Your credit score affects nearly every aspect of your life.
People with a low credit score will pay thousands more per year in car insurance, loan payments, and mortgage costs. A bad credit score could even prevent you from getting a job.
Fortunately, there are ways to fix a bad credit score. Every year, people improve their credit score using reputable credit repair services. A good credit repair service can improve your credit score by hundreds of points.
Every credit repair service claims to fix a bad credit score. However, not all credit repair services live up to that reputation. Some genuinely improve your credit score for a competitive fee.
What’s the best credit repair service? Which credit repair company should you pick? We tested and rated the internet’s best-known credit repair services. Here’s what we found.
Ranking the Best Credit Repair Services and Top Companies 2021
After testing and analyzing multiple credit repair services, we ranked the best options available, assuming you’re an average person seeking to improve your credit score. Here are our rankings of the best credit repair services available today:
- Sky Blue Credit
- Credit Saint
- Lexington Law
- Credit Sesame
- Credit Karma
- The Credit Watcher
- Credit Monkey
- The Credit People
- Leap Credit
Let’s jump right into the top rated credit score repairing companies worth considering to see which are the best services to try for real help and legitimate support:
Sky Blue Credit
Sky Blue Credit is a credit repair company priced at $79 per month, which includes a free six-day trial period. All purchases also come with a 90-day moneyback guarantee – something we don’t always see with other credit repair companies.
Sky Blue Credit has offered credit repair since 1989, making them one of the oldest providers on this list. Another perk is that the company identifies credit issues other companies ignore, potentially giving you a better score improvement than you would with any other provider on this list.
Other perks of Sky Blue Credit include professional analysis, faster dispute resolution (15 items every 35 days), custom disputes tailored to your situation, and state law research for each debt collection matter, among other perks. Sky Blue Credit is the top-ranked credit repair company on this list with thoughtful challenges and actionable improvements in credit score.
Credit Saint, found online at CreditSaint.com, is a credit restoration service that claims to be #1 in challenging inaccurate credit data. The company provides a free consultation up front, making it easy to see exactly how Credit Saint works and how they can help you.
In fact, Credit Saint is one of several companies on this list offering a 90-day moneyback guarantee. You can request a complete refund on your purchase within 90 days. If you’re unsatisfied with the effects of Credit Saint, or if you did not like how Credit Saint improved your credit score, then you can request a complete refund.
Credit Saint also gets top marks for its private dashboard, its educational materials, and its overall experience. The company makes it fast, easy, and effective to improve your credit score. Credit Saint also provides free services beyond its paid credit repair service, including a free credit evaluation for those who want to dip their toes into the world of credit repair.
Lexington Law, found online at LexingtonLaw.com, offers an effective credit repair process with the backing of a professional law firm. Good credit repair isn’t instant: it takes time, effort, and legal expertise. With Lexington Law, you get this expertise on your side, helping you repair your credit score.
Lexington Law starts by researching and reviewing your credit score. The firm looks at your credit report and determines which negative items are wrongfully hurting your score. Then, the firm challenges and disputes each item, asking the bureaus and your creditors to verify the negative items as accurate and fair. If they can’t verify this information, they legally need to remove them. Finally, Lexington Law manages and monitors your credit score over time, tackling new issues as they appear on your report.
Lexington Law is also one of the most experienced credit repair websites on this list. Founded in 2004, the company has facilitated over 70 million removals from customers’ credit reports. With nearly 20 years of experience repairing credit scores for customers, Lexington Law continues to be one of the best options available.
CreditRepair.com provides several free perks we don’t see with other providers on this list, including a free credit score and summary, a free negative item review, and a free credit improvement plan – something we don’t get with other providers on this list. After obtaining all of this free information, you can proceed with CreditRepair.com’s full credit repair services.
CreditRepair.com works similarly to other top-rated providers on this list. The company analyzes your credit report for erroneous entries, then challenges bureaus and lenders to verify the accuracy of these entries. By law, bureaus must remove any entries they cannot prove. Through this method, CreditRepair.com could significantly improve your credit score.
CreditRepair.com has helped with 1.8 million removals since 2012. Since launching the business, the website has provided 19+ million challenges and disputes. They also sent more than one million interventions in 2019 alone. For all of these reasons and more, CreditRepair.com continues to be one of the top-rated credit repair services available today. It’s also one of the few on this list with flexible pricing options, including aggressive, moderate, and basic plans based on how much you want to improve your credit score.
