue reading

7 Best THC Detox Drinks & Kits to Pass a Weed Drug Test

There are a variety of reasons why you would desire to get… Continue reading

Main image
Best Delta-8 THC Gummies: Top 5 Legal Brands of Weed & Cannabis Edibles

Ever since states started legalizing marijuana, delta-8 gummies have taken over the… Continue reading

main image
Blue Heron Health News Oxidized Cholesterol Strategy Review

The Oxidized Cholesterol Strategy claims to be the most comprehensive and complete… Continue reading

main image
Renown CBD Gummies (Scam or Legit) Review the Shocking Facts

Do you suffer from any of the following; chronic pain, hypertension, sleep… Continue reading

main image
TR4YTS Reviews: Legit Men, Women’s Fitness Training Program?

When most people start working out, they focus on building their muscles… Continue reading

main image
NiacinMax Reviews: How the Supplement Works and Where to Buy

The sports supplement market has never been more complicated. Even an amateur… Continue reading

main image
Ulixy CBD Neon Cubes Review – Effective CBD Gummies or Scam?

Ulixy CBD Neon Cubes are one of the most trusted brands for… Continue reading

main image
Best Delta-8 Brands in 2021 – Ranking the Top Companies List

Delta-8 is becoming more popular every day, with surging sales and more… Continue reading

main image
Triple Tinnitus Formula Reviews (3 Naturals) Legit or Scam?

The elderly tend to experience uncomfortable noises inside their ears coupled with… Continue reading

main image
Kiara CBD Reviews – Natural High Potency CBD Oil Formulas?

About Kiara Naturals Kiara Naturals is a CBD company that was established… Continue reading

main image
Acid Reflux Solution Kit Review (Barton Nutrition Reflux Remedy)

The Acid Reflux Solution is a digital ebook offering a natural solution… Continue reading