Best credit repair companies for June 2025
You can file disputes with the credit bureaus to have errors removed from your credit report, but the process can be complex and time-consuming. A better idea: if you spot inaccurate or untimely information on your credit report, consider working with a credit repair company to get expert assistance.
These professionals analyze your credit history and file disputes on your behalf. Reputable credit repair companies also provide the tools and guidance needed to rebuild and protect your credit effectively.
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A closer look at our picks for the best credit repair companies
To find a credit repair service that fits your needs, it’s best to compare multiple credit repair companies. As you compare your options, pay special attention to service plans, fee structures and customer reviews.
Here is a list of the best credit repair companies to help you quickly compare popular providers and their offerings.
Credit Saint
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Credit Saint has a reputation for excellent customer service and solid results. With many positive reviews from satisfied customers, a 90-day money-back guarantee and online chat until 7:00 p.m., Credit Saint is a strong contender as one of the best credit repair companies.
- Maximum number of disputes: Unlimited with the Clean Slate plan
- Money-back guarantee: 90 days
- Start-up fee: Credit Polish: $99, Credit Remodel: $99, Clean Slate: $195
- Monthly fee: Credit Polish: $79.99, Credit Remodel: $109.99, Clean Slate: $139.99
Why Credit Saint is the best for simple credit repair options:Credit Saint offers straightforward packages, listed by level of aggressiveness to help customers easily choose the best credit repair solution for them. -
Safeport Law
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Safeport Law has a team of 27 licensed attorneys to offer true legal representation to consumers in credit disputes. This higher standard is part of why Safeport has earned accreditation from the Better Business Bureau, a rare distinction in the credit repair industry.
- Maximum number of disputes: Unlimited
- Money-back guarantee: 90 days
- Start-up fee: $89.00 or $129.00
- Monthly fee: $89.99 or $129.99
Why Safeport Law is the best for legal expertise:Safeport Law’s team of licensed attorneys work on behalf of consumers to get credit issues resolved. It's uncommon for credit repair companies to require law licenses, but customers can move forward with confidence knowing professionals who are well-versed in credit law are on their side. -
Lexington Law
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Lexington Law simplifies credit repair with a single comprehensive service package, eliminating the confusion of choosing between multiple plans.
- Maximum number of disputes: Up to six per cycle, depending on the credit bureau
- Money-back guarantee: None
- Start-up fee: None
- Monthly fee: $139.95
Why Lexington Law is the best for free educational resources:While most credit repair companies offer a few articles to give you a basic education on how credit works, Lexington Law offers a well-organized library of articles to help you fix, improve and build your credit. -
LegalHarbor
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LegalHarbor focuses the bulk of its services on disputing negative information on your credit reports. Your dedicated case manager will walk you through the credit repair process, and you can access your account at any time via an online portal.
- Maximum number of disputes: Unlimited
- Money-back guarantee: 90 days
- Start-up fee: As low as $99
- Monthly fee: As low as $79, $94, $119
Even its least expensive package includes disputes with all three credit bureaus, credit monitoring, identity theft protection and debt settlement services. -
CreditRepair.com
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CreditRepair.com is a budget-friendly credit repair company with easily accessible Spanish-language assistance. It also has excellent online educational resources and offers a value package and an advanced package to help customers find the right mix of services.
- Maximum number of disputes: Limited (not disclosed)
- Money-back guarantee: None
- Start-up fee: None
- Monthly fee: $49.95, $119.95
Why CreditRepair.com is the best for Spanish speakers on a budget:
With packages starting at just $49.95 per month and occasional discounts, CreditRepair.com is the most budget-friendly credit repair company that promotes Spanish language assistance. -
Credit Firm
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Founded in 1997, Credit Firm has helped over 100,000 customers, 97 percent of whom reportedly recommend the service to friends and family. While it lacks some standard features like credit monitoring, Credit Firm focuses heavily on dispute resolution, offering unlimited credit bureau challenges, inquiry disputes, debt validation and personal information corrections.