TransUnion is one of three major credit bureaus in the United States (along with Experian and Equifax). TransUnion offers credit repair services and other credit protection services. TransUnion tracks your credit score as a for-profit business and offers subscription services to help track and improve your credit score over time.
TransUnion offers multiple tools that can help repair your credit score. By subscribing to TransUnion’s subscription services for $25 per month, you get tools like CreditCompass, for example, and Credit Lock Plus. CreditCompass provides recommendations to point your credit score in the right direction. At the same time, Credit Lock Plus lets you shield your TransUnion, and Equifax reports in a couple of clicks, protecting you from further damage if your info is compromised.
Another perk of TransUnion’s subscription is the ID theft insurance. Subscribers receive $1 million of identity theft insurance. If someone uses your information and costs you money, then TransUnion will compensate you. Plus, TransUnion has plenty of tools to help you repair and manage your credit with free ID protection and other perks.
Credit Sesame helps you access, understand, and leverage your credit score. It’s also one of the few providers on this list with an effective mobile app. The Credit Sesame mobile app is available for Android and iOS, making it easy to manage and repair your credit score on the go.
The core of Credit Sesame’s app revolves around the personal credit management (PCM) platform. From this platform, you can monitor and observe all issues linked to your credit. You can access your credit score, view your credit report for free at any time, and get insight into what your credit score means.
The best part about Credit Sesame is that it’s free. While most other providers on this list charge a fee to access your credit report, Credit Sesame is free to use. The company provides personalized offers based on your credit, letting you leverage your credit for various opportunities. If you take advantage of those opportunities, then Credit Sesame receives a cut. Otherwise, the app is free for anyone to use.
Credit Karma is one of the best-known credit repair services available today. The company offers an extensive selection of credit repair services and other credit-related products. By downloading the free Credit Karma app today, you’re joining a community of over 100 million members who use Credit Karma to make financial progress.
Credit Karma, like Credit Sesame, is free. The company gives you free insight into your credit score and credit report in exchange for using that information to present you with offers. Credit Karma displays offers for credit cards, loans, accounts, savings opportunities, auto financing, mortgages, and more. You don’t have to take advantage of any of these opportunities, and the app can be legitimately free to use.
Sometimes, the best credit repair services are the ones that you manage yourself. Credit Karma makes it easy to manage and monitor your credit score, allowing you to avoid the penalties of erroneous entries.
The Credit Watcher
The Credit Watcher found online at TheCreditWatcher.com lets you instantly access your three credit scores from the three major bureaus. You get secure online delivery of your three credit reports instantly, and then you can continue getting your credit scores and credit reports daily.
Like Credit Karma and Credit Sesame, The Credit Watcher works best as a monitoring and reporting service. It’s not a full-service credit repair company. However, the company can give you the information you need about your credit, allowing you to track improvements over time – and avoid erroneous entries.
The biggest drawback of The Credit Watcher is the price: at $39.90 per month, the company provides similar information to the free credit monitoring services above. The company doesn’t present you with the same personalized offers as Credit Sesame and Credit Karma, but you pay a premium to avoid having your information sold.
Credit Monkey is a credit repair service found online at CreditMonkey.com. The service is priced at $99 to $499 per month and available in all 50 states. Credit Monkey claims to provide meaningful improvement to your credit score by removing erroneous entries.
According to Credit Monkey, 89% of credit reports contain mistakes or serious errors. These errors can be as simple as inquiries. Or, they can be things like bankruptcies, collections issues, charge-offs, and late payments, all of which can lower your credit score.
Credit Monkey offers six different plans. The more you pay, the more entries you can remove from your credit report. The basic $99 per month plan, for example, will remove up to five negative items from your record. The highest level plan, at $499 per month, including five active credit cards, a $10,000 credit line, and removal of an unlimited number of public records, negative items, and inquiries, among other perks.
MyFICO is the official consumer division of FICO, an analytics company that tracks your credit score using data from all three bureaus. MyFICO offers a subscription service for $29.95 (for Advanced) or $39.95 per month) (for Premier). Both subscriptions let you continuously monitor your credit score, making it easy to check for errors and mistaken entries.
