7 Best Credit Repair Companies of August 2022

Credit report mistakes are much more common than you might think. And, while you can remove inaccurate information from your credit report yourself, the process is often frustrating and time consuming.

Credit repair companies can make this process easier by doing the heavy lifting for you — obtaining your reports, finding inaccuracies and disputing any mistakes directly with creditors and the major credit bureaus.

So, if you’re ready to leave bad credit behind, read on for Money’s guide to the best credit repair services of August 2022.

Our Top Picks for Best Credit Repair Companies

  • Credit Saint – Best Overall
  • Lexington Law – Credit Repair Industry Leader
  • Sky Blue Credit – Best Value
  • The Credit People – Best Guarantee
  • Ovation Credit Repair – Best for Discounts
  • The Credit Pros – Best Bonus Features
  • Credit Versio – Best for DIY Credit Repair

Best Credit Repair Reviews

Monthly fee: $79.99 – $119.99 Set-up fee: $99 – $195

Why we chose this company: We picked Credit Saint as our Best Overall because of its clear pricing policies and an array of affordable and comprehensive package options.

The packages — which range from $79.99 to $119.99 — differ in how many claims they’ll dispute a month, from five claims with the basic “Credit Polish” plan to an unlimited amount with the premium “Clean Slate” plan.

Credit Saint offers a free consultation to evaluate your particular situation and identify the next steps you should take. Once you sign up with them, the company assigns an advisory team to your case and schedules calls to keep you informed.

Credit Saint also provides a credit score analysis and gives you access to a credit score tracker to monitor your progress. Some plans include Experian credit monitoring as well.. Additionally, the company offers a 90-day money-back guarantee if you don’t see any changes in your credit history after three months.

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

Credit Polish $79.99 p/m Credit Remodel $99.99 p/m Clean Slate $119.99 p/m $99 one-time initial work fee $99 one-time initial work fee $195 initial work fee Dispute up to 5 items per monthly cycle Dispute up to 10 items per month Unlimited monthly disputes Goodwill intervention letters to creditors Experian monitoring Experian monitoring Goodwill intervention letters to creditors Goodwill intervention letters to creditors Escalated information requests Escalated information requests

Monthly Fee: $95.95 – $139.95 Set-up fee: $95.95 – $129.95

Why we chose this company: Lexington Law is our pick for Industry Leader due to its more than 17 years of experience and almost nationwide availability (every state except Oregon).

Because it’s a law firm and its staff is mostly attorneys and paralegals, the company is said to explore every legal avenue to correct inaccuracies in your credit report. Its account reps — often paralegals — offer personalized support over extended hours, seven days a week.

The company offers three service packages ranging from $95.85 to $139.95 per month, each including credit disputes and creditor interventions — such as debt validation and goodwill letters. Its mid- and high-tier plans include additional perks like a personal finance manager, identity theft insurance and/or a Transunion FICO score tracker.

If you want to track your credit progress, Lexington has a highly ranked mobile app where users have 24/7 access to their credit score analysis, personalized counseling plan and dispute updates.

However, Lexington has also had its share of legal problems. It’s the subject of several lawsuits, including legal action filed by the Consumer Financial Protection Bureau in 2019, which alleges that the company used unfair telemarketing practices to recruit customers. The company claims that the practices were actually carried out by third parties they contracted.

Despite this, Lexington Law remains a powerful player in the industry and offers the advantage of having an experienced law firm handling your case.

It offers the following credit repair packages:

Concord Standard $95.95 p/m Concord Premier $119.95 p/m Premier Plus $139.95 p/m Bureau challenges Bureau challenges Bureau challenges Creditor interventions Creditor interventions Creditor interventions InquiryAssist InquiryAssist Score analysis Score analysis ReportWatch ReportWatch TransUnion alerts TransUnion alerts Cease & desist letters FICO score tracker Identity theft protection Personal finance tools

Monthly fee: $79 for individuals, $119 for couples Set-up fee: $79

Why we chose this company: Sky Blue Credit Repair offers a single, low-cost credit-repair package that includes just about everything you need to clean up your credit report quickly.

For $79 a month, Sky Blue provides a detailed analysis of your credit report and draws up customized dispute letters. Its set-up fee is also relatively low (also $79), while other companies charge around $100 or more.

Beyond disputing credit-report errors, Sky Blue gives credit-rebuilding advice. Experts can provide assistance on the financial steps you can take to improve your credit score, such as opening a new credit card or managing your outstanding balances. You can also schedule consultations if you have questions about anything credit-related, like card credit offers or loan applications.

It’s worth noting that Sky Blue Credit Repair offers one of the most flexible subscriptions on the market and a 90-day money-back guarantee.

Several credit repair agencies offer a 90-day money-back guarantee which promises to refund your money if they don’t remove any negative items from your credit report during that time. Sky Blue Credit Repair also offers a 90-day refund policy. However, it goes one step further letting you pause and resume your membership whenever you like, a feature not available with most other companies.

If you want to skip a month of service without canceling your subscription, you can request a pause online. You won’t be charged monthly payments while your account is paused, and you can resume the subscription when needed. This could save you some money on startup fees, which most credit repair companies charge whenever you start using services.

Sky Blue is no longer registered with the Better Business Bureau (companies have to pay annual fees to stay accredited). However, when it was registered, it boasted an A+ rating and consumer comments were largely positive.

Its credit repair plans include:

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

Monthly fee: $79 or $419 six-month flat rate Set-up fee: $19

Why we chose this company: The Credit People offers both low startup fees and lets customers cancel their subscription when they need to.

Most credit repair companies offer a 90-day money-back guarantee. Others only refund you for the last month of service. The Credit People, on the other hand, lets you cancel your subscription whenever you want and refunds both the last and previous month’s payment.

The company’s low startup fees set it apart from competitors. While other credit repair services charge around $79 or more to set up your account and pull your credit report, The Credit People only charges $19. After your account is ready, you can either pay $79 a month until you get the result you want or pay a flat fee of $419 for a six-month plan.

The Credit People’s interface is also a plus — you can monitor updates to your credit report or score from all three credit bureaus from their easy-to-use online dashboard. It also lets you track open disputes and connect to customer service if you have any questions.

The two memberships offered by The Credit People include the following credit repair services:

The Credit People Membership $79 p/m ($119 for couples) $19 initial fee $419 flat-rate pricing for a six month membership ($69.83 p/m) 6-month satisfaction guarantee with flat-rate membership Credit reports and credit score Credit rebuilding counseling Action plan focused on raising your credit score Unlimited disputes

Monthly fee: $79 – $109 Set-up fee: $89

Why we chose this company: Ovation Credit Repair offers multiple discounts, from a 20% discount for couples to a $50 credit if you refer a friend.

Ovation Credit Repair, also known as Ovation Credit Services, stands out when it comes to discounts. It offers a 20% discount for couples and a 10% discount for seniors and military members. It also provides a one-time credit of up to $50 if you switch from another credit repair agency or refer a friend.

The company offers two credit repair options: the Essential and Essential Plus. With the Essential plan, a case advisor will guide you through the dispute process and advise you on improving your overall credit situation. You’ll also get access to financial tools for budgeting and building a debt repayment plan.

The Essential Plus plan offers additional benefits like Transunion credit report monitoring and unlimited debt validation letters, which ask collectors to verify the accuracy of reported debt. This is an important step because if a collector doesn’t have enough documentation to prove the account in question belongs to you, the bureaus might remove it from your report.

Essentials Plan – $79 p/m Essentials Plus Plan – $109 p/m $89 one-time initial work fee / $79 monthly fee $89 one-time initial work fee / $109 monthly fee Free consultation with a credit expert Free consultation with a credit expert Personalized credit dispute options Personalized credit dispute options A case advisor that will oversee the process from start to finish A case advisor that will oversee the process from start to finish Personalized dispute options Unlimited dispute and goodwill letters to creditors Personal case advisor TransUnion credit monitoring Financial Management Tools Official Ovation recommendation letter for future potential lenders

Monthly fee: $69 – $149 Set-up fee: $119 – $149

Why we chose this company: While many credit repair companies offer extra perks only with premium plans, The Credit Pros offers useful financial management tools even with its least expensive package.

The most affordable package (Money Management) includes tools like bill reminders and a budgeting system that syncs to your credit accounts in real-time, in addition to credit and identity theft monitoring services.

The Credit Pros will provide Transunion credit score updates and a full credit report every 60 days. It’ll also track your personal information (like your Social Security number and address) to see if it’s found on the dark web or was used to take out a payday loan, for example.

However, one drawback of the Money Management plan is that it’ll address only one inaccurate item from your report per month. If you need help with several items, you’ll need to upgrade to the Prosperity and Success packages. These include the same benefits as the Money Management plan plus some additional perks.

The Prosperity Package provides access to SlashRx, a discount program for prescription medications. The Success Package does as well, but it also offers a credit line from National Credit Direct. National Credit Direct is a financing program that allows customers to purchase items such as electronics at low monthly payments. The monthly payments are reported to the credit bureaus, which may help people improve a poor credit score. Do note that the company’s items are usually more expensive when compared to other retailers.

All plans include access to The Credit Pros’ mobile app, which lets you review disputes, receive real-time updates and monitor your credit score and report.

The company’s free consultation is available in English and Spanish, something not common in the credit repair industry. However, note that its initial work fee is higher than many other competitors’ — $119 for its low and medium tier plans and $149 for its premium plan.

There are three packages to choose from:

Money Management $69 p/m Prosperity Package $119 p/m Success Package $149 p/m $119 one-time initial work fee $119 one-time initial work fee $149 one-time initial work fee One credit dispute per month Same features as the Money Management plan Same features as the Money Management plan Updated free credit reports every 60 days Unlimited number of monthly credit disputes Unlimited number of monthly credit disputes Goodwill letters Discounts on medication Discounts on medication Debt validation letter No credit line Discounts for National Credit Direct products Cease and desist letters to lenders Credit line from National Credit Direct Access to the company’s legal network Personalized action plans with certified FICO professionals Credit line from National Credit Direct

Monthly fee: $19.95 – $29.99

Why we chose this company: Credit Versio is a low-cost alternative to traditional credit repair services and simplifies the often complicated process of repairing your credit yourself.

Even though you can dispute credit inaccuracies yourself at no cost, the process can be time-consuming and stressful.

Credit repair software, Credit Versio, can help streamline this process.

The company’s software uses artificial intelligence to scan your credit reports for negative items that may be lowering your credit score. It then organizes them according to the credit bureau that reported it.

If you find a mistake and would like to dispute it, the software can generate tailored dispute letters based on your credit information and the reason you believe that item is inaccurate. All you have to do is print out the letter and mail it to the credit bureau.

Credit Versio offers three plans that include unlimited dispute letters and monthly credit reports and scores. Two plans give you access to SmartCredit’s credit monitoring platform. The most expensive plan gives you access to IdentityIQ, an identity theft protection service.

Adding these services lets Credit Versio keep track of any changes to your credit report in case you need to send out more dispute letters.

smartcredit BASIC $19.95 p/m smartcredit PREMIUM $24.95 p/m IdentityIQ $29.99 p/m Unlimited disputes Unlimited disputes Unlimited disputes Monthly 3-Bureau reports & scores Monthly 3-Bureau reports & scores Monthly 3-Bureau reports & scores Identity insurance up to $1 million Identity insurance up to $1 million Identity insurance up to $25,000 Credit monitoring alerts from TransUnion Credit monitoring alerts from TransUnion Credit monitoring alerts from TransUnion Access to Smartcredit Money Manager Access to Smartcredit Money Manager Access to monthly identity theft monitoring by IdentityIQ Two monthly Transunion Report & score Unlimited Transunion Report & score updates

Other credit repair companies we considered

We researched dozens of companies in the process of compiling our list of the top credit repair services. Some companies, however, didn’t make the cut. These are some of them:


AMB Credit Consultants

Pyramid Credit Repair

Pinnacle Credit Repair


Credit Assistance Network

Credit Glory

Credit Repair Guide

A credit repair agency may help you improve poor credit by working on your behalf to remove inaccurate or outdated information. However, many companies make false claims and lure customers into paying for services that won’t deliver results.

Read on to find out how to choose a reputable credit repair service and how the credit repair process works.

Table of Contents

  • How does credit repair work?
  • Differences between debt settlement, credit repair and credit counseling
  • How to choose the right credit repair company
  • 7 warning signs of a credit repair scam
  • DIY credit repair
  • COVID-19 and credit repair
  • Latest news

How does credit repair work?

Credit repair involves checking your credit reports for inaccurate information and disputing any mistakes by filing complaints with the credit bureaus (Experian, Equifax and TransUnion) or creditors. This is something you can do on your own at no cost. However, the process can be tedious, especially if your reports have multiple errors.

Credit repair companies check your reports for inaccuracies and contact credit bureaus and creditors on your behalf. The companies might ask you for evidence to back up the claim and then send letters challenging the negative items listed on your reports.

How do credit repair companies work?

Each credit repair company has its own way of doing things, but most of them follow a four-step process:

Free Consultation

The credit repair company will walk you through the process, pull your credit reports from all three bureaus and determine if you’d be a good candidate for credit repair. They may also offer personal finance advice to help you achieve a good credit score.

Limited power of attorney and written consent

The company’s representatives will inform you if they find mistakes in your file. They’ll then send you a written contract giving them limited power of attorney, that is, the legal right to act on your behalf.

Challenge items

Once you give them the legal authority to do so, the company disputes inaccurate items with your creditors and the major credit bureaus. Errors on your credit report can include tax liens or foreclosures that don’t belong to you, duplicate accounts, bankruptcies or outdated information.

Once they’re notified, credit reporting agencies must investigate within 30 days of receiving the dispute. Once they confirm them as errors, they’ll remove them from your credit profile.

Progress reports

The best credit repair companies will track your disputes’ progress and update you frequently on the status of each disputed item. They will usually send progress reports along with an updated copy of your credit report so you can review the changes.

There are some things to keep in mind when you’re trying to rebuild your credit history.

What you should know before hiring a credit repair company

There are some things to keep in mind when you’re trying to rebuild your credit history.

Credit repair takes time

It can take from three months to a year to see an improvement in your credit report.

Not all negative information can be removed

Late or missed payments, hard inquiries, charge-offs, repossessions and debt collections can only be removed if the information is inaccurate or outdated.

You should stay away from companies that guarantee they can remove accurate information from your report or promise you a new credit identity, for example.

For steps on how to deal with negative items that cannot be removed, read our guide on how to repair bad credit.

You have to do some of the legwork

You may have to provide credit repair agencies with documentation to support disputes of negative information on your credit report.

Most companies have setup fees

Most credit repair companies charge an initial fee (also called setup or first work fee) that can range anywhere between $15 to $200. This fee is used to set up your account, which may involve gathering your personal and financial information and creating a strategy plan for your particular credit situation.

Credit repair companies can’t charge you in advance for their services

Once you pay the setup fee (if required), companies can’t make any additional charges unless they prove that the services offered to you in their contract are being fulfilled.

Legitimate credit repair companies should include a copy of the Consumer Credit File Rights

Under the Credit Repair Organizations Act (CROA), credit repair companies must give you a written contract outlining their services before receiving any payment from you. The agencies must also give you a copy of the “Consumer Credit File Rights Under State and Federal Law,” a document that is meant to inform you of your right to order credit reports and dispute inaccurate information yourself.

You have the right to cancel any services without incurring any penalties within 3 business days

The CROA also states that you have the right to back out of a contract within three business days without any charges or cancellation fees. This is also stipulated by the Federal Trade Commission’s (FTC)’s Cooling-Off Rule.

Differences between debt settlement, credit repair and credit counseling

As we said above, there are different ways to repair your credit.

Debt settlement, credit repair and credit counseling are all in the personal finance sphere, but it’s important to note the key differences between the three methods.

Debt settlement service Credit repair service Credit counseling service For-profit service For-profit service Non-profit, but may charge a service fee Resolves your debt and makes a deal to pay it off at a reduced amount Identifies and repairs mistakes on your credit report Provides debt and money management advice, but doesn’t renegotiate overall debt Involves stopping debt payments until a settlement is reached. Communicates with creditors and reporting bureaus to get mistakes corrected and removed from your credit report Negotiates payment plans with creditors to protect you from debt collectors or late fees Will impact credit negatively for up to 7 years Improves credit by removing reporting mistakes Improves credit with debt management plans Hurts chances of getting loans or credit cards Increases the possibility of being approved for loans and credit cards Increases the possibility of being approved for loans and credit cards Best as a last resort Best for people who don’t have the time to repair their credit themselves Best if you’re having trouble making payments and need some help

If you’re interested in using a credit counselor, The National Foundation for Credit Counseling offers low-cost debt counseling, debt consolidation, and debt management plans.

How to choose the right credit repair company

When evaluating credit repair companies, you should compare the services they offer and their upfront and monthly fees. Consider how many items they dispute per month and if they offer any additional perks such as free consultations or personal finance tools. You can also gauge a company’s reputation by reading online consumer reviews and checking whether it has any lawsuits against it.

Check for Credit Repair Organizations Act (CROA) compliance

CROA establishes clear directives that legitimate credit repair agencies should follow, and it’s important to ensure the company you choose is compliant in every step of the process.

Companies must provide a written contract explaining in detail the services they will provide, how long it will take for them to get results, any guarantees they offer and the total credit repair cost for their services.

You have the right to walk away without penalty within three days of signing the contract if it doesn’t meet your requirements.

Read customer reviews

Sources like Google Reviews, the Better Business Bureau (BBB) and Yelp are useful starting points for gauging customer experience. They each have their own way of evaluating and ranking companies. for example, BBB ratings rank companies on an A-to-F grading system and Yelp offers its well-known star ratings.

These websites are helpful, but we recommend complementing what you read with further research — after all, most people post reviews when they’re unhappy with a service, not when they’re satisfied.

However, if you read multiple reviews alleging similar issues, you should certainly consider it a red flag.

In our search for the best credit restoration services, we focused on those that received mostly positive consumer feedback across multiple review websites.

Check the regulatory agencies

The credit repair industry is tightly regulated and must abide by the provisions of multiple federal laws aimed at protecting consumers.

One of the agencies overseeing the industry is the Consumer Financial Protection Bureau (CFPB), a federal organization that protects consumers from fraudulent or predatory practices by banks, lenders or any type of financial institution — including credit repair companies.

When searching for the right credit repair company for you, it’s a good idea to check the CFPB complaint database and check how many complaints — if any — have been filed against that particular provider.

Compare fees and turnaround times

Reputable credit repair companies will list their prices and services clearly, so consumers can select the right package for their needs. Turnaround time should be reasonable, and the company must keep you updated about the progress.

Look for personal finance tools

Besides their standard credit repair services, some credit repair agencies offer personal finance tools like bill reminders, budgeting software and credit monitoring. Additionally, they may offer free credit consultations, satisfaction guarantees and identity theft protection services.

7 Warning signs of a credit repair scam

The credit repair industry has had its share of controversies and scams. It’s important to recognize the red flags indicating a company or agent you’re dealing with might be engaging in some questionable practices.

DIY credit repair

Credit repair companies are helpful if you can afford the service and don’t have the time to dispute the items. However, it’s important to note that you can fix credit issues yourself and at no cost. There are also ways to improve your credit score without the help of a credit repair agency.

Under the Fair Credit Reporting Act (FRCA), you have the right to dispute any information you believe is inaccurate. Credit bureaus must investigate and delete it from your report if found to be erroneous.

To start checking for errors, you can request free credit reports from the three main credit bureaus — Equifax, Experian and TransUnion — at AnnualCreditReport.com. Once you examine your reports for any discrepancies, you can go to each bureau’s website and file an online dispute. They will investigate within 30 days and delete the negative item from your report if they confirm it’s a mistake.

