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 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 City, Utah and has 32 attorneys across 20 states. ...read more.

I used Lexington to repair my credit. Talking to my personal paralegal about my situation helped me to wade through the mess. Lexington helped me get my score up by 247 points! If you're looking for Credit Repair, go with Lexington

Lexington helped me raise my credit score 70 points in 60 days. This gave me the credit I needed to refinance my house to consolidate my debt, buy a new car at a good rate, and have more options to support my growing family. I love these guys.

I used Lexington and my score went up 130 points to 750. It only took four months. My wife is getting hers worked on next.

I have only been with Lexington since September, 2009, already I have seen positive results. I am kept aware of all that is going on with my case, they are so helpful in answering questions. I feel very confident in Lexington Law Firm, they are very good in keeping in contact, and walking with you every step of the way. I am already seeing results. They are very professional, my experience with them has been very gratifying. I am very happy with this firm, and feel very positive in a good outcome.

38 CommentsVisit Website Free Credit Report SummaryCall: 1-800-594-5595
2 CreditRepair.com 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 I 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.

Best Credit repair Company. I owe them a lot! Made my credit score jump 100 points in less than a year! Recommend!

CreditRepair did very well and improve my credit rating. I keep my faith with this CreditRepair all the way.

Creditrepair.com services are excellent. I've searched around trying to find the best way to fix my credit because I am preparing to get married and buy a new house! With that being said I know that my credit has to be great before that can happen. Within the first three weeks I saw excellent results! I just want to say thank you credit repair.com for helping me and treating us with excellent customer service!

1 CommentVisit Website Get a Free ConsultationCall: 1-855-255-0267
3 Sky Blue Credit Repair Services Sky Blue Credit Repair Services 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 I want to share. 1) They didn't charge me until they reviewed my credit, gave a consultation, and made sure I was comfortable. 2) They went to work really fast, stayed on the case, and kept me updated. 3) The customer service was completely satisfying and I never felt lost. 4) They did everything for me, and I'm a busy person, so that's exactly what I needed. 5) Their program was worth its weight in gold. It wasn't an overnight fix, but in six months my scores improved 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.

After reading reviews for the top 5 credit repair services, I decided to go with Sky Blue. This was because others had commented that Sky Blue is honest about whether or not they can help you; they won't charge you if they believe you can do better on your own or if there is nothing more they can do. That is precisely what happened to me. I received a call today from a Sky Blue representative telling me that I only have one negative item on my credit report. Because it should not have been on my credit report, she said it would be very simple to dispute on my own. She told me how to do it, and then said they'd refund my money (I had just ordered the service). I would rate this service #1 for integrity and customer service, and I have already recommended it to friends. It's not often that one finds a company that is more concerned about helping people than about getting the business. Thanks, Sky Blue!

Sky Blue is a great operation. After three months with Sky Blue I have had over a dozen problems deleted. I have been consistently impressed by all of my communication with the company. The staff is very smart and friendly. I can see why they have an A Plus rating with the Better Business Bureau. I am also impressed by the care they put into in making sure everything is done with my credit scores in mind. I plan to apply for a mortgage in the near future and my credit scores are already close to my goal. I am very satisfied with Sky Blue and recommend them strongly. At forty-nine dollars a month it is the best investment I can imagine.

I did a lot of research before choosing Sky Blue and I recommend them highly. A couple of nice points are their perfect rating with the B and an unconditional guarantee. I'm not aware of any other company that offers such a complete approach to credit repair. They did an amazing job of cleaning up my credit and helped me with everything I needed to build really useable credit. You might find a cheaper deal but if you want real credit improvement you won't find better value than this.

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4 Ovation Credit Ovation Credit Ovation Credit Services is an attorney founded credit repair company operating since 2004. The company is headquartered in Jacksonville, Florida. ...read more.

This is a very nice company, highly focused on your account and getting results. They are careful and diligent and will not set off alarms with the credit reporting agencies. Ovation Law will not rush in, instead they take a strategic course of action to clean up your credit reports. There is no such thing as a quick fix for damaged credit, only careful and concise action over time will work. Ovation Law will clearly explain the process, time frame and expected results up front for you. I recommend this firm for your credit repair needs, they have done me a great service so far and continue to provide excellent customer care.

For those of you who may be thinking of starting the credit repair process, but still doing your homework, you can stop right here. I am a client of Ovation and have been on and off since 2006. You will get white glove service here at Ovation. The best part is there is no contract, you are free to cancel anytime. These guys are great! Ovation Credit Services, thanks a million

They are the best of the best plain and simple been there done that nobody compares to Ovation

Ovation Law may not be the oldest credit repair law firm, but they still work. Plus, they don't make you choose between 2 or 3 credit repair packages. You get to mix and match the services you want.

7 Comments
5 National Credit Fixers National Credit Fixers

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 to 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.

After my fiance and I looked around everywhere for help with our credit, we never expected to fix anything within the next 10 years. Then we came across the National Credit Fixers and met Matt! We thought for sure that it was too good to be true, but he is a great guy and you feel like you're actually top priority when working with them. They've kept in touch and e-mailed daily while we made progress and within weeks our credit is better than ever and we are already on our way to hopefully owning a house! Thanks, Matt!

I have been working with NCF for a few months now. Matt has done a tremendous job with my credit thus far. They're always available to answer any questions I have regarding my credit report. Matt takes out time to also explain different things about my credit that I may not understand. He's very patient with me. He is very welcoming! Matt builds a rapport with his clients which is important. He doesn't make me feel like he's not into what he's doing. He's very knowledgeable. I would recommend him to friends and family anytime.

Worked for me!

106 Comments
6 CreditFirm.net CreditFirm.net 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 credit repair industry at first. You hear so many bad things about it. At the same time there are some exciting stories about fellows who used credit repair service, fixed credit and started new life. So I decided to become one of them and start a new life with EXCELLENT credit. So I did lot's of reading about how to choose credit repair company, what questions to ask etc. Etc. And decided to go with CreditFirm.net There are several reasons why I chose Credit Firm.net but I will mention only 2: results and price. I read feedbacks about CreditFirm.net and they did sound good to me, price - very affordable. I don't know about you, buy price is very important factor for me. Anyway, I am very proud to say that I made a right choice (now I know I did! ) and with Credit Firm system I was able to fix my credit and get a brand new truck!

Hired creditifrm.net to fix my credit back in march. As of today 12/13/2014, all of my credit scores have gone up over 150 points on all 3 credit bureaus. I'm buying a house and could be happier. Best financial investment of my life. I just wish I knew about them sooner, if I fixed my credit 2 years ago I could have bought the same house I'm buying now for $50,000 less, lol. At least I'm getting an interest rate under 4.25%! Anyway, if you're looking for a company to help you fix your credit, I highly recommend going to creditfirm.net.

Credit Firm helped my raise my credit score over 120 points so that I could qualify for a mortgage. Thank you!

I was a little hesitant about hiring a credit repair company at first. I heard about all of the credit repair scams and the people getting ripped off, but I needed to fix my credit so I took a gamble on CreditFirm.net. I am happy to say that this was the best decision of my life, I finally have a credit score which I can be proud of.

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7 Better Credit Reports Consulting 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.

No other credit repair company would do the work and charge me only for the accounts they have deleted. Searching on Google I've found several credit repair sites who claim at the front page to charge only per results but buried in the fine print there is always a initial payment in advance. Others want my credit card or bank account number to charge their fees as soon as 3 days after sign up. With so many credit repair scams on the internet I wouldn't feel comfortable paying anything in advance, specially when the FTC says that credit repair is not possible.

BCR Consulting really charge only per account deleted, that speaks of their confidence on their ability to take off negative accounts from my report, When I hired BCR I thought "They better do something good for me or they won't get my money".

They did get my money, I like that, they are the only credit repair that never tried to trick me, honest, reliable stand up people. I'm recommending their services to anyone ...more

Simply amazing! There are many scam credit repair companies out there who do absolutely nothing for you. I swear I had under a 500 score and BCR Consulting brought my score up in a little over a month. I had a repossession from Ford motor credit which if anyone knows these guys are brutal and can take forever to come off your reports. They are the hardest ever to get removed from your reports. BCR Consulting got them off of all 3 reports for good among other things I had. I HIGHLY recommend these guys. Whats really awesome is you don't pay until they get it off! How cool is that? They stand by there service to let you know that they work for you. I promise you once they get the first item off you will be so excited that paying them will be an absolute pleasure instead of a chore. Try them out and see. I promise no disappointment with these guys. - combat_airborne

Wow. My wife and I still cannot believe it. We are homeowners! Thank you so much BCR. We greatly appreciate your patience and persistence helping us through it all.

They get results, client support is not too good, looks like this is a small company and they are too busy to answer calls and emails the same day but eventually they write or call back. I found out that this lack of contact doesn't mean that they are not working in my file, letters from the credit agencies and credit cards keep coming even when I can't get anybody on the phone. No hard sale tactics at all, just an invoice by email after they get something removed from my reports.

Another problem is that they don't take debit or credit card payments, its not really big deal for me I don't have any credit cards anyway so I always send them a check but it would be nice if I can pay for they services online with my debit card.

Botton line is that this is a honest and effective company, big difference with the one I tried before, with Lexington I had to pay them every month with or without results and their customer support is just useless. This people got deleted in 2 ...more

102 Comments
8 My Credit Group My Credit Group 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 setup just for me. And so far it has worked great. I have went from a 554 to a 682 in 2 months. They get my vote!

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

The biggest benefit I got out of my credit group was the knowledge

I feel like I know so much more now. Give a man a fish and feed him for a day - teach him to fish and you feed him for life

I voted for My Credit Group because of their service. My Credit Group was focused on my situation and gave me a great in-depth interview. Other companies I went to were only wanting to get my credit card info.

4 Comments
9 Pyramid Credit Repair 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.

Love them!

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

Rob was excellent and very knowledgeable. He answered all my questions and explained everything thoroughly. My wife has began repairing her credit using this company as well. She and I are forever grateful.

Such a cool and easy company to work with. They shipped me my Starter Kit and got great help from their team of experts in disputing my items. I'm off to a great start with them

17 Comments
10 Veracity Credit Repair Veracity Credit Repair

Always been fair to me they have always got the job done they are One of the best that I have dealt with I have dealt with Lexi Law they do not care about their clients they are all about the dollar

I have been a client of Veracity Credit Consultants only since June, so one month now. I came to them because I want to purchase a home early next year and unfortunately where my credit score is currently will never qualify me for a home loan. Veracity is REALLY working hard for me! And they are helping me to become so informed about my credit. They do not promise overnight results and I have not had any improvements in my credit score YET. However, I feel SO confident that with Veracity my credit situation WILL improve and that I WILL buy my first home next year as planned. The staff is so knowledgeable and very kind. I am EXTREMELY happy with the decision I made in choosing them.

I am pleased with the results as of now. I see things happening that will help me end up with better credit than in the past. I am tired of paying high interest on everything. I want my credit to be as close to 800 as possible. I started in June and I see changes made. I am satisfied with the results. What a good feeling knowing you have good credit. I would recommend Veracity to anyone. Very friendly!

I have only been with veracity for one month.. trying to buy a home and credit score had to be at certain number to apply for loan... happy to say veracity gave me great advice and my score is already good enough for home loan. trying to fix your own score even when you have the money to pay off debts is a bad idea... there are certain things you have to know or it can really hurt you... now I don't assume anything without talking to a veracity agent.

46 Comments

The Contenders

11 The Credit People

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!

I just signed up my wife for The Credit People's service. They did wonders with my credit so we're going to have them work on hers now too.

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.

Started with them in June and score has already jumped 17 points in 2 months. So far great.

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12 The Credit Pros

These Guys are Amazing. My scores went up over 75 points in the first month. they are up front 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 100pts!

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

Best Services I have had so far

3 Comments
13 Trinity Credit Services Trinity Credit Services

I was impressed to find that before Trinity would even begin working on my credit they where concerned about any current late payments. They would not do anything unless everything was current. We didn't have any late payments when we went with them; however, we had a few struggles going on when we first checked them out.

You have to be patient with the program as it will take at least 6-9 months to start seeing the best results. They wanted even better results on mine and when even futher to remove items. To date they have removed 19 items off my credit including some that were reporting balances of 2,500 or more. Also, they were sucessful in removing a repo on one of the Credit Bureau. This is one they have continued to work on. Another thing they did for me was to give me good advice on other methods of raising my score. One of those methods was piggy backing off of a resposible friend's credit card. I can tell you that my score was nearly in the 400's when I got started ...more

These guys really helped my wife, and I 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 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 effects 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.

One of few credit repair companies I've seen that's registered with the Secretary of State and bonded. It's hard to give a company your confidential information if they can't prove that they are legal. At least with Trinity, you can have that re-assurance. They have proof of their credentials posted on their website. I used their services in the middle of last year and was hesitant to refer them to anyone until I had received all of my results. I had a Chapter 7 bankruptcy, several collections, a reposession and a whole mess of bad credit. When I started the program, my credit score was 523. The bankruptcy was deleted! I couldn't believe it when I got an updated credit report and it wasn't there. They pretty much deleted everything else as well, but the bankruptcy was all that I really cared about. My score is a 672 now and they gave me steps to follow to get above a 700 within the next few months. I'm so excited and recommend Trinity Credit Services whole heartedly!

I used the program a year ago, and I have to say I was amazed to say the least! I went from a low 600 to a high 700 in just a few months; I bought a brand new Toyota Prius at a 0% interest rate and since my husband successfully went through the program as well we qualified for a conventional home loan as well. Other companies (Lexington Law) offered what appeared to be a low upfront cost that actually ended up costing us a couple of thousand dollars over the span of nearly two years with only 4 accounts deleted. This company is hands down-no questions asked the best credit repair company by far.

17 Comments
14 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!

We first signed up my husband, so we could purchase a house. After only 4 months in their program we were signing the papers! Thanks to Justin & everyone else at MSI we just bought a new truck too! We now have them working on my credit reports & after the first month they have already gotten several deletions. MSI has turned our lives around, and I promise they can do the same for you! Thanks a million Justin!

MSI has proven that a GREAT company does exist and GREAT customer service does as well. When I contact MSI they began working on scenarios that would best fit my needs and at the end of the conversation I was well educated on what was about to take place! 45 days later my credit scores have risen from the dead! Thanks MSI!

Fair price for what they deliver, like Justin Howard told me in the get go, "you get what you pay for". 3-4 months after in enrolled with MSI they got my scores well over where they needed to be to obtain a home loan, if your thinking about getting into a home loan and or taking some of the weight of your shoulders give MSI a try!

41 Comments
15 Credit Scoring Advisor

Wow, they are really incredible! I will definitely share this with friends when they need such help.

I spent months making phone calls and writing letters about a problem with a monthly billing of five dollars. You wrote one letter to them and within one month they deleted all negative information and my score went up 90 points!

Our managing partner, Daniel Sater C.C.E. is a Nationally Recognized Credit Expert. Dan had written the authoritative book on the credit industry, "Credit Scoring Secrets... the Credit Industry Doesn't Want You to Know"

I have never ever met such a knowledgeable, attentive, and personable person and company then Dan and his team at Credit Scoring Advisor.

I’m still blown away by the genuine care that they took with me. I was looking to buy a home and my credit was below 450! Yup… Dan and Kathy always took every single one of my calls and believe me I called a lot! , and never ever did they answer in disgust. Dan has a real passion for what he does and he expresses his feelings that he has towards these credit agencies who tries to bully us with phone calls and letters. He explains every single aspect of the process that you will be going through from start to finish and Kathy will always email or call you to check up on you. You will never be left wondering, what should I do next?

I never had to pay out any money to those creditors; I only paid one flat fee to Dan for his services and not a penny more.

Dan erases your bad credit by targeting these agencies and calling them ...more

1 Comment
16 Aggressive Credit Repair LLC

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. Was very happy.

This company did a good job for me.

4 Comments
17 Creditmergency Creditmergency We guarantee our clients that we can help and assist them in fixing their bad credit rating and history. Majority of our clients are all happy, amazed and satisfied with the quality of our credit repair services. We strive hard and work together to assure our clients that we can meet and go beyond their ...read more.

Reliable honest credit repair company. Not only do they repair your credit but also educate you on how to maintain a good score.

18 National Credit Consultants

I was very skeptical when my mortgage broker requested that I call National Credit Consultants for credit repair. I researched the company and found them to be accredited by the Better Business Bureau. They were very honest and up front and the final result was more than I ever expected. They raised my score from a 560 to a 720 in less than 3 months. My wife and I now have a new home, "The American Dream" and I don't think we could have done it without National Credit Consultants. We are forever grateful to the. WE HIGHLY RECOMMEND THIS COMPANY!

This company was God sent to me! After speaking with 5 different companies, National Credit Consultants was the only company that did not try to mislead me into signing up with them and all my credit issues would go away. The Credit Consultant Mr. Richard Rivera explained to me how my money would be better spent and have better results on my credit score by paying down an account I was currently past due on and then come back to start the credit repair process. Very Honest and at the end my credit score went from a 540 to a 690 in less than 60 days, and they tell me to expect more of a credit score increase by the time the service ends next month. HIGHLY RECCOMENDED.

National Credit Consultants has been more then helpful, I was not even ready to begin this process, it was my mother who had received their service earlier this year and actually started the process for me because I didn't feel it was the right time to spend that money. But thankfully it worked out for the best and my credit score went up within the first two months. The people are very helpful at national credit consultants and are very quick to delivered status updates and results.

National Credit Consultants is definitely the best credit repair company out there. I spoke with several companies before I contracted them, and all I kept hearing was misleading promises that I knew could not be delivered. National Credit Consultants are very honest and up front on what to expect in regards to credit repair, They not only helped ne with accounts on my credit report, they help me reestablish new credit.

52 Comments
19 Credit One, LLC

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! Which 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!

Very very great company extremely legit, had doubts coming in but robert took my score from a 580 to a 725 in the matter of no time which allowed me and my wife to purchase our dream home! Thanks Robert and credit 1 staff amazing job!

20 Credit Repair Systems, Inc.

We have been the "Helping Hands" to our clients credit repair needs for over 11 years. Serving South Florida and the rest of our nation with all your credit repair.

21 Asap Credit Repair USA
22 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 raise so quickly and now I can get approved for a mortgage at a low interest rate! Highly recommend this service. Appreciate you guys!

23 Alexander Credit

It took Alexander Credit less than 2 hours to respond to my inquiry - I couldn't get any other company to respond to me. Then Alexander Credit successfully educated me on my case - told me to think about the option of performing credit repair myself. I was shocked. Everyone I interviewed promised the world and never mentioned the idea that I could do things myself. I ended up retaining Alexander Credit and I've learned more about the industry and consumer's rights - a class act company. Alexander Credit is excellent, hands down.

They always want to meet in person, but I'm out of state. I went with them anyways. If you're a client, you can log on and watch the whole process and you get updates regarding your file, which you can see for yourself online. The technology is awesome, the people are awesome at Alexander Credit. They actually CARE. What a concept!?!?

I called them, and they did an extensive review of my credit reports and history. They told me several things I could do to improve my situation, they told me all about how credit works, what does what to your score, they answered all my questions... all of this was BEFORE I even hired them. They're just good people.

I had a family member that showed up all over my credit report. Some of his information was negative. Alexander Credit didn't charge me an arm and a leg. They told me the different ways I could handle it on my own. I was shocked by this. I hired them, didn't worry about it, 9 months later, my report was golden!

24 Comments
24 Onyx Legal Credit Repair

I've dealt with 2 other companies, and didn't have much luck. I ran across the website for Onyx... and completely happy that I did so. Onyx was like a bulldog, they went head on for me and raised my credit score and was able to secure an auto loan. Thank you Onyx for everything, and 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 any one the the Michigan area.

Best Credit Repair Service in Detroit! This is by far the best credit repair company in Detroit, fast prompt service as well as excellent customer service. I highly recommend Onyx Legal Credit Repair. 313.228.5572

Raised my credit score 150 points in 60 days, Great customer service, great affordable pricing. They also deleted 25 out 27 negative items off of my Credit reports... Thanks onyx!

11 Comments
25 Covenant Credit Repair
26 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 where within 6 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 proved that his company is the truth.

27 Attractive Credit

I want to take this opportunity to thank Attractive Credit for the hard work that has been invested in repairing my credit. In just 3 months I was fortunate enough to notice a huge increase in my credit score thanks to you Attractive Credit. Attractive Credit offers professional and exceptional customer service. For a moment I though my credit had no hope, but now, thanks to Attractive Credit I am on my way to accomplish my goals. The economy is bad, and many people feel that there is no way out, that is why I will make sure I let everyone I know about your services. If you ever run into a customer who doubts your services, have them call my office and I will be glad to share with them my experience as a customer with Attractive Credit. Attractive Credit is an example of a company who cares, your company is priceless! Once again thank you.

They pay attention to details and follow up. I got burnt in the past with companies taking my money and not following up as well as having very detailed contracts that were tilted in their favor. Attractive Credit has followed up and has walked my wife and myself through the process and has been very reasonable with their pricing with a guarantee as well. I would recommend them to anyone.

I was with another company.. no names.. and gave me no results over a period of 6 months. They left a bad taste and was skeptical to hire anyone else. Attractive Credit gave me a discount for the sign up and figured it was no risk. I saw results in the first month. I am still with them and I am very happy.

I can't thank Attractive Credit enough for helping me with my credit. They provide excellent customer service. If you have any questions or concerns they are always available to help you. I can't believe how much my credit scores improved in only 30 days. Thanks again Attractive Credit!

31 Comments
28 Premier Credit Consulting

I cannot thank Premier Credit enough for making the credit repair process so smooth. Not only were they professional when addressing my credit discrepancies, but were prompt in their communication and great to work with. I was assigned my own team of 3 Credit Analysts allowing me access to advise, account updates and coaching at any time. Thank you for restoring the confidence I needed with a good credit score.

You have help 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 are now able to 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!

The team at Premier Credit Consulting helped me qualify to purchase a home in Utah. My home builder recommended their services and they were awesome!

Premier Credit was professional and efficient. They helped me overcome difficult situations on my credit. I would refer anyone to them as they are a trusted company!

1 Comment
29 Key Credit Repair
30 CRE Credit Services

I used CRE credit services and so have several members of my family. We have all gotten qualified for homes now! I was kind of shocked when I saw this list, because I used two of the companies in the top 3 first and paid them a lot of money and got terrible results. My sister and her husband used another company that was in the top 5 and had a very bad experience as well. CRE was recommended to me by my cousins wife who manages a mortgage branch. She told me their entire branch used CRE and had great results so we gave them another try. I can tell you these guys are nothing like these other companies. They explained the difference between what they did and why they were different, and how one of their owners worked in a legal department at Experian. I am so happy I gave them a chance, because we were pretty down that we could just not get qualified for a home. We closed on our house September 2009 and since then three of my family members have already closed on houses by using CRE. ...more

I went from the low 500's to well over the 700's! Brett K. was the consultant I worked with and he broke everything down for me, made me understand how my score is calculated, and gave me a free consultation where we put together a "plan of action" as he called it, and we started repairing my credit right away! Brett even offered to help me find a job, which I am now currently employed and my credit is AMAZING! I had 14 of the 24 negative items deleted in just 38 days! He even helped me with referrals and signed up my sister and best friend which saved me two of my monthly investments, and they are currently in the program seeing great results, and my friends getting more deletions than me! Best Credit Repair Company! Can actually TRUST! I was very hesitant but after speaking on the phone for only 5 minutes I knew right away I could trust this place! Also they have a 100% guarantee and can remove anything on your report if it ever reports again, and you know right away with their free ...more

I used CRE Credit Services at the car dealership I was working at to refer customers who didn't have good enough credit to purchase the exact vehicle they wanted, or sometimes, they couldn't purchase a vehicle at all, or were paying insane interest rates if the bank would give them a loan, because of their awful credit history. I had heard good things about CRE Credit Services on radio stations and I knew they were local in the DFW area so I told a potential buyer about their services. He came back within about 3 months and purchased the car from me. I have sent about another 6 or 7 customers and the 5 customers who signed up with CRE all bought cars from me! And the best thing was, that not a single one of the 5 buyers worried about the price for a vehicle because CRE had gotten each customer very close to 700's. I literally seemed like each buyer had a 1000 pounds liftede off their back. I will continue to send every single customer to CRE because I know that they are for sure ...more

CRE Credit Services was the biggest blessing I've ever received! They apparently have a former employee who worked at Experian and knows every single to remove negative items from a credit report! My credit went from a 590 to a 834... I am saving thousands of dollars a year now! As well, I was to be approved for a loan for a house and saved more than $150,000 on my mortgage payments because of their work.. I went up almost 100 points in around 30 days and they pulled my credit for me at no cost and provided me with a lifetime credit monitoring system where they have a lifetime guarantee and if anything ever were to show back up on my credit report they delete it right away for free! I have referred 4 of my friends and they all have had the same results as me! Not to mention they offer the best customer service I've ever experienced with any company! They truly are the best credit repair company in the U. S!

15 Comments
31 Credit Saint

Credit Saint is a company that strives to separate itself from the competition. You can always get a human on the phone but no receptionists, everyone there is a credit specialist who can help you with whatever you need. No getting sent to voice mail or bounced around from department to department.

As far as costs, they are not the cheapest credit repair firm out there but you do get what you pay for and they are very easy to deal with if you need to move a payment back a few weeks or can't afford to pay your inital fee upfront.

Credit Saint is all about speed speed speed. Some Credit Repair companies limit the number of disputes they will send out per month to drag out the time it takes to get your credit fixed, Credit Saint disputes everything on your report the first day. And then gives you progress reports each month to keep you informed of the status of your repair.

They also offer nice options, like once your credit repair is complete, they will refer you to ...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.

Choosing Credit Saint is the best decision I ever made. They raised my score 115 points in 5 months and now I am able to buy a house (with 6% finance). I have recommended them to everyone I know because they really are that good. They are a great team of people and always so nice and understanding when you call.

THANKS SO MUCH CREDIT SAINT!

32 Zinu Credit Repair

After deletion of settled accounts, collections, charge off & late payment my credit improved with more that 60 points. Before credit repair I had denied for Amazon credit card but now I get letters in mail for pre approved chase, capital one cards. I'm overwhelmed to see the results.

Thank you Zinu Credit Repair. Your service is AWESOME.

I'm really thankful to Zinu personally. The biggest quality what I have noticed in there service is quickness. They really repair my bad credit very quickly. I personally thanks to Adam for his politeness and dedication to work. My credit score has been improved by 175 point within few days. I'm really grateful.

I am thankful to Zinu credit for all the help they have done for me. Earlier I used to never qualify for loans or credit cards but now I am getting loans and cards that too with less interest rates. All credit goes to the guy Harry who helped me in increasing my credit and removing down my negative items. He was very patient and answered me all my queries.
Its amazing and I am happy with the work they have done.
Thanks again Harry & to Zinu Credit Repair. It's a thumps up for all the help you'll gave.

I always used to think the whatever on credit report is 100% correct but when I read an article in money Magazine I got to know that at least 79% of Credit Reports has the errors then I searched on the internet for the solution. This is how I found Zinu Credit Repair in the top 10 credit repair companies of 2012. Then I called them and today after 2 months my score has increased more than 20 points and I can express my situation in happiness in words.
Thanks a lot Zinu Credit Repair.

31 Comments
33 Credit Mindset, Inc

Credit Mindset takes a whole new approach to credit repair. Most of these companies that you are mentioning do not educate the client on how they got their in the 1st place, and teach them the behaviors needed to avoid going down that road again. Credit Mindset puts education 1st... Just because you have the money to do the program does not mean you will be accepted. You have to prove that you are willing to change because Credit Mindset does not want repeat clients... And the process should not take longer than 3-4 months tops... Why companies stretch it only over years, I have no idea, I guess to get the consumer to pay for a longer period of time? If you want to get a home and get educated... Go to Credit Mindset.. 215.256.4242... Based out of Philadelphia, Credit Mindset is the leader in Credit Repair with Education!

This team is amazing! No only do they help you fix your credit, but they educate you on how to maintain it! I would have gone back to my old ways if it wasn't for Brian and his team. Thanks guys!

560 to a 640 in 3 months! Not sure how they do it, but they did it! Don't know if they are "the best"? But they did what they told me they would do! A in my book.

I would not have been able to buy a home with out them. Thank You Scott!

2 Comments
34 CreditUs
35 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!

36 Xpert Credit Repair

Xpert Credit Repair's Delete Then Pay program is the best way to approach credit repair. They are fast and the company offers a free consultation so you can learn what you need to do first before hiring any company and then refers you on to a consumer credit attorney to finish any remaining unresolved issues.

37 The National Heavensent Company

I visited their office in Fayetteville, NC and took advantage of their free consultation. I was not in horrible shape but my identity was stolen while I was in Iraq. Nikki helped me dispute inaccurate items on my report, file proper police reports, put a fraud alert on my reports and advised me on ways to build positive credit. That was a couple months back and I reffered 6 Soldiers to them since and they have done an amazing job with their credit and saved one Soldier's security clearance. They are an amazing company and I am please to say last month, they financed my first home and got me the $8,000.00 tax credit. This is truly a great company and they provided me with all my rights and the credit repair laws. Highly recommend them to anyone.

Great Veteran Owned Business.. Did my Credit and Home Loan in Virginia. They also did my brother home loan in North Carolina, excellent and pleasure to work with.

This company is owned by a Combat Wounded Disabled Veteran. They are a Christian company and do wonderful business. The have a multitude of experts and provide Credit Repair Service, Home Loan Lending, Commercial Lending and Financial Planning. Many of the credit repair companies if you look on BBB have so many complaints. NHC has been in business for over 7 years and they do not have a single complaint ever filed and their bonding has never been inquired for a refund. They do amazing business and are true experts in the industry of nation wide credit repair.

Credentials for NHC:
* Accredited by the Better Business Bureau (BBB)
* Maintain an (A) rating on BBB with 0 complaints ever!
* Back and monitored by Dun & Bradsteet (D&B)
* Federally registered in accordance with the FOCA
* Licensed nationally
* Bonded Nationally
* Combat Wounded Disabled owned business
* Lifetime guarantee on services

Credit Repair Service: Free Consultation & Lifetime ...more - johny182

38 Pay After Deletion Credit Repair

I signed my wife up and it was like Danny said the first 6-10 would come flying off, the last few are the real stubborn ones. Let me get this straight though, while things were getting harder to come off, Danny had name variants come off, old addresses come off, inquiries come off, and I wouldn't believe it if I didn't see it, her bankruptcy came off. Danny takes this very seriously. He is a great man of faith and right and wrong, Danny does exactly what he says he's going to do, you hold up your end and make the payments on time to Danny and any new accounts you've opened, I usually ask Danny whats the max my wife should put on each card as she has two credit cards, one for $750 and one for. "$3200 thanks to Danny. Also a few months ago we were sweating it as we needed a new car, my wife didn't want a used one, well, I swear on everything I hold dear to me,3 months ago, we leased a gorgeous brand new 14.5 Hyundai Sonata, fully loaded, put $1880 out of pocket, included first ...more

I hired Danny 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. Danny did for me in 45 days what other firms couldn't do for me in a year of service! I have since recommended Danny to several friends and family members. If you have something nagging you on your credit report and need solutions, I highly recommend Danny's pay after deletion program. Thank you for the excellent and quick results Danny!

Danny takes his business extremely seriously, maybe he doesn't have the hundreds of people these other companies have, but what he does have is his respect and he is true to his word. Sure, there are cheaper companies that send out form letters each month and if they be one whopie! Danny takes pride in his company, if he doesn't call you back the same day as the message says, he'll call you the very next day. I think you are all being bamboozled by companies that have the money to splurge on search engine optimization and marketing. Not Danny, he'd rather spend your hard earned money putting it back in the company. I'VE been working on my wives credit file sine the end of April, and I can honestly say to you that a bankruptcy on one bureau was deleted while the same for a judgment had taken place in only 3 short months, my wife has gotten her 1st credit card! If you're in a jam with $, tell Danny about it instead of ignoring it. Danny will help you. He is truly doing God's work ...more

I was worried that this was a scam to get my initial payment and then not do anything once I signed up, To my surprise they not only worked on my credit but they helped get a bunch of items off my report. The good thing was that Danny didn't mislead me by promising me the world, he told me exactly what to expect and that is what happen. I've been with them 4 months and have had 15 deletions which included the deletion of 3 tax liens, I am very happy

17 Comments
39 The Credit Repair Agents

What a great group of people to work with. Had my score where I needed it within 2 months. Thanks!

Fast, Effective, Reliable, and answer the phone. Enough said!

40 United Credit Education Services

I was referred to United Credit by a friend who spoke very highly of the company and decided to take a chance and enroll in their services. Was definitely worth it, my score went from a 522 to a 749 within 12 months! Finally a credit repair company that does what they say they can do!

Awesome customer support and results. Priced right for the market.

I was very skeptical. A service price this reasonable could be this good. But I was wrong in the first 45 days my credit improved drastically

Wow! This company was on the cheaper end and still got 53 out of 56 collections off! A+ from our family!

3 Comments
41 Legacy Legal Services

Legacy was great! I had been with Lexington Law Firm with only one deletion in a year in a half. When I canceled Lexington I had five tax liens left on my reports. Then I joined Legacy Legal they removed them in about six months. Where I couldn't get a hold of anyone at Lexington, I had a great experience with speaking with the paralegals at Legacy. They taught me how to build my credit while they removed the negatives. My scores ended up in the mid 700s. I would tell everyone to trust their credit to Legacy Legal!

Legacy Legal really helped me get my credit scores up so I could get my new truck! The customer service was great they were really nice and down to earth and explained everything to me. The best part they help answer all my questions about my credit AND DELETED MY BAD MARKINGS... I send everyone I know to them because they helped me so much! Thanks Legacy Legal Services!

Legacy Legal cleared the negative items off of my credit reports within 3 months... I had NEVER used my credit, but that didn't stop the credit bureaus from adding negative accounts to my reports. To my suprise when I applied for a credit card, found a list of negatives that had been paid off long ago, and didn't belong on my reports. Legacy Legal also explanied to me that the Bureaus are not motivated to removed negative items on their own as consumers are not the ones that pay the credit bureaus... BOY WERE THEY RIGHT! Even with a letter from the CREDITORS saying oopps that doesn't belong on your reports, I still had to have Legacy Legal help me, Thanks for you help Legacy Legal and I am now the proud owner of my first home!

Legacy Legal is doing a great job for me. I lost my house last year and my credit dropped into the 500s. I am now in the high 600s in only 6 months. I am also learning a lot of new things to keep my scores high. So far, I am very happy with all the help they have given. Thanks Legacy Legal!

2 Comments
42 Go Clean Credit

Very good results. Tons of education. I never knew everything worked that way until their team sat down and explained everything to me. Would highly recommend!

I am so thankful I went to go Clean Credit. They raised my score from 493 to 665! They changed my life. They remove items as quickly as possible and have great one on one service.

Their Customer service, experience, and knowledge was the BEST! Thank you for your help!

These guys definitely should be number one. They even have a guarantee for using the service.

2 Comments
43 Credit-CPR

They really are the best in the business. I have been lied to numerous times in the past by companies who claim to be able to work magic. Credit CPR is NOT like that at all. They actually turned down my money because they felt that they could not truly improve my score, and that was definitely the first time any business has declined to take a payment for me. It's that type of INTEGRITY that makes Credit CPR the best. They will only accept your money if they genuinely feel that they can make a difference.

Credit-CPR Helped me and all my family members improved their our credit reports, saving us literally thousands of dollars in high interest rate. This company has been in our community for many years as they came highly recommended to me nearly 10 years ago. I can tell that Credit-CPR was successfully doing business years before many others even decided to get involved in this business after the credit crash.

Credit CPR is all about getting things done fast. Some Credit Repair companies will limit the number of disputes they will do for you each month to drag out the time it takes to get your credit fixed. Credit CPR disputes everything on your report the day you get started. In the first 30 days you get your updated reports with all the results of their efforts. Very pleasing to say the least.

Credit CPR will be the first credit repair company to tell you the truth whether they can help you or not. When they take on a customer it is because they know how to help them effectively. They fixed my credit within a short period so I highly recommend them.

22 Comments
44 CreditSense
45 Burel Credit Consulting

This firm is the best and most reasonable priced of all companies. Within 60 days, I was approved for a new home AND car. Before I wasn't even eligible for a secured credit card. Ericka Burel is the best in the business.

46 Credit On Point Inc.

Credit On Point will work to restoring your credit. Unlike most credit repair companies, they aggressively attack inaccurate items to get you results quicker.

47 Monarch Credit Repair

I read many reports about rip-off companies. These guys gave me a written agreement and only charged me for what they were able to do and there were no monthly billing fees. I paid a flat price.

I had 2 incorrectly reported accounts and a collection that was showing unpaid. Monarch was able to have the collection account marked paid and the accounts updated to pays as agreed.

Monarch Credit Repair was very helpful and compassionate. Answered all my questions and raised my fico score by 103 points in 2 months.

I called Monarch to repair my credit and was very pleased. Honest, friendly and kept on it until my credit was corrected.

6 Comments
48 Fowler and Fowler Credit & Debt Solutions, Inc

Had no problems with their service--after six months at a low fee my credit in now completely cleaned up. I wish I had done this years ago!

In business doing Credit Repair exclusively for 11 years with a combined experience of over 30 years repairing consumer credit files. BBB members since 1998 with an A rating and a money back gaurentee. What else could you ask for?

I am elated with the job they did on my credit reports! My score jumped from 534 to 677 on Experian, amazing! I reccomend Fowler and Fowler every chance I get, They are the best!

I am currently useing fowler @ fowler and the first thing they removed from my credit
Report was a bankruptcy, you would have thought it would have been an inquiry but hey,
Guess she decided to go for the head of the beast and the rest is a piece of cake.

49 Andorra Credit Repair
50 Credit Assistance Network

My husband and I have been members of Credit Assistance Network for the past eight months. In that time my husband's credit score has gone up by 90 point for one agency and 83 points in another. We are pleased with his results. My results have not been nearly as impressive. My best increase is only 38 points with one of the agencies. Still overall I would highly recommend Corey and his team to anyone that would like help improving their credit scores. It is rare to find a company that does what it says they are going to do all while providing excellent customer service.

Even though my wife's results were better than mine; we both really appreciate all the extra attention Credit Assistance Network has given to us and our scores have helped us more ways than you could imagine! If anyone needs a reference, please don't hesitate to e-mail myself or my wife.

I used em, they took 8 months to remove a bankruptcy, a judgment and about 15 collections, money well spent

They were polite, informative, and understanding of my situation. Overall they helped me achieve my goals in less time than I had expected, and increased my credit score tremendously.

2 Comments
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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.

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.

*A Trusted Partner designation denotes a listing whose rank has been determined by our staff. Typically, TheTopTens receives compensation for these placements in the form of commissions on sales or leads generated through this site. Because our compensation is tied to consumer behavior, we are incentivized to promote the companies and products people are more likely to respond favorably toward.