Overall, MyFICO advertises its credit repair and monitoring services as all-in-one solutions. Instead of only getting data from one or two credit bureaus, you get data from all three bureaus. Your lenders are using your FICO score already – so make sure you know what your FICO score is and how it works. With 90% of top lenders using FICO scores to calculate rates, MyFICO can make it easy to track the important metric and improve your credit score.
With MyFICO’s subscription services, you get complete three-bureau coverage, $1 million of identity theft protection, 24/7 identity restoration service, and continuous monitoring of your score, credit report, and identity. The only difference between the Advanced and Premier plans is that the Advanced plan gives you updates every three months, while the Premier plan gives you updates every month.
CuraDebt has provided debt relief across the United States since the year 2000. Today, the company continues to provide relief for credit cards, medical bills, tax debt, and other unsecured debt.
CuraDebt offers a free savings estimate that allows you to see how much you can save before ordering anything through the company. With over 200,000 clients served over the last 20 years, CuraDebt is a top-rated debt relief company that could ease the financial burden at a time when you need it most. The team at CuraDebt has over 100 years of combined experience solving tax debt issues, focusing on tax resolutions, audit defense, complex resolutions, partial payment plans, and non-collectible resolutions.
One of the best ways to improve your credit score is to reduce your debt. A debt relief company like CuraDebt can help significantly reduce the amount of money you owe, helping you quickly raise your credit score.
FreeScore360 provides credit scores from all three bureaus in exchange for a $29.95 per month subscription fee. You get a 7-day free trial, allowing you to access your credit scores for free today instantly. Then, on the seventh day, FreeScore360 charges you $29.95 per month, and the company continues to charge you $29.95 per month for ongoing monitoring until you cancel.
Your subscription comes with access to FreeScore360’s ScoreSense system, which includes daily credit monitoring and alerts. There’s also an interactive learning center giving you further insight into your credit score and how it works.
Overall, FreeScore360 offers similar credit monitoring and reporting to other credit repair services above, although it lacks the reputation of other top-ranked providers – despite charging similar pricing. However, it may be the best choice for those who want to check their credit scores without breaking the bank quickly.
The Credit People
The Credit People estimates that the average customer will increase their credit score by 53 to 187 points after using their program. The company also has strong reviews online from Consumer Affairs and other major review websites. To date, The Credit People has removed more than 1.4 million credit issues for customers. The company also claims 78% of its users have been approved for auto loans, 71% approved for home loans, and 81% approved for new credit, among other perks, after using their service.
Found online at TheCreditPeople.com, The Credit People gives you access to all three credit reports and credit scores today. Then, you get guaranteed results in fewer than 60 days, with The Credit People taking specific steps to improve your credit score.
Although The Credit People seems like a new service, the website has existed for 15 years. With credit repair services starting at just $19, The Credit People is one of the top credit repair services available today. The company offers repair services that go above and beyond the monitoring services above.
Leap Credit, found online at LeapCredit.com, makes it easy for people with all levels of credit to get the money they need as quickly as possible. The company offers an easy application process, fast approval, and other perks for people with all levels of credit.
As long as you have a verifiable source of income, an open checking account, and are a US citizen at least 18 years old, you should be able to get a loan through Leap Credit. The company will deposit money into your account within as little as two business days.
How We Ranked
All credit repair companies claim to improve your credit score using proven, reputable methods. However, not all companies live up to that reputation. To separate the best and worst credit repair services, we used the following metrics:
Credit Score Improvement: You’re using a credit repair service to improve your credit score. When analyzing credit score companies, the most important thing we considered was the number of points by which they improved credit scores, on average. Good credit repair companies can improve your credit score by hundreds of points.
Price & Value: Some people can afford to spend thousands of dollars improving their credit score. Most people, however, want to pay less than that. We considered the price and value of each service in our rankings.
Transparency & Honesty: Some credit repair companies make bold claims they cannot live up to. They claim to improve your credit score by hundreds of points in weeks, for example – something that few companies can live up to. We preferred credit repair companies that were transparent and honest with their benefits.
Accurate Estimated Credit Score Increases: The best credit repair companies track the average number of points by which they improved customers’ credit scores. TheCreditPeople.com, for example, provides an estimated credit score increase of 53 to 187 points, based on the average increase from previous customers.
