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Published: Oct 03, 2023 36 min read
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Company Highlight
Our Partner

Wide range of affordable and comprehensive package options

  • The advisory team helps you take the necessary steps to improve your credit health overall
  • Setup or First Work Fee: $99 - $195
  • Monthly Fees: $79.99 - $119.99
  • Over 10,000 Google Reviews at 4.8 Stars
  • 90-day Money-Back Guarantee


Our Partner

All plans include unlimited disputes to all three credit bureaus

  • Monthly fees: $79 or $99
  • Flat-rate six month fee for $499 also available
  • First work fee: $19
  • No available discounts
  • Money-back satisfaction guarantee refunds the month you cancel the service and previous month


Our Partner

Offers a single, low-cost credit repair package

  • ​​Pause and resume your membership at will through your online account
  • Setup or First Work Fee: $79
  • Monthly Fees: $79 - $119
  • Discounts available for couples
  • 90-day Money-Back Guarantee
Our Partner

Over 15 years of experience in the industry

  • First work fee: $99
  • Monthly fees: $99
  • Includes free consultation, credit score analysis and more
  • No available discounts
  • 90-day money-back guarantee
Our Partner

Even the most basic packages include financial management tools

  • Credit monitoring is included with every plan, regardless of the price
  • Setup or First Work Fee: $119 - $149
  • Monthly Fees: $69 - $149
  • No available discounts
  • 90-day Money-Back Guarantee
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Available in 49 states

  • Considerable industry standing with a track record of nearly 20 years
  • Setup or First Work Fee: $89.95-$129.95
  • Monthly Fees: $59.95 - $139.95
  • Discounts available for military, family/household, and referrals
  • No long-term contracts. You can request a refund for any month Lexington Law doesn't provide any of the agreed-upon services


Our Partner

Industry-leading state coverage and provides services in Spanish

  • Offers a free credit score evaluation and consultation
  • Setup or First Work Fee: $69.95 - $119.95
  • Monthly Fees: $69.95 - $119.95
  • 50% discount on First Work Fee for veterans and active military
  • No Money-Back Guarantees


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.

We evaluated dozens of credit repair companies by comparing pricing, plans and track record, leading us to pick Credit Saint as best overall. There are, however, other companies that are worth considering depending on your situation. So, if you’re ready to leave bad credit behind, read on for Money’s guide to the best credit repair services of October 2023.

Why you can trust us

Our team has spent hundreds of hours evaluating dozens of credit repair companies based on costs and fees, service packages, customer feedback and industry reputation. We also continuously research information provided by regulatory agencies such as the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). Ultimately, we aim to provide readers with comprehensive reviews and an up-to-date credit-repair guide that reflects the latest in the industry.

Our Top Picks for Best Credit Repair Companies

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Best Credit Repair Reviews

  • 90-day money-back guarantee
  • Options for every budget
  • Clear pricing policies
  • Online sign-up available
  • Limited availability
  • First work fees up to $195
  • No online chat
Monthly fee:
$79.99 – $119.99
Set-up fee:
$99 - $195
Money-back guarantee:
90 days

Why we chose this company: Credit Saint is our pick for Best Overall because of its clear pricing policies and its 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

Read full review>>

  • Long, proven track record
  • Online contact options
  • Employs attorneys and paralegals
  • Free credit report consultation
  • Credit monitoring only available with the priciest plan
  • Financial management tools only available with Premier Plus plan
  • Pending legal action from the CFPB
  • No satisfaction guarantee
Monthly Fee:
$59.95 – $139.95
Set-up fee:
$89.95 – $129.95
Money-back guarantee:

Why we chose this company: : Lexington Law is our pick for Industry Leader due to its more than 18 years of experience and almost nationwide availability (every state except in 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 four service packages ranging from $59.95 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 Law has had its share of legal problems. Recently, the company was accused of charging illegal upfront fees through telemarketing, and the Consumer Financial Protection Bureau (CFPB) has entered a proposed settlement requiring Lexington Law to pay a $2.7 billion fine.

Additionally, in June 2023, the company filed for Chapter 11 bankruptcy. The case is pending.

