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This is our list of the top best credit repair companies
Is your current credit on life support and in need of CPR? The reality is that you can in fact improve your own credit score if you have the time, patience, grit, and determination. On the other hand, if you have no desire to argue with debtors, bill collectors, and others then your better option may be to use a credit repair company and let them do the work.
The process can be tedious and stressful, which explains why people opt to allow credit repair companies to do all the hard work. As with anything, not all companies are created equal. We’ve compiled our list of the top 10 Credit Repair Companies that should be able to assist you in accomplishing your goals to better credit.
We’ve done some digging around for you and have compiled the following list.
Credit Repair companies can assist you in improving your overall credit score. Yes, you will pay a fee. It may be more cost-effective and time-efficient to hire a credit repair company to do the work for you. Just remember that this is not a magical overnight potion. Your credit score did not get poor overnight, hence it will take some time to improve.
Best Credit Repair Company
Credit Saint is at the top of the list and is a proven leader within the credit restoration arena. They have proven results and a solid reputation. Their main goal is to empower users to get their credit mojo back. With 90-day money-back guarantee, an A+ rating from the BBB, transparent pricing, and great customer service they will remain the leader of the pack.
Here are the top 10 credit repair companies in 2022:
- Credit Saint Best for Overall Results
- The Credit People: Low Cost
- Ovation Credit Repair Best for Personalized Service
- Pinnacle Credit Repair
- Sky Blue Best for Customer Service
- The Credit Pros Best for Financial Tools
- Lexington Law Best for Time In The Game (they have been around for a long time)
- Credit Firm Best for Strong Reputation
- Pyramid Credit Repair Best for Married Couples
- Credit Repair Best for Simplicity
Credit Saint
Credit Saint – Ranked #1 Credit Restoration ServiceNot only is Credit Saint a BBB accredited business, but all programs come with Credit Saint’s 90-day Money Back Guarantee. Packages start at $79 -$195. All of their dispute letters are customized for each of their clients. They do not use pre-made templates. They look at each client and their unique situation. This definitely sets them apart from the competition.
You have 90 days to figure out a few things, if you can’t find errors or negative items to dispute you can ask for a refund
Pros:
- Provides customized letters to credit bureaus
- Multiple plans available, tailored to different needs
- One plan offers unlimited challenges
- Provides plenty of online resources
- Frequent progress reports
- A+ BBB Rating
Cons:
- Prices can be a bit much if you don’t need much help
- Upselling
Ovation Credit Repair
LendingTree is one of the largest online lending marketplaces in the world. Ovation offers the most customizable credit repair programs available. Essential Plus Plan packs all the punch of the standard Essentials Plan plus several cutting-edge components that formulate a multi-tiered approach suited to yield the best possible results faster. Essentials Plus Plan is for you.
Pros:
- A ‘pay later’ feature which allows you to start repairing your credit today with the option of paying for their services later.
- 24/7 Access to Financial Tools and Resources
- A+ Rating by the BBB
- 1-on-1 Customer Service
- Collaborate and learn from a team of dedicated experts
- Robust Client Dashboard to track progress
- Get assigned a Personal Case Advisor to help you navigate the complexities of repairing your credit
- Best Cancellation Policy
- Credit Monitoring Capabilities
- Affordable Credit Repair Services
- Enjoy a complimentary FREE Credit Consultation
Sky Blue
Sky Blue offers high-quality customer service, straightforward pricing, and fast results. They provide a detailed analysis of your credit profile. Their dispute letters are customized for each customer. If you are on a budget, then this is your go-to credit repair service
Pros:
- 90 – Day Money Back Guarantee
- Tailored recommendations so you know exactly what to dispute
- Fast Delivery Time: Sky Blue will send out your first round of dispute letters within a week!
- Awesome Online portal so you can track your progress every step of the credit journey
- Dispute up to 15 items (5 per bureau) every 35 Days
- Detailed Advice
- Advice on how to rebuild your credit
- Will assist with debt validation, cease and desist letters, goodwill deletion, and so much more
- $119/Month Couples Discount
Cons:
- Required to direct deposit your entire paycheck.
- Can’t have any fraud history in your banking record.
The Credit Pros
This company offers different packages that range from $69/month to $149/month, depending on its client’s unique needs.
Pros:
- Mobile and online banking.
- 55,000+ in-network ATMs around the country.
- Free check imaging with your online account.
- Unlimited check writing.
- No minimum monthly balance is required.
Cons:
- Minimum $50 deposit to open an account.
- $9.95 monthly maintenance fee.
Lexington Law
Consists of a team of highly efficient lawyers who specialize in credit repair. Lexington Law operates 24 hours a day, via online, phone, chat, or email.
Pros:
- Assisted over 500,000 clients with credit repair (#1 in clients served)
- Industry-leading 10+ million items removed for clients in 2017
- Free no-obligation initial credit consultation
- Free FICO® score and credit report summary
- Includes identity theft protection and fraud alerts
Cons:
- Half-off family discount is only valid during their first month
The Credit People
The Credit People are the perfect solution when you need a budget-friendly company. Take a test run for $19 for seven days. You can’t beat that, however, we would advise that credit restoration/improvement typically does not occur that fast. If you stay for the long term, then you pay a flat fee of $420 for everything.
It also offers a Second Chance Checking account for people with poor credit or a bad banking record.
Pros:
- Access to all three credit reports and credit scores.
- An unbeatable satisfaction guarantee.
- 24/7 access online. Watch our progress every step of the way!
- Very affordable overall
- Offers a pricing model for indefinite assistance
- Has a great moneyback guarantee
- Good monthly rate as well
Cons:
- Not as many new features as other companies
- They only provide customer care during central time zone business hours
What Can Credit Repair Companies Do?
Most credit repair companies will challenge negative items on your credit report and assist you with improving/restoring your credit. They act on your behalf with all three credit bureaus to dispute errors on your report by utilizing the Fair Credit Reporting Act. The end result is the improvement of your credit score.
Credit repair companies are well versed in the law and many companies engage with attorneys to get the work done. Sometimes you just have tolet the experts do what the experts do.
Credit Repair Companies May Do Some Or All Of The Following:
- Improve FICO Credit Score
- Challenge Charge Offs
- Bankruptcies
- Remove Late Payments
- Dispute Errors on Credit Report
- Remove Hard Inquiries
- Write Debt Validation Letters
- Remove Repossessions
- Remove Judgements
- Send Goodwill Letters
- Remove Collections from your credit report
- Remove Negative Items from Your Credit Report
- Tax Liens
- File Disputes on your behalf with all three credit bureaus
- Assist in Post Identity Theft
- Credit Restoration
- Identify Inaccurate Information on your Credit Report
- Consult About Credit Reporting Agencies: Equifax, Experian, or TransUnion
- Draft and Send Cease-and-Desist Letters
What Can Credit Repair Companies Not Do?
Credit repair companies can help to fix your credit, they can interact with credit bureaus on your behalf, educate and provide consumers with resources; however there are some things that they simply can not do and if they offer to do these things, you need to run away and report them to the FTC.
Here is a short list
- Mislead Consumers, Lie, Tell non truths: Credit repair agncies can not provide guaranteed results. NO Promises. This is actualy against the lawainst the law,
- Make False Credit Statements
- Impose a Cancellation Fee
- Believe it or not, they cannot offer to do services or imply that they offer services that you can ‘t do on your own
- Advise you to lie and apply for a new SSN or TIN (Taxpayer Identification Number) This is tax fraud and you may end up behind bars.
Most credit repair companies do credit 24/7 thus they are able to do things in an expeditious manner that may otherwise take us months or years to accomplish.