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5 Best Credit Repair Companies (2018) — Improve Your Credit Score

Brittney Mayer 5/11/18

At the age of 21, I was a financial disaster. I didn’t know my credit score from a hole in the ground, and had never been within smelling distance of my own credit report. When I finally took the important step of learning about my financial state, I was shocked to find my credit a mess. As it turns out, neglect does not a great credit score make.

Without the faintest idea of how to solve my dilemma, I turned to a credit repair company. In no time, the company was able to identify a total of three separate mistakes on my credit reports — three! — and work out a plan. Almost immediately, it was communicating directly with my creditors, and the reporting agencies, to correct the issues.

While not the solution to every credit problem, credit repair is a great way to polish your report and improve your credit score. Use the navigation to see our top credit repair companies or to learn more about credit repair.

Best in Credit Repair | Other Top Companies | Considerations | Does It Work?

Best Credit Repair Service: Lexington Law

Comprised of an experienced group of consumer advocacy law firms, Lexington Law has over 25 years of experience in credit repair.

4.9 /5.0 Stars
  • Free consultation: 1-855-200-2394
  • Most results of any credit repair law firm
  • Clients saw over 9 million negative items removed from their credit reports in 2016
  • More than 500,000 credit repair cleints helped
  • Cancel anytime
  • See official site, terms, and details »
Better Business Bureau A+
In Business Since 2004
Monthly Cost $79.95
Reputation Score 10/10
Our Expert Review 4.9/5.0 (see review)

Lexington offers three levels of service, with the PremierPlus program providing the broadest range of features, including FICO score tracking and personal finance tools.

Lexington also has some impressive stats to back it up: In 2015, Lexington clients had 7,500,000 negative items removed from their credit reports, with an average of 10.2 removals in just four months.

Other Top Credit Repair Companies

If our number one pick isn’t for you, don’t worry — there are plenty more credit repair fish in the financial sea. Any of our contenders will make a great catch! Here are the rest of the best five repair companies.

2. Sky Blue Credit Repair

One of the best things about Sky Blue is the simplicity; it has a flat-rate payment structure, with a set price per individual, or couple. The Sky Blue team are also specialists in credit repair — it’s the only thing they do, and they’re dedicated to doing it well.

4.5 /5.0 Stars
Better Business Bureau A+
In Business Since 1989
Monthly Cost $59
Reputation Score 9.5/10
Our Expert Review 4.5/5.0 (see review)

Sky Blue takes pride in its efficient process and fast credit repair, advertising that its customers may start seeing results in as little as 30 days.

3. CreditRepair.com

Advertising an average credit score gain of up to 40 points over four months, CreditRepair.com can do a lot of good in just a short time. It will build you a personalized game plan to reach a winning credit score, and offer multiple ways to track your goals.

4.5 /5.0 Stars
  • Free consultation: 1-855-200-2393
  • Average 40-point increase in Transunion credit score during first four months
  • Free access to your credit report summary
  • Three-step plan for checking, challenging and changing your credit report
  • Online tools to help clients track results
  • See official site, terms, and details »
Better Business Bureau A+
In Business Since 1997
Monthly Cost $99
Reputation Score 9.5/10
Our Expert Review 4.5/5.0 (see review)

CreditRepair.com also offers mobile applications for phones and tablets, allowing you to keep an eye on your progress from anywhere.

4. Ovation Credit Repair

It’s easy to find if Ovation is for you: the company offers a free consultation before you even signup. Once you’ve chosen a plan, you’ll be assigned a Personal Case Advisor to guide you through the entire process.

3.8 /5.0 Stars
  • Toll-free consultation: 1-855-393-3667
  • Unlimited disputes of credit report items
  • Costs $85 for initial work, then as low as $49-$69 monthly to continue
  • Cancel anytime
  • Professional advisor assigned to each case
  • Essentials Plus also sends validation, goodwill, and recommendation letters to creditors
  • See official site, terms, and details »
Better Business Bureau A+
In Business Since 2004
Monthly Cost $69
Reputation Score 8.5/10
Our Expert Review 3.8/5.0 (see review)

In a hurry? Ovation Fast Track clients are expedited at every stage, including going from sign-up to setup in just one business day.

5. Credit Assistance Network

For reports with a large number of questionable items, Credit Assistance Network is a good choice — it can dispute up to 45 items per cycle. The company also offers one-on-one coaching to help you rebuild your credit.

2.5 /5.0 Stars
  • Monthly fee of $139.00
  • Years of credit repair experience
  • Disputes items on your credit report
  • Mails dispute letters to major credit bureaus
  • Tracks your progress online
  • See official site, terms, and details »
Better Business Bureau A+
In Business Since 2004
Monthly Cost $139
Reputation Score 5.0/10
Our Expert Review 2.5/5.0 (see review)

If you have a friend or spouse that also needs assistance, Credit Assistance Network will offer a discount if you enroll together.

Considerations When Comparing Credit Repair Services

When shopping around for the perfect credit repair company, start with the basics: fees and reputation. As in any market, the price of credit repair services will vary by company and features. Checking the company’s reputation with the BBB and industry associations is a good way to determine their legitimacy, and ensure you’re not about to throw your money away.

Specialty Services

If you know that you have a time crunch or a large number of disputes, you may need to find a company that caters to your special situation. You’ll also want to consider whether and what kind of counseling or guidance you’ll need, both during and after the repair process; not all companies offer these services.

Credit Repair is Fast — But Not Immediate

There are no overnight fixes when it comes to your credit, and repair is no exception. Depending on the type, and number, of items on your report you wish to dispute, repair can take anywhere from six weeks to more than a year. No credit repair agency can give you a “30-day guarantee” to solve all of your problems — not only is it unlikely, it’s illegal.

Know Your Situation

Lastly, don’t forget to do your own homework on your current situation. Some companies will pull your credit reports on their own, but others will require you to obtain and send in the reports yourself, which you can get for free at AnnualCreditReport.com.

Get a free credit report from each of the three bureaus at AnnualCreditReport.com once a year.

Either way, it won’t hurt to study your reports beforehand, so you have an idea of what the companies are going to find. You should obtain a copy of your credit reports at least once a year.

Does Credit Repair Work?

The honest answer? Yes, and no. Credit repair is a great way to improve your credit score, if the problem is caused by a disputable error. If your credit score is poor because of a giant pile of debt — debt that you legitimately owe — then credit repair may not be the right solution.

In my case, eliminating the mistakes on my credit report netted me a little over two dozen points in just a few months. Considering the years of neglect my credit suffered, I think I got off light.

Brittney is a Contributing Editor for Digital Brands, Inc., where she uses her extensive research background to develop comprehensive guides and in-depth company profiles for BadCredit.org and CardRates.com. Brittney specializes in translating complex ideas into readable, engaging content for B2C and B2B audiences.
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