Best Credit Repair Companies
Credit report errors are more common than you 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—retrieving your reports, finding incorrect information, and disputing any errors directly with creditors and the major credit bureaus.
Best Credit Repair Reviews
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Best Overall: Credit Saint
FOR
90-day money back guarantee
Free credit assessment
Only one setup fee is charged if two members of the same household participate
Clear pricing policies
Online registration is available
Negative
Limited availability
First job fee of $195
No online chat
Monthly subscription: $79.99 - $119.99
Incorporation Fee: $99 - $195
Why we chose this company: We chose Credit Saint as our best overall product because of its clear pricing policies and range of affordable, comprehensive package options.
The packages — which range from $79.99 to $119.99 — vary in the number of claims that will be appealed per month, from five with the basic Credit Polish plan to unlimited with the premium Clean Slate plan.
Credit Saint offers a free consultation to assess your specific situation and determine the next steps you should take. Once you register with them, the company assigns an advisory team to your case and schedules calls to brief you.
Credit Cent also provides credit score analysis and gives you access to a credit score tracker to monitor your progress. Some plans also include Experian credit monitoring. In addition, 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 Polishing, Credit Remodeling and Clean Slate.
credit polishing
$79.99 monthly resample credit
$99.99 per square foot
$119.99 per month
$99 One Time Initial Work Fee $99 One Time Initial Work Fee $195 Initial Work Fee
Dispute up to 5 items per month Dispute up to 10 items per month Unlimited monthly disputes
Intervening letters of goodwill to creditors
Letters of Intervention in Good Faith to Creditors Letters of Intervention in Good Faith to Creditors
Escalating Information Requests Escalating Information Requests
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Credit Repair Industry Leader: Lexington Law
FOR
A long and proven track record
Online communication options
Hiring lawyers and paralegals
Free credit report consultation
Negative
Credit monitoring is only available with the most expensive plan
Financial management tools are only available with the Premier Plus plan
Legal action by the CFPB is pending
There is no guarantee of satisfaction
Monthly subscription: $95.95 - $139.95
Establishment Fee: $89.95 - $129.95
Why we chose this company: Lexington Law is our industry leader's choice because of its 17+ years of experience and nearly nationwide reach (every state except Oregon).
Because it is a law firm and its staff are mostly attorneys and paralegals, the firm is said to explore all legal avenues to correct inaccuracies on your credit report. Account representatives—often paralegals—provide personal support for long hours, seven days a week.
The company offers three service packages ranging from $95.85 to $139.95 per month, each of which includes credit disputes and creditor interventions — such as debt checks and goodwill letters. Its mid-range and premium plans include additional benefits like a personal finance manager, identity theft insurance, and/or Transunion FICO score tracking.
If you want to track your credit progress, Lexington has a highly rated mobile app where users have 24/7 access to their credit score analysis, personal counseling plan and dispute updates.
However, Lexington also had its share of legal troubles. It is the subject of several lawsuits, including legal action filed by the Consumer Financial Protection Bureau in 2019, alleging the company used unfair telemarketing practices to recruit customers. The company claims that these practices were actually carried out by third parties with whom it contracted.
Despite this, Lexington Law remains a strong player in the industry and offers the advantage of having an experienced law firm handle your case.
It offers the following credit repair packages:
Concord Standard
$95.95 per month Concorde Premier
$119.95