Repairs Versus Monitoring: Some credit companies emphasize monitoring. Others take specific actions to repair your credit score. For consumers with no knowledge of credit repair services, it’s hard to know how each company works. We preferred credit companies with concrete credit repair services – not basic credit monitoring.
Credit Repair Methods: Most credit repair companies work by challenging inaccurate data on your credit report. This is an easy thing to do – and it’s something anyone can do simply by contacting the three major credit bureaus. The best credit repair companies, however, go beyond simply removing erroneous data from your credit report. They challenge credit bureaus to prove each item on your credit report.
Satisfaction Guarantee & Refund Policy: Credit repair companies rarely guarantee improvements in credit score. However, reputable credit repair companies backup their claims with moneyback guarantees and other satisfaction promises. Credit Saint, for example, offers a 90-day moneyback guarantee to customers who are unsatisfied with their results.
User Dashboard, Interface, and Overall Convenience: Some credit repair companies have a user dashboard that makes it easy to manage and monitor your credit score. We considered overall customer experience in our rankings, with a preference towards companies who invested in offering a better customer experience for those seeking to improve their credit score.
Company Experience & Reputation: Credit repair services like Lexington Law have nearly 20+ years of experience repairing credit scores online. Other companies have launched in the last few years and have limited experience. We considered the company’s experience and overall reputation in our rankings.
Top 10 Surprising Benefits of Repairing your Credit Score
Repairing your credit score can change your life – literally.
A good credit score makes it easier to rent a home and get a mortgage. It can increase your chances of getting a job. It can save you thousands of dollars on auto and home insurance. It could even make it easier to find a partner!
Here are the top 10 most important benefits of repairing your credit score, including the perks of having a good credit score.
Marry the Person of your Dreams: As reported by Market Watch, 58% of Americans said they would not marry someone with significant debt. Some people even go as far as to run a credit report on someone before a relationship gets serious! A bad credit score can be a red flag. It could prevent you from marrying the person of your dreams – even if everything else feels right. Don’t let bad credit get in between you and the love of your life.
Get Cheaper Auto Insurance: The average American pays $1,450 per year for full coverage car insurance. The average American with bad credit, meanwhile, pays over $2,100 per year. If you have a bad credit score, you could pay $1,000 more per year than the average American. By law, insurance companies in almost every state (except for California, Massachusetts, and Hawaii) can use your credit score to calculate premiums. Statistically, drivers with low credit scores are riskier to insure, so insurers charge much higher rates. Lowering your credit score could save you thousands of dollars in insurance premiums over the next few years.
Receive Better Credit Cards and Higher Limits: Improving your credit score unlocks new credit cards with higher limits. When you have a good credit score, it means you’re good at repaying your loans. That means companies want to lend you money. Instead of having a credit card with a $2,500 limit, you could have a credit card with a $25,000 limit, annual perks, and other rewards. Repairing your credit score unlocks new credit cards and better opportunities. Some of the best credit cards, for example, provide 4% cash back on gas and groceries to people with a good credit score.
Get Cheaper Mortgage Rates and Easier Approval: Getting a mortgage can be difficult, but it’s particularly challenging for people with a bad credit score. If you have a bad credit score, then it could be difficult to obtain a mortgage. Even if you get a mortgage, you could pay significantly higher rates than the average American, adding tens of thousands of dollars to the total cost of your mortgage. Improving your credit score even by 20 to 50 points can reduce your mortgage cost by thousands.
Obtain Easier Approval When Renting a Home: If you rent, then you’re used to having your credit score checked. Many landlords and property management companies require a credit report. If you have a bad credit score, then you could struggle to rent a safe and affordable price. With all other factors being equal, landlords and property management companies will always choose the applicant with the better credit score.
Have Superior Negotiating Power: When you have a bad credit score, you have no negotiating power. You must take the rates that lenders give you. You can’t bargain with lenders. They know you have few other options. This lower negotiating power can affect every financial decision you make. By improving your credit score, you grow your negotiating power.
Get Better Cell Phone Rates: Cell phone companies provide better rates to well-qualified lenders. If you have a good credit score, then you can get a cell phone on contract without a security deposit, giving you a better phone at a cheaper price than you would normally get. Meanwhile, people with bad credit are forced to buy prepaid phones or pay-as-you-go plans with less-than-optimal rates.
