Top 10 Best Credit Repair Companies

Anyone with a low credit score can tell you that bad credit is no fun. It's expensive, it's embarrassing, and it can stand in the way of achieving your goals. Fortunately, it is possible to legally and permanently fix your credit with credit repair.

Hundreds of thousands of people have been able to improve their credit scores. By removing bad credit, adding good credit, and better managing their credit profile, people have been able to increase their credit scores from 500s and 600s all the way to 700s and even 800s.

If you have had difficulty getting reasonable loans in the past, raising your credit score through credit repair can help you qualify for lower interest payments. These lower payments can help you purchase a new car or even get into a new home.

Even if your credit score is good enough to get a loan, improving it by just a few more points can save you thousands. Using credit repair to increase your credit score from 680 to 720 can save you a hundred dollars or more per month on your mortgage payment; a savings of tens or even hundreds of thousands of dollars over the course of your loan.

You can clean your credit yourself or you can get help from a credit repair expert. This is a top ten list of the best credit repair companies out there.
The Top Ten
1 Lexington Law Lexington Law is a general service consumer advocacy law firm that provides credit repair services along with a full range of additional legal services. The firm is headquartered in North Salt Lake, Utah and has 25 attorneys practicing in states across the country... read more

I have been a client of Lexington Law for over three years and I love the services they provide. So far, they have removed over 60 inquiries and raised my score from 518 to 764. I have had no complaints about them.

I am enrolled in the Concord Premier package, and the low payment of $99.95 is well worth it. I decided to keep them because they are good insurance to have. They also offered $25,000 towards identity theft protection. I call that a sweet deal. Thanks, Lexington Law.

Lexington Law is amazing! They have helped me so much it is unreal. I feel like I am on the right track again, and it is all because of them. They have great paralegals to speak with who are all very educated and answered all my questions.

There is one in particular that I spoke with recently named Sarah. She was so professional and very bubbly. She seemed so happy to talk to me! Thank you so much, Lexington, for all your hard work!

Visit Website Free Credit Report SummaryCall: 1-800-594-5595
2 CreditRepair.com CreditRepair.com is a Seattle, Washington based company that offers consumer credit repair services to customers in the United States. The company claims to assist customers with removing negative items from their credit reports as well as helping customers better manage their credit... read more

When I signed up for CreditRepair.com, I was a little skeptical. I'd heard bad things about credit repair scams and didn't want to be a victim. But I needed help. It only took a few weeks before I got my first notice of positive results. I know the process might not work that fast for everyone, but I was thrilled.

The funny thing is, I had been sitting in church when I got the alert via text message and I just about stood up and shouted! I've found the people at CreditRepair.com to be really helpful and empathetic. It's the one company that doesn't treat me like a second-class citizen because of my poor credit history. I would recommend CreditRepair.com to anyone - and I often do.

Visit Website Get a Free ConsultationCall: 1-855-255-0267
3 Sky Blue Credit Sky Blue Credit is a Boca Raton, Florida company that has offered credit repair and restoration services since 1989. The company operates nationally and is licensed and registered with the individual state Attorney General offices as required... read more

Sky Blue was referred to me by a friend who described them as a smart, more personal alternative to the big automated credit repair companies. They did an amazing job for me, and I thought I'd pass the recommendation along.

Here are a few things about my experience with Sky Blue that I want to share. First, they didn't charge me until they reviewed my credit, gave a consultation, and made sure I was comfortable. Second, they went to work really fast, stayed on the case, and kept me updated. Third, the customer service was completely satisfying, and I never felt lost.

Fourth, they did everything for me. I'm a busy person, so that's exactly what I needed. Fifth, their program was worth its weight in gold. It wasn't an overnight fix, but in six months, my scores improved by 120 points, and my reports are amazing to see. To sum it up, they were exceptionally professional and effective. I strongly suggest you try them too.

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4 National Credit Fixers Located in Vernon, Connecticut, National Credit Fixers focuses on credit restoration and repair. Established in 1997, the company operates with the objective of assisting clients in rectifying credit errors and improving their financial standing. It offers personalized plans based on individual credit... read more

I am 100% absolutely satisfied with the results I got from National Credit Fixers, and I recommend them to my real estate clients all the time! Over the year, Matt worked on my file. He solved numerous problems, which mostly occurred through my own inability to communicate properly and understand the system! It's not that you couldn't do this yourself, but it would be a full-time job, and most people, including me, don't even have the knowledge to know where to start. All-around best team, changed my life.

5 Credit Firm CreditFirm.net is a Deerfield, Illinois based credit services organization providing credit report repair services since 1997. The company claims to have assisted over 80,000 customers in improving their credit reports and increasing their credit scores... read more

I was very skeptical about the credit repair industry at first. You hear so many bad things about it. At the same time, there are some exciting stories about people who used credit repair services, fixed their credit, and started new lives. So, I decided to become one of them and start a new life with excellent credit.

I did lots of reading about how to choose a credit repair company, what questions to ask, etc. I decided to go with CreditFirm.net. There are several reasons why I chose CreditFirm.net, but I will mention only two: results and price. I read feedback about CreditFirm.net, and it sounded good to me. The price was very affordable. I don't know about you, but price is a very important factor for me.

Anyway, I am very proud to say that I made the right choice. Now I know I did! With the CreditFirm.net system, I was able to fix my credit and get a brand-new truck!

6 Better Credit Reports Consulting Better Credit Reports Consulting, founded in 2008 and commonly referred to as BCR Consulting, is an Austin, Texas based company offering credit repair and consulting services based on expertise obtained over many years of dealing with various credit related issues...mortgages, auto loans, etc. BCR Consulting,... read more

I used one of the top-rated companies listed on this website for credit repair for over a year, paying almost $100 a month, and absolutely nothing on my credit report was deleted. I felt like I was doing most of the work anyway. A friend told me about BCR Consulting, and I decided to take one more chance.

Not only did they get numerous items removed from my credit bureaus, but they also did most of the work! All I had to do was send them my credit letters and reports sent to me. I couldn't believe the low cost either. I wish I had known about them first. I could have saved a lot of money and time. My credit score was 580, and now it's 720. I'm so pleased with this company! I am referring everyone I know who needs help with credit repair to them.

7 MyCreditGroup MyCreditGroup is a Stephenville, Texas based credit restoration company offering credit repair and credit building services since 2000. The company states its team includes credit experts, loan officers, debt negotiators, and people who have worked as collection agents... read more

This company is legit. Not like other large companies that make you do all the work yourself and just send out generic dispute letters. My Credit Group had a custom plan set up just for me, and so far, it has worked great. I have gone from a 554 to a 682 in two months. They get my vote!

After hours of research and calling these various companies on the phone, I have found that My Credit Group is the most dedicated to educating their clients and not just taking their money. For the money, they are your best bet.

My Credit Group did a wonderful job for my wife's credit. Our program lasted almost 7 months, and her score increased by 83 points. We also established our first new line of credit since our bankruptcy. Money well spent.

8 Pyramid Credit Repair A unique aspect of Pyramid’s business model is that the billing is month-to-month, so you’re never locked into a contract. Plus, the company promises your satisfaction, or your money back... read more

I have high standards regarding customer service, and the company itself was exceptional. I have only great things to say. I loved the quick turnaround! Highly recommended! If I can use and understand the product, anyone can.

I contemplated for two weeks before making the purchase, but it was probably the best purchase I've made in a very long time. I received my first set of results three days ago, and my score was up 63 points on Experian and 57 points on TransUnion compared to a month ago. I'm ecstatic.

9 The Credit People

I used this company last year, and now I see them here. They are everywhere. I had a great experience and thought I would let folks know they are a great company and do a great job for much less cost than anyone else. When you compare them, like I did, it's no contest.

I can't believe what The Credit People have done for me. I am not the easiest person to reach, and I'm definitely not the most organized (which is why I chose them, honestly). But they managed to raise my credit score by 72 points already, so I'm happy!

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10 The Credit Pros

These guys are amazing. My scores went up over 75 points in the first month. They are upfront and honest. Thank you so much, Chris.

Been enrolled only for a short time, and in that short time I have been with them, my credit score has gone up by 100 points!

I'm a mortgage broker, and thank God for these guys! They are making me money. No joke!

The Contenders
11 Trinity Credit Services Operating out of McKinney, Texas, Trinity Credit Services offers credit repair and restoration services. With a focus on ethical practices, the company provides credit education in addition to its repair services. It also offers a money-back guarantee to ensure client satisfaction.

These guys really helped my wife and me clean up our credit. We primarily sought out a credit repair company to help us get approved for a home loan. Trinity Credit Services helped us meet and surpass that goal.

Until we worked with this company, I honestly thought all credit repair companies were scams. I remember telling my wife that this was probably a waste of money, but for the price, we ended up giving it a shot. The prices were higher than average, but considering what we got for our money, I feel it was very much worth the investment.

Since completing their credit restoration program, I've even noticed that my self-confidence has increased. It's crazy how much your credit score not only affects your finances but also your self-image. If you're looking for a credit repair company that actually delivers on what the sales rep tells you, I would definitely recommend checking these guys out.

12 MSI Credit Solutions

I applied to receive a home loan through a mortgage company and was denied due to a bad credit score. I didn't even realize my credit score was low at this time and was a little shocked. The mortgage company turned around and told me about MSI, and I'm grateful they did. Within 3 ½ months, my credit has increased over 100 points, and now the mortgage company has approved my loan request.

Without the help of Jason Long at MSI, my chances of buying a home would be near impossible, especially within this time frame. So, I would and have recommended MSI to family members and friends, and would definitely use them again if ever needed. Well worth every penny!

13 Aggressive Credit Repair

Love these guys. I can tell you that they were genuinely helpful in both repairing my scores and helping me repay my debts.

Awesome! Best reputation in the industry. With this company, you work directly with the owner. This is really helpful.

They are in Utah (I'm in Salt Lake City). They helped me get a mortgage post-credit repair. I was very happy.

14 National Credit Consultants

When I started with National Credit Consultants, my middle credit score was 510. I needed a 620 to be approved for my mortgage. Not only did I reach a 680 credit score, but I also went on to get a fantastic interest rate on my new home. Their credit repair program has helped me more than I ever thought possible.

Since then, I have signed up my wife, three family members, and about two friends. They all have seen a significant change in their credit scores and are all happy with the customer service that National Credit Consultants provides.

15 Credit1Solutions.com

Robert at Credit One, LLC is very knowledgeable when it comes to credit repair! I had a state tax lien in Kentucky for unpaid taxes and an unpaid collection from one of the cell phone companies. After finally paying off the tax lien, it was still majorly affecting my credit score. The credit bureaus said they wouldn't remove the lien for another 7 years from the date of payment. It was also causing me to be denied any size line of credit! This makes it impossible to begin improving your score.

Credit One was able to get the tax liens and the collections removed. Since then, I have been able to open multiple lines of credit. In 6 months, they were able to get my score from a 634 to a 710! Now that's progress! I would highly recommend this company to anyone in need of any type of credit repair, large or small!

16 Credit Repair Systems

We have been the "Helping Hands" for our clients' credit repair needs for over 11 years, serving South Florida and the rest of our nation. We can assist you with all your credit repair needs.

17 ASAP Credit Repair
18 Best Texas Credit Pros, LLC

Best Texas Credit Pros has helped me get my scores where they needed to be and then some! Amazing people, friendly customer service, and fast results! I didn't expect to see my scores rise so quickly, and now I can get approved for a mortgage at a low interest rate!

I highly recommend this service. I appreciate you guys!

19 Onyx Credit Geeks

I've dealt with two other companies and didn't have much luck. I ran across the website for Onyx, and I'm completely happy that I did so. Onyx was like a bulldog. They went head-on for me and raised my credit score. They were also able to secure an auto loan.

Thank you, Onyx, for everything. You definitely get my vote!

By far the best credit repair company in Detroit! I searched long and hard for a reputable credit repair company in the metro Detroit area and finally found one that raised my credit score to a whopping 750. I would recommend this credit repair company to anyone in the Michigan area.

20 Tyrone's Clean Credit Solutions

I am a police officer in New York and had some challenges with credit. I was referred to this company, and within six months, I went from a really bad score to purchasing a home. My offer was just accepted, and I had to personally call and thank Tyrone. This is not a gimmick. I am proof that Tyrone does help, and I have been referring family members and friends who have lost hope. I've used other companies that just took my money, but he is reasonable and has proven that his company is the truth.

21 Premier Credit

I cannot thank Premier Credit enough for making the credit repair process so smooth. They were not only professional when addressing my credit discrepancies but were also prompt in their communication and great to work with.

I was assigned my own team of three Credit Analysts, allowing me access to advice, account updates, and coaching at any time. Thank you for restoring the confidence I needed with a good credit score.

You have helped lift such a weight from our shoulders! We're so glad this is all behind us, and now we can move on. You have been instrumental in helping us reach our goals, and we can now move forward with our lives.

Thank you so much. We appreciate all your hard work over the past months. Best wishes, and keep up the good work!

22 Key Credit Repair
23 Credit Saint Credit Saint is a credit repair service based in the United States. Founded in 2004, the company aims to assist individuals in improving their credit scores by challenging inaccurate information on their credit reports. Credit Saint offers different levels of service to accommodate varying customer... read more

I truly enjoyed working with Credit Saint, when they fixed my credit. They were very attentive and committed to dealing with my account. I called often with questions or concerns and they were always happy and willing to help.

When I was looking at some different sites to explore credit repair companies I found Credit Saint was a very user friendly site. You can make appointments to speak with representatives or even request to speak live with one.

I would highly recommend Credit Saint to anyone who wants fast, personalized, and committed service.

24 Zinu Credit Repair

I hired Zinu about 45 days ago to address some issues on my credit report. Utilizing his pay after deletion program, I was happy to know I was only going to pay if he could get results. He was able to produce the desired results I needed in a very short amount of time exceeding my expectations. Zinu did for me in 45 days what other firms couldn't do for me in a year of service! I have since recommended Zinu to several friends and family members. If you have something nagging you on your credit report and need solutions, I highly recommend Zinu's pay after deletion program. Thank you for the excellent and quick results Zinu!

25 Quick Credit Clean

After my husband was medically separated from the military, our already shaky credit plummeted down hill. With work difficult to find, it took us a while to get back on top financially. The unfortunate thins was that even though we were started doing alright financially, our credit still held us back! I stumbled upon Ron and Quick Credit Clean, and with some hesitation, I gave him a call. I was won over by his positive attitude and willingness to help and not judge. We just started round 2 and have already been blown away by the dollar amount of debt that has disappeared, as well as the increase in our credit scores. Looking forward to seeing the end result and not being held back by our credit anymore!

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What is credit repair?


While there is no universally accepted definition of credit repair, you can think of it as proactively working to increase your credit score by optimizing the information recorded in your credit reports.

When most people think of credit repair, they think of removing negative information from your credit report such as late payments, collections, and charge-offs that negatively affect your credit score.

Beyond this, credit repair can also include better managing credit limits, having a good mix of types of credit accounts, adjusting payment dates, and other tactics that seek to increase your credit score by taking into account the formulas used to calculate credit scores and making sure your credit reports are positioned to result in you having the best credit score possible.

How is it possible to delete bad credit?


Many people don't realize that their credit reports are not official government documents. Instead, your credit reports are maintained by for-profit corporations (the credit bureaus) that profit from the collecting and selling of your financial information. These credit bureaus do provide a valuable service by assisting lenders and others with making more informed decisions regarding credit worthiness, but it bears repeating that they are not official government entities.

Additionally, there is no law requiring that a creditor has to report negative information about you to the credit bureaus and there is no law requiring the credit bureaus to include said information in your credit reports. In fact, the majority of laws relating to consumer credit repair specify what types of information cannot be added to your credit reports, how long information can remain on a credit report, and under what circumstances that information has to be removed.

Finally, it is important to note that credit reporting is far from a perfect science and credit reporting mistakes happen all the time. Whether they are a result of mistaken identity, a clerical error, unscrupulous activities by shady debt collectors, or the product of identity theft, credit reporting errors are surprisingly common.

By enforcing their rights under the various protection statutes pertaining to credit reporting and debt collection practices, consumers can force the credit bureaus to remove inaccurate or misleading negative information from their credit reports. In addition, consumers can persuade creditors to stop reporting damaging information or report more favorably to the credit bureaus through goodwill requests or pay for deletion agreements.

What is credit repair?


While there is no universally accepted definition of credit repair, you can think of it as proactively working to increase your credit score by optimizing the information recorded in your credit reports.

When most people think of credit repair, they think of removing negative information from your credit report such as late payments, collections, and charge-offs that negatively affect your credit score.

Beyond this, credit repair can also include better managing credit limits, having a good mix of types of credit accounts, adjusting payment dates, and other tactics that seek to increase your credit score by taking into account the formulas used to calculate credit scores and making sure your credit reports are positioned to result in you having the best credit score possible.

How is it possible to delete bad credit?


Many people don't realize that their credit reports are not official government documents. Instead, your credit reports are maintained by for-profit corporations (the credit bureaus) that profit from the collecting and selling of your financial information. These credit bureaus do provide a valuable service by assisting lenders and others with making more informed decisions regarding credit worthiness, but it bears repeating that they are not official government entities.

Additionally, there is no law requiring that a creditor has to report negative information about you to the credit bureaus and there is no law requiring the credit bureaus to include said information in your credit reports. In fact, the majority of laws relating to consumer credit repair specify what types of information cannot be added to your credit reports, how long information can remain on a credit report, and under what circumstances that information has to be removed.

Finally, it is important to note that credit reporting is far from a perfect science and credit reporting mistakes happen all the time. Whether they are a result of mistaken identity, a clerical error, unscrupulous activities by shady debt collectors, or the product of identity theft, credit reporting errors are surprisingly common.

By enforcing their rights under the various protection statutes pertaining to credit reporting and debt collection practices, consumers can force the credit bureaus to remove inaccurate or misleading negative information from their credit reports. In addition, consumers can persuade creditors to stop reporting damaging information or report more favorably to the credit bureaus through goodwill requests or pay for deletion agreements.

Is credit repair legal?


Absolutely! Your right to fair and accurate credit reporting is protected under consumer protection acts like the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Not only is it your right, but the law makes it your responsibility to ensure that your credit reports and your credit score are a fair representation of your true worthiness. If you are unfairly denied a loan, required to pay too high of an interest rate, or even denied employment based on a credit score you do not feel is correct, the task of rectifying the issue falls to you, the consumer.

What do credit repair companies do?


A reputable credit repair company will work on your behalf to help remove questionable negative items from your credit report. At a minimum, most companies will dispute these items with the credit bureaus for you. Many will also work directly with your creditors in an effort to get them to remove negative items from your credit reports or change the way they are reporting specific accounts.

Credit repair companies offering a more holistic service will pair credit deletion services with credit score optimization assistance and coaching. Because credit scores are a reflection of both the good credit and bad credit accounts on your credit reports, these types of services are often times more effective in raising credit scores than just focusing on one side of the equation.


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