Top 3 Credit Repair Reviews (Companies, Services & Resources)

Top 3 Credit Repair Reviews (Companies, Services & Resources)
Ashley Dull
By: Ashley Dull
Posted: October 12, 2016's popular "How-To" series is for those who seek to improve, rebuild or better understand their subprime credit rating.

While the connectivity of the internet has made it simpler than ever to find a variety of companies and services for any need, many of us now have the opposite problem: picking just one.

For the relatively trivial decisions, such as finding the best pizza place, the overabundance of options means you only risk a bad meal. For important things, like choosing a credit repair company, the wrong choice could end up costing you lots of money (or credit score points).

Becoming an informed consumer is the best way to ensure you select the right credit repair company — and avoid the wrong ones. Learn more about credit repair services or jump ahead to our top three companies.

Services Offered | Best Companies (3) | How to Select | Hiring an Attorney

Services Offered by Credit Repair Agencies

Credit repair is the process by which mistakes (including misspellings, incorrect balances, or erroneous accounts), and other negative accounts, can be removed from your credit report. If these accounts are dragging down your credit score, having them removed can often result in a higher score.

Most credit repair companies will offer fairly similar basic credit repair services such as communicating with the credit bureaus, and your creditors, on your behalf. Other resources will vary by company, and may include:

  • Credit score tracking
  • Credit score alerts
  • Online assistance portal
  • Mobile application
  • Credit counseling
  • Identity protection

Advanced services or resources may come with additional fees, so keep costs in mind when determining which features you need.

3 Best Credit Repair Companies

Hundreds, if not thousands, of credit repair companies are on the market today — and they all seem to be claiming to be “the best.” With so many companies, they can hardly all be the cream of the crop.

Many of the best credit repair companies are well established, customer-focused, and completely transparent about their services. Our experts picked their top three below.

1. Lexington Law Credit Repair Review

With past clients averaging 10.2 items removed per month, or nearly a quarter of their reporting negatives, Lexington Law has a success rate that speaks for itself. John C. Field, the Directing Attorney for Lexington, attributes much of that success to their personalized approach.

“It is a personalized approach, rather than just somebody signing up and having work done,” said John. “We personalize our clients’ cases as much as possible. We have focus tracks for people, such as those who are divorced or in the military, who have certain student loan debt problems, or who have gone through a bankruptcy.”

  • Toll-free number: 1-855-200-2394
  • Reporting clients see 85% of negative items removed
  • More than 3.3 million item deletions last year
  • No contracts
  • Free credit score summary provided
  • Phone support from licensed paralegals 7 days a week
  • More than 500,000 clients served since 1991
  • Click here for sign-up form, terms, and details.


Overall Rating

Better Business Bureau In Business Since Monthly Cost Reputation Score
A- 1991 $79 - $99 10/10

Lexington’s monthly fees will vary by service level — which includes Standard, Premier, and PremierPlus — so you pay for only the resources you actually need. The company even offers a family discount when you sign up together. Plus, you can cancel at any time without any fees.

2. Sky Blue Credit Repair Review

After 27 years in credit repair, Sky Blue pride themselves on their efficiency, advertising five disputes, per bureau, every 35 days. Thanks to this success, the average Sky Blue customer sees their credit repair process finished in about six months — and you can rely on Sky Blue to let you know when the work is finished.

“When we feel we’ve done all we can, we call to tell them we feel we’ve reached a point of diminishing returns,” said Jim Kemish, the President of Sky Blue. “Customers always seem to be impressed by that.”

Sky Blue offers a single level of service that comes with a few perks, including credit rebuilding guidance. The company also offers a satisfaction guarantee. “If at any time in the first 90 days of membership a client is not happy with the service, for any reason, we refund them 100%.”

3. Review

The team at think of themselves as consumer advocates, not just credit repair experts. They take advantage of every consumer protection available to help their members, rather than just disputing each negative account.

“Challenging is not only about disputing,” explained Scott Smith, CreditRepair’s President. “We’re not just going to go in and say, ‘This is wrong.'” The company’s approach seems to have paid off. “As a result of those broad-ranging efforts, our members have seen terrific results, including an average of 7% of the presenting negatives removed month after month.”

  • Toll-free number: 1-855-200-2393
  • Three-step plan for checking, challenging and changing your credit report
  • Over 15 years of experience in credit repair
  • Registered with the Department of Justice
  • Online tools to help clients track results
  • Click here for sign-up form, terms, and details.


Overall Rating

Better Business Bureau In Business Since Monthly Cost Reputation Score
A+ 1997 $99 9.5/10 charges a flat monthly fee for its services and offers a range of online tools, as well as a mobile application, so you can track your progress from anywhere, at any time.

How to Select a Credit Repair Company

When it comes to selecting the best credit repair company for you, there are a few factors you should compare, including the reputation of the company, the cost of service, and the resources that come with that cost.

The reputation of the company can be easy enough to determine with a little research. Check with the Better Business Bureau (BBB), as well as reading online consumer reviews to get an idea if the company is trustworthy. If you don’t feel comfortable with the company, find another one — plenty of options are out there.

As for cost and services, they’ll go hand in hand. You’ll likely see one go up as the other does; the more features you want from your credit repair company, the more you’re likely to pay. Going with a larger firm may decrease the price, but smaller firms may offer face-to-face customer service. Choose what is most important to you.

One thing to keep in mind is you should never pay any up-front fees for credit repair. You’ll also want to make sure to find a company that offers no-contract services so you can cancel whenever you want.

When to Hire an Attorney

In the case that a creditor has taken legal action against you, you should definitely consult an attorney to determine your legal options. You may also wish to consult a legal professional if you have become the victim of identity theft or other credit fraud.

The average consumer should have no need to take legal action to complete the credit repair process. Most erroneous and unfair negative accounts can be removed via a reputable credit repair company.

Remember that, unlike choosing a take-out restaurant, selecting the wrong credit repair agency can have big consequences. Do your research and become an informed consumer before selecting a credit repair company — and avoid prevent losing money or credit score points to a bad repair.