Best Credit Repair Companies

5 Best Credit Repair Companies to Fix Your Credit Score in 2023

If you are having trouble getting approved for a loan or your credit score is low, some companies can help. Credit repair companies can help you fix your credit score by finding and correcting mistakes in your credit report. They can also provide tips on how to improve your credit history. Improving your credit score may help you get better terms on loans, lower interest rates, and more favorable terms when shopping for a home or car.

A good credit repair company can help you improve your credit score and fix any errors in your credit report. The best credit repair firms work with major credit bureaus on your behalf to remove any negative items affecting your credit scores, such as late payments, charge-offs, debt collections, bankruptcy, and charges.

Credit report errors are more common than you may think. You can correct inaccurate information on your credit report yourself, but it is frustrating and time-consuming.

Credit repair companies can help make this easier by assisting you with your credit reports, disputing errors, and finding inaccuracies. We have reviewed the top 5 credit repair services to help you choose the right one for you.

If you are ready to get rid of bad credit, read 5 Best Credit Repair Companies in 2023.

5 Best Credit Repair Companies in 2023

  • The Credit Pros: Credit Repair Best Bonus Features
  • Credit Saint – Best Credit Repair Company Overall
  • Lexington Law – Credit Repair Companies Leader
  • Sky Blue Credit – Best for Flexible Value
  • One of the best Free credit score analysis

1. The Credit Pros: Best Bonus Features

The Credit Pros

Official Website:

Credit Pros has been around for 12 years. It provides an AI-driven personal credit management platform and repair platform. Credit monitoring is also included at no additional charge, and credit monitoring is an optional service offered by other credit repair companies.

Many credit repair companies offer additional perks for premium plans only, but The Credit Pros provides useful financial management tools with the cheapest package. The most economical package (Money management) includes tools such as bill reminders, a budgeting system that syncs with your credit accounts in real-time, and credit and identity theft monitoring.

The Credit Pros will provide Transunion credit score updates every 60 days. They also offer a complete credit report. It will also monitor your personal information, such as your Social Security number or address, to determine if it has been found online or used to obtain a payday loan.

The Money Management plan has one problem. It will only address one incorrect item per month. You can upgrade to the Prosperity and Success plans if you require assistance with multiple items. These packages include all the benefits of the Money Management plan, plus additional perks.

SlashRx is a discount program that offers prescription medication discounts. The Prosperity Package gives you access to SlashRx, and the Success Package also provides access to SlashRx, a discount program for prescription medications. It also offers a credit card line from National Credit Direct. National Credit Direct, a financing program that allows customers to purchase electronic items at low monthly payments, is called National Credit Direct. These monthly payments are reported to credit bureaus and can help improve credit scores. The company’s products are often more expensive than other retailers.

All plans include access to the mobile app of The Credit Pros, which allows you to review disputes, get real-time updates, and monitor and control your credit score. This company offers free consultations in English and Spanish. It is unusual in the credit repair industry. It is worth noting that the company’s initial fee for work is $119 for the low and medium-tier plans and $149 for the premium plan.

  • Credit monitoring included with every package tier
  • Free Consultation
  • Financial management tools and credit monitoring included with every plan
  • Live chat available
  • Certified FICO professionals
  • No setup fee
  • 90-day, money-back guarantee
  • Charges a one-time setup fee starting at $119
  • It doesn’t provide services to Kansas, Maine, Minnesota, and Oregon

The Credit Pros Repair Package Details

Money Management—$119/month & $69 startup feeProsperity Package—$119/month & $119 startup feeSuccess Package—$149/month & $149 startup fee
TransUnion credit scoreTransUnion credit ScoreTransUnion credit score
TransUnion credit monitoringTransUnion credit monitoringTransUnion credit monitoring
Full credit reportFull credit reportFull credit report
DarkWeb MonitoringDarkWeb MonitoringDarkWeb Monitoring
Change of address monitoringChange of address monitoringChange of address monitoring
Social Security traceSocial Security traceSocial Security trace
Pay-day monitoringPay-day monitoringPay-day monitoring
Social network monitoringSocial network monitoringSocial network monitoring
Bill reminderBill reminderBill reminder
Budgeting systemBudgeting systemBudgeting system
Real-time account syncReal-time account syncReal-time account sync
Snowball and avalanche debt systemSnowball and avalanche debt systemSnowball and avalanche debt system
TCP legal networkTCP legal networkTCP legal network
Debt validation letters to creditorsDebt validation letters to creditorsDebt validation letters to creditors
National Credit Direct line of creditSlash Rx medication discountsNational Credit Direct line of credit
Slash Rx medication discounts
The Credit Pros Repair Package Details

2. Credit Saint – Best Credit Repair Company Overall

Official Website:

Credit Saint is an established company that has been around for 17 years, and it is well-respected in the industry. Credit Saint was our choice for Best Overall due to its transparent pricing policies and wide range of affordable and comprehensive packages.

