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Michelle Clardie
Written by
Luke Daugherty
Edited by
Luke DaughertyEdited by
Updated May 22, 2024
On this page
- Best credit repair companies
- What is credit repair?
- How can you avoid credit repair scams?
- Is it possible to do credit repair yourself?
- Frequently asked questions
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On This Page
On This Page
- Best credit repair companies
- What is credit repair?
- How can you avoid credit repair scams?
- Is it possible to do credit repair yourself?
- Frequently asked questions
Your credit history can affect your employment opportunities, housing options and ability to qualify for loans. However, according to a Federal Trade Commission study, one out of every five Americans has an error on at least one of their credit reports.
Credit repair companies help consumers correct these credit report errors and improve their credit scores over time. This guide to the best credit repair companies in 2024 will help you choose the right fit.
Best credit repair companies
When choosing a credit repair company, pay close attention to the fee structure and the number of disputes included in the service. Disputes are individual interventions the company makes on your behalf. For example, if all three credit bureaus inaccurately report that you missed a payment, the credit repair company would file three disputes to correct the record across the board.
With this in mind, here are our picks for the best credit repair companies in 2024.
| Company | Best for | Bankrate Score | Start-up fee | Monthly fee |
|---|---|---|---|---|
Lexington Law | Free resources | 4.1 | None | $99.95 |
CreditRepair.com | Affordability | 3.6 | Direct: $69.95Standard: $69.95Advanced: $119.95 | Direct: $69.95Standard: $69.95Advanced: $119.95 |
Credit Saint | Simple credit repair options | 4.2 | $99–$195 | $79.99–$129.99 |
Sky Blue Credit Repair | Couples | 3.9 | None | $79–$99 |
The Credit People | Disputing many errors | 3.6 | $19 | $99–$119 |
The Credit Pros | Range of services | 4.0 | $119–$149 | $69–$149 |
Lexington Law: Best for free resources
Lexington Law: Best for free resources
Rating: 4.1 stars out of 5
4.1
Bankrate Score
Bankrate Rating = 4.1/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Overview
Lexington Law offers a straightforward approach to credit repair. With just one comprehensive package of services, there’s no guesswork related to choosing a plan.
- Affordability
- 4.4
- Customer service
- 4.3
- Expertise and effectiveness
- 4.3
- Services
- 3.6
- Maximum number of disputes
- Up to 6 per cycle depending on Credit Bureau
- Money-back guarantee
- None
Creditrepair.com: Best for affordability
Creditrepair.com: Best for affordability
Rating: 3.6 stars out of 5
3.6
Bankrate Score
Bankrate Rating = 3.6/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Overview
Creditrepair.com is a budget-friendly credit repair company with easily accessible Spanish-language assistance. It also has excellent online educational resources and offers multiple packages to help customers find the right mix of services.
- Affordability
- 4.3
- Customer service
- 3.5
- Expertise and effectiveness
- 4.1
- Services
- 2.6
- Maximum number of disputes
- Limited
- Money-back guarantee
- Not offered
Credit Saint: Best for simple credit repair options
See AlsoBest Business Credit Cards
Credit Saint: Best for simple credit repair options
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Bankrate Rating = 4.2/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Overview
Credit Saint has a reputation for excellent customer service and solid results. With many positive reviews from satisfied customers, online chat until 7:00 p.m. and a 90-day money-back guarantee, Credit Saint is a strong contender as one of the best credit repair companies.
- Affordability
- 4.3
- Customer service
- 3.5
- Expertise and effectiveness
- 4.1
- Services
- 2.6
- Maximum number of disputes
- Unlimited with the Clean Slate plan
- Money-back guarantee
- 90 days
Sky Blue Credit Repair: Best for couples
Sky Blue Credit Repair: Best for couples
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Bankrate Rating = 3.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Overview
Founded in 1989, Sky Blue is one of the most well-established credit repair companies. With so many services in the reasonably priced Full Service package, Sky Blue offers a good value for consumers.
- Affordability
- 4.2
- Customer service
- 4.1
- Expertise and effectiveness
- 3.9
- Services
- 3.5
- Maximum number of disputes
- Limited
- Money-back guarantee
- 90 days
The Credit People: Best for disputing many errors
The Credit People: Best for disputing many errors
Rating: 3.6 stars out of 5
3.6
Bankrate Score
Bankrate Rating = 3.6/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Overview
The Credit People keeps it simple, offering the key services in credit repair and skipping the bells and whistles. To ensure customers are happy with the service, The Credit People allows you to claim a refund for the prior month if you’re unsatisfied at any point in your membership.
- Affordability
- 3.5
- Customer service
- 3.6
- Expertise and effectiveness
- 3.9
- Services
- 3.3
- Maximum number of disputes
- Unlimited with the Prosperity and Success Plus plans
- Money-back Guarantee
- Refund of your prior month’s payment at any time
The Credit Pros: Best for range of services
The Credit Pros: Best for range of services
Rating: 4 stars out of 5
4
Bankrate Score
Bankrate Rating = 4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Overview
The Credit Pros offers unique services, including dark web monitoring, letters of reference and even a $5,000 credit builder loan, depending on the package of services you choose.
- Affordability
- 3.3
- Customer service
- 4.4
- Expertise and effectiveness
- 3.8
- Services
- 4.5
- Maximum number of disputes
- Unlimited with the Clean Slate plan
- Money-back guarantee
- 90 days
Methodology
To evaluate the best credit repair companies, the Bankrate team evaluated
- Affordability: We looked at the overall affordability of the company, including start-up fees, late fees and monthly fees.
- Customer service: To evaluate customer service, we considered factors such as customer service hours, the number of support channels, the prevalence of disclaimers and the number of states available.
- Expertise and effectiveness: Companies were scored based on factors including number of years in the business, customer ratings, the average score improvement and if the company has experienced legal issues in the past.
- Services: Credit repair companies were evaluated based on the number and types of services offered. We look at whether companies offer services such as identity theft monitoring, the number of disputes per month, credit score monitoring, education and debt trackers to evaluate how each company's services compare.
What is credit repair?
Credit repair is a service intended to help consumers correct inaccurate or misleading information on their credit reports. Removing inaccurate information may increase your credit score.
How can you avoid credit repair scams?
While credit repair is a legitimate service, some scammers try to take advantage of those in need of credit repair. To protect yourself from credit repair scams:
- Don’t respond to unsolicited offers.
- Read reviews from real customers.
- Don’t work with anyone who recommends disputing accurate information.
Is it possible to do credit repair yourself?
If you have time to contact the credit bureaus and your creditors, you might choose to repair your credit on your own. You can contact the credit bureaus yourself to dispute inaccurate information. It's also a good idea to contact your creditors/debt collectors to negotiate repayment plans that may help protect or improve your credit.
