5 Best Credit Repair Companies to Fix Your Credit

Bad credit makes life difficult. I encountered this when paying off debt. My credit was in shambles, and even after achieving debt freedom, I faced challenges due to credit. It’s easy to think there’s no help to improve your situation. That’s not the case. One option is to use one of the best credit repair companies to help improve your credit and get back on track.

Credit impacts numerous areas of life. You typically can’t qualify for a loan with bad credit. It’s difficult to even get a new cell phone contract or even rent an apartment with bad credit.

The credit system isn’t perfect, but it impacts much of our finances. If you have bad credit, you may see credit repair companies advertise their services and wonder if they can help.

The short answer is yes, they can help, but there are scams to avoid. If you want to figure out how to fix your credit, and looking for options, our guide shares the top credit repair companies and what to look out for when hiring a service.

How Does Credit Repair Work?


Before we cover the best credit repair services, it’s crucial to know credit repair works. It’s easy to get confused and not know what you will receive by hiring a firm.

You may see companies making wild promises of a guaranteed increase to your score in a few months, or some other claim.

It’s often best to run the other way when you find such services. This is what credit repair companies typically do:

  • Request a credit report from all three reporting agencies – Equifax, Experian, and TransUnion
  • Identify negative items on your report to dispute
  • Negotiate with creditors to remove negative items and dispute errors

You can do all of these items yourself, but it does take time. It also takes a willingness to negotiate with vendors to remove negative items from your credit report.

You may enjoy doing this, but for many, they feel better with an advocate working on their behalf.

All of this is different than working to build credit. If you need to build credit, a service like Credit Strong is a good choice as they provide credit builder loans to help you build your credit.

You can read our Credit Strong review to learn how that service works.

Legitimate credit repair companies help you wade through the maze of improving your credit so you can get back on your feet. Key in choosing a service is using due diligence to find a company you trust.

Best Credit Repair Companies


Finding help to repair your credit may seem difficult. You want to learn how to avoid scams and find a reputable service to help your situation. Here are the five best credit repair companies to fix your credit.

1. Lexington Law


Lexington Law is one of the most well-known players in the credit repair space. The firm began in 1991 and operates throughout the country, with the exception of North Carolina and Oregon.

When you hire Lexington Law to help you receive an account representative to personally walk you through their process. These individuals are paralegals and qualified to help you formulate a plan.

This provides personalized support instead of dealing with luck of the draw with a general customer service representative.

Lexington Law offers three tiers of service, each with a different cost. Those plans are:

Concord Standard – This is the standard service, and it offers all of the aforementioned services. They communicate with creditors to help improve your credit. This service costs $89.95 per month.

Concord Premier – This includes everything from above plus credit monitoring, access to InquiryAssist to help you manage inquiries, and monthly analysis of your credit score. This service costs $109.95 per month.

PremierPlus – This service includes all of the above, plus real-time fraud alerts, Cease and Desist Letters, identity protection, and other personal finance tools to help manage your finances. This service costs $129.95 per month.

Before signing up for a plan, you receive a free consultation to cover your situation. They then charge you a one-time $99 to begin on your plan, and the monthly charge occurs 30 days after the initial fee.

The Concord Standard Plan is sufficient for most individuals. If you have a more advanced situation, it may be worth it to consider the higher-tier plans.

What to Like about Lexington Law

  • Free consultation
  • Personalized service from a paralegal
  • Nearly three decades of experience
  • Three levels of service
  • 50 percent discount for a family member that joins for similar service

What not to Like about Lexington Law

  • One-time $99 fee
  • Credit report pulls only free in two higher plans
  • No money-back guarantee

Overall, Lexington Law is one of the top credit repair companies to consider. They offer expert-level support to help improve your credit. We like that they offer three plans so you can choose the best fit for your needs.

2. CreditRepair.com


If you want to know how to repair your credit, CreditRepair.com is a good choice to consider for your situation. The firm is nearly as old as Lexington Law, as they began service in 1997.

Like Lexington Law, you receive a complimentary consultation when you begin. This includes a credit report summary and score evaluation. You will find a lot of similarities between Lexington Law and CreditRepair.com as they’re owned by the same parent company – Progrexion.

One key difference is how the two manage pricing. CreditRepair.com offers a more straightforward option, with only one plan. You don’t receive a representative, but the firm is highly active on social media.

That’s in addition to customer service, so you have multiple options to contact the company.

The CreditRepair.com plan costs $99.95 per month, and you receive the following items:

  • Personalized online dashboard
  • Score tracker and analysis
  • Mobile app
  • Text and email alerts
  • Credit monitoring through TransUnion
  • Dispute claim filing
  • Access to resources to learn more about improving your credit

The company implements a three-step plan through the service. They refer to it as Check, Challenge, Change. This isn’t really different than other firms but describes the process they follow to fix your credit.

What to Like about CreditRepair.com

  • One easy-to-understand plan
  • No initial fee to start services
  • Educational resources
  • Credit monitoring through TransUnion
  • $100 discount if your spouse signs on for service

What not to Like about CreditRepair.com

  • No dedicated representative
  • No money-back guarantee
  • $14.99 one-time fee to pull your credit report

Overall, CreditRepair.com is one of the best credit repair services to work with. They offer various methods to help improve your credit, plus offer tools to increase your knowledge.

With one simple plan, it’s easy to understand what you receive for your money.

3. The Credit People


The Credit People are one of the most legitimate credit repair companies in the space. The agency has been in business since 2001. The company sets itself apart from others by offering a seven-day $19 trial to test their services.

Yes, you will need more time than that to repair your credit, but the trial allows you to gauge their ability to help with your needs. Another area The Credit People differentiate themselves in is they focus primarily on improving your credit score.

Other firms do not make this their primary focus, though The Credit People does. They help you decide what accounts to close and keep open and how to manage debt in the future.

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Like other credit repair companies, you receive a free consultation when you start with The Credit People. The company has just one plan, which costs $79 per month.

You receive a one-time $20 discount if your spouse joins at the same time.

You can expect to receive the following through their plan:

  • Unlimited disputes
  • Six-month service for $419 if you don’t want a monthly plan
  • 24-hour customer service
  • Credit reports and scores from all three reporting agencies
  • Negotiations for outstanding debt and items in collection
  • Reference letter to lenders

The best part about hiring The Credit People is that they offer a six-month money-back guarantee. Other credit repair companies offer similar guarantees, but this is among the best in the field.

What to Like about The Credit People

  • Lower price versus their competitors
  • Six-month money-back guarantee
  • No fees to pull credit reports
  • 24-hour customer service
  • Seven-day trial

What not to Like about The Credit People

  • Limited educational resources
  • No dedicated representative, though you work with a team of three representatives
  • No fraud alerts

Overall, The Credit People is one of the best credit repair companies to hire. They offer a simple, straightforward path to improve your credit. The generous money-back guarantee alone makes them worth looking at for assistance.

4. National Credit Care


National Credit Repair is another credit repair agency that focuses specifically on improving your credit score. Your credit score is vital in achieving financial goals, and National Credit Care works to increase it over time. They have been in business since 2005.

Like other services on our list, National Credit Care offers just one plan. The plan costs $79 per month. You receive the following with the plan:

  • 24-hour access to U.S. based customer service
  • Live representative assigned to your account
  • Monthly credit score updates
  • Educational resources to help you grow in financial literacy
  • Negotiations for outstanding debt and items in collection

One unique feature offered by National Credit Care is they work with mortgage lenders on your behalf. If you work with the agency to improve your credit, they may refer you to mortgage lenders who specialize in helping those with less than perfect credit.

National Credit Care can also help you focus on items that will put you in a better position to qualify for a mortgage.

While the agency offers a free consultation, they do charge a one-time $189 fee to analyze your credit reports. This is in addition to the $79 monthly fee.

What to Like about National Credit Care

  • Lower monthly price versus competitors
  • 24-hour customer service
  • Educational resources
  • One easy-to-understand plan
  • Help with securing a mortgage

What not to Like about National Credit Care

  • One-time fee of $189
  • No money-back guarantee

Overall, National Credit Care is one of the top credit repair companies available. Their lower cost and unique mortgage features mean you get a great deal of bang for your buck.

5. The Credit Pros


The Credit Pros are the youngest agency on our list of legitimate credit repair companies, having started in 2009. Don’t make the mistake that their youth makes them less capable, however, as they’re transparent in what they offer, and they provide contact information for team members directly on their website.

The Credit Pros offer three plans:

Money Management – This is their standard plan that includes monthly TransUnion credit monitoring, including your score, identify protection, plus personalized dashboard. This plan costs $69 per month, plus a $119 one-time fee.

Prosperity Package – This includes everything from the above plan plus debt validation letters to creditors and a budgeting system. This plan costs $119 per month, plus a $119 one-time fee.

Success Package – This includes all of the above plus other small features. This plan costs $149 per month, plus a $149 one-time fee.

The money management plan is sufficient for most individuals, as many of the benefits of the higher tier plans are not worth the cost.

Like other firms, The Credit Pros offer a free consultation to start and access to educational, financial resources.

What to Like about The Credit Pros

  • Educational resources to learn more about credit
  • Personalized dashboard to monitor your credit
  • Three levels of service
  • Free consultation
  • Transparency from leadership

What not to Like about The Credit Pros

  • No money-back guarantee
  • No family discounts

Overall, The Credit Pros is one of the best credit repair companies for those looking for different options. They offer personalized service to help improve your credit.

We like that they offer three plans so you can select the best fit for your needs.

How to Fix Your Credit FAQs


You may be asking yourself “how do credit repair companies work?” and wonder if they’re a legitimate way to repair your credit. Below are a few commonly asked questions to consider before hiring an agency.

Do I need to hire a credit repair agency?

No, you don’t need to hire a credit repair company to fix your credit. Much of what they do is something you can do by yourself.

You can get access to your credit reports. You can also negotiate with creditors. The best way to do this is to request a free credit report at AnnualCreditReport.com and go through it to see where you stand.

Keep in mind this does take time and a willingness to negotiate. Credit repair companies remove the emotion to help achieve a better result.

You can accomplish similar results on your own, but it does take time and effort.

Will paying off my debt repair my credit?

Yes, it contributes to repairing your credit, but it may not be all that’s needed to sufficiently improve your credit.

Other factors like disputing errors, paying bills on time, and different types of credit all play a role in repairing your credit.

Can a credit repair firm guarantee my credit score will improve a certain amount?

Yes, they can make that guarantee, but it should cause you to look at them skeptically. No one can guarantee a certain increase as each situation is different.

If you find an agency making such claims, look elsewhere as it’s likely a scam.

How long does credit repair take?

Each situation is different. If you have an involved credit situation, it may take several years to realize true success.

A less problematic situation may bring success in under a year. Regardless, prepare yourself for improvement to take some time.

How much does credit repair cost?

You can see a good range of what credit repair can cost from the companies on our list. You can expect to pay $70 to $100 per month for assistance.

Some companies charge a one-time fee, or other fees to start service. Make sure you know how much service will cost before you hire a company.

How can I avoid credit repair scams?

It’s best to go with your gut when researching credit repair companies. If a company doesn’t seem right or give unrealistic promises, it’s best to look elsewhere.

The best way to avoid credit repair scams is to do due diligence. Research several companies and look for user reviews online. Don’t just rely on testimonials from a company’s website as they highlight the best ones.

Alternatively, expect to find negative reviews of all companies. They may be legitimate complaints but mixed with those are complaints from individuals who have unrealistic expectations from the start.

Those have nothing to do with a company, but misplaced expectations. Like anything financial, do your homework and hire a company that feels right.

Don’t hire a company that gives vague promises, but one that helps you create a specific plan to improve your credit.

The best credit repair companies give expert advice to improve your credit. Here are the 5 best credit repair services to fix your credit for good

Best Credit Repair Services: Bottom Line


Our credit scoring system is not perfect. However, it’s one we must navigate to realize our goals. There are no quick fixes to repair your credit. It takes time to clean up your credit, but the effort is worth it in the long-term.

While you can take a DIY approach to improving your credit, many of the best credit repair companies simplify the process.


What do you search for when looking for credit repair companies? What strategies do you follow to maintain good credit? How often do you check your credit report?

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