Best Credit Repair Services for Couples in 2024

Best Credit Repair For Couples

Recently divorced couples often cite money issues as a key factor in their split. Statistics show financial problems are the main contributor to most marriages and relationships coming to an untimely end. But a few companies understand that the best credit repair for couples provides a type of therapy that may help your relationship.

That’s because credit issues — not unlike being in a relationship — is a two-way street. If you and your significant other both struggle with bad credit, you won’t fix the situation by repairing just one of your credit standings. When you both become free and clear of credit issues, your relationship will grow in ways it couldn’t when under financial stress.

The Best Credit Repair for Couples with Service Discounts

Thanks to the deals offered by the companies below, you can get discounts when tackling your credit problems together. The following credit repair companies offer up to 50% off the second service when you and your significant other sign up together.

  • Since 2004, Lexington Law Firm clients saw over 81 million items removed from their credit reports
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Overall Rating

Better Business Bureau In Business Since Monthly Cost Reputation Score
See BBB Listing 2004 $99.95 8/10

Lexington Law is one of the oldest and most respected credit repair firms in the business. The law firm employs attorneys who specialize in working with the credit bureaus to have false information removed from its clients’ credit reports — with more than 9 million negatives removed to date.

Lexington Law will provide your partner with a one-time 50% discount when you and your spouse sign up for a service through the firm.

Sky Blue Credit Repair offers one credit repair service for a monthly fee, but you’ll receive a 50% discount on the second service when you and your significant other sign up together.

For the $79 monthly cost (per person, not including the discount), you’ll receive debt validation, goodwill letters, cease and desist letters, and debt settlement consultations that get results when removing false negatives from credit reports.

3. Ovation Credit Repair

Ovation Credit RepairOvation Credit Repair has more than 15 years of experience helping clients achieve the credit scores they deserve by working to remove unnecessary negatives from their credit reports. And when you sign up with your partner, you’ll both receive a 20% discount off your monthly fees.

Ovation’s services include a no-obligation free consultation in which you’ll meet with a credit counselor and go over your credit report and discuss potential items that the company can work to remove.

How Does Credit Repair for Couples Work?

Credit repair for couples works exactly as it does for one person — except it helps you and your significant other at the same time. Any company you consider hiring will start by meeting with both of you (usually over the phone) to go over your credit reports and discuss its services and which items you can expect to see removed.

The meeting will often take place separately, but some companies will meet with both of you at the same time.

If you hire the company, your representatives will start contacting all three credit reporting bureaus on your behalf to get the items removed. This process takes time, which is why most credit repair companies charge a monthly fee for their services.

The amount of time they’ll need to complete the services will depend on the condition of your credit report and the number of items you need removed.

Just keep in mind that no credit repair service can work to remove legitimate items from your credit report. If you genuinely missed payments, defaulted on loans, or made excessive charges to your credit cards, you’ll have to pay those debts down or wait for the negative items to age off your credit report.Chart Showing Time Items Take to Age Off a Credit Report

But if you have items that should have fallen off by now — or negatives that don’t apply to you or aren’t legitimate — a credit repair service can work to remove them and give your credit rating a quick boost.

The improvement you’ll see in your credit score will depend largely on your current credit rating and the number of items removed from your report. Once the credit repair company files a dispute on your behalf, the credit bureaus must view and respond to the request within 30 days under the Fair Credit Reporting Act (FCRA).

How Much Does Credit Repair Cost?

Choosing a credit repair service is kind of like buying a car. There are economy models, mid-size rides, and all-out luxury vehicles.

As with an automobile, each jump in classification comes with an accompanying bump in price. The program that will serve you best will depend on your credit repair needs.

Just as you don’t need a Lamborghini if you’re only taking your kids to school, a high-powered credit report package won’t serve you well if you have only a few items that need adjusting on your credit report. In fact, you may even be able to dispute those yourself.

And, just as you wouldn’t enter a Pinto into the Daytona 500, a low-end package may not help you much if your credit report is in shambles.

Lexington Law Pricing

Lexington Law, our top-rated credit repair service for couples, offers a 50% discount for the second service when you sign up together. It offers three levels of service starting at $89.85 per month.

The companies listed above have repair packages that range between $79 and $129.95 per month. Some firms charge an initiation fee when you set up your account, and others offer a 60- or 90-day money-back guarantee if they can’t remove items from your report.

The tier you choose likely won’t determine how quickly the firm removes your items. Instead, the different packages add extra layers of service to the whole plan and focus on more complex issues. A lower-end package may work to remove old late payments or defaults, but it won’t touch judgments or bankruptcies. You’ll need a premium package for those.

And since the entire process relies on the credit bureaus removing your items after receiving requests from the firms’ attorneys, there’s no guarantee as to how long your case will take. Most credit repair services say you’ll see a difference within 45 days. Others ask for as long as six months to make a significant impact on your credit report.

How Can I Fix My Credit Score in 30 Days?

There aren’t many ways to make a discernible difference in your credit score in 30 days, aside from paying down a large portion of your personal debt.

That’s because credit repair is a time-consuming process. A negative item on your credit report requires sending a removal petition to all three credit bureaus. After the bureau receives your request, it must investigate the matter before ruling to either remove the item or allow it to remain.

Most credit repair companies work in 45-day cycles — meaning that they’ll send out petitions and follow up occasionally with the expectation of seeing a change within 45 days. As stated above, the bureaus legally have 30 days under the FCRA to respond to the request for removal.

Chart Showing Levels of Late Payments

Late payments aren’t reported to the credit bureaus until the payment is at least 30 days past due.

Aside from paying down debt, you could request a goodwill late-payment removal from your credit card issuer. Occasionally, a lender will remove a late payment from your credit report if you don’t have a history of making repeat late payments.

Some lenders may choose not to make such considerations if you legitimately made a late payment, but it doesn’t hurt to try — especially since one removal can bump your score by as many as 90 to 110 points.

If you have accounts in collection, you can also contact the collection agency and negotiate to have the items removed from your credit report.

This will require you to pay the amount owed in full, but many agencies will remove the blemish on your credit report in exchange for getting paid.

Repair Your Credit Together

If you and your significant other both have bad credit, you won’t solve your financial issues by fixing just one of your credit reports. Once you have better credit, you’ll have to take on more responsibilities to make up for your partner’s poor credit history.

Those additional debts and obligations can sink your credit score again. That’s why you should consider going on the credit repair journey together.

Since the companies listed above offer discounts for multiple accounts, you’ll both save money in the short term and reap the financial rewards over the long term. And you’ll find that, with the best credit repair for couples, you’ll both share a sense of accomplishment when you see your scores improve.

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