Pay No Security Deposit on Utilities: People with a bad credit score must pay a security deposit on utilities. Utility companies know you may struggle to make payments, so they charge a security deposit to cover any late payments. Utility security deposits can be anywhere from $100 to $300. By improving your credit score, you can avoid the need for security deposits, giving you more cash and less to worry about.
Pay Cheaper Homeowners Insurance Premiums: Homeowners insurance costs thousands per year. As a homeowner with bad credit, you could pay nearly twice as much for homeowners insurance. Homeowners with a bad credit score are riskier to insure. Insurers believe you have a higher risk of committing insurance fraud or missing payments, so they charge higher rates.
Walk With Better Confidence: Overall, having a better credit score proves you’re a responsible adult. It shows you and the people around you that you’re in charge of your financial future. A good credit score can give you bragging rights. Even if you don’t tell anyone about your credit score, a good credit score can give you more confidence.
FAQs About Credit Repair Companies
Credit repair services can be confusing. Most people aren’t credit repair experts. Here are some of the questions people frequently ask about credit scores, credit reports, and credit repair services.
Q: What is credit?
A: Credit refers to receiving money, a good, or a service today in exchange for an agreement to pay for it in the future – typically with added interest.
Q: What is a credit score?
A: A credit score is a three-digit number between 300 and 850. The number is a rating of how trustworthy you are as a lender. Your credit score is based on debts you have previously paid, the amount of credit you have used, the number of inquiries you make, and many other factors.
Q: How do lenders use my credit score?
A: Lenders check your credit score to calculate your risk. If you have a higher risk of missing payments or defaulting on your loan, then the lender will charge higher rates. The higher your credit score is, the better your lending rates will be.
Q: What is a good credit score?
A: Generally, experts consider anything above 670 to be a good credit score.
Q: What is a bad credit score?
A: Experts consider anything below 670 to be a poor or fair credit score.
Q: What lowers my credit score?
A: Several things can lower your credit score quickly, including late payments on bills, bankruptcies, and foreclosures, applying for too many credit accounts, carrying high balances on your credit cards, and ignoring negative items on your report.
Q: How long do things remain on my credit report?
A: Items remain on your credit report for seven to 10 years, depending on the item and the bureau. Things like bankruptcies and missed payments could lower your credit score for seven to 10 years.
Q: Why do I have multiple credit scores?
A: You have three credit scores, one from each of the three major bureaus. Credit bureaus track your credit score in slightly different ways, and credit bureaus may have different records for each consumer. Generally, however, your three credit scores will be close in number.
Q: What’s the lowest possible credit score?
A: The lowest possible credit score is 300, which is the worst rating available.
Q: What’s the best possible credit score?
A: The best possible credit score is 850, which is the highest a credit score can go.
Q: Who tracks my credit score?
A: The three main credit bureaus track your credit score, including Equifax, Experian, and TransUnion.
Q: How do people check my credit score?
A: When someone (like a lender, a property management firm, or an insurer) checks your credit score, they contact one of the three main credit bureaus and pull your report.
Q: What is a credit bureau?
A: A credit bureau is a private company that tracks each person’s worthiness as a borrower. Credit bureaus track missed payments, total credit usage, and other factors to determine your worthiness as a lender.
Q: What’s the difference between a credit score and a credit report?
A: A credit score is a three-digit number showing your worthiness as a borrower. A credit report is a list of the items affecting your credit score, including records of any missed bills, bankruptcies, and similar issues.
Q: What is a FICO score?
A: Your FICO score is a three-digit number created by a private company called FICO. FICO doesn’t track your credit information themselves; instead, they aggregate your credit score across all three bureaus. 90% of top lenders use FICO to assess your risk.
Q: How is a FICO score calculated?
A: Your FICO score consists of your payment history (35%), amounts owed (30%), length of credit history (15%), credit mix (10%), and new credit (10%).
Q: How do I get a good credit score?
A: The best way to get a good credit score is to pay your accounts on time, keep your credit card balances low, use multiple types of credit, and avoid carrying too much debt.
Q: How do I repair my credit?
A: The best way to repair your credit is to remove erroneous entries. Almost all credit reports contain at least one error. By removing these errors, you could significantly improve your credit score.
