Around 1 out of 4 customers have a problem with their credit report that makes them look like high risks to lenders. This will make it harder for them to get loans and competitive interest rates.
Here’s where professional credit repair services can help you out. These services will help you remove inaccurate information by corresponding with creditors and collection agencies. Then, they dispute unfair accounts just for you. Read below for more information on the different credit repair companies and look for the best features.
Check out how to improve your credit here.
How Credit Repair Services Work
Many credit repair services will get your credit report, analyze it, look for mistakes, and work on how to fix any problems they find. You can do this yourself, but hiring a professional will save you time. Additionally, these agencies will negotiate with creditors for you, submit forms, and more.
How to Compare Credit Repair Services
When you work with a credit repair agency, you’ll give them access to your personal information. This is why it’s important for you to do your research before settling on one agency. This is what you should consider:
Credit Repair Services
What does a credit repair company offer? Generally, they would give some features like:
- Pull your credit reports from all 3 bureaus
- Review your credit reports
- Identify negative items
- Dispute negative items
- Offer educational materials on how credit reporting works
- Set up a plan to build positive credit
- Provide monthly updates
Pricing
Many credit repair companies will charge a monthly fee, and an initial processing fee. You should look for companies with a free consultation to see if they can help you before paying anything. Additionally, pick a company that offers money-back guarantee just incase.
Written Contract
All credit repair companies need to give you a written contract which will go over the outlines of their services and prices. Plus, some will need a minimum commitment, while others work on a monthly basis. However, we prefer the latter since you can cancel the service whenever you want without paying a penalty fee.
Customer Reviews
You can find plenty of reviews and how these companies work by reading over them. Check the Better Business Bureau (BBB) and TrustPilot.
Customer Support
It’s easy to reach a customer support team depending on the service you sign up for. Will you be able to email, phone, or live chat with them? Be sure to check their hours of service and estimated response time when you apply.
Best Credit Repair Services
Here’s out list of the best credit repair services of the year:
| CreditRepair.com | Best overall |
| CreditZO | Best low-cost service |
| Credit Saint | Best money-back guarantee |
| Lexington Law | Best personalized service |
| SuperMoney | Best for comparing |
| Self.inc | Best for credit builder loans |
CreditRepair.com – Best Overall
A creditrepai.com membership will come with:
- A personal dashboard online
- Dedicated member advisors
- Monthly credit score analysis
- Identity theft insurance
- Updated credit scores every 90 days
- Mobile app and customizable text alerts
(Visit for more information)
| Monthly Fee | $99.95 |
| Initial Fee | $14.99 |
| Money-Back Guarantee | None |
| Trustpilot Rating | 4.4/5 |
| Details | Free consultation Flat-fee pricing Dedicated member advisors Identity theft insurance Credit education resources |
CreditZO – Best Low Cost Service
CreditZO is different compared to the other credit repair services. They don’t charge a fee for filing credit error disputes for you. But, you will have to pay to pull your credit report from a third party, and a monthly fee from $14.99 – $27.99 to monitor your credit.
(Check out for more details)
| Monthly Fee | Starts at $14.29/month |
| Initial Fee | Third-party credit pull – Credit Bliss $4.97/month – PrivacyGuard $19.99/month – SmartCredit $19.95/month |
| Money-Back Guarantee | None |
| Trustpilot Rating | N/A |
| Details | Low-cost Credit repair advice Referrals to credit card providers & lenders |
Credit Saint – Best Money Back Guarantee
There’s so much to Credit Saint that you’ll definitely like. Their 90-day money back guarantee is one of the features you’ll like the most. The credit repair service also comes with free consultation and is one of the few in the industry with an A+ Better Business Bureau (BBB) rating. However, be warned, this great services isn’t cheap.
(Visit for more information)
| Monthly Fee | Starts at $79.99/month |
| Initial Fee | Starts at $99 |
| Money-Back Guarantee | 90 days |
| Trustpilot Rating | 3.3/5 |
| Details | Free consultation BBB A+ rating Not available in South Carolina |
Lexington Law – Best Personalized Service
Each Lexington Law customer will get an account representative. It’s usually a paralegal who can work with you during your credit repair journey. Additionally, you’ll have a familiar voice to look over the details of your case and financial profile. Not to mention, a personal advisor who knows the ins and outs of your credit situation. Lexington Law comes with free consultation, a give 50% off, get 50% off referral program expanded service hours.
(Check out for more details)
| Monthly Fee | Starts at $89.85/month |
| Initial Fee | None |
| Money-Back Guarantee | None |
| Trustpilot Rating | 4.3/5 |
| Details | Free consultation Referral program Expanded customer service hours Helpful educational resources |
SuperMoney – Best for Comparing
SuperMoney is an aggregator website that will enable you to compare different financial products and companies. This will include credit repair agencies in one spot as well. Utilizing a prprietary, weighed, so sorting algorithm, the comparison service takes a look at various important information. This information is customer reviews, if there’s a money back monthly fee, initial processing fee and more.
(Visit for more information)
| Monthly Fee | None |
| Initial Fee | None |
| Money-Back Guarantee | None |
| Trustpilot Rating | 4.9/5 |
| Details | Ranks credit repair agencies |
Self.inc – Best for Credit Builder Loans
Self.inc gives credit builder loans to help you better your credit score, without any money upfront. A hard credit pull isn’t required, and it comes with complimentary credit score monitoring. Additionally, you can get a $10 cash bonus for each person you refer towards this service.
(Visit for more information)
| Trustpilot Rating | 3.1/5 |
| Details | No hard credit pull No deposit required Free credit score monitoring $10 referrals |
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