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Top 5 Best Credit Repair Companies in 2022

Best Credit Repair Companies

Credit report errors are more common than you think. And, while you can remove misinformation from your own credit report, the process is often frustrating and time-consuming.

Credit repair companies can make this process easier by getting your reports, finding errors, and making any errors directly with creditors and major credit bureaus.

So, if you are ready to leave bad credit behind, read the Money Guide to the Best Credit Repair Companies.

Top best credit repair companies:

Top 5 Best Credit Repair Companies In 2022 8

Credit Saint

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Credit Cent is our choice for the best overall because of its clear pricing policies and a range of affordable and comprehensive package options.

Packages that range from $ 79.99 to $ 119.99 vary in the number of claims they will dispute in a month, ranging from five claims with a basic “credit polish” plan to an unlimited amount with a premium “clean slate” plan.

Credit Center offers free consultations to review your specific situation, from the three major bureaus to identify your credit scores and next steps. Once you’ve signed up with them, the company assigns an advisory team to your case and schedule calls to keep you informed.

Credit Center also gives you access to Credit Score Tracker and monitors changes in your Experimental Report. In addition, if you do not see any change in your credit history after three months, there is a 90-day money-back guarantee.

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


  • Long, proven track record
  • Online communication options
  • Attorneys and paralegals employed
  • Free credit report consultation


  • Credit monitoring is only available with a value plan.
  • Financial management tools are only available with the Premier Plus plan.
  • Legal action is pending with the CFPB.
  • There is no guarantee of satisfaction.

Lexington Law

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Top 5 Best Credit Repair Companies In 2022 9

Lexington Law is well-known in the credit repair industry, with over 17 years in business and almost nationwide availability (every state except Oregon).

Because it is a law firm and its staff consists mostly of attorneys and paralegals, it is said that the company seeks every legal way to correct errors in your credit report. Her account representatives often provide personal assistance during the extended hours, seven days a week.

The company offers three service packages ranging from $ 95.85 to $ 139.95 per month, each including goodwill letters and loan confirmation letters such as credit disputes and lender intervention. Its intermediate and advanced plans include additional benefits such as Transunion Credit Monitoring, Identity Monitoring, and / or FICO Score Tracker.

If you want to track your credit progress, Lexington has a state-of-the-art mobile app where users have 24/7 access to their credit score analysis, personal counseling plans, and conflict updates.

However, Lexington is also facing legal issues. It is the subject of numerous lawsuits, including one filed in 2019 by the Consumer Financial Protection Bureau alleging that the company used unfair telemarketing methods to recruit consumers. The company claims that the actions were actually carried out by a third party to whom it had entered into an agreement.


  • 90 days money-back guarantee, no condition.
  • 50% monthly discount for couples
  • Repair up to 15 items every 35 days.
  • Online signup is available.


  • No monthly credit monitoring.
  • No financial tools, like budgeting
  • Monthly disputes are limited to five per bureau every 35 days.

Sky Blue Credit

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Sky Blue Credit has a simple pricing model that includes $ 79 in advance work fees and $ 79 per month, or $ 119 per month for couples. Like Credit Cents, Sky Blue Credit offers a 90-day money-back guarantee and a free initial consultation. Sky Blue has been in business since 1989.

When you sign up, Sky Blue Credit will receive your free credit reports from major credit bureaus. After a thorough review, they will identify potential data errors and prioritize the items that have the most impact. Sky Blue will then start sending letters of dispute to the Credit Bureau, up to 15 in a 35-day cycle.

The credit repair options available from Sky Blue Credit include goodwill letters, Cess and Destroyer, Debt Settlement, and Debt Confirmation. They also offer balanced advice on how to improve your credit score, especially to suit your needs.

Sky Blue Credit Repair says the process usually takes about six months, and you can suspend or cancel the service at any time without penalty. This little extra flexibility is important, especially for those whose financial situation is constantly changing.