Packages range in price from $79.99 to $119.99. They differ in the number of claims they will dispute per month. There are five claims for the “Credit Polish”, while the premium “Clean Slate” has unlimited claims.

Credit Saint offers a free consultation to assess your situation and compare your scores with the major bureaus. It will also help you determine the best next steps. After you sign up, they assign an advisory team to your case and schedule calls to keep you updated.

Credit Saint gives you access and monitoring changes in your Experian credit score. It also offers a 90-day guarantee of your money back if there are no changes to your credit history within three months.

Credit Saint helps customers to repair their credit. Credit Saint removes the following items from credit reports if they are incorrect.

  • Late payments
  • Judgments
  • Collections
  • Repossessions
  • Bankruptcy
  • Credit Inquiries
  • Liens

The company offers credit repair packages: Credit Polish, Credit Remodel, and Clean Slate.

  • 90-day money-back guarantee
  • Options for every budget
  • Clear pricing policies
  • Online sign-up available
  • Limited availability
  • First work fees are between $99-$195
  • No online chat

Credit Saint Repair Package Details

Credit Polish $79.99 per monthCredit Remodel $99.99 per monthClean Slate $119.99 per month
$99 one-time initial work fee$99 one-time initial work fee$195 initial work fee
Dispute up to 5 items per monthly cycleDispute up to 10 items per monthUnlimited monthly disputes
Goodwill intervention letters to creditorsExperian monitoringExperian monitoring
Goodwill intervention letters to creditorsGoodwill intervention letters to creditors
Escalated information requestsEscalated information requests
Credit Saint Repair Package Details

3. Lexington Law – Credit Repair Companies Leader

Official Website:

Lexington Law has been in operation for more than 15 years, making it one of the most trusted credit repair companies. Lexington Law has been operating for over 15 years. This makes it one of the most trusted credit recovery companies. Lexington Law was established “to revolutionize credit repair by providing ethical credit repair to consumers who are in need.” It offers three service packages that give clients a roadmap for building credit and achieving their financial goals.

Lexington Law is focused on four areas to help customers build credit: credit report analysis; credit disputing; dispute escalating; credit score analysis and monitoring.

Three service packages are offered by the company, ranging from $95.85 up to $139.95 per month. Each package includes credit disputes and creditor intervention — such as goodwill and debt validation letters. The company’s high-tier plans offer additional perks such as Transunion credit monitoring, identity tracking, and/or a FICO Score tracker.

Lexington offers a mobile app that allows you to monitor your credit status. It is highly rated and users can access their credit score analysis, personal counseling plan, and dispute updates 24/7.

Lexington has had its fair share of legal issues. The company has been the subject of numerous lawsuits. In 2019, the Consumer Financial Protection Bureau filed legal action against Lexington alleging that it used unfair telemarketing techniques to recruit customers. According to the company, these practices were actually performed by third parties that they hired.

Read ➤ How Many Credit Cards Should You Have?

Lexington Law is still a strong player in the industry. Lexington Law offers the benefit of an experienced lawyer handling your case.

  • Long, proven track record
  • Online contact options
  • Employs attorneys and paralegals
  • Free credit report consultation
  • Credit monitoring only available with the priciest plan
  • Financial management tools only available with the Premier Plus plan
  • Pending legal action from the CFPB
  • No satisfaction guarantee

Lexington Law Credit Repair Package Details

Concord Standard
$95.95 p/m
Concord Premier
$119.95 p/m
Premier Plus
$139.95 p/m
Bureau challengesBureau challengesBureau challenges
Creditor interventionsCreditor interventionsCreditor interventions
Score analysisScore analysis
TransUnion alertsTransUnion alerts
Cease & desist letters
FICO score tracker
Identity theft protection
Personal finance tools
Lexington Credit Repair Package Details

4. Sky Blue Credit – Best for Flexible Value

Official Website:

Sky Blue Credit is a credit repair company that has been around for more than 30 years. The service provides everything customers need to repair credit scores and find credit errors. There are no additional charges for upgrading to higher-priced packages, unlike other credit repair firms on the list.

Many credit repair agencies offer a money-back guarantee of up to 90 days. This guarantees that they will refund any money you have paid if your credit report shows negative information. Sky Blue Credit Repair also offers a 90-day money-back guarantee. However, this policy goes one better: it allows you to pause and resume membership at any time, something that most companies do not offer.

You can request an online pause to skip a month without having to cancel your subscription. Your account will be paused for one month, and you can resume your subscription whenever necessary. You won’t be charged any monthly fees, and this can help you save money on startup fees that credit repair companies charge when using their services.