- Maximum number of disputes: Unlimited
- Money-back guarantee: None
- Start-up fee: None
- Monthly fee: $49.99
Why Credit Firm is the best for affordability:
With its low price point, Credit Firm is the most budget-friendly option of the best credit repair companies. -
Sky Blue Credit Repair
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Founded in 1989, Sky Blue is one of the most well-established credit repair companies. Its reasonably priced Full Service package includes a wide range of features, making it a great value, especially for couples who benefit from discounted pricing.
- Maximum number of disputes: Limited (not disclosed)
- Money-back guarantee: 90 days
- Start-up fee: None
- Monthly fee: Basic Service: $79 ($119 for couples). Full Service: $99 ($149 for couples), Premium Service: $119 ($179 for couples)
Why Sky Blue is the best for couples:While some other credit repair companies offer a family discount off the first month for spouses, Sky Blue offers lower monthly package rates for couples going through credit repair together. -
The Credit Pros
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The Credit Pros stands out with unique offerings like dark web monitoring, reference letters and a $5,000 credit builder loan (depending on the package selected). While it doesn’t offer a money-back guarantee, customers who are unsatisfied after 60 days can receive extended service equal to their paid months at no extra cost.
- Maximum number of disputes: Unlimited with the Prosperity and Success Plus plans
- Money-back guarantee: If you are not happy after 60 days, The Credit Pros will extend the service for free up to the number of paid months.
- Start-up fee: Build Credit: $119, Repair Credit: $129, Repair + Build Credit: $149
- Monthly fee: Build Credit: $69, Repair Credit: $129, Repair + Build Credit: $149
Why The Credit Pros is the best for a range of services:The Credit Pros offers packages ranging from the affordable, no-frills Build Credit plan to the robust Repair + Build Credit plan. Customers can choose which options best meet their needs. -
Other credit repair options to consider
Some credit repair options do not meet all criteria for a full Bankrate Score rating, but they can still be a viable option for those seeking credit repair services.
The Credit People
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The Credit People takes a straightforward approach, focusing on essential credit repair services without unnecessary extras. To ensure customer satisfaction, the company offers a refund for the previous month if you’re ever unsatisfied with your membership.
- Maximum number of disputes: Unlimited
- Money-back guarantee: Refund of your prior month’s payment at any time
- Start-up fee: None
- Monthly fee: Standard: $99, Premium: $119
Why The Credit People is the best for disputing many errors:The Credit People offers unlimited disputes with its lowest-priced plan. -
Bolster
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Bolster is a free financial app designed to help users improve and maintain good credit. The app integrates with the TransUnion credit bureau so users can review their TransUnion credit report and dispute any errors. The app can also analyze credit reports and spending habits to provide personalized recommendations for financial improvements.
- Maximum number of disputes: Unlimited
- Money-back guarantee: Not applicable
- Start-up fee: $0
- Monthly fee: $0
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What is credit repair?
Credit repair is the process of improving or restoring your credit score. While anyone can take steps to enhance their credit, the term "credit repair" often refers to professional services that help consumers dispute inaccurate, outdated or misleading information on their credit reports to boost their scores.
More especially, involves analyzing your credit report to identify negative items and creating a plan of action to address them. If inaccurate or untimely information is present, you can file disputes with the credit bureaus to have them removed.
If the negative items are correct, you must find other ways to address them. This could mean bringing past due accounts current or requesting a goodwill adjustment from the creditor if the late payment was an isolated incident. Or you could pay down the balances on your revolving debts (i.e., credit cards, lines of credit) to improve your credit utilization ratio. And if you have a collection account, the agency may agree to remove the account from your credit report in exchange for payment, often referred to as a pay-for-delete agreement.
Credit repair professionals also advise clients to keep old accounts in good standing open and to refrain from applying for new credit. That’s unless you absolutely need it or if you need to improve your credit mix.
Credit repair terms to understand
Before hiring a professional credit repair company to work on your behalf, understand these frequently used industry terms:
Quick definitions
- Bankruptcy
- Bankruptcy is a legal strategy used as a last resort by consumers who cannot afford to repay their debts, with an outcome of either a discharge or structured payment plan that spans three to five years.
- Creditor
- It is the financial entity that you owe and are legally obligated to repay for the outstanding loan, credit card or other form of debt.
- Credit history
- Your credit history is a detailed record of how you’ve managed debt obligations over time, and it is reflected in your credit report.
- Credit score
- It is a three-digit number between 300 and 850 that is computed based on the information in your credit report, and a representation of your creditworthiness.
- First-work fee
- Credit repair companies are prohibited from charging fees before services are rendered, so many assess a “first-work fee” to cover the cost of analyzing your file and preparing initial disputes.
What are the pros and cons of professional credit repair?
Pros
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Expedited process. Reputable credit repair companies can quickly identify issues on your credit report and take the necessary steps to resolve them.
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Improved score. If the negative items are removed from your credit report, you could see a significant improvement in your credit score.
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Valuable insight. Credit repair typically includes guidance on how to optimize your credit health beyond the dispute process.
Cons
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Financial commitment. Professional credit repair comes at a cost, starting with the “initial setup fee” followed by a monthly subscription fee or flat-rate after services are provided.
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Unethical companies. Some companies make false promises or take money from innocent consumers without actually doing the work.
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Unknown outcomes. There are no guarantees with credit repair, and your score could remain stagnant or only improve slightly.
How do you choose a credit repair company?
Choosing a credit repair company starts with knowing what services you need and then researching and comparing companies to find the best fit.
There are several factors to consider when comparing credit repair companies, including:
- Cost: How much is the monthly fee, and is it worth the services that are offered? Additionally, many credit repair companies charge a start-up fee or “first work fee” as compensation for the initial review of your credit report.
- Free trial: Some companies offer a complimentary trial period so you can test the service.
- Guarantees: Some credit repair companies offer a money-back guarantee. Pay close attention to the terms of any such guarantee so you know when you could be entitled to a refund and how to claim it.
- Number of monthly disputes: Repairing your credit already takes time. The credit repair process may take even longer if you have numerous credit issues and a company limits monthly disputes.
- Services: What plans and services does the company offer? Do you need basic repair services, or are you looking for a full-service company that offers credit monitoring, identity theft protection and customized credit repair strategies?
It’s also a good idea to read online customer reviews and check for any complaints filed with the Consumer Financial Protection Bureau (CFPB) before enrolling with a credit repair company. It's also wise to look for the don’t forget tell-tale signs of a credit repair scam.
Signs of a credit repair scam
While legitimate credit repair companies can help you understand and address errors on your credit report, some take advantage of consumers with misleading promises or illegal practices. Knowing how to spot a scam before handing over your money or sensitive personal information is important. The following practices are red flags to of a credit repair scam:
- They demand payment upfront. Legitimate companies can’t charge you before they’ve performed services, according to the Credit Repair Organizations Act (CROA).
- They promise a specific score boost. No one can guarantee a certain number of points added to your credit score — results vary based on your unique credit history.
- They suggest you create a “new” credit identity. If a company tells you to use a new Social Security number or apply for an Employer Identification Number (EIN) to start over, walk away. That’s illegal and could lead to criminal charges.
- They ask you to lie or dispute accurate information. It’s fraudulent to challenge negative but truthful items on your credit report. A reputable company will focus on correcting actual errors.
- They don’t explain your legal rights. Scammers may avoid telling you that you can dispute credit report errors for free, on your own, through the credit bureaus.
- There’s no written contract. The CROA requires credit repair companies to provide a written contract outlining your rights and the services they’ll provide.
- They use high-pressure tactics. Be wary of companies that rush you into signing or make you feel panicked about your credit situation.
If a credit repair company raises any of these red flags, it’s best to walk away. You can often take steps to repair your credit on your own, for free.
Frequently asked questions
Methodology
To evaluate the best credit repair companies, the Bankrate team evaluated: