Credit Repair Companies

Are you having trouble keeping up with your bills? Have you ever been denied credit at the store for an item you want because your score is too low? Credit repair companies help those who need a boost in their credit score. The problem is that with so many out there, it’s tricky picking the wheat from the chaff. 

Have no fear, we’ve selected the best in business that will do their best to restore your credit reputation. We will also elaborate on how we selected the best options on the market and how to choose the best service for you. Let’s dive in!


The Best Credit Repair Companies to Hire in 2022 logo

Professional Credit Repair was established in 1997 by a team of experienced attorneys specializing in FCRA violations and consumer credit. More than two decades later, the company remains one of the industry leaders, combining affordable prices, top-notch customer service, and excellent results.

  • Credit Repair
  • Credit Verification Audit
  • Credit Score Optimization
  • Credit Restoration
Ovation Logo

Ovation Credit Services

Take the First Step to Improve Your Credit

Founded by attorneys in 2004, Ovation is a premier credit repair company that has helped tens of thousands of Americans rebuild their credit scores and improve their quality of life. The company pairs unparalleled credit expertise and affordable programs with superior customer care and a no-risk refund policy.

  • Credit Repair
  • Credit Monitoring
Credit Glory Logo

Credit Glory

Fix Your Credit & Financial Future, Today!

Established in 2001, Credit Glory is an experienced credit repair company that guarantees to remove negative information in the first 90 days or issue a full refund minus their setup fee. The straightforward pricing, customer-focused approach, and fast credit repair service have earned the company positive feedback and satisfied clients.

  • Credit Repair
  • Debt Relief
  • Financial Services
  • Inquiry Removal
LexingtonLaw Logo

Lexington Law

#1 Credit Repair App

Lexington Law has been among the credit repair industry leaders since 1991. Thanks to its services, clients have seen over 70 million negative items disappear from their credit reports. This credit repair law firm brings together expertise, state-of-the-art technology, and a lawyer-powered credit repair process.

  • Credit Repair
  • Identity Theft Insurance
  • Credit Reporting and Credit Scoring
  • Credit Monitoring
  • Lost Wallet Protection
The Credit People Logo

The Credit People

Better credit, easier.

The Credit People is a veteran in the industry with over two decades of successful work. This award-winning company promises a hassle-free process, unbeatable prices, and expert-level guidance on your way to better credit. Its past clients praise it for high success rates in getting them approved for auto loans, home loans, new credit, and refinancing.

  • Credit Repair
  • Credit Reporting and Scoring
  • Identity Theft Protection
The Credit Pros Logo

The Credit Pros

INC 5000 Fastest Growing Credit Repair Services Company

Established in 2009, The Credit Pros is a financial technology firm with unparalleled credit expertise, strategies, and methods for optimizing your credit score. The company also offers an AI-powered personal credit management system and free credit monitoring to keep an eye on your score and spot potential identity theft.

  • Credit Repair
  • Credit Education
  • Debt Negotiation
  • Credit Reporting and Scoring
  • Fintech
Credit Saint Logo

Credit Saint

Founded in 2007, Credit Saint is one of the fastest-growing companies that repair credit. It takes pride in offering comprehensive credit assistance along with exceptional customer care. The company provides tailored packages with different levels of aggressiveness for different needs.

  • Credit Repair
  • Credit Monitoring Logo

Credit Doesn’t Have to be Confusing has been an industry expert helping clients elevate their credit scores since 1997. The company offers three levels to fixing bad credit: basic, moderate, and aggressive, depending on how many negative items one needs to be removed. Its team is dedicated to helping clients achieve a lifetime score improvement and create a stable financial future.

  • Credit Repair
  • Credit Scoring and Reporting
  • Credit Monitoring
  • Identity Theft Protection
Pyramid Credit Repair Logo

Pyramid Credit Repair

Introducing the Next Generation of Credit Repair.

Pyramid Credit Repair is one of the newest additions to the credit repair industry, praised for its customized approach to each client’s credit repair process. The company also offers couples plans, allowing partners to improve their scores together at a discounted price. Veterans, active duty, and teachers are also entitled to discounts.

  • Credit Repair
  • Credit Restoration
  • Debt Relief
  • Financial Tools

Selecting the Best Credit Repair Services — Our Evaluation Process

To draft our selection of the best credit repair firms, we first had to verify what makes an ideal service. Read on for all the details regarding our evaluation process.

