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Best Credit Repair Companies for 2021

Last Updated: January 15, 2021 By Paul Moyer

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SavingFreak.com has an advertising relationship with some of the offers included on this page. However, the rankings and listings of our reviews, tools and all other content are based on objective analysis. For more information, please check out our full disclaimer. SavingFreak.com strives to keep its information accurate and up to date. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product's website. All products are presented without warranty.

Whether you were swindled by an identity thief or made some bad financial decisions in the past, having a poor credit score can have heavy impact on your financial situation.

Legitimate credit repair companies can help you fix errors and settle problems that arise on your credit report. With any of the following companies you can not only improve your FICO score, but get help improving your overall financial situation.

Lexington LawBest All Around
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Pyramid CreditBest Personal Service
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CreditRepair.comBest Online Platform
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Credit PeopleBest Short Term Pricing
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Ovation CreditBest Customization of service
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Credit SaintBest Money Back Guarantee
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CreditFirm.netBest For Low Monthly Fee
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Best Credit Repair Services

Lexington Law

With more than 27 years of experience in the field, Lexington Law is one of the most reputed credit repair services. Established in 1990, Lexington Law is the leader in credit repair services, with a client base of over 1 million.

The company has a team of 24 experienced lawyers present in 19 states and a large team of paralegals, who have helped thousands of clients to improve and repair their credit.

The company offers its new subscribers a free credit score and credit report summary and along with you, if your family members also want to repair their credit scores, Lexington Law offers a family discount.

This can be especially beneficial for families with low income to get their credit scores back on track. The company allows you to track your case and monitor the progress any time via their website or mobile app.

Lexington Law does not require you to sign a contract for a long period of time and allows you to sign up on a month-to-month basis which you can cancel any time you wish.

Lexington Law is an excellent choice if you’re looking for a trusted and reliable company that offers flexibility, expertise and superior service to help you improve your credit score.

Pricing

When you sign-up with Lexington Law, you pay a one-time work fee and a monthly fee thereafter. Lexington Law offers 3 monthly pricing packages

  • Concord Standard: One-time fee $89.95 + $89.95/month
  • Concord Premier: One-time fee $109.95 + $109.95/month
  • Premier Plus: One-time fee $129.95 + $129.95/month

Sign Up for Lexington Law>>

Pyramid Credit Repair

You may be in need of a quick mortgage or loan and because your credit scores are very poor, you may get the loan at a high rate of interest.

So, if time is an important factor and you’re looking for a company that will give you really quick credit repair results, then Pyramid Credit Repair is a perfect choice. Pyramid Credit Repair began their operations in 2010, but in a short time of 8 years, they have built a good reputation in the industry.

Our Pyramid Credit Repair review details how they help to increase your credit score by sending several disputes at one time that helps to remove late payment mistakes, wrong charge-offs, etc. from your credit report, thereby increasing your credit score.

Pyramid does not charge you an initial fee, but what really sets them apart is that the company offers the customers a dedicated account manager who helps you with all the processes and monitors your credit repair progress.

Think of it as having a dedicated person to help instead of having to call into a customer service line. Pyramid offers excellent customer service and a complete support center and a phone service that is available to help you Monday to Saturday.

Pricing

  • Singles Plan: $99/month
  • Couples Plan: $198/month (50% discount on the 1st month fees)

The services are free for a period of 5-15 days and Pyramid offer a month-on-month plan which you can cancel anytime you want. They also offer a 100% money back guarantee during the 90-day period.

Sign Up for Pyramid Credit Repair>>

CreditRepair.com

CreditRepair.com was established in 1997 and is probably one of the most well-rounded credit repair services. Apart from just credit repair and disputing the negative items in the credit report, CreditRepair.com also provides services like:

  • repairing your credit history
  • 24×7 credit monitoring
  • tracker for credit score tracking
  • personalized online dashboard

CreditRepair.com believes in going beyond just credit repair and aim at helping you “develop a healthier relationship with your credit”.

The user interface of CreditRepair.com is very sleek and user-friendly, which makes the requirement for customer service lesser. Nevertheless, the customer service of CreditRepair.com is also extremely efficient and reliable.

While CreditRepair.com is comparatively pricier than other companies, the services and the state-of-the-art tools they provide are worth the price. And, apart from having your credit score repaired, if you want to improve your finances and keep a check on your credit, then it is worth considering CreditRepair.com.

Pricing

The company has only one level of service which is priced at $99.95 per month. The services are month-on-month, which you can cancel any time and the fees are charged for the month only when the work has been completed.

Sign Up with CreditRepair.com>>

Credit People

Looking to increase your credit score but don’t want to pay a monthly fee? Then you could consider Credit People for your job who not only offer practical alternatives but also deliver great results.

Credit People offer services like repairing your credit report, looking for legal loopholes to get your credit score on the right track and also sending credential letters to lenders.

The best part of Credit People is that they offer you a 7-day trial at $19, which allows you to try out the service before committing long-term.

And, if you decide to opt for their lump-sum payment option, any time that you are not satisfied with the service, you have an option of canceling.

They also offer a month-on-month plan that also allows you to cancel any time you want. And, if you are not satisfied with the services, Credit People has a 100% money back guarantee during the 6 months.

Credit People offers limited customer service and you can call them between 8 am to 5 pm or contact them via email. The flexible pricing options and satisfaction guarantee makes Credit People a reliable and solid choice.

Learn more in our Credit People review about their plans and service.

Pricing

  • 7-Day Trial Price: $19
  • Monthly Price: $69
  • Lumpsum Price: $299 (for 6 months)

Sign Up for Credit People>>

Ovation Credit Services

Ovation is owned and operated by LendingTree (you may have heard of them). The company competes very well with the other on this list and has a pretty good following of happy customers.

While the company history extends back more than 40 years, Ovation as it is currently constructed took form on 2004. Accredited by the BBB and many good ratings across the industry, you can see in our Ovation Credit Services review that is a good choice for your credit repair need.

Pricing

Ovation has three options of pricing:

  • Essentials – $69/month
  • Essentials Plus – $99/month

Each plan has the option to include a “fast-track” option for a one time start up fee of $114 instead of the standard start up $89.

Sign up for Ovation Credit Services>>

CreditSaint

Credit Saint is

 

Pricing:

 

Sign up for CreditSaint>>

CreditFirm.net

 

Pricing:

 

Sign up for CreditFirm.net>>

Credit Assistance Network

 

Pricing:

 

Sign up with the Credit Assitance Network>>

The Credit Pros

 

Pricing:

 

Sign up with the Credit Pros>>

American Debt Enders

 

Pricing:

 

Sign up with American Debt Enders>>

Sky Blue Credit

Sky Blue Credit is an excellent credit repair company that has been in the business of credit repair and restoration since 1989.

Sky Blue follows an accelerated process to resolve disputes and can tackle up to 15 items i.e. 5 items/bureau, which means that if there are many negative items in your credit report, Sky Blue will ensure that they get resolved and dismissed faster.

Sky Blue Credit services include fixing the errors on your credit report, finding legal loopholes to get your credit score on track and sending good credential letters to your lenders, among other things.

The best feature of the Sky Blue Credit services is the “pause your service” which allows you to take a break from the service for whatever reason and unpause it whenever you want the service to resume.

If you’re trying to get a mortgage, a vehicle loan or any other credit inquiry and want your credit report to be clean, Sky Blue Credit helps to get rid of all the inaccurate collection accounts, charge-offs, etc. and ensures the best outcome.

Sky Blue Credit has an A+ BBB rating and has built a solid reputation for providing excellent results at an extremely affordable cost.

So, if you’re looking for an efficient and customer-friendly credit repair organization, then Sky Blue Credit is definitely an excellent choice that offers a methodical approach to delivering an authentic and long-lasting credit improvement combined with superior customer service and a stress-free experience.

Pricing

The company charges a $59 initial fee and a per month charge of $59. The company also offers a monitoring service at $14,95/month that includes a report from the 3 bureaus or you can opt for a one-time purchase at $39.95.

The services are also on a month-on-month basis which allows you to cancel the service whenever you want and the company gives you a complete 90-day refund, no questions asked.

Sign Up for Sky Blue Credit>>

How Do Credit Repair Companies Work?

Credit repair companies help to fix your bad credit by removing the negative factors that make your credit report look bad such as late payments, foreclosures, liens, etc. Your credit repair company should accomplish the following:

  • Get your credit report from the 3 credit bureaus i.e. TransUnion, Equifax and Experian.
  • Repair the errors on your credit reports.
  • Improve your FICO score.
  • Remove the negative items from your credit report by negotiating with your lenders.
  • Understand the loopholes in the credit repair laws and remove the negative factors affecting your credit report.

So, if you’re facing credit issue which are harming your finances and making it difficult to secure loans, then it is time to start repairing your credit score. It is a good idea to do your research and look around for the best credit repair company that can understand and identify your credit issues and the things that are causing problems and work with you to resolve these issues efficiently.

First Published June 13, 2018

About Paul Moyer

Paul Moyer is the owner and Founder of SavingFreak.com. He is a licensed insurance agent, personal finance blogger, and financial coach. With the help of with his wife Amy, Paul has been debt free since 2006.

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