Best Credit Repair Companies
If you are looking for credit repair companies, you might encounter countless frauds along the way that promise you a guaranteed score improvement. However, no legit credit repair company should promise you that, as each person's credit report is unique, and yours just might not have any inaccurate information or discrepancies.
In this article, we will guide you through five of the best credit repair companies with what they offer, their plans, and prices.
The Best Credit Repair Companies
1. Lexington Law
Lexington Law is by far an industry leader in credit repair. It is also a law firm that offers a bunch of legal services such as divorce, bankruptcy, litigation, child custody, and much more. As a credit repair company though, Lexington Law has removed over 56 million negative items and sent out over 221 million disputes since they were founded.
Lexington Law offers three subscription plans for its credit repair services, each covering certain services:
Concord Standard: $95.95 per month
This is the basic credit repair plan, and it offers a full range of services that small credit repair companies offer, such as:
- Credit disputes
- Creditor intervention
- Inquiry assist
- ID theft insurance
- Debthandler
Concord Premier: $119.95 per month
The Concord Premier plan covers all the services in the previous plan, in addition to the following:
- Credit score analysis
- Credit monitoring
- Alerts when the score changes
Premier Plus: $139.15 per month
This is the most comprehensive credit repair package from Lexington Law. Besides all the previously mentioned services, you also get the following:
- Cease and desist letters
- Access to FICO
- Score tracker
- Financial planning tools
- Lost wallet protection
- Junk mail reducer
2. Credit Saint
Credit Saint earns our second-best position as the best credit repair company. With over 18 years of experience in repairing its clients' credit scores and reports, Credit Saint has racked up a 4.4/5 star rating from over a thousand Google Reviews. The company was also accredited by the Better Business Bureau in 2007 and has maintained an A+ rating.
Credit Saint can remove the following negative items on your reports:
- Late payments
- Charge offs
- Collections
- Repossessions
- Judgments
- Inquiries
- Foreclosure
- Liens
- Bankruptcies
Credit Saint offers three plans, each tailored for its clients' specific needs. Each plan also comes with a 90-day money-back guarantee, which promises a full refund if no negative items were removed within that period.
Credit Polish: $79.99 per month + $99 first work fee
This plan will provide you with:
- Challenges to the 3 Credit Bureaus
- Score Analysis
- Creditor Interventions
- Score Tracker
Credit Remodel: $99/month + $99 first work fee
This plan will have all that is offered with the Credit Polish plan, in addition to:
- Inquiry Targeting
- Experian Monitoring
Clean Slate: $199.99/month + $195 first work fee
This is the full-service plan offered by Credit Saint. It offers all of the following:
- Unlimited Challenges to the 3 Credit Bureaus
- Score Analysis
- Creditor Interventions
- Score Tracker
- Inquiry Targeting
3. The Credit Pros
As for our third pick, The Credit Pros earns this spot. The Credit Pros was founded in 2009 and has grown to become one of the best credit repair companies on the market. It has earned an A- rating from the Better Business Bureau, but it remains unaccredited by them.
The Credit Pros offers five main services:
- Identifying inaccurate credit items and getting them removed to increase your credit score.
- Credit counseling to help you with your credit score.
- Credit education resources and tools to help you better understand how credit scores work.
- Outline of written material that covers credit scores and other valuable info.
- Informing you of your legal rights according to the law.
As for its service pricing, you are offered three plans:
Money management: $69/month + $119 first work fee
This plan will provide you with:
- One-bureau report and scores
- ID Cover® Darkweb monitoring
- TransUnion® alerts
- Real-time account sync
- Bill reminder
- Budgeting system
Prosperity Package: $119/month + $119 first work fee
This plan offers everything provided in the previous plan, in addition to:
- Credit bureau challenges
- Creditor interventions
- Cease & desist letters
- Letter of reference
Success Plus Package: $149/month + $149 first work fee
This plan is the full-service package from The Credit Pros. It will provide you with all the previously mentioned services, plus:
- Credit Builder Loan
- Three-bureau reports and scores
4. Sky Blue
Sky Blue is our fourth recommendation for the best credit repair companies. It has been helping people fix their credit reports since 1989, and has earned an A+ rating from the Better Business Bureau and a 3.67-star rating from an average of 21 customer reviews.
Sky Blue offers its all-inclusive services in one payment plan, where you get:
- Pro analysis
- Faster disputes
- Custom disputes
- SOL research
- Score assistance
- Credit rebuilding
- Debt validation
- Goodwill letters
- Cease & desist
- Coaches-on-call
You can get started with Sky Blue for $0, and in six days, you will be charged a $79 setup fee and then a $79 monthly fee. Sky Blue also offers a couples discount plan for $119 per month and a $119 setup fee.
Moreover, Sky Blue also offers a 90-day money-back guarantee where you get a full refund if it fails to remove any negative items from your reports.
5. MSI Credit Solutions
MSI Credit Solutions is our last recommendation for one of the best credit repair companies out there. MSI Credit Solutions is a certified member of The National Association of Credit Services Organizations (NACSO). It has also earned top rating scores such as a 4.8-star rating from Google and Facebook reviews and 4.7 stars from Trustpilot.
As for its services, MSI Credit Solutions will provide you with the following:
- One-on-one in-depth credit consultation with a Senior Credit Expert
- Unlimited disputes to the three major credit agencies, Equifax, Experian, and TransUnion
- Debt validation letters to creditors and collection agencies
- Cease and desist letters to collection agencies
- Pay to delete
- Additional support and coaching through their customer support team
- 24/7 access to the MSI Credit Portal
MSI Credit Solutions charges two fees for its services, a personalized setup fee starting at $98, a monthly investment of $98 for single enrollment, and $69 per month for joint enrollment.