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
Up to 6 Equifax & TransUnion disputes per cycle
Up to 3 Experian disputes per cycle
Up to 6 Equifax & TransUnion disputes per cycle
Up to 3 Experian disputes per cycle
Up to 8 Equifax & TransUnion disputes per cycle
Up to 3 Experian disputes per cycle
Up to 3 creditor interventions per month Up to 3 creditor interventions per month Up to 6 creditor interventions per month
ID Theft Insurance
(Up to $25,000)
Inquiry Assist Inquiry Assist
Debt Handler Report analysis Report analysis
Report Watch Alerts Report Watch Alerts
TransUnion Credit Monitoring TransUnion Credit Monitoring
ID Theft Insurance
(Up to $25,000)
Transunion FICO score
ID Theft Insurance
(Up to $1,000,000)
Lost Wallet Protection
Junk Mail Reducer
Financial Transaction Alerts

Read full review>>

  • 50% discount for couples
  • Repair up to 15 items every 35 days
  • Online sign-up available
  • Pause your subscription whenever you like
  • No monthly credit monitoring
  • No financial tools, such as budgeting
  • Monthly disputes limited to five per bureau every 35 days
Monthly fee:
$79 for individuals, $119 for couples
Set-up fee:
$79, $119 for couple
Money-back guarantee:
90 days

Why we chose this company: Sky Blue Credit Repair is our pick for Best Value because it 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 ($79), while other companies charge around $100 or more.

Beyond disputing errors, Sky Blue gives credit-rebuilding advice. You can schedule consultations if you have questions about anything credit-related, like card credit offers or loan applications or for advice on how to increase your credit score.

It’s also worth noting that Sky Blue Credit Repair offers one of the most flexible subscriptions on the market. If you want to skip a month of service without canceling your subscription, you can request a pause online. You won't be charged 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 firms 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

Read full review>>

  • Simple pricing structure
  • Customer service available through phone, chat or email
  • Low one-time first work fee ($19)
  • Unlimited challenges with all three bureaus
  • No credit monitoring
  • No financial management tools
Monthly fee:
$79, $99 or $419 six-month flat rate
Set-up fee:
$19 (No setup fees with six-month plan)
Money-back guarantee:
Cancel at any time and you won't be charged for that month of service. If you choose the flat-fee plan, you have a full six-month satisfaction guarantee

Why we chose this company: The Credit People is our pick for Best Guarantee because it offers low startup fees and lets customers cancel their subscriptions 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 sign up for one of the company’s monthly plans, which cost $79 and $99, until you get the result you want. You can also pay a flat fee of $419 (and no set-up fees) 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 three memberships offered by The Credit People include the following credit repair services:

Standard Plan
$79 p/m
$19 initial fee
Credit score before and after negative items are removed
Unlimited disputes to all three credit bureaus


Premium Plan
$99 p/m
$19 initial fee
Credit score from all bureaus updated monthly
Debt validation letters
Creditor interventions
Unlimited disputes to all three credit bureaus


Flat-rate Plan
$499 One-time fee
No initial fee
$499 flat-rate pricing for a six month membership ($83.16 p/m)
Same benefits as the premium plan
Cancel at any and get a refund for the remaining months

Read full review>>

  • Financial management tools and credit monitoring included with every plan
  • Live chat available
  • Certified FICO professionals
  • No setup fee
  • Basic credit repair package only includes one credit dispute
  • 24/7 phone support isn't available
Monthly fee:
$69 – $149
Set-up fee:
$119 or $149
Money-back guarantee:
90 days

Why we chose this company: Many credit repair companies offer extra perks only with their most expensive plan. We chose The Credit Pros as Best for Bonus Features since it offers useful financial management tools at all price tiers.

The plans include tools like bill reminders and a budgeting system that syncs to your accounts in real time. They also feature TransUnion alerts to track credit score changes and dark web monitoring to check if your personal information (like your Social Security number or address) was leaked.

However, note that the company's most affordable service package (Money Management) doesn't include credit repair services. It only features a financial consultation and credit and identity theft monitoring services, which are often available for a lower cost by identity theft protection services.

To get help in fixing credit report errors, you must subscribe to the Prosperity or Success Plus package. These include unlimited disputes, creditor interventions and cease and desist letters.

The Success plan also lets you access reports and scores from the three credit bureaus and a credit builder loan that can help improve your credit history if you make timely payments.

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.