Sky Blue offers a single plan at $79 per month for individuals and $119 per month for couples (married or unmarried). Sky Blue, like many competitors, will not only help you remove incorrect information from your credit reports but also provide advice on managing debt and improving your financial habits.

Sky Blue has ceased to be registered with the Better Business Bureau, and companies must pay annual fees to remain accredited. It did have an A+ rating, and customer comments were generally positive.

  • 90-day money-back guarantee, no conditions
  • 50% off a month for couples discount
  • Repair up to 15 items every 35 days
  • Online sign-up available
  • No monthly credit monitoring
  • No financial tools, such as budgeting
  • Monthly disputes are limited to five per bureau every 35 days

Sky Blue Credit Repair Package Details

Sky Blue Credit Repair Services $79 p/m ($119 p/m for couples)
Dispute up to 15 items (5 per credit bureau) every 35 days
Customized dispute letters
Statute of limitations research on reported debts
Credit score guidance
Credit rebuilding counseling
Debt settlement and negotiations consultations
Debt validation, goodwill and cease and desist letters
Sky Blue Credit Repair Package Details

5. One of the best Free credit score analysis

Official Website: is a nine-year-old company that has led 1.8 million credit repair requests since its inception. It challenges customers’ credit reports with every credit bureau and asks creditors to verify any negative items they are reporting. Customers’ credit is monitored to ensure that they reach their goals.

Customers can choose from three different packages and receive a complimentary consultation to help them select the right one for them. Packages start at $69.95 and can go up to $119.95. The startup fee is equal to each monthly fee. “” packages include credit monitoring, which all credit repair companies don’t offer.

  • Simple process
  • Educational blog
  • No information about its staff’s qualifications
  • Pending legal action from the CFPB
  • Unclear information on its three plans Package Details

Direct—$69.95/month & $69.95 startup feeStandard—$99.95/month & $99.95 startup feeAdvanced—$119.95/month & $119.95 startup fee
Up to 15 negative item challenges total per cycle across the three credit bureausUp to 15 negative item challenges total per cycle across the three credit bureausUp to 19 negative item challenges total per cycle across the three credit bureaus
Up to 3 creditor disputes per monthUp to 3 creditor disputes per monthUp to 6 creditor disputes per month
Inquiry assistsInquiry assistsInquiry assists
Quarterly credit score updatesQuarterly credit score updatesMonthly credit score updates
TransUnion credit monitoringTransUnion credit monitoring
FICO® credit scoreFICO® credit score
Cease and desist intervention Package Details


What is Credit Repair?

Credit repair refers to consumers who work with companies that remove credit reporting errors with the intention of improving their credit score. You can get a variety of additional features depending on which company you work with. These include free credit score updates and credit monitoring. They can also write cease-and-desist letters to debt collectors.

How does credit repair work?

Continue reading to learn how to select a credit repair service that is trustworthy and how it works.

What is the Average Cost of Credit Repair?

The most popular credit repair pricing model is a subscription model. Customers would pay a monthly fee of $60-200 depending on the package. There may also be a setup fee which could be as high as a full month’s subscription.
According to some companies, credit repair can take six months before the process is complete. For example, you might have $700 if you sign up for a $100 monthly fee package and a $100 setup fee. Although it might seem expensive, it is possible to do this work yourself, but it will take more time.

How to find the best credit repair company?

Compare the monthly and upfront fees charged by credit repair companies when evaluating them. You should also consider how many items they dispute each month and whether they offer additional perks like free consultations or financial tools. Online reviews from customers can help you gauge the company’s reputation and determine if there have been any lawsuits against them.

How to Fix Your Credit?

Although you can repair your credit by yourself, it will require patience, time, and effort. Examine each credit report from Equifax, TransUnion, and Experian for any errors. If you find errors, contact your creditor and file a dispute with TransUnion. They have a legal obligation to examine and correct any incorrect information in your credit report.

What is the average time it takes to repair credit?

It depends on the amount of inaccurate information in your credit report. It can take up to six months for your credit score to improve, according to some companies. If your report is clean and clear, it might take less time to see a change in your score.

Does Credit Repair Work?

Although many companies will boast about how many negative entries they have removed, there is no reliable data to prove their effectiveness. Although credit repair companies may be able to assist you with the process of removing negative entries from your credit report, it is not guaranteed that they will succeed.
You can complete all the credit repair work that a company can do for you on your own. It’s better to review your credit reports and file any disputes on your own. You can do the work yourself for free and save hundreds of dollars by hiring a credit repair firm.

Is credit repair legal?

