The very best

Credit Repair Companies

of 2022 Based on rankings from 16 third-party reviews sites and 5,049 individual reviews

Sky Blue Credit

6001 Broken Sound Parkway, Ste 300 Boca Raton, FL 33487

Sky Blue Credit has offered credit repair and restoration services since 1989. Sky Blue Credit operates in strict compliance with the Credit Repair Organizations Act and is licensed and registered with the States Attorney General offices as required.[https://skybluecredit.com/about-us/:-::-:July 27, 2018]

  • Disputes 15 items (5 items per bureau) every 35 days[https://skybluecredit.com/the-sky-blue-difference/:-:The Sky Blue Difference:-:July 27, 2018]
  • 90 day money-back guarantee[https://skybluecredit.com/a-clear-guarantee/:-:A Clear Guarantee:-:July 27, 2018]
  • Non-commissioned sales staff[https://skybluecredit.com/best-in-class-support/:-:Best in Class Support:-:July 27, 2018]
Visit Website
Call 1-800-790-0445

  1. 75% top 3
  2. 87% inclusion
1
After hours of research, poring over past customer reviews, and chatting with firm representatives, our #1 rated credit repair company is Sky Blue Credit Repair.
- Prevent Loan ScamsSkyBlue is hands-down the best credit repair service for those who are in need of credit repair.
- Simple. Thrifty. Living.They offer a quality service for a reasonable price, but if you are not satisfied with the results, the 90-day money-back guarantee will refund you right away.
- CreditRepairExpert.org

Credit Saint

PO Box 110 Oakland, NJ 07436-0110

Visit Website
Call 1-877-637-2673

  1. 43% 1st place
  2. 62% top 3
  3. 68% inclusion
2

Lexington Law

360 N. Cutler Drive, North Salt Lake Utah, 84054

Since 1991, Lexington Law Firm has led the charge to bring ethical and effective credit repair services to consumers. Lexington Law Firm has assisted more clients in their fight for fair credit than any other credit repair company or firm.[https://www.lexingtonlaw.com/about-lexington-law/trusted-leaders:-:Why Trust Lexington Law for Credit Repair?:-:July 13, 2018] Lexington Law Firm is a DBA registered to John C. Heath, Attorney at Law, PLLC.[https://www.bbb.org/utah/business-reviews/credit-repair-no-advanced-fee/lexington-law-firm-in-north-salt-lake-ut-2000829:-:BBB Business Profile | Lexington Law Firm:-:July 13, 2018]

  • Network of 24 lawyers in 19 states[https://www.lexingtonlaw.com/about-lexington-law/trusted-leaders:-:Why Trust Lexington Law for Credit Repair?:-:July 13, 2018]
  • Clients saw over 9,000,000 negative items removed from their credit reports in 2016[https://www.lexingtonlaw.com/credit-repair-services/results:-:Our Proven Credit Repair Results:-:July 13, 2018]
  • Obtains client credit reports from all three credit bureaus[https://itunes.apple.com/us/app/lexington-law/id593682112:-:Lexington Law - Credit Repair on the App Store:-:July 13, 2018]
Visit Website
Call 1-800-608-8004

  1. 31% 1st place
  2. 56% top 3
  3. 81% inclusion
3
In regard to the information above and the Lexington Law reviews collected, we recommend Lexington Law as the best company to work with to repair your credit.
- BestCompanyLexington has the most in-depth education services of any credit repair service we reviewed and is the winner of our Top Ten Reviews Gold Award.
- Top Ten Reviews...with more than 25 years of experience, a proven record of success, and a wealth of positive consumer reviews, Lexington Law is our top pick.
- badcredit.org

Ranking the top credit repair companies

We've gathered the data, crunched the numbers, and produced a definitive ordering.

Ranking Sites We seek out credit repair reviews sites that use a variety of philosophies and ordering criteria to create their lists of the best companies. These lists are then combined using our ranking algorithm to create a single master list.
Consumer Reviews Next, we scour popular reviews sites such as Google, Yelp, and the BBB to collect customer reviews of the various companies in the industry. We normalize these reviews and combine them to produce an aggregate review score for each.

CreditRepair.com

2850 S Decker Lake Drive, West Valley City, Utah 84119

CreditRepair.com bills itself as a leading provider of credit report repair services whose team of credit experts educates and empowers individuals to achieve the credit scores they deserve. CreditRepair.com's technology provides members a personal online dashboard, a credit score tracker and analysis, creditor and bureau interactions, mobile apps, text and email alerts, and credit monitoring.[https://www.creditrepair.com/newsroom/news/creditrepair-com-releases-online-video-series-to-respond-to-top-credit-questions-in-america/:-:CreditRepair.com Releases Online Video Series to Respond to Top Credit Questions in America:-:July 27, 2018]

  • Average 40 point TransUnion® credit score gain during four months of membership
  • iOS and Android progress tracking apps
  • Service includes credit monitoring provided by TransUnion[https://www.creditrepair.com:-::-:July 27, 2018]
Visit Website
Call 1-855-255-0238

  1. 81% inclusion
4
Hiring this knowledgeable team may especially be a great option if you face issues on your credit report that relate to complicated legal issues, such as divorce, identity theft, or outstanding medical expenses.
- credit.comCreditRepair.com actually does a good job in removing negative items from their credit reports... A good choice for credit repair shoppers who have the budget.
- ConsumersAdvocate.org

The Credit People

6975 S Union Park Avenue, Suite 600, Cottonwood Heights, UT 84047

Founded in 2001, The Credit People has assisted over 100,000 people with their credit.[https://www.thecreditpeople.com/why-us/index.html:-::-:July 27, 2018] The company prides itself on a philosophy of Score-Driven Results® where traditional disputes are paired with additional tactics specifically designed to increase the credit score.[https://www.thecreditpeople.com/about/who-we-are/why-credit-people/index.html:-::-:July 27, 2018]

  • 30% average increase in credit scores[https://www.thecreditpeople.com/pricing:-::-:July 27, 2018]
  • Experience processing over 310,000 unique credit reports[https://www.thecreditpeople.com/why-us/index.html:-::-:July 27, 2018]
  • Service includes starting credit reports and credit scores[https://www.thecreditpeople.com/about/who-we-are/why-credit-people/index.html:-::-:July 27, 2018]
Visit Website
Call 1-866-382-3410

  1. 25% top 3
  2. 75% inclusion
5

Other companies receiving consideration

These are the credit repair companies that may not have cracked the top 5 but are certainly worthy of being mentioned.

Ovation Credit Services
  1. 50% inclusion
  2. https://ovationcredit.com
  3. 1-866-639-3426

The Credit Pros
  1. 37% inclusion
  2. https://thecreditpros.com
  3. 1-877-926-0669

Credit Assistance Network
  1. 18% inclusion
  2. https://www.creditagenda.com
  3. 1-800-811-3078

Pyramid Credit Repair
  1. 18% inclusion
  2. https://pyramidcreditrepair.com
  3. 1-855-984-1867

My Credit Group
  1. 6% inclusion
  2. https://www.mycreditgroup.com
  3. 1-855-598-0446

Credit Firm
  1. 12% inclusion
  2. https://www.creditfirm.net
  3. 1-800-750-1416


What is credit repair?A traditional definition of credit repair is working to remove erroneous entries from your credit report through tactics such as credit bureau disputation. A more holistic definition of credit repair encompasses a wide range of methods designed to increase your credit score. This includes removing questionable negative items from a credit report, intelligently adding good credit, tweaking your credit utilization ratios, and more.
Is it legal to remove items from a credit report?In short, absolutely.

Your credit report contains a collection of information about you that is reported by your creditors and stored by a credit bureau. And just like when your waiter or waitress forgets to bring out a side or flat out gets your order wrong, creditors can and do make errors when reporting to the credit bureaus. Fortunately, the Fair Credit Reporting Act gives you the legal right to dispute these errors as well as information you feel is misleading, unverifiable, or otherwise paints an inaccurate picture of your true credit-worthiness.
Can I repair my own credit?Yes, you have every right to work to repair your own credit report. Anything a credit repair company can do; from obtaining your credit reports to submitting credit bureau disputes to working with your creditors, is something you can do for yourself.

Of course, you can say the same about a lot of services. You can cut your own hair, repair your own car, or even manufacture your own clothing, but many people choose to enlist the help of a trained professional instead of going it alone. Credit repair is the same. Hundreds of thousands of people have opted to use a credit repair professional to work on their credit score in lieu of becoming a credit expert themselves.