If you’re moving and are trying to secure a mortgage, or just need to improve your credit score and are looking for professional credit repair help, the best credit repair companies listed below represent the very best services you can choose from.
It’s important to remember the cost of repair your credit it’s minimal compared to the cost of living with bad credit. A poor credit score will result in higher interest rates, being denied for loans and credit card applications, and potentially even getting approved for an apartment or car loan.
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At A Glance: Our Top 6 Picks for Credit Repair Companies
With the many credit repair scams operating you may find yourself asking the question “Is there a legitimate credit repair company?” and the answer is yes! We’ve done the hard work for you and have weeded out the scams from legitimate credit repair services.
At the bottom of the page, we explain our ranking criteria and the methodology applied along with useful tips on how to go about choosing a credit repair company.
Our top credit score improvement company is Credit Saint who offers a robust 90-day money-back guarantee and they hold an excellent A+ rating from the BBB. They were praised by Forbe’s for their transparent pricing and excellent customer service. If you’re looking for a company you can trust to get the job done then Credit Saint is the best credit repair agency for you.
Credit Saint is a company that focuses on transparency. There are a variety of credit plans at your disposal, and best of all, they work in 45-day cycles, meaning that you can receive reports from each credit bureau at the end of each cycle.
What also should be taken into consideration is the 90-day money-back guarantee.
Pros
Incredible transparency
Variety of credit plans to fit any kind of budget
Each credit cycle is 45 days
90-day money-back guarantee
Incredible Transparency
Credit Saint makes policy information clear enough so that customers can make the decision as to whether the company is right for them. All details, including what is covered and the price of each plan, of Credit Saint’s three repair plans, are laid out in the open. They were also the top-recommended credit repair service by CreditRepairExpert for 2022 too.
Variety of Credit Plans to Fit Any Kind of Budget
As mentioned above, Credit Saint offers a few plans that are suited for each budget, so you can avoid having too heavy of a dent in your wallet. Furthermore, you won’t have to pay an initial fee to have your credit report pulled.
The monthly fees are also more affordable, beginning at just $49.99 per month.
Each Credit Cycle is 45 Days
You’ll be able to pull reports every 45 days for each credit bureau, meaning that you’ll be able to keep a closer eye on any changes, both positive and negative.
90-Day Money-Back Guarantee
If you’re unhappy with the service, you can also take advantage of the 90-day money-back guarantee – a feature not exactly express.
Cons
Limited availability
Limited Availability
The second major con relates to limited availability. If you live outside of South Carolina, this is not a huge issue, but residents of South Carolina are unable to access Credit Saint’s services.
The bottom line with Credit Saint is, for all that it does, that it is one of the most transparent credit repair companies and features a lot of unique incentives, including a 90-day money-back guarantee.
Sky Blue Credit Repair is one of our top recommended credit repair agencies that provides a comprehensive credit repair solution. Established in 1989, they are equipped with a myriad of services, including fully-managed credit bureau disputes, personalized FICO score improvement advice, credit rebuilding help, package discounts, and more! Even better is that they have experienced staff that aims for the satisfaction of the customer.
Pro
A+ BBB rating
Well-trained Staff
Package discounts
The simple credit dispute process
Strong cancellation and refund policies
Excellent online reviews
Top-notch credit repair suggestions
90-day money-back guarantee
Trained Staff
Staff members strive for transparency when connecting with clients. Not only are the credit repair specialists professionally manage each client’s credit disputes, but they will do so with realistic outcomes and expectations.
Package Discounts
Want to save money? Well, you can with Sky Blue Credit Repair, as there are discount services for those who qualify. For instance, couples who want to join can earn a discount.
Simple Credit Dispute Process
Sky Blue Credit Repair can dispute up to 15 items, though they can only dispute up to five items every 35 days. To undergo the dispute process is simple – in fact, it only requires three steps.
Furthermore, credit specialists will challenge the negative items with all three credit bureaus. If the action proves unsuccessful, they will send customized re-disputes, so that you’ll have a higher chance of having the negative item removed.
Strong Cancellation and Refund Features
You can cancel at any time without any additional charges. Furthermore, they make cancellation simple: you can either cancel by phone or by using the Sky Blue Portal. As the cherry on top, the company offers a 90-day money-back guarantee for everyone.
Top-Notch Credit Repair Suggestions
Specialists will not only review issues on your credit report, but they will also highlight potential items that are negatively affecting your credit rating. Sky Blue Credit Repair will also offer personalized recommendations to rebuild and optimize your credit score. Not only that, but these specialists will take the time to attempt to remove negative items on your credit report, all within a short period of time.
Cons
Pricing Structure
The Package Options
Pricing Structure
When it comes to the pricing structure, clients will be forced to make monthly payments instead of pay for each deletion – a structure many credit repair companies do not follow. There is also a setup fee that they charge of $79.
The Package Options
Package options are rather limited. Package options differences are limited to pricing between individuals and couples. There is a greater variety of plans out there.
Sky Blue Credit is a no-nonsense credit repair company that simplifies the credit restoration process. While the pricing structure may be cause for concern, specialists are transparent and will strive to help remove the negative items from your credit report.
The Credit Pros are a newer company, having only existed for around a decade. However, it is one of the fastest-growing companies in America (according to Inc. Magazine). Their staff contains FICO professionals who pore over the negative, inaccurate items on a credit score and remove those items.
What makes The Credit Pros most appealing is the fact that the company offers some services at no additional cost. Examples of these services are ID theft restoration and insurance as well as cease and desist letters sent to collections agencies.
Pros
24/7 access
90-day money-back guarantee
Licensed, in-house professionals
Clear, detailed payment options
Family member discounts
Military discount
Fixed income discount
24/7 Access
You can access The Credit Pros’ online client portal at all hours of the day, seven days a week. Not only will you have access to the online client portal whenever you’d like, but you can also contact a case manager 24/7, so you’ll be able to see results at any time of the day.
90-Day Money-Back Guarantee
There are few companies that offer a 90-day money-back guarantee. It just so happens that The Credit Pros is one of them, so if you do not see any improvement whatsoever (though it depends on the severity of the impact, the removal process, etc.), then you can have your money returned to you. Furthermore, you can cancel services at any time.
Licensed, In-House Professionals
You’ll be able to connect with licensed attorneys, who will provide specialized advice and services to you. In fact, the president of the company is a certified FICO professional. So not only will you have strong expertise at your side but you’ll also be educated on credit scores.
Clear, Detailed Payment Options
The payment options are made clear to you. In fact, there are three different plans to choose from, all laid out for you on The Credit Pros’ website.
Cons
It is a young company
It Is a Young Company
Being only around a decade since its opening, The Credit Pros are a newer company compared to many of its competitors. With that being said, the company knows how to take advantage of the current climate.
The Credit Pros is certainly a company to use if you can afford them. All staff are licensed professionals, there is a 90-day money-back guarantee, and agents can not only provide ample credit repair advice, but they will strive to scrub those erroneous black marks from your record.
Pyramid Credit Repair has only been around since 2010, but it has grown considerably, aiding many clients with credit repair services. While its HQ is in Delaware, there are several branches in the following states: the sales team is in Texas, the legal team is in New York, and the customer support is in California.
Pyramid Credit offers a free consultation, speedy results, detailed change reports via phone call with your case manager, and more.
Pros
90-day money-back guarantee and no cancellation fees
Fast credit repair
Varied removable items
Personalized service
90-Day Money-Back Guarantee and No Cancellation Fees
That’s right, Pyramid Credit offers a full, 90-day money-back guarantee in the case that you’re unhappy with the service. This is a lengthy guarantee limit compared to the guarantees presented by many of its competitors.
Fast Credit Repair
While some clients’ reports may be more difficult to rectify than others, Pyramid Credit Repair is typically able to show the fruits of their labor between four and six weeks of service.
Varied Removable Items
There are a wide variety of items that Pyramid Credit Repair will take care of for you, including but not limited to:
Liens
Charge-offs
Late Payments
Collections
Bankruptcies
Possessions
Identity fraud
Foreclosures
Personalized Service
Case managers have up to 30 clients each so that you’ll be able to receive personalized service. In other words, you won’t feel like a number with Pyramid Credit Repair. You’ll also be able to contact them outside of business hours, should you have any major issues.