Q: How do credit repair companies work?
A: Credit repair companies check your credit report for erroneous entries, then remove those entries. Many credit repair companies also challenge entries on your credit report, forcing lenders and bureaus to prove each entry. By law, lenders and bureaus must prove each entry on your credit report – or remove that entry.
Q: What’s on my credit report?
A: Your credit report includes things like credit limits, account names, tradelines, identifying information, credit history, credit inquiries, public records, collections, late payment records, and your credit score.
Q: Can a credit score affect employment?
A: Yes, credit scores can impact employment. According to federal law, employers are allowed to use a version of your credit report for hiring and promotion purposes. If you have a bad credit score, it could reduce your chances of getting a job or being promoted.
Q: How high should my credit score be to buy a home?
A: To become a homeowner, most experts recommend having a credit score of at least 620, which is the minimum approval score for a home loan from most lenders.
Q: How high should my credit score be to buy a car?
A: To obtain a car loan, your credit score should be at least 550 or above, although some lenders will approve car loans for scores as low as 500, although you may pay significantly higher interest rates.
Q: How do I get a free credit report?
A: By law, each of the three major credit bureaus must provide you with a free credit report once every 12 months. You can obtain a free credit report from these providers through www.annualcreditreport.com or by calling 1-877-322-8228.
Q: What is credit repair?
A: Credit repair is the process of removing or addressing negative items on your credit report, thereby improving your credit score.
Q: Are credit repair services legit?
A: Yes, there are plenty of legitimate, well-established providers in the credit repair space, including companies with a proven reputation for repairing credit scores and removing erroneous entries for clients.
Q: How long does it take to repair my credit?
A: It can take anywhere from a few weeks to a year to repair your credit. Everybody’s credit situation is different. According to CreditRepair.com, members see an average increase of 40 points in four months.
Q: How much does credit repair cost?
A: Credit repair costs anywhere from $0 to thousands of dollars, depending on your credit repair company. A law firm could charge $1,000 or more to repair your credit, for example, while other providers charge nothing, making money from advertisements and promotional offers instead.
Q: Can I repair my own credit?
A: Yes, you can repair your own credit by contacting the credit bureaus and lenders to address any inconsistencies. Start by requesting a copy of your credit report. Then, contact lenders or credit bureaus to remove any erroneous entries.
Q: Do student loans hurt my credit score?
A: Yes, student loans (and any type of loan) hurt your credit score. However, paying back your student loan on time can benefit your credit score.
Tens of millions of Americans have errors on their credit report. A bad credit score impacts some of the most important parts of your life. It makes it harder to rent a place, get a job, apply for a mortgage, obtain a car loan, and buy insurance.
By repairing your credit score, you can put your past behind you and start improving your financial future. A good credit repair company uses proven strategies to target and repair your credit score in various ways.
The best credit repair companies provide the top credit score restoration services that should be strongly considered in 2021 and beyond:
This review of the best credit score repair companies will be continually updated as new research is found and user feedback has been accumulated about how to boost your credit score quickly. Be sure to apply proper due diligence outside of this post but be willing to give one or two of these top credit repair programs a solid attempt at helping filter out the old and usher in the new when it comes to removing marks and dings in a professional manner. Collectively there were dozens of hours accumulated in compiling this list. Between researching each individual credit repair service for hours and doing a deep dive per company, to filtering out who are actually the best credit score boosting services based on a number of criteria mentioned above, this list is one of the most up to speed credit repair company guides in 2021.
Nearly anyone can work at upping and repairing your credit no matter how high or low it might be today. By learning how to raise credit scores through the use of these highly reputable credit repair services that can enable more financial access and bandwidth as life continues forward, there is no better time than to go ahead and review the best credit repair companies list once more to ensure you are doing everything in your power that the experts and professionals would do to raise your credit score in 2021.
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Please understand that any advice or guidelines revealed here are not even remotely a substitute for sound medical advice from a licensed healthcare provider. Make sure to consult with a professional physician before making any purchasing decision if you use medications or have concerns following the review details shared above. Individual results may vary as the statements made regarding these products have not been evaluated by the Food and Drug Administration. The efficacy of these products has not been confirmed by FDA-approved research. These products are not intended to diagnose, treat, cure or prevent any disease.