They might also delete items from your report if your debtor cannot validate the debt and is unable to provide evidence that it belongs to you.

If you’re up to the task, the first step is to learn it’s important to know how to read a credit report. Once you do, check out our guide on how to remove items from your credit report.

Covid-19 and credit repair

Free credit reports

Experian, TransUnion, and Equifax are offering access to a free credit report weekly for the remainder of 2022. Take advantage of this offer and check your reports for errors — if there are any, dispute them or consider hiring a credit repair company to do it for you.

Credit reporting errors during COVID-19

If you enrolled in a deferral program during the COVID-19 pandemic, it’s important to look out for erroneous “late payments” on your credit report. Loan, mortgage or credit card payments shouldn’t be marked as late if your lender agreed to temporarily suspend them.

Contact your lender right away if you notice deferred payments are being incorrectly labeled as late on your report. If your lender doesn’t resolve the issue, contact the credit reporting agencies to begin a dispute process.

CARES Act protections

If you obtained a forbearance on a federally backed loan during the pandemic, these are some things to remember:

  • Forbearance, payment deferrals or pauses will not show up on your credit report and will not bring down your credit score.
  • Student loans are eligible for suspensions on loan payments, collections, defaults, and interest rates are set to zero until at least August 31, 2022.

Latest News on Credit Repair

  • Charge-offs (debts that creditors deem unlikely to be paid back) can severely impact your credit score, leading to higher interest rates or loan denials. Here’s a step-by-step guide on How to Remove a Charge-off from Your Credit Report.
  • It seems that your credit score can reflect much more than your financial health — read our article, Your Credit Score Can Predict When You’ll Die, Research Shows, to learn more about a possible correlation between credit scores and mortality.
  • While most collections cannot be removed from your credit report, there are some steps you could take to remove outdated or unverified information. Check out How to Remove Collections from Your Credit Report for more information.
  • Experian’s new Go program can help consumers with little or no credit history bolster their credit scores. Read No Credit, No Problem: Experian Now Lets You Build Your Own Credit Report for more on how the tool works.
  • Setting up AutoPay, using less of your available credit and signing up for credit-building programs are some steps that could help you raise your credit score. Our article, 3 Easy Ways to Increase Your Credit Score in 2022, tells you why.
  • Major credit bureaus recently announced they’ll remove some medical debt from the credit reports of millions of Americans. Read Millions of Credit Scores May Get an Automatic Boost Starting Today to learn more about the reform.
  • Fixing a bad credit history or building one from scratch can take time, but a few key steps can speed up the process. Check out our guide on How to Build Credit Fast to help you build a solid credit history faster.
  • Whether you’re shopping around for a mortgage, personal loan or a new credit card, having a solid credit score can get you lower interest rates. Here are some tips to help you increase your score and improve your financial health: 7 Steps to Improve Your Credit Score Right Now

How We Chose the Best Credit Repair Companies of 2022


The companies in our list are reputable credit repair services that have been around for more than ten years and garner mostly positive customer reviews across different platforms. We looked for any history of Federal Trade Commission (FTC) violations and searched the Consumer Financial Protection Bureau (CFPB) Database to verify any history of customer complaints or enforcement actions.

Product offering

A credit repair service assumes responsibility for writing dispute letters, communicating with lenders and credit bureaus and ensuring removal of each item. It helps if the standard service is complemented by other features. Multiple pricing options, additional financial tools, expert advice, and service guarantees helped companies stand out from the competition.

Pricing options and service guarantees

As we researched companies, we made sure that their pricing options were as varied as possible, and that their service guarantees were transparent with little to no fine print exceptions.

Summary of Money’s Best Credit Repair Companies of August 2022

  • Credit Saint – Best Overall
  • Lexington Law – Credit Repair Industry Leader
  • Sky Blue Credit – Best Value
  • The Credit People – Best Guarantee
  • Ovation Credit Repair – Best for Discounts
  • The Credit Pros – Best Bonus Features
  • Credit Versio – Best for DIY Credit Repair

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