Cons
Higher-than-average fees
Limited to monthly plans
No registration with the Better Business Bureau
Higher-Than-Average Fees
Unfortunately, Pyramid Credit Repair charges more compared to the average competitor. While the initial investment is free, the monthly fee is still plenty pricey – around $100 monthly for individuals and close to $200 monthly for couples. However, one silver lining is that the first month is offered at a 50 percent discount, but it is only limited to the “couples” option.
Limited to Monthly Plans
Unfortunately, you cannot pay per deletion with Pyramid Credit Repair. Your only option is a monthly fee, either as an individual or as part of a couple.
No Registration with the Better Business Bureau
What is concerning is that, and it is potentially due to its age, is that Pyramid Credit Repair is, at the time of this writing, not registered with the Better Business Bureau, where we would receive a more accurate reflection of its overall rating.
Overall, Pyramid Credit Repair, while more expensive compared to its competitors, is willing to do whatever it takes to help you clear your negative credit report errors and clear your mind. Not only does it offer a 90-day money-back guarantee, but its agents are swift, effective, and attentive to your needs.
The Credit People is relatively younger compared to other credit repair companies, but it has managed to assist over 100,000 people since its debut in 2001. Like other credit repair companies, they hire professional, highly-trained specialists, who inspect credit reports from all three credit bureaus and sniff out any errors. From there, they will file disputes for you, so that you’ll have the negative item erased from the report.
What is interesting is that they pull your initial credit report at no charge, a rarity in this industry. Furthermore, they are speedy, getting to work in as little as 48 hours.
Pros
The first work fee is cheap
60-day money-back guarantee
Real-time updates
Professional managers
Removable items are vast in number
First Work Fee Is Cheap: the first work fee is only $19 – a very small fee compared to other competitors, who may charge between roughly $60 and $195.
60-Day Money-Back Guarantee
While the Money-Back Guarantee is available for a shorter timeframe compared to the other credit repair companies, The Credit People is confident that you’ll see improvements between 45 and 60 days.
Real-Time Updates
Thanks to a mobile app and customizable text alerts, you’ll be able to view any repair updates and progress in real-time. However, you’ll only be able to see your updated credit scores every 90 days and your updated credit report every 30 days.
Professional Managers
The team has processed over 310,000 unique credit reports. Not only that, but they are certified and bear mastery in various credit repair laws, such as the Fair Credit Reporting Act. The team also undergoes ongoing training, so that members will remain up-to-date on credit reporting practices and laws.
Removable Items are Vast in Number
That’s right – The Credit People will help you remove erroneous items that fall under bankruptcy, debt validation, paid collections, hard inquiries, student loans, repossessions, and more. Furthermore, you’ll have access to unlimited disputes.
Cons
The Credit People Is a Younger Company
They Charge Monthly
The Credit People Is a Younger Company
Overall, The Credit People hasn’t been in the industry for very long. The company was established only in 2001, making the company 17 years old. While 17 years is a while to establish close connections and loyalty, there are older companies with a loyal following.
They Charge Monthly
Unlike a lot of credit repair companies, The Credit People only provides one monthly payment option and does not charge for each deletion.
Overall, The Credit People are known to provide quality repair services at an affordable price, though the monthly fee may be a little bit a dissuader.
Pinnacle is said to be the fastest and most thorough in the credit repair industry because of their exclusive methodology in repairing credit reports.
They use a unique system called A.C.A.T (Automatic Credit Analytic Technologies) which in simplist terms is artificial intelligence using pre-litigation strategies based on what the system predicts will work best for you instead traditional dispute methods.
Their credit repair program ensures results within the first 14 days with statistics showing an average 80% removal rate for most of their clients within 1-3 months of working with with them.
How to Determine Your Credit Score: 5 Credit Score Factors
Five critical factors that go into calculating your credit scores, such as your debt levels, payment history, age of your accounts, the types of credit that you have outstanding and the number of inquiries against your credit score. Keeping all of these factors in balance is critical to maintaining and improving your overall credit score.
Payment History
The most important factor in determining your credit score is your overall payment history. Making up 35% of your total FICO score, payment history takes into account how many times you’ve paid your bills late, and exactly how late they were paid. What’s interesting to note is that certain types of late payments have a heavier impact than others; for instance, paying your mortgage late is a huge red flag and can drop your credit score by double digits if you’re more than 30 days late and make it extremely difficult for you to refinance your home.
Amounts You Owe
Of course, it makes sense that owing a great deal of money to a wide variety of organizations might make it a little tough to get additional credit, which is why this criterion makes up 30% of your credit score. Maintaining a high balance on your credit cards and your overall credit utilization (the amount of credit you’re using as a percentage of how much credit you have overall) is also a deciding factor that goes into this calculation. In general, the best credit repair services look for ways to discharge–or get rid of–bad debt that hits your credit report and consolidates payments to make it easier to pay them off.
Credit History Length
College students or individuals just out of high school and just starting out in the world will not have had as much time to build up a positive credit rating as others. Since this factor could swing either way, it is weighted at only 15% of your overall credit rating. Having a short credit history doesn’t necessarily mean that your credit will be poor, but it could make it more difficult to make major purchases since you haven’t had time to build up a positive credit rating.
New Accounts Opened
Every time you open a new credit account, that fact is reported to the credit bureaus and they consider it when calculating your overall FICO score. Why is this important? For instance, if you were to open a number of accounts at the same time and then run up huge bills–you might have more difficulty paying for them than if you were starting out more slowly. Our list of best credit repair companies can help counsel you on removing some of the older credit requests. However, this factor is only around 10% of your overall credit score.
Types of Credit
There are several types of credit that you should know about: installment loans, revolving credit (credit cards), mortgages, and store accounts. Each type of credit that you have points toward credit maturity – or the ability to safely utilize the monies that you have available. This final factor is also weighted at around 10% of your overall FICO score.
Learn more about the 5 different parts of your FICO score online at MyFICO.com.
5 Benefits of Hiring a Credit Repair Agency: Are They Really Worth The Cost?
Not all consumers realize that your credit score is actually a compilation of three different scores from the major credit reporting agencies Equifax, Experian, and TransUnion. This combined FICO score helps organizations determine your risk for becoming seriously delinquent – or not paying – your debt over the next 24 months. Here are some of the benefits you’ll reap from an excellent credit rating:
Reduced insurance rates
Lower cost of capital for personal loans
Improved interest rate offers from credit card companies
Utility companies such as gas, water, and electricity may waive connection fees or deposits
Waived deposits on rental units such as boats, RVs and apartments
Free or reduced-rate mobile devices
Why do you receive all these benefits by improving your credit rating? The best credit repair companies can help you understand how this works: when you lower the risk that you’re going to default on payments, organizations are more willing to accept you with the understanding that you’ll be a long-term (and profitable!) customer.
Companies don’t benefit when they have to repossess your expensive new iPhone or Corvette–they benefit when you continue to pay your bills fully and on time. They’re willing to provide you with a smaller benefit upfront (reduced or no deposit) when they have a high comfort level that you’ll continue paying your bills (good credit rating). The optimum way to repair your credit is by working with a trusted agency and continuing to pay your bills on time.
Why it Pays to Repair Your Credit
I get it. You’re thinking “Why should I go to the time, effort and energy of repairing my credit? Who really cares about this seemingly arbitrary number?”. Unfortunately, the answer to that question is “Nearly everyone”. Your credit rating follows you throughout life and impacts important questions such as:
Whether or not you can get approved for a primary or secondary mortgage
Interest rates on major purchases such as homes, boats, and vehicles
Whether or not you get that important promotion at work
The interest rate that credit card companies charge you for funds
How high your car insurance premiums are
What Exactly is “credit repair” and “credit restoration”?
At this stage, you may be asking yourself the question “How does credit repair work“?. Credit repair is the active process of taking actionable steps to repair and improve your credit score. Everyone faces different credit report issues and will, therefore, require a uniquely tailored approach to repairing their credit rating. Some will require collections to be removed, whilst others may only have small errors that need correcting.
It’s worthwhile keeping in mind that you may also require credit counseling too in order to modify behaviors that are not conducive to looking after your credit. You may need to avoid late payments and it may well be worthwhile applying for a credit card in order to build your score up if you don’t have one already.
What Do Credit Repair Companies Actually Do? Do Credit Repair Companies Really Work?