Although there are legitimate credit repair companies, the industry is full of scammers. It’s best to verify any company that you’re thinking about hiring. The Federal Trade Commission cautions against credit repair services that promise to remove inaccurate information or help you create a new identity. Credit Repair Organizations Act demands that companies provide a firm estimate of costs and a timeframe for obtaining results. You have three business days to cancel your services. Reputable companies will help you manage your credit accounts to prevent further damage. A reputable company will not promise a specific result or encourage you to lie.

What are credit repair services?

Legitimate credit repair companies will check your credit reports and make any corrections. Many of these services also verify that the information doesn’t reappear. Credit bureaus have 30 days to investigate any dispute in credit reports. They don’t have the obligation to investigate disputes that they consider “frivolous”.

What can I do to repair my credit?

Start by checking your credit reports from the three major credit reporting bureaus – Experian, Equifax, and TransUnion – by using All three credit reporting bureaus will provide you with weekly credit reports for free until the end of 2022. Follow these steps to get your credit report:
Report errors in your credit report to the credit bureaus directly. The online dispute process is available at all three bureaus. This is often the most efficient way to resolve a problem.
You should be looking for accurate information but not able to back it up. It is best to remove any unverifiable information, but it can be re-verified later. A retailer might owe a debt; however, unless they sell the debt to a collection agency with ownership, it could be unverifiable.
Improve your payment record. The most important thing that will affect your credit score is your payment history. Late payments could affect your credit score.
You should use less credit. The credit utilization ratio is the measure of how much credit you are using from your credit cards. Your credit utilization ratio is a measure of how much you’re using your credit card limit. The lower the number, the better it will be for your score. To lower your credit utilization, you may consider multiple smaller payments throughout the billing cycle if it is possible.
It doesn’t matter if you are fixing your credit yourself or hiring a company to do it, it is smart to have a plan to build and maintain your credit moving forward.

If I get credit repair and all items are removed Am I able to get a car loan or will it show negative on my credit report?

If negative items on your credit report are successfully removed through the credit repair process, it could improve your credit score and make it easier to obtain a car loan. However, it is important to consider many factors lenders consider when deciding whether to approve a loan, and a good credit score is just one of them.
Even if negative items are removed from your credit report, lenders may still consider your payment history, income, and debt-to-income ratio when deciding whether to approve a loan. Therefore, it is important to be aware of all the factors that could affect your ability to get a car loan and to work on improving these factors in addition to your credit score.
If you have recently completed a credit repair process and want a car loan, shop around and compare offers from multiple lenders to find the best deal. It is also a good idea to check your credit score and credit report before applying for a loan to ensure that all the information is accurate and up-to-date.

In process of credit repair and seeing significant decrease in credit score instead of improving is that normal

It is not normal for your credit score to decrease significantly during the credit repair process. There are a few possible reasons why your credit score may be decreasing:
1) Negative information on your credit report: If negative information on your credit report is not being disputed or removed, your credit score may continue to drop.
2) New credit inquiries: If you apply for new credit while you are in the process of repairing your credit, this could harm your credit score.
3) Payment history: If you have yet to make payments or have a high balance on your credit cards, this could also cause your credit score to drop.
It is important to monitor your credit score closely and to work with your credit repair company to address any issues causing your credit score to decrease. If you are not seeing improvement in your credit score or are experiencing a significant drop, consider reconsidering your approach to credit repair or choosing a different credit repair company to work with.

Is it better to use 2 credit repair companies?

It is generally not advisable to use multiple credit repair companies simultaneously. Here are a few reasons why:
1) Credit repair companies generally offer similar services, so using two companies is likely to yield similar results.
2)Some credit repair companies may charge upfront fees or require you to sign a contract, which could be a financial burden.
3) Credit repair companies cannot perform any services you cannot do for free. Therefore, it is generally more cost-effective to do the work yourself or to hire a credit repair company to do it for you.
Research and choose a reputable credit repair company with a good track record of helping clients improve their credit scores. Suppose you are not satisfied with the services of a credit repair company. In that case, consider seeking a refund or cancelling the service and looking for another company to work with.

Can you use two credit repair companies at the same time?

It is generally not advisable to use multiple credit repair companies simultaneously. Here are a few reasons why:
Credit repair companies generally offer similar services, so using two companies is likely to yield similar results.
Some credit repair companies may charge upfront fees or require you to sign a contract, which could be a financial burden.
Credit repair companies cannot perform any services you cannot do for free. Therefore, it is generally more cost-effective to do the work yourself or to hire a credit repair company to do it for you.
It is generally better to research and choose a reputable credit repair company with a good track record of helping clients improve their credit scores. Suppose you are not satisfied with the services of a credit repair company. In that case, you may consider seeking a refund or cancelling the service and looking for another company to work with.

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