Money Management
$69 p/m
$129 p/m
Success Plus
$149 p/m
$119 one-time initial work fee $129 one-time initial work fee $149 one-time initial work fee
One-bureau report and scores Same features as the Money Management plan Same features as the Prosperity plan
ID Cover Darkweb monitoring Three-bureau Credit bureau challenges Access to credit builder loan (if interested
TransUnion alerts Cease and desist letters Three-bureau reports and scores
Real-time account sync Letters of reference
Bill reminder Creditor interventions
Budgeting system

Read full review>>

  • AI software analyzes your credit reports to identify negative items
  • Automatically generates dispute letters based on your credit situation
  • Keeps track of your credit score and disputes with an easy-to-read dashboard
  • Monthly plans include identity theft insurance
  • You must mail the dispute letters yourself
  • No credit experts to assist you
  • No money-back guarantee
  • No credit consultations
Monthly fee:
$19.95 – $29.95
Set-up fees:
Money-back guarantee:

Why we chose this company: Credit Versio is our pick for Best for DIY Credit Repair because it’s a low-cost alternative to traditional credit repair services and simplifies the often complicated credit repair process.

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, the software can generate tailored dispute letters based on your credit information and why 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 provide unlimited dispute letters and monthly credit reports and scores. Two give you access to SmartCredit’s credit monitoring platform, and the most expensive plan also includes 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
$29.95 p/m
$24.99 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
Two monthly Transunion Report & score Unlimited Transunion Report & score updates

Read full review>>

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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:


  • 90-day money-back guarantee
  • Credit score tracker and analysis
  • 24/7 Online progress tracking
  • Only one credit repair plan

Safeport Law charges $99 monthly and a $99 set-up fee for its credit repair services. The plan includes challenges to the three main credit bureaus and a credit score analysis and tracker. However, the company only offers one plan, while our main picks have two or more.

Credit Glory

Credit Glory charges $99 per month and a $299 setup fee, which is significantly higher than some of our leading picks. Additionally, the company doesn't include a credit monitoring or dispute tracking service, nor does it offer any discounts.

  • Customer service available on weekends
  • Setup fee charged once dispute letters are sent
  • 90-day money-back guarantee
  • Credit monitoring available at extra cost
  • No discounts offers a free online initial evaluation that includes your credit score, a negative item summary and a personalized credit-repair plan. It has three service packages ranging from $69.95 and $119.95, which are competitive prices. But, unlike our main picks, the company doesn’t offer a money-back guarantee.

  • Educational blog about credit
  • Three service plans available
  • Free credit score included
  • No information about its staff's qualifications
  • Pending legal action from the CFPB
  • Unclear information on its three service plans

Trinity Credit Services

Trinity Credit Services has over nine years in the credit repair business. The company offers a free credit report evaluation and a customized credit repair plan, which you can keep track of online. However, the company isn't clear about service costs and setup fees on their website. Additionally, they don’t provide information about guarantees.

  • Free credit report evaluation
  • Track the dispute process online
  • No information about services and fees

Pyramid Credit Repair

Pyramid Credit Repair has over ten years of experience. It's one of the few credit repair companies offering a discounted plan for couples and 24/7 customer support. However, its setup fees are higher than many of our main picks.

  • Offers 24/7 customer support
  • Free credit consultation
  • Discounted couple plan available
  • Discounts for the military and teachers
  • Little information regarding plans
  • Individual plan doesn't include finance tools

AMB Credit Consultants

While AMB Credit Consultants has more than ten years in the business and offers discounts for couples, there are several drawbacks to its services. For one, it doesn't offer a free credit consultation. Before scheduling a consultation, you must subscribe to a monthly credit monitoring subscription with IdentityIQ for $24.99. Additionally, the company states on its website that you shouldn't use, which is the only federally authorized site to obtain free, official credit reports from the credit bureaus.

  • Over ten years of experience
  • Discount for couples
  • Advises against using (the only federally authorized site to obtain free credit reports)
  • Must commit to at least 6-9 months of service
  • Must pay for a credit monitoring subscription before initial consultation
  • Extra fee for third-party credit monitoring charges $49.99 per month for individuals ($89.99 for couples), which is relatively inexpensive compared to other companies. But the company doesn't offer a free credit consultation, money-back guarantee or additional finance tools.

  • No setup fees
  • Couples discount available
  • Cancel any time
  • Unlimited disputes to creditors
  • Monthly credit monitoring not available
  • No money-back guarantee
  • Outdated website is hard to navigate
  • Customers must send in credit reports themselves

Credit Assistance Network

The Credit Assistance Network's website is outdated and hard to navigate. There's little to no information regarding the company's reputation on third-party party review sites. Additionally, the company doesn't offer credit repair services. Instead, it forwards you to The Credit Pros, one of our main picks. With this in mind, we recommend signing up with The Credit Pros directly.

  • 20% discount for friends or spouses
  • Includes personal finance tools
  • Credit restoration services managed by The Credit Pros (one of our main picks)
  • Outdated or unclear information on its website

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 any results.

Table of Contents

What is credit repair?

Credit repair refers to the process of improving one's creditworthiness. It often involves reviewing your credit history for inaccuracies and disputing them with credit reporting agencies. If your report has no errors, other credit repair strategies include paying your bills on time and lowering your overall debt.

Taking the time to repair your credit can raise your credit score, which can improve your approval odds for new loans and credit cards with favorable interest rates.

How does credit repair work?

Credit repair is a process that can take months or years, depending on your particular financial situation. However, anyone trying to improve their creditworthiness should follow these steps:

Make timely payments

The first step is to consistently pay your bills on time.Your payment history is the most important factor evaluated by credit scoring models. A 30-day late payment can lower your score by as much as 100 points, and the impact on your creditworthiness is worse if you're 60 or 90 days past due.

Lower your credit utilization ratio

Your credit utilization ratio indicates how much of your available credit you are currently using. It is the second most influential credit scoring factor after your payment history.

When you’re applying for new credit, most issuers or lenders will prefer to see a credit utilization ratio below 30%, which they’ll see as a sign that you’re not over-relying on credit cards or lines of credit.

You can calculate your credit utilization ratio by dividing your outstanding credit card balances by your credit limits. For example, if you have a credit card with a $10,000 credit limit, try to use $3,000 or less every month.

Reduce your overall debt

Reducing your outstanding balances can improve your creditworthiness and increase your approval odds for loans and cards by decreasing your debt-to-income (DTI) ratio.

DTI ratio is an important factor lenders use to evaluate credit applications. It represents your monthly debt obligations divided by your gross monthly income, and experts recommend keeping it at or below 36%. Paying down your loans and credit cards lowers your DTI ratio and shows lenders you can afford to take on new credit.

For tips on reducing debt, check out our guide How much is too much debt.

Check for credit report errors

Credit repair often involves checking your credit reports for errors and reporting it to the credit bureaus (Experian, Equifax and TransUnion). Under the Fair Credit Reporting Act (FRCA), you have the right to dispute any information you believe is inaccurate and the bureaus must investigate and delete it from your report if found to be erroneous.

You can fix your own credit for free. However, the process can be tedious, especially if your reports have multiple errors. Credit repair services check your reports for mistakes and contact credit bureaus and financial companies, like banks or debt collectors, to dispute the errors on your behalf.

How much does credit repair cost?

Credit repair agencies typically charge between $50 to $150 per month, depending on the service plan you choose. They also charge a setup fee (also called initial or first work fee) that's often a similar price to the monthly subscription.

This cost generally includes monthly credit report and score analyses and a set number of bureau disputes and creditor interventions. Some companies also provide financial tools like credit score trackers and budgeting software.

However, note that credit repair companies can only help you remove inaccurate information from your credit report, which you can also do for free. (Check out the DIY credit repair section for more details.) If your report doesn't have errors, you should focus on paying your bills on time, keeping a low credit utilization ratio and reducing your total debt.

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.

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 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. Companies must also give you a copy of the “Consumer Credit File Rights Under State and Federal Law,” a document that states 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.

How to choose the right credit repair company

These are some factor to keep in mind when evaluating credit repair companies:

Lookout for false promises

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 to how to repair bad credit.

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 the requirements.

Read customer reviews

You can check sources like Google Reviews, the Better Business Bureau (BBB) and Yelp. These are useful starting points that can help you gauge customer experience. However, 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.

Still, if you read multiple reviews alleging similar types of issues, you can consider it a red flag.

Check the regulatory agencies

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

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.

Differences between debt settlement, credit repair and credit counseling

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 small service fee
Negotiates with your lenders so you can pay a reduced amount Identifies and repairs mistakes on your credit report Provides debt and money management advice
Involves stopping debt payments until a settlement is reached Communicates with creditors and reporting bureaus to fix credit report errors May negotiate better loan terms with your creditors
Will impact credit negatively for up to 7 years Improves credit by removing reporting mistakes Can set up a personalized debt repayments strategy to improve credit
Can hurt chances of getting loans or credit cards for some time Increases the possibility of being approved for loans and credit cards Increases the possibility of being approved for loans and credit cards
Best to consider it as a last resort Best for those who need help removing mistakes from their report Best if you’re having trouble making on-time payments

If you’re interested in consulting a credit counselor, you can find a certified one through the National Foundation for Credit Counseling. These offer low-cost debt counseling, debt consolidation and debt management plans.

