12 Best Credit Repair Companies

Your credit score impacts your ability to get loans and other types of credit. It can even affect your insurance rates or your ability to get a job or apartment.

But what happens when your credit score takes a hit? You might be able to fix it alone, but working with a credit repair company can make your life much easier.

These are the best credit repair companies in 2026 and what you should know about each.

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Key Takeaways

• Credit repair companies dispute

  errors on your reports, monitor results and offer add-ons like identity theft protection. Monthly costs range from about $28 to $200, and most providers ask for an upfront working fee.

• Top picks vary by need.

  Credit Saint, Sky Blue Credit and Lexington Law lead on experience, while Credit Versio and CreditStrong fit a do-it-yourself or credit-building approach at lower cost.

• Before you sign up,

  check Trustpilot and BBB ratings, ask about timelines and refunds and compare fees. If your report has few errors, dispute them yourself for free at AnnualCreditReport.com.

Summary generated by AI, verified by MoneyLion editors

1. Credit Saint, LLC

Credit Saint is a New Jersey-based credit repair company. They’ve been helping customers repair their credit for the past 15+ years.

Their pricing packages:

• Credit Polish Package: This plan comes with five credit agency challenges every cycle. It also includes score tracking and analysis, credit intervention letters, and a credit report. It costs $79.99 a month (plus a $99 initial working fee).

• Credit Remodel Package: You’ll get everything from the previous package, plus inquiry targeting, real-time account sync, and a personalized guide to credit. It costs $109.99 a month (plus the $99 initial working fee).

• Clean Slate Package: This includes everything from the previous packages plus unlimited challenges to all three credit bureaus, three credit reports and scores, and access to the Acqualify Loan Readiness Program. It costs $139.99 a month (plus a $195 working fee).

Credit Saint also offers a 90-Day Money-Back Guarantee. If nothing is deleted from your credit history during this time, you’ll receive a full refund.

Note that this credit repair company is BBB accredited with an A- rating. It also has 4.0 stars on Trustpilot. While most reviews are positive, some customers mentioned extra fees and not receiving a refund.

2. CreditRepair.com

CreditRepair.com has helped over 28 million people with their credit over the past 9+ years. They have a straightforward process in which they analyze your credit reports for errors, challenge them, and monitor the results. They also offer a free credit score and report summary.

CreditRepair.com has two packages:

• Value Service Package: You get challenges and disputes with all three credit bureaus. You also get creditor interventions, ID Theft Insurance, and FICO score updates. It costs $49.95 a month (plus a first payment fee).

• Advanced Service Package: This package includes everything from the other package plus more credit bureau challenges, more creditor interventions, credit score updates, and cease and desist interventions. It costs $119.95 a month (plus a first-work fee of $119.95).

CreditRepair.com is currently not BBB accredited. It does have several 5-star reviews on Trustpilot, but its overall rating is 1.4 stars. It might be best for those who know they have errors on their report but aren’t sure how to dispute them.

3. The Credit People

Founded in 2001, The Credit People is split between several teams, including the Score Analysis Team and the Credit Repair Team. The company has processed over 310,000 unique credit reports.

The Credit People offers a free consultation, as well as three packages:

• Standard Package: This package includes unlimited challenges with all three major credit bureaus, as well as “before and after” credit scores. It costs $99 a month and is pay-as-you-go.

• Premium Package: This includes everything from the previous package plus monthly reports and scores, creditor interventions, and escalated disputes and validations. It costs $119 a month.

• Premium Flat Rate Package: This is essentially the Premium Package, except you pay a flat rate of $599 for six months. This means you’re ultimately paying less over the long run.

The Credit People is praised for its simple credit repair process and pricing structure. It’s not BBB accredited, but it does have an A+ rating. Customer reviews indicate good service but limited results.

4. Sky Blue Credit

In business since 1989, Sky Blue Credit takes a very methodical approach to credit repair. Their three pricing packages are:

• Basic: This includes three credit bureau reports and scores, disputes, one-on-one consultations, score tracking, 24/7 client portal access, and 60-day credit updates. It costs $79 a month ($119 for couples).

• Full Service: This includes everything in Basic, but you get 45-day credit updates instead of 60. It also comes with credit interventions and a credit builder tool. It costs $99 a month ($149 for couples).

• Premium: With this, you get everything from the previous package plus monthly inquiry disputes, debt validation letters, cease and desist letters, and personal information correction letters. It costs $119 a month ($179 for couples).

Sky Blue Credit offers flexible payments and lets you cancel at any time. On Google Reviews, they have a 4.2-star rating with most customers indicating good service and results. They are not BBB accredited, but they do have an A+ rating.

5. MSI Credit 

Since 2006, MSI Credit has helped over 70,000 clients repair their credit. Like many credit repair companies, they offer a free initial consultation.

They don’t clearly list their packages online, so expect some customization here. Pricing also varies, but their site lists the following:

• $98 for an individual account

• $69 each for couple accounts

• $98 one-time setup fee

• 100% refund guarantee

MSI Credit also provides a credit report review and assessment, customized solutions, credit bureau auditing, credit score optimization coaching, creditor auditing, and financial savings opportunities. The program typically lasts six months.

The company isn’t BBB accredited, but they have 4.8 stars on Trustpilot. Many reviews compliment their great customer service and positive results. A few indicate faster results with an alternative company.

6. Safeport Law

Since launching in 2022, Safeport Law has been helping customers repair their credit and resolve errors on their reports. Their simple process starts with you providing basic personal info so they can pull your credit report. This part is free. They’ll then review your credit history, identify negative items, and look for ways to optimize your report.

Safeport Law offers two packages:

• Credit Cleanse: This package offers challenges to all three credit bureaus, score tracking, score analysis, and dispute management. It’s $89.99 a month (plus a $89 initial working fee).

• Credit Cleanse+: This package includes all of the above plus creditor interventions and inquiry targeting. It costs $129.99 a month (plus an initial $129 working fee).

Safeport Law also offers a 90-day money-back guarantee.

Notably, this credit repair company doesn’t have a Trustpilot presence. But on Google Reviews, they have 4.7 stars. Many reviews indicate great customer service, but details on actual progress are limited. On BBB, they’re accredited with an A- rating.

7. Lexington Law

Perhaps one of the simplest credit repair options is Lexington Law, which has been in operation since 2004. They offer one package:

• Premium Service: This package includes credit bureau challenges, personalized score improvement strategies, access to skilled lawyers/paralegals, identity theft insurance ($1 million coverage), and Monthly Transunion FICO® score updates. It costs $139.95 a month.

There’s no cost to you for the first five to 15 days.

Lexington Law’s process is straightforward. It starts with a credit report analysis, after which they’ll help you create a plan based on any negative items they find. They’ll then proceed to disputing any errors, escalate disputes, and monitor your credit for changes. The process typically takes around six months.

On Trustpilot, the company has 3.2 stars. Most reviews indicate great customer service and trustworthy service. A few customers feel the package costs too much.

8. Credit Firm

Credit Firm has been helping people improve their credit since 1997. They have a simple process that starts with a free phone or online consultation. Then, their legal staff will review your credit reports and create an Action Plan targeting any negative marks. They’ll then proceed with investigations with all three credit bureaus and collection agencies.

Credit Firm has one all-inclusive plan. It includes:

• Unlimited credit bureau challenges

• Unlimited procedural request verification

• Unlimited personal info variance challenges

• Unlimited inquiry challenges

The plan costs $49.99 a month, but you can cancel at any time.

While not accredited on BBB, Credit Firm does have an A rating. On Trustpilot, it has 3.3 stars. Many reviews indicate significant credit score improvements, though a few mention the customer service is lacking.

9. LegalHarbor

While online information is scarce, LegalHarbor’s goal is to help people with their credit and finances. Like most credit repair companies, they’ll analyze your credit report and dispute any errors to help you build credit.

They have three packages:

• Essential Credit Clean Up: This plan includes four rounds of disputes (up to 15 per cycle). It also comes with 10 hard inquiry disputes, a dedicated case manager, credit monitoring, 24/7 access to a user portal, secondary bureau freeze letters, and creditor validation letters. It costs $129 monthly (plus a $129 setup fee).

• Intense Credit Clean Up: This plan comes with four rounds of disputes (up to 30 per cycle) and 15 hard inquiry disputes. Besides that, everything else is the same as the previous package. It costs $159 monthly (plus a one-time $159 setup fee).

• Premier Credit Enhancement: This includes everything from the previous package, but the disputes are unlimited. It costs $199 monthly (plus a $199 setup fee).

LegalHarbor also has customizable plans, so pricing may vary. Additional options include credit monitoring, identity theft protection, debt settlement, and personalized service. The company has a 90-day performance-based money-back guarantee.

It’s worth noting that LegalHarbor doesn’t have much of an online presence besides its website. They don’t have a BBB or Trustpilot page.

10. The Credit Pros

The Credit Pros is a financial technology firm that’s been around for 14+ years. The company offers several services, ranging from credit advice and education to repair. Their three packages are:

• Money Management Plan: This package is primarily designed to help you build credit. It includes positive payment reporting, one bureau report and score, fraud alerts (TransUnion), real-time account sync, bill reminders, and a debt payoff and budgeting system. It costs $69 monthly (plus a $119 first work fee).

• Prosperity Plan: This plan is dedicated to repairing credit. It includes unlimited disputes with all three bureaus, access to your reports and scores, credit interventions, ceases and desist letters, darkweb monitoring, and everything else from the previous plan (except positive payment reporting). It also comes with letters of reference. It costs $129 monthly (plus a $129 first work fee).

• Success Plus Plan: This plan emphasizes credit repair and credit building. It includes everything the company has to offer plus a credit-building tradeline. It costs $149 monthly (plus a $149 first work fee).

The Credit Pros is not BBB accredited, but they have a B+ rating. On Trustpilot, they have 4.9 stars with over 4,000 reviews. Many customers mention excellent service, though a few indicate minimal results.

11. Credit Versio

Credit Versio isn’t a traditional credit repair company. Rather, it’s an AI-powered system that provides you the tools needed to repair your own credit. It’s basically a DIY route.

With Credit Versio, you can manage your credit reports, identify errors, and create a dispute resolution strategy. You can also track your results online.

Credit Versio has two plans:

• Smartcredit Basic: You get unlimited disputes plus two monthly credit reports and score updates from the three bureaus. You also get credit monitoring with real-time alerts and identity theft insurance. It costs $27.95 a month.

• Smartcredit Premium: The only difference with this plan is that you get unlimited reports and score updates. It costs $29.95 a month.

Credit Versio has 4.1 stars on Trustpilot. Positive reviews indicate that the app is easy to use and that their credit score improved more than expected. A few customers indicate mixed results, though.

12. CreditStrong

CreditStrong helps you build or repair credit from wherever you’re at. The company’s main page even mentions that the average FICO Score 8 increases by 88 points.

There are three plans:

• Revolv: This plan involves building revolving credit without a credit card. It reports a revolving tradeline ranging from $1,000 to $10,000. It’s geared toward reducing your credit utilization. It starts at $15 a month.

• Magnum: This plan is for those wanting to build long-term installment credit and positive payment history. It reports a revolving tradeline up to $25,000. It can also help you build up to 120 months of payment history. It starts at $16 a month.

• Install: With this plan, you get a small installment credit builder account to build savings and credit. It reports a $1,010 installment tradeline and lets you build up to 48 months of payment history. It’s geared toward those who are new to building credit (or who are starting over). It starts at $28 a month.

CreditStrong doesn’t get the best reviews on Trustpilot – only 1.7 stars. However, these seem mostly geared toward short-term usage. The 5-star reviewers indicate a more positive experience due to sticking with the company for longer.

What To Consider When Picking a Credit Repair Company 

Thinking about working with a credit repair company to rebuild your score? Here are some things to consider while researching your options:

• Online reputation: Check what people are saying on sites like Trustpilot and the BBB.

• Results: A legitimate company won’t make guarantees, but they should provide some results. Some companies will list typical results from customers.

• Timeline: See how long it usually takes to see results. Credit repair can take months or even years.

• Cost: Fees can be wildly different based on who you choose. Do some comparison shopping to make sure you’re getting a good deal.

• Services: Credit repair companies often offer the same types of services, like credit disputes, error resolution, and credit monitoring. Some will have more specialty services, like credit interventions or identity theft protection. Think about what you need when choosing one.

Are Credit Repair Companies Worth It? 

It’s ultimately dependent on your situation and needs. If you’re motivated to handle the process of identifying errors in your reports and disputing them by yourself, then go for it. You’ll save yourself some money.

But if you don’t have the time to deal with the credit repair process alone, hiring someone can take away some of that stress. Just make sure you choose a reputable company with reasonable costs. It also helps to pick one with excellent customer service.

FAQ 

How long does it take to repair credit?

There’s no one single timeline. It really just depends on the company you choose and the state of your credit. If you have many errors on your report and are able to dispute them in quick succession, you might see a boost sooner. But if you only have a couple of minor errors, it can take months or even years to see results.

How do I know if this credit repair company is legit?

Look for ones that offer a free initial consultation and a full refund on your money. Check out what other people are saying on sites like the Better Business Bureau and Trustpilot. Being BBB-accredited is often a good sign, though it’s not the only one. And finally, reach out to the company directly. Sometimes, just speaking with someone on the phone can give you clarity on how trustworthy they are.

What can credit repair companies help with?

Credit repair companies will generally review your credit reports for errors. This might include incorrectly reported late payments or accounts in collections when they shouldn’t be. They’ll dispute those errors or else help you dispute them. They may also provide ongoing credit monitoring throughout the process. Know that credit repair companies can only remove inaccurate or incomplete details from your report.

Can I repair my credit myself?

Of course! Just be prepared to spend some time going through your credit reports and reviewing them for errors. You can get a free annual copy of your reports from Annual Credit Report.com. You can dispute any errors you find with the reporting bureau.

Is credit repair the same as credit counseling?

Credit repair involves going through your reports, looking for errors, and disputing them. Credit counseling companies are usually nonprofits that exist to help you manage your finances. They might work with you to create a budget or debt payoff plan. They also typically offer free or low-cost credit counseling sessions and workshops.

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