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Best credit repair companies for February 2025
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A low credit score can cost you thousands in interest expenses and limit your financial opportunities. Credit repair helps you identify and address the issues affecting your credit, setting you on the path to a better score. However, navigating the process alone can be complex and time-consuming.
Instead of handling it yourself, you can work with a credit repair company to get expert assistance. These professionals analyze your credit history, dispute inaccurate records on your credit history and provide the tools and guidance needed to rebuild and protect your credit effectively.
Lexington Law
Why Lexington Law is the best for free resources:
While most credit repair companies publish articles periodically to help you understand how credit works, Lexington Law offers a well-organized library of articles to help you fix, improve and build your credit.
CreditRepair.com
Why CreditRepair.com is the best for Spanish speakers on a budget:
CreditRepair.com offers resources for Spanish speakers and affordable packages.
Credit Saint
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.
Credit Firm
Why Credit Firm is the best for affordability:
Credit Firm’s range of dispute services is extensive, particularly given the comparatively low price point.
Sky Blue Credit Repair
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
Why The Credit Pros are the best for variety of services:
The Credit Pros offers packages ranging from the affordable, no-frills Money Management plan to the robust Success Plus plan. Customers can choose which options best meet their needs.
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.
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 eight 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. -
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. -
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: $49.95, $119.95
- Monthly fee: $49.95, $119.95
Why CreditRepair.com is the best for Spanish speakers on a budget:
With packages starting at just $69.95 per month and occasional discounts, CreditRepair.com is the most budget-friendly credit repair company that promotes Spanish language assistance. -
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. -
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 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: $19
- 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. -
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 companies 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.
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. It's uncommon for credit repair companies to require law licenses. 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: Undisclosed
- Money-back guarantee: 90 days
- Start-up fee: $129.00
- Monthly fee: $129.99
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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.
Is it possible to do credit repair yourself?
Yes, you can repair your credit on your own. It just takes some time and patience. The process involves reaching out to the three major credit bureaus, Equifax, Experian and TransUnion, to dispute inaccurate information on your credit report.
You can also work directly with creditors or debt collectors to dispute errors, negotiate repayment plans or request goodwill adjustments, all of which may help improve your credit score. However, some people choose to hire a credit repair company to save time and benefit from the expertise of professionals who handle credit disputes regularly.
How can you avoid credit repair scams?
While credit repair is a legitimate service, some fraudulent companies prey on consumers seeking to improve their credit. To protect yourself from credit repair scams, follow these precautions:
- Check customer reviews. Look for feedback from real clients to gauge the company's reputation.
- Ignore unsolicited offers. Be cautious of unexpected emails, calls or messages promising fast credit fixes.
- Avoid companies that claim to dispute accurate information. Legitimate credit repair services focus on correcting errors, not falsifying records.
- Verify compliance with the Credit Repair Organizations Act (CROA). Reputable companies follow legal guidelines to protect consumers.
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.
Frequently asked questions
Methodology
To evaluate the best credit repair companies, the Bankrate team evaluated: