2021‘s Best Credit Repair Companies & Services

The best credit repair companies offer consumers an easy way to fix bad credit and raise credit scores. Below are the top credit repair services based on BBB ratings and reviews by the BadCredit.org staff. Each service queries major credit bureaus to get your current FICO score and credit report, helps identify which items on your credit history need fixed, and takes action on your behalf to improve your credit:

Advertiser Disclosure
  • 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
  • Click here for sign-up, terms, and details.


Overall Rating

Better Business Bureau In Business Since Monthly Cost Reputation Score
See BBB Listing 1997 $99 9.5/10

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Review Breakdown: Best Credit Repair

Fixing your credit history can seem like a tall order, especially given the number of creditors and credit bureaus you might have to deal with to get your credit issues fully squared away. Fortunately, the top credit restoration services make this process an easy one. Below is a summary of our trusted services, along with basic facts and ratings for each. To get a consultation for your credit situation, click the name of the repair service you prefer to visit its confidential online signup.

Here are 2021's best credit repair services:

Best Credit Repair Services
Rank Repair Service BBB Rating Business Since Expert Rating
1 Lexington Law See BBB Listing 2004 ★★★★★4.9
2 CreditRepair.com See BBB Listing 1997 ★★★★★4.5
3 Sky Blue Credit Repair® See BBB Listing 1989 ★★★★★4.5
4 Credit Assistance Network A+ 2004 ★★★2.5

5 Questions Answered About Credit Repair Services

Brittney Mayer

Expert Guide By:

Brittney Mayer, Credit Analyst


According to a study by the Federal Trade Commission, about 1 in 5 American adults has an error on at least one of their credit reports. Errors on your report can impact your credit score, potentially leading to increased fees and interest rates on your next credit card or loan.

A reputable credit repair service can help remove erroneous accounts from your credit reports, which can quickly boost your FICO score upon removal of the false information.

1. What is Credit Repair?

While there is no official definition for credit repair, in general, it is the process of addressing errors and negative items on your credit reports, such as charge-offs, late payments, and collections.

The simplest form of credit repair involves disputing wrong or expired information on your credit report with each of the three credit reporting bureaus — Experian, Equifax, and TransUnion.

More complicated cases, such as those involving identity theft, may require more significant credit repair procedures. Some repair organizations also offer resources on credit counseling, debt consolidation, unlimited dispute letters, debt collectors, fraud alerts, avoiding credit repair scams, and other ways to successfully obtain a good credit standing.

2. How Much Does Credit Repair Cost?

Just as with any service, the cost of your credit repair will vary based on how much work it will take to solve your problem and the solution you choose.

A full-service option, such as a credit repair agency, may cost more because they take care of everything for you while doing it yourself costs less because you’re not paying for professional assistance.

Credit Repair Agencies ($49 – $139/Month)

Enlisting the services of a credit repair agency is often the easiest way to complete the credit repair process.

Most companies charge a monthly fee, ranging from about $50 to over $100. Fees will vary not only from company to company, but will also depend on the types of services you need.

If you have a complicated case or a large number of errors to dispute, you may be charged more than if you only have a few items that need to be addressed. The more complex your repair, the longer it will take — and monthly fees can add up after a while.

Credit Repair Software (Up to $399+)

As with a repair company, credit repair software will vary in cost depending on the features it offers — the less you pay for your software, the less you’re likely to get.

At the low end of the spectrum, expect a bare-bones collection of templates and tips for you to go about the process on your own, and maybe some simple calendars. For an attractive user interface, automated reminders, and comprehensive letter generators, you should be prepared to spend at least a few hundred dollars.

However, once you pay for the software you own it and are free to use it anytime a future credit repair need arises.

Free Credit Repair (DIY)

The only truly free credit repair solution is to do it yourself. All three of the major credit bureaus now offer online portals where you can file your dispute or check the progress of an existing dispute.

Keep in mind that as with most things, you get what you pay for — especially when it’s free.

If you have a large number of disputes, are battling fraud, or have other complications, it could be worth the money to spring for the help of a credit repair professional who knows exactly how to repair your credit.

3. What are the Best Credit Repair Companies?

While the best credit repair company is the one you feel comfortable using, there are a lot of factors to consider when comparing.

While things like fees and features may be more obvious, don’t forget to check the company’s status with the BBB and industry associations; if the company has a bad reputation among other companies, you should heed the warning.

Credit Repair Reviews — 3 Top Credit Repair Companies

If you don’t know where to start or want an expert opinion on a good place to begin your search for a credit repair company, check out our top-rated suggestions.

1. Lexington Law Credit Repair

A group of consumer advocacy law firms, Lexington Law offers its clients over 25 years of credit repair experience. Lexington offers a free consultation and reasonable monthly fees, all backed by a solid reputation and round-the-clock client support.

2. Sky Blue Credit Repair

Offering a flat-rate payment structure and lower-than-average monthly fees, Sky Blue is an affordable option for a credit repair company with a BBB score of A+. Sky Blue has a dedication to speed, advertising an average of 15 disputes (5 items per bureau) every 35 days.

3. CreditRepair.com

With customized tools and a focus on technology, CreditRepair.com offers both an online dashboard and a mobile application. Clients can track the status of their disputes, as well as changes in their credit score, from wherever they need to be.

4. Is Credit Repair Fast?

The amount of time your credit repair process takes will depend on your personal situation. The more disputes you have, the longer it will take to resolve them all.

Once a bureau receives a dispute, it is required by law to investigate the matter within 30 days. If the dispute is valid, the bureau will remove or update the item(s) so that your report is accurate. This same process must be repeated with each bureau whose credit report shows the same mistake(s).

Expect credit repair to last at least six weeks, but it could take much longer.

5. Does Credit Repair Really Work?

The effectiveness of credit repair is a bit of an eye-of-the-beholder deal. Insofar as credit repair is a process designed to remove errors and certain negative accounts from your credit report, then it does work — the credit repair process can effectively help remove disputable items.

On the other hand, many people undergo the credit repair process in the hopes of improving a poor credit score. In this respect, credit repair may only sometimes work.

Successfully removing an item from your credit report can only improve your credit score if the removed item is hurting your credit score in the first place. There is no guarantee that credit repair will impact your credit score at all, as many variables are taken into account when calculating your score.

Either way, you should always remove any errors or outdated information from your credit report — regardless of the actual effect on your score — as soon as you discover them. A clean credit report can give you peace of mind the next time you apply for a loan; you’ll know that an inaccurate credit score isn’t holding you back from qualifying for a better interest rate, saving you time and money in the long run.

About The Author

Brittney Mayer Credit Analyst Brittney Mayer

Brittney Mayer is a credit strategist and contributing editor for BadCredit.org, where she uses her extensive research background to write comprehensive consumer guides aimed at helping readers make educated financial decisions on the path to building better credit. Leveraging her vast knowledge of the financial industry, Brittney’s work can be found on a variety of websites, including the National Foundation for Credit Counseling, US News & World Report, NBC News,TheSimpleDollar.com, CreditRepair.com, Lexington Law, CardRates.com, and CreditCards.com, among others.

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