If you’re wondering if it is worth paying someone to fix your credit then it’s important to talk about the steps that go into actually rebuilding your credit. Unfortunately, waving a magic wand and uttering “Abracadabra” will not result in an immediate fix, and repairing your credit can often be a time-consuming and confusing process. Before we launch into why these are some of the best credit repair services available, we’ve selected these specific organizations as examples of the ultimate way to improve credit safely and efficiently because they excel at these core competencies, they’re genuine credit repair experts:
Trust Ratings from Recognized Leaders
While the Better Business Bureau (BBB) rating system is considered by many to be the gold standard in trust ratings, there are other organizations whose stamp of approval provides validation such as industry publications like Inc. and Business Insider.
Actionable Results
Knowing that your credit repair specialist will be able to provide you with specific results such as reducing the number of bad debts on your ratings and more gives you peace of mind.
Clear, Consistent Pricing
Don’t trust organizations whose website is unclear about their pricing model. You need to know upfront what the costs associated with starting a repair of your credit score.
Easy Access to Support
When you’re dealing with something as important as your personal credit rating, you need to know that you can quickly get the support that you need and deserve either on the phone or via email.
Free Consultations
Understanding the perfect way to repair your credit is not generally something that you can scan through once on a website and fully understand. The best credit repair companies are willing to provide you with a free consultation to make sure the service is a good fit for your particular needs.
While many organizations are available that can help you move towards an acceptable credit score, the best credit repair companies will never ask you to do anything that is illegal or unethical. If you’re requested to obtain false information from the Internal Revenue Service or use an invalid Social Security number, that’s a pretty good indication that you’ve chosen the wrong credit repair company! Immediately report any credit repair specialist who asks you to falsify information by contacting the FTC.
Fortunately, we discovered that not all credit repair services are bad. Some of these organizations are entirely legitimate and offer a valuable service to consumers who are simply having a rough time and need help.
How Much Does Credit Repair Typically Cost?
Credit repair costs can vary significantly. Whilst you can repair your own credit you need to weigh this up against the learning curve and how much free time you have to dedicate to the process. The DIY credit repair cost is free – other than your time of course. You can obtain a free copy of your credit report from AnnualCreditReport.com (a legal right) and then you can carry out the exact same work with a credit repair company will undertake.
The costs of professional credit repair services generally range from around $70 to $130. They all have a very distinct pricing structure though and this is something you need to pay attention to and be aware of when comparing services. The majority also charge for setup fees and these can be more than the monthly cost too.
How Long Does It Take To Repair Credit?
Good credit is necessary when you want to apply for things such as loans, credit cards, auto loans and mortgages. If you are planning to make a big purchase soon, you may want to check your credit score and see if it needs a little help. Many people in this situation might be wondering how long it takes to repair credit.
There is no single answer to that question, unfortunately. Many factors will determine how long until you get your score to go up high enough to obtain a good rate on a loan. The severity of your credit history will affect how long it will take to rebuild your score. For some, it could simply take a few months. For others, it may take many years of hard work and commitment.
Hiring a Credit Repair Agency VS Doing It Yourself (DIY)
You may be wondering if it is worth paying while some people may try to improve their credit reports themselves, others will want to hire the help of a credit repair agency. There are benefits to working with a professional over trying to improve your score on your own. With the help of a professional, you are gaining years of experience in the industry. They will be able to get you better results than you can often get yourself. When you try to repair your credit alone, you will have to go through a lot of trials and errors before you get any results.
Of course, there are some fees associated with working with a professional credit repair service. However, the benefits you will gain down the road from better credit will far outweigh them. Some people will find success when they do credit repair themselves, but it can be a lot of work and you may not have the time or knowledge to get anything accomplished.
The credit bureaus are in no rush to remove any negative pieces of information from your reports. If you try and take care of it yourself, you may be met with a “no” right away. Legitimate credit repair companies understand your rights and how to respond to them in order to get positive results.
How Long Negative Information Stays On Credit Reports
All types of negative information can remain on your credit report for many years. Generally, negative payment information such as late payments and collections will stay for seven years. If you file for Chapter 7 bankruptcy, it can stay on your report for up to 10 years. Thankfully, the effect negative information has on your credit score will diminish slowly over the years. Serious delinquencies, on the other hand, can be harder to recover from than missing payments.
How To Repair Credit
There are many ways to go about repairing your credit score. The most important factor lenders use to determine whether to approve your loans and credit cards is your payment history. If you can, pay off any outstanding debts and don’t allow any payments to go past due.
Your utilization rate is another important factor for your credit score. The utilization rate is determined by adding up all of your credit balances and dividing it by the limits on all of your loans. The lower the utilization rate you keep, the more positive impact it will have on your credit scores and report.
What Can a Credit Repair Company Not Do?
When you are struggling to keep your credit from getting worse, you may be tempted by some promises credit repair companies try to make you. However, it is important to keep yourself safe from greedy companies that don’t have your best interests in mind. They often promise clients a quick solution to their credit issues.
Many credit repair companies have worked hard to develop practices to target people in their time of need. Oftentimes, these marketing strategies include misleading and confusing messages that will aim to take advantage of your need to get your life back on track financially.
Credit repair agencies offer to improve your credit by contacting your lenders and the credit reporting agencies for you to help get items removed that are hindering your score. The fees many of these companies charge are very high, and negative information cannot be removed from your reports unless they are mistakes. True and accurate information contained in your reports will have to remain until they time out. In other words, you will be paying an agency for no results.
How To Avoid Credit Repair Scams?
The unfortunate reality is that even in 2020 there are many credit repair scams still operation by fly-by-night operators. These companies will promise you the earth and here the old adage “If it sounds too good to be true, it probably is” certainly applies. However, the government as clamped down on these rogue operators through enacting laws including The Credit Repair Organizations Act to regulate how these companies and protect consumers from these scams.
Your Rights When Working With A Credit Repair Company
Many vulnerable consumers do not understand there are protections set in place and laws to govern how credit repair companies perform their services. If you are considering the help of a credit repair agency, there are some red flags to keep an eye out for. These red flags include:
1. Demand For Upfront Payments
Never trust a credit repair company that wants you to pay upfront before they offer any services. They are not allowed to ask for payment until they have completed the services they promised. Some companies may try to structure monthly payment plans to try and avoid this law. No payments up front are legal.
2. Too Good To Be True
Never trust a company that makes promises that sound too good to be true. If they say that they can get rid of all of your negative marks quickly, they are not telling the truth. Credit repair is a long process and no promises should be explicitly made. No company can guarantee specific results.
3. Cannot Answer Questions
If a representative of a credit repair company can’t answer specific questions about their services or give you an accurate estimate of costs, you may not be dealing with a reputable company.
4. Misinformation
If a company doesn’t inform you upfront of your rights, or you do not receive a written contract that outlines the details of your arrangement with the company, you should steer clear. You have the right to cancel your contract with a credit repair company before three business days.
5. Asks You To Lie
Never allow a credit repair company to talk you into misrepresenting your information to improve your credit even if they are the cheapest credit repair company.
Quick Summary: What you should be aware of:
They’re not allowed to demand payment upfront prior to undertaking work and commencing their services (although they can legally charge a “setup” fee)
They’re not allowed to instruct consumers to make misleading or false statements
They’re not allowed to instruct consumers to conceal their identity in order to improve their credit score
They should not be overpromising nor guaranteeing specific results. Legitimate correct items cannot be removed from your credit report.
They’re legally required to provide you with a written contract outlining exactly the work they will be undertaking (you’re entitled to a 3 day cancellation period too)
Other credit repair organizations:
These are other services that did not make our top 5 list:
Lexington Law Firm
CreditRepair.com
Ovation Credit Repair Services
700 Credit Repair
Key Credit Repair
MSI Credit Solutions
360 Credit Consulting
Reliant Credit Repair
American Credit Repair
AMB Credit
Credit Glory
Summary
Don’t let credit problems get you down! While it may take some time to come back from a challenging credit situation, you’ll soon find that the perfect way to repair credit is to jump in there and take the plunge to work with a credit repair specialist (our #1 recommended service is Credit Saint). Find the right organization for you our my easy-to-use guides for each company. It’s important to know that credit repair agencies can only do so much–if a portion of your report is accurate, no one will be able to get it removed. Your best bet is to continue paying down your revolving credit lines and stay as current as possible on all of your bills.
Matt is a veteran of the moving industry, a recognized moving expert and is the founder of Mover Focus. Matt holds a Bachelor of Commerce (BCom) majoring in Finance and Marketing and Bachelor of Arts (BA) majoring in Economics and History. He also has completed the EiM (Essentials in International Moving) course from the FIDI Academy. His advice has been featured in Reader’s Digest, Yahoo Finance, MSN Money, Business News Daily and The SpareFoot Blog Go. Read more.
