A credit repair can remove negative marks from your credit report, so you can buy a house or a car you’ve set your heart on.
With so many credit repair companies out there, how to choose the best one for you?
Because I recently needed help from a credit repair company, I talked with my friends and did countless hours of research. I’ve narrowed it down to the top five best credit repair companies, and here’s what you should know about each one.
Top 5 Best Credit Repair Companies
Credit Saint – a highly reputable company offering an initial free consultation
Credit Repair – a variety of packages to help you clean up any negative score
Credit Firm – offering a legal audit of your credit reports
Our Top Picks
1. Credit Saint
Credit Saint has an A+ rating from the Better Business Bureau. This credit repair company was founded in 2007, and since then, it has helped thousands of customers improve their credit scores.
What makes them stand out is that they offer a free consultation to talk about your credit score and identify any negative points. You’re under no obligation to pay for this service.
If you choose to continue working with Credit Saint after the consultation, they will contact the major credit bureaus on your behalf – just to remove any inaccurate information from your credit report.
Credit Saint is an aggressive credit repair service, but they’re aware that different people have different needs. That’s why they offer three service packages:
Credit Polish is their basic package and includes five challenges of negative items per cycle, free score analysis, challenge identity theft, charge-offs, challenges to 3 credit bureaus, and a credit score tracker.
Credit Remodel includes everything as the Credit Polish package, and some additional services, such as ten challenges of negative items per cycle, credit Experian monitoring, escalated information requests
and the challenges, such as bankruptcies, late payments, repossessions, and charge-offs.
The most aggressive package available: It includes everything as the previous two, plus an unlimited number of challenges of inaccurate items, cease and desist letters on your behalf, and judgment disputes.
Credit Saint bought me with their free credit consultation, hundreds of positive user reviews, and because they charge less than other companies, but offer more services.
If you need legal help, Lexington Law might be the one for you, as this is a real law firm.
It was founded in 1991, so it’s the credit repair company with the most experience in the US. Lexington Law has had 10,000,000 negative items removed from their client’s credit reports in 2017 only.
This credit repair service employs lawyers and paralegals that use specific laws to protect your credit score. They do this by obtaining a copy of your credit reports and finding what’s bringing your score down.
Then, they send disputes to challenge the inaccurate items. What I liked is that they’ll give you an online dashboard, so you can track what’s happening with your credit score every step of the way.
Lexington Law will assign you your own rep, usually a paralegal. You can schedule an appointment with your rep even beyond business hours, which comes in handy if you’re very busy.
Same as other credit repair services, Lexington Law offers three credit repair packages you can choose from.
This is their most affordable package, and it includes challenging negative items from three major credit bureaus and creditors.
Concord Premier package includes everything as the standard package, as well as the removal of hard inquiries, TransUnion alerts, and score analysis.
The most expensive package Lexington Law offers includes services such as identity theft protection, personal finance tools, cease and desist letters, and FICO score tracker.
If you’re looking to try out a service without making a commitment, then you should consider The Credit People.
You can pay $19 to try out this credit repair agency for one week. If you like it and want to continue with them for longer than a week, you can choose between two membership credit repair services:
a monthly fee or a flat-rate membership for six months.
Both credit repair services include:
$19 fee for the first week
Debt inquiry and validation
Communication with creditors
Unlimited number of credit disputes
6-month satisfaction guarantee
The Credit People claim to have removed about 1.5 million negative items from their customers’ credit reports. While no credit repair service can guarantee that you’ll improve your credit reports, The Credit People’s website claims that they have helped their customers’ credit reports increase between 55 and 187 points.
The reviews we checked especially praised their customer service and the fact that once you sign-up, you get a personal online account, which is accessible from any mobile device or a computer.
You’ll also receive notifications, so you’ll know right away if something changes in your credit repair account.
Like most credit repair companies, Credit Firm also offers a free consultation, including a review of your credit history and a step-by-step action plan that’ll help you improve your credit score.
Credit Firm is a highly reputable company that has been around since 1997, founded by a group of attorneys.
What you may like best about them is that they offer something no other services in the credit repair industry do — a legal audit of your credit reports by a licensed attorney.
Not only will an attorney review your credit report, but also all documents the company sends to creditors for you.
While other credit repair services offer two to three credit repair packages, Credit Firm offers only one credit remodel package.
In this package, you get an unlimited number of disputes a month, which is a fantastic deal seeing how other credit repair companies often limit or raise their price as the number of disputes increases.
There are several factors you should consider when choosing credit repair companies.
1. Reviews and Complaints
Always check the reviews and complaints from sources such as:
Better Business Bureau
Consumer Financial Protection Bureau
Pro tip: Don’t check the reviews on the direct website only, but go on third-party websites as well to make sure the reviews you’re reading are authentic.
2. Services Credit Repair Companies Offer
The majority of credit repair companies have tiered packages, which offer different services.
The most important things you should take into consideration are:
The packages offered
The number of disputes per month
If there’s credit monitoring
Identity theft insurance
Credit repair software
Goodwill letters asking creditors to remove negatives items sent to credit reporting agencies
3. X Day Money-Back Guarantee
The Credit Repair Organizations Act doesn’t allow credit repair companies to guarantee results.
But, the Credit Repair Organization Act doesn’t prohibit companies from usually offering a 90-day money-back guarantee if there aren’t results after a certain time period.
My two cents: legitimate companies should offer a money-back guarantee, which is why I gave these companies an advantage when choosing the one for me.
4. Cancellation Policy
Choose a company whose cancellation policy is free and available at any time.
Did you know? All credit repairing agencies are under obligation to tell the truth about their services.
You, as a customer, are entitled to a mandatory cancellation period, which is the first three days.
If you believe there’s a scam, you can contact the Consumer Financial Protection Bureau, and they can help you.
What Is the Best Credit Repair Company for You?
A credit repair company will help you recover your credit score so you can finally get that purchase you’ve been thinking about. Moreover, you can get financial guidance so that you never end up in the red.
All of these companies are legitimate, successful, and can help you get a better credit report, but my recommendation is Credit Saint. It’s trustworthy, it has great customer reviews, and most importantly, it has three packages suited to everyone’s needs.
Plan for a better future, and contact a credit repair company that best fits your needs today. And don’t forget to share your experience in the comments below.