First Phase: Verifying Compliance, Reputation, and Customer Feedback

The Fair Credit Reporting Act (FCRA) is a federal law that sets the ground rules for credit reporting agencies. It establishes that both agencies and companies must act in the consumer’s best interest, which means they are not allowed to make any false or misleading statements in their reports or about the services they offer. Credit repair companies are also required to follow specific procedures for disputing information on a credit report.

The latest FCRA amendment, which came into effect in 2015, made some significant changes, including adding provisions for identity theft victims and increasing the civil penalty amount that agencies can be charged for violating the law.

When you’re looking to hire a credit repair company, it’s essential to make sure that they are compliant with the FCRA and other relevant laws. We ensure all credit repair agencies on our list follow the procedures outlined in the law. They should also be willing to provide you with information about your rights under the law and what you can expect from them during the credit repair process.

Scammers will try their hardest to take advantage of consumers who want a better credit score. Credit repair scams are also common because most people don’t know what a good or bad credit score is, much less how to go about repairing their own scores.

After verifying reputation and removing suspicious outfits, we examined all online feedback for each credit repair service provider as part of our evaluation process. We looked through hundreds of credit repair companies reviews, blogs, forums, etc., to ensure that these are factual statements from real people in various situations. We only considered companies with overall positive feedback.

Second Phase: Evaluating the Website Experience

The second phase of our search is evaluating the overall website experience. The website is usually the start of the customer journey and poor interface design and bad user experience scare most people off immediately.

Once we vetted legitimate credit repair providers, we evaluated the websites themselves. We looked at the design, information architecture, usability, and content. Good credit repair companies have to do at least three things: get you an affordable deal for their services, provide evidence that they can deliver quality service, and maintain your privacy throughout the process.

We ensured that each credit repair agency did its best to meet all three criteria and provide ease of use compared to other websites in similar industries. We also analyzed the available information on each site to make sure it’s complete, unambiguous, and up-to-date.

Third Phase: Evaluating Their Credit Score Repair Services and Other Expertise

When looking into these services, you’ll notice that various types are available, starting with companies that simply offer to fix or remove old entries in your credit report. At the other end of the spectrum are the agencies offering full-service packages. These include everything from credit review to credit reporting, education, and monitoring. To meet the needs of all consumers, we made sure to list all types of legitimate credit repair companies.

From there, we analyzed the effectiveness of each service. We also broke down costs and assessed whether or not they were worth their price tag.

Fourth Phase: Evaluating Other Factors

After verifying companies’ reputation and expertise, we test their customer support delivery times and make a price comparison to ensure their prices meet industry standards. More on this phase below. 

Customer Support Test

The next phase of our evaluation process is looking at the customer support of each credit repair agency. We examine the different ways top credit repair companies receive and respond to complaints, issues, and other relevant information. We also look into what kind of resources they offer their clients in addition to any support channels that are available (phone, live chat, etc.). Companies with attentive, prompt, and knowledgeable customer support teams gained a spot on our list.

Time to Complete the Process

The final phase of our evaluation process is to determine how long top-rated credit repair companies take to complete their services. Legitimate credit repair can take anywhere between one to six months, depending on factors like the number of errors that need to be fixed, the nature of the disputes, and the overall state of one’s credit score. On average, the process lasts between three to six months, with customers seeing a gradual improvement in their credit scores.

Price Comparison

The last phase of our research involves comparing the credit repair cost for all the services we found viable, and it helps us narrow down those with reasonable rates from those who might be trying to take advantage of you. While credit repair expertise should be accessible to those in need, it’s essential to look beyond cheap credit repair services.

This is why one of our key metrics is looking at what percent savings they offer relative to market value along with the overall quality of their services. These factors helped us finalize our list and determine reliable companies that provide accessible credit repair expertise.

Free credit repair is possible only if you are willing to do the process yourself. People decide to reach out to these companies due to a lack of time and accessible prices. The credit repair services cost ranges between $19 and $149 per month for professional guidance on your way to building better credit, depending on the complexity of your needs.

Fifth Phase: Final Ranking

The final ranking is based on the overall score of each credit repair agent. We consider different metrics like effectiveness, transparency, resources, support channels, the time to complete the process, and price. In this last phase, we evaluate the entire experience with the companies that made it that far and assign them a spot on our list.


How to Choose the Right One Among the Best Credit Repair Companies

Knowing what you need to look out for before signing a contract will save you a lot of headaches down the road. Below are some helpful questions that will guide you through the process of selecting the best company for your needs.

1) How much does it cost?

2) Is there a membership fee? If yes, how often do I have to pay it?

3) What services do they offer? How long does each service take? Can I count on fast credit repair services?

4) Can I speak with someone directly, or am I going to be directed through an automated system all the time? Will different people handle my case or will it always be the same person?

5) Do they have a money-back guarantee if their services don’t benefit me in the long run?

6) Do they have any kind of customer support? Is there a live chat option that I can use at any time, or is it only through email?

7) What are their payment options? How secure am I when submitting my credit card information online?

8) Are they transparent about their refund policy, service details, and success rate?

9) Can I try out their credit repair services before committing to them for a certain period of time, or am I expected to sign up immediately without knowing what to expect?

10) Do they offer discounts as part of promotions or because I’m a returning client? 

Credit repair is an investment so make sure you consider these questions and the quality of the services before reaching out to any credit repair specialist.

Reputable credit repair services will offer you no-obligation consultations where they’ll go over the details of your situation, suggest the best way to repair credit, and provide answers to all these questions. They should also have excellent customer support, so they are there for you if you have any additional inquiries.

The Final Word

Credit repair is an investment in yourself that requires careful planning based on facts rather than emotions or financial restraints. Make sure you know what kind of services are offered, how long each one of them will take to complete, and their success rate.

Our best credit repair agencies can help you speed up the process and save you from unprofessional vendors and credit repair scams. We hope our list will complete your search for the best credit repair company.

Credit Repair FAQs

Is credit repair legal?

Credit repair is legal in all 50 US states. That said, you should use only legit credit repair companies that follow credit repair laws and other rules related to reporting information and providing services to consumers.

Why is credit repair important?

Credit repair is important because it can help you improve your credit score, leading to lower interest rates on loans and other financial products. A higher credit score can also help you get approved for a mortgage or a car loan credit. If you have errors on your credit report, it’s important to get them corrected as soon as possible because the state of your score affects the entire quality of your life. 

How does credit repair work

Credit repair companies promise to help you remove negative items from your score by disputing the information with the reporting agencies. The credit bureau has 30 days to investigate and verify the data after receiving the dispute and five days to report the results. The credit bureau can choose not to investigate your dispute if it labels it as “frivolous,” but it’s legally obligated to communicate the decision within five days. The top credit repair agencies have specialists who know how the credit bureaus work and what needs to be done for them to accept a dispute.

How long does it take to repair credit?

The process varies depending on the damage done. If you’ve never had any issues with your financial record, you will be able to remove negative items within several months of constant monitoring and submitting disputes, possibly opting to hire a credit monitoring company. However, companies that repair credit suggest you need at least six months if there are multiple negative items on your report. The process can take up to several years if your credit history has serious problems since some of them can only be corrected by waiting for a specific period after the actual delinquency occurred or by paying off a collection account.

Note that you shouldn’t expect to remove all negative items in one go but rather improve your credit report progressively. That said, you won’t have to wait for everything to be removed before you can improve the situation further.

Are credit repair companies worth it?

These companies have years of experience in communicating with credit reporting agencies. These professionals can be helpful in fixing the mistakes on your credit report and removing any negative items. Most of these services have affordable rates and a money-back guarantee, meaning that you’ll receive a refund if they fail to remove negative items from your score. Before you sign up with a credit repair service, it’s important to do your research and understand what they can and cannot do for you. 

Are credit repair companies scams?

Some companies may be scams, while others are legitimate. We did extensive research to verify the compliance, reputation, and work standards of every company on our list and can confirm they are reputable, legitimate businesses. If you decide to work with a credit repair company, be sure to read the contract carefully and understand what services they will provide and what fees you will be charged. Be sure to get everything in writing, and don’t sign anything until you understand the terms. Don’t hesitate to contact the credit repair companies directly and look for honest credit repair reviews and BBB complaints to clear your doubts.