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 repair credit issues yourself at no cost. There are also ways to improve your credit score without the help of a credit repair agency.

Here are some steps you should take to repair your credit:

  • Examine your reports for any discrepancies, on-time payments labeled as late or accounts that don’t belong to you
  • If you spot an error, visit the reporting bureau’s website and file an online dispute
  • Include with your dispute supporting documentation (like bank statements) that proves the items your disputing are inaccurate

Credit bureaus must investigate disputed items within 30 days, and delete it from your report if found to be erroneous. They might also delete items from your report if your debtor can’t 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 how to read your credit report. Once you do, check out our guide on how to remove items from your credit report.

The Cost Of Lower Credit Scores

Bad credit impacts your finances in more ways than you might think. The effects of having less-than-stellar credit aren’t just measured in terms of your ability to gain access to credit but also in how much that access costs you.

While some companies will approve borrowers with fair to poor credit, they will do so at a higher interest rate. This means that the lower your credit score, the more expensive loans will be.

Let's run through a breakdown of how much interest you can expect to pay based on your credit score range. In this example, we’ll assume a 30-year fixed-rate mortgage loan for $400,000, which is close to the median of home prices in the U.S.

Take a look at this example to see how the difference between excellent credit and fair credit can cost you upwards of $150,000 over the life of a 30-year loan:

FICO Score APR Monthly Payment Total Interest Paid
760-850 6.761 % $2,597 $535,034
700-759 6.983 % $2,657 $556,392
680-699 7.16 % $2,704 $573,559
660-679 7.374 % $2,762 $594,474
640-659 7.804 % $2,881 $637,012
620-639 8.35 % $3,033 $691,964

* Based on a 30-year fixed-rate mortgage loan for $400,000

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Credit Repair FAQ

What is a good credit score?

Based on the FICO scoring model, good credit scores fall within the range of 670 to 739. For VantageScores, the "good" range is between 661 and 780. Anything above that is considered very good or excellent.

What is a perfect credit score?

A perfect credit score usually refers to the highest possible score on a credit scoring model, which is 850 on both the FICO and VantageScore systems. Note that it's quite challenging to earn this score, but it's also unnecessary. You'll have outstanding approval odds and favorable loan terms once you reach the "very good" range in the FICO model (between 740-799).

What is a bad credit score?

Bad credit scores often fall within the fair or poor range of credit scoring models. In the FICO scoring model, scores between 580 and 669 are fair, and anything below 580 is poor. In the VantageScore range, anything between 601 and 660 is fair and below 601 is poor.

How to fix your credit

You can fix your credit on your own, but it will take time, effort and patience. Review each of your credit reports from Experian, TransUnion and Equifax for errors or information that's more than seven years old. If you find any, file a dispute with the credit bureau and contact your creditor. They are legally obligated to investigate and eliminate inaccurate information from your report, at no charge to you.

How long does it take to repair credit?

The credit repair process does take time, and the amount of time it takes can depend on whether the items that are causing a low score are correct or not. If there are mistakes in your credit that can be corrected by disputing them with the bureaus, the repair process can take a few months. If the factors that are impacting your credit are correct, the process can take a year or more.

Does credit repair work?

Credit repair services can help you remove inaccurate or outdated information from your credit report. However, if your credit report is correct, you'll have to improve your credit yourself or attend credit counseling. Also, note that you can remove credit reporting mistakes on your own for free by submitting disputes with each credit bureau.

How We Chose the Best Credit Repair Companies of October 2023

In preparing our list of the best credit repair companies — and especially when making our pick for best overall — we took the factors below into account.


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 check their history of customer complaints or enforcement actions.

Product offering

A credit repair service assumes responsibility for writing letters, communicating with lenders and credit bureaus and disputing any incorrect negative items in your credit report. Multiple pricing options, additional financial tools, expert advice and service guarantees helped some companies stand out from the competition.

Pricing options and service guarantees

We preferred companies that offered a variety of pricing options and that had transparent service guarantees, with little to no fine print exceptions.

Sources Used

  1. Federal Trade Commission (FTC)
  2. Consumer Financial Protection Bureau (CFPB)

Summary of Money’s Best Credit Repair Companies of October 2023

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