Writer: Adam West
Editor: Lillian Guevara-Castro
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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 84 million items removed from their credit reports
- Get started today with a free online credit report assessment
- Cancel anytime
- See official site, terms, and details.
| Better Business Bureau | In Business Since | Monthly Cost | Reputation Score |
|---|---|---|---|
| See BBB Listing | 2004 | $139.95 | 8/10 |
Lexington Law is one of the oldest and most respected credit repair firms in the business. The law firm employs attorneys who focuses on working with the credit bureaus to have false information removed from its clients’ credit reports. In 2024, Lexington Law Firm clients saw an average of five items removed from their credit reports.
Lexington Law will provide your partner with a one-time 50% discount on the first payment when you and your spouse sign up for a service through the firm.
- Best-in-class support
- In business since 1989
- Rapid 35-day dispute cycle, tailored to your situation
- 90-day 100% money-back guarantee
- Low $79 cost to get started, cancel or pause membership anytime
- See official site, terms, and details.
| Better Business Bureau | In Business Since | Monthly Cost | Reputation Score |
|---|---|---|---|
| A+ | 1989 | $79 | 9.5/10 |
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 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.
When you hire the company, your representatives will reach out to all three credit reporting bureaus on your behalf to remove the items. This process takes time, which is why most credit repair companies charge a monthly fee.
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.
It’s important to remember that no credit repair service can erase legitimate items from your credit report. If you’ve truly missed payments, defaulted on loans, or maxed out your credit cards, you’ll need to tackle those debts yourself or wait for the negative items to naturally fall off your credit report over time.
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 boost you’ll see in your credit score largely depends on your current credit status and how many items are removed from your report. Once the credit repair company disputes an item for you, the credit bureaus have to review and respond to the request within 30 days as required by 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.
The companies we mentioned offer repair packages ranging from $79 to $139.95 per month. While some firms might charge an initiation fee to set up your account, others provide a 60- or 90-day money-back guarantee if they fail to remove items from your report.
The package you select probably won’t affect how fast a firm can remove items from your credit report. Instead, each package adds different services and tackles more complex issues. A basic package might help eliminate old late payments or defaults, but it won’t cover judgments or bankruptcies. For those, you’ll need a premium package.
Since the entire process depends on credit bureaus removing items after receiving requests from the firms’ attorneys, there’s no telling how long your case might take. Most credit repair services claim you’ll notice a difference within 45 days, while others ask for up to six months to significantly impact 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 operate in 45-day cycles. This means they’ll send petitions and occasionally follow up, expecting changes within that period. As mentioned earlier, the bureaus have 30 days under the FCRA to respond to a removal request.
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 both you and your partner have bad credit, fixing just one credit report won’t solve your financial challenges. Once your credit is better, you’ll need to take on extra responsibilities to compensate 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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