  • Simple pricing structure
  • Customer service is available by phone, chat, or email.
  • Less than a one-time work fee ($19)
  • Access to credit scores and reports from all three credit bureaus


  • No credit monitoring.
  • There are no financial management tools.

Credit People 7

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Some credit repair companies offer a money-back guarantee, often with restrictions. Credit People has one of the best: a 60-day money-back guarantee if you are not satisfied for any reason.

Another thing that sets Credit People apart is their pricing: you can pay a monthly, or six-month, flat fee. With the monthly option, you pay a $19 setup fee and, after a 7 day trial period, you pay $79 again. During the trial period, you can evaluate the status of your credit history and decide if you really need a credit repair service.

With the 6-month flat-rate option, there is no setup fee or monthly charge you pay only once for $ 419. Because it only works for $ 70 a month and the process usually takes 6 months, The Credit People offers one of the most affordable packages on the market.

Most top credit repair companies assign a personal advisor to each client. People do not give credit, so you can talk to another consultant whenever you contact them. If this is a problem, you can choose a different credit repair company.


  • Numerous discounts available
  • Cancel at any time.
  • Financial management tools are available with both plans.
  • The parent company LendingTree has a strong reputation.


  • Credit monitoring is only provided with the required plus.
  • The application process for phones only
  • No 24/7 support

Ovation Credit Repair

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Ovation Credit Repair 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 offers a one-time credit of up to $ 50 if you switch to another credit repair agency or refer a friend.

The company offers two credit repair packages: Necessary and Necessary Plus. With the necessary plan, a case advisor will guide you through the dispute process and give you advice on how to improve your overall credit situation. You will also have access to financial instruments for budgeting and debt repayment planning.

The Essential Plus plan offers additional benefits such as Transunion Credit Report Monitoring and Unlimited Debt Confirmation Letters, which ask depositors to verify the accuracy of the reported debt. This is an important step because, if a collector does not have sufficient documents to prove that the account in question is yours, the Bureau may remove it from your report.


  • Financial management tools and credit monitoring are included with each plan.
  • Live chat is available.
  • Certified FICO professionals
  • There is no setup fee.


  • The basic credit repair package includes only one credit dispute.
  • 24/7 Phone support is not available.

What types of negative items can a credit repair company remove from your credit report?

Credit repair companies can argue with lenders over a wide range of negative additions. The most notable items that these companies remove from credit reports include:

  • Identity theft
  • Late payments
  • Collections
  • Judgments
  • Charge-offs
  • Bankruptcies
  • Out-of-date additions
  • Repossessions
  • Debt settlement
  • Foreclosure
  • Hard inquiries

If your credit report incorrectly includes any of these items, a reputable credit repair company can help you remove them.

How fast can you get your credit repaired?

Everyone’s credit history is different, and credit repair companies cannot guarantee that they will complete your repairs on time. However, many consumers see improvement in their credit reports in six months or less.

How Much Does a Credit Repair Specialist Cost?

Credit repair companies charge between $ 75 and $ 150 per month for their services. Many companies also charge a one-time setup fee which is equal to their monthly payment.             

Do Credit Repair Services Really Work?

Yes, legitimate credit repair companies can help you improve your credit.

If you’re still unsure if these companies are legitimate, read just a few customer reviews and you’ll see that credit repair companies have had a positive effect on consumers across the United States.

Can legitimate credit repair companies guarantee results?

No credit repair company can guarantee successful results. The ability to improve a company’s score depends heavily on your credit report. If you do not have any controversial items on your report, the credit repair company will not be able to do a better job.

However, the best companies will offer a free consultation to indicate if they can improve your score before paying for your services. Trusted companies will also offer a 90-day money-back guarantee to help you feel confident in their services.


If you have experienced the disadvantages of having a low credit score, hiring a credit repair company may be the best solution. These businesses improve your credit score faster than your own, to make sure their services work, are tested, and use the right methods and help you maintain a favorable score. Offer educational resources to help.

Now is the time to let your credit problems get in the way of your life and financial goals. Take a look at one of these companies today to see how credit repair can get you started on the path to financial independence.

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