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The credit repair industry has a bad reputation, and some of it is deserved. Some companies are very sketchy and some are outright scams. Still, there are companies out there that provide legitimate services, and they have been able to help many clients.

We analyzed 21 credit repair companies based on price, service, and results, and we’ll reveal our top three choices below.

Bad credit closes doors.  These credit repair companies can help!

How to Choose a Credit Repair Company

There are hundreds of credit repair companies out there. Many of them advertise heavily. You may have seen companies promising to remove legitimate entries from your credit report, or even offering a “new credit identity”. How do you know what to believe?

Here’s where to start.

Understand Credit Repair

Before you start shopping for a credit repair service, you need to fully understand what credit repair is and what credit repair companies do. Our article introducing credit repair is a good place to start.

Know Your Rights

The credit repair industry is regulated by the Credit Repair Organizations Act. This law prohibits false or distorted claims and requires companies to provide you with information on their services. Companies cannot demand upfront payment. They must offer written agreements and you have the right to cancel an agreement under some circumstances.

You should know your rights before you contact any credit repair company.

Check the Price

Most credit repair companies charge a start-up fee that covers the time they spend analyzing your reports to see if they can help you. 

If they determine you’re a good candidate for credit repair, you pay on a monthly basis while they work to clean up your report. 

Obviously, you want to choose a company that prices its services fairly.

Check the Customer Service

You also want to choose a company you’re comfortable working with. Ask these questions:

  • What’s their customer service like? 
  • How responsive are they?
  • How many items will they dispute per month?

Ask questions before you sign up and make sure you understand the scope of the service.

Check Reviews

It can be hard to determine whether a credit repair company is legit. That’s why it’s important to check out their reviews. I’m not just talking about the testimonials on their website: of course, they only post the glowing ones.

The Better Business Bureau (BBB) is a good source of external reviews, as are friends and family who have experience with credit repair.

It’s also worth doing online searches to see if the company has active complaints or is involved in regulatory action. Even a good company can have a few dissatisfied customers: some people have unrealistic expectations. A pattern of complaints or negative reviews is a red flag.

Our Top Rated Credit Repair Companies

Rated by price, service, and results, plus more detail on each company, how credit repair works, how long it takes, and the estimated cost.

#1

Credit Saint logo

⭐️ 4.9 (277 Reviews)

Credit Saint is our #1 recommendation. Competitive pricing, multiple plan options, and the most transparent billing process give them the best spot.

Visit Site

#2

Sky Blue Credit Repair logo

⭐️ 4.6 (163 Reviews)

Sky Blue is our #2 recommendation. Tons of satisfied customers, Competitive pricing, and an amazing customer service record gives them the 2nd best spot.

Visit Site

#3

The Credit Pros logo

⭐️ 4.6 (155 Reviews)

The Credit Pros is our #3 recommendation. Some of the lowest starting rates and an instant approval process earned them the 3rd spot.

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Do your homework.  Talk to several companies and see who is the best fit for you.  Then choose one and stick to the plan!

1. Credit Saint

Credit Saint logo

⭐️ 4.9 (277 Reviews*)

Known for: Simple, Transparent Billing with Solid Results

Credit Saint is our #1 recommended credit repair company.

Credit Saint offers transparent billing and a 90-Day Money-Back Guarantee. They also offer unlimited disputes in a 45-day cycle vs the industry standard of 2-6 per month. 

They have been helping customers deal with late payments, charge-offs, collections, inquiries, bankruptcies, repossessions, and judgments for over 15 years.

Credit Saint home page

Features & Benefits

Why buy credit repair services from Credit Saint? Here are just a few reasons they’re our favorite:

  • Low Monthly Price
  • Unlimited Disputes
  • A+ Rating With The BBB
  • 90 – Day, No Hassle Guarantee
  • Most Transparent When It Comes To Billing

Credit Saint has you covered with 3 different plan options, which go by the names “Credit Polish, Credit Remodel, and Clean Slate.” Each of their products gives you a different level of service and speed.

Credit Saint Reviews (4.8/5)

Credit Saint has some amazing customer testimonials and has a great customer service team. They have an A+ Rating with BBB.

Credit Saint BBB ratings

Want to learn more? Read our full Credit Saint review here.

Cost Of Credit Saint

Credit Saint offers 3 different plans and has 3 different price points when it comes to repairing your credit.

Plan NameInitial FeeMonthly Fee

Credit Polish

$99.00

$79.99 Per Month

Credit Remodel

$99.00

$99.99 Per Month

Clean Slate

$195.00

$119.99 Per Month

The initial fee is referred to as their First Work fee. It functions as a startup fee. After your First Work fee, you will start paying your monthly fee. 

Each product is different so be sure to review how they each work.

As you can see, with Credit Saint you get some great prices and multiple options to match your budget and your needs.

Get Your FREE Credit Evaluation Today!

(Free Consultation, A+ BBB Rating)

Want to learn more?
Read our full Credit Saint review

2. Sky Blue Credit Repair

Sky Blue Credit Repair logo

⭐️ 4.6 (106 Reviews)

Known for: The Best Reviews & Money Back Guarantee in the Industry!

Sky Blue is our #2 recommended credit repair company due to their best-in-industry reviews.  The bottom line is in a somewhat “shady” industry, Sky Blue actually delivers results!

They believe in their work so much that they offer a “no-questions-asked” money back guarantee.  It’s the best no-haggle guarantee in the industry. They have been helping customers for over 30 years.

There is absolutely no better option for repairing your credit in 2020.

Sky Blue Credit Repair home page

Features & Benefits

Why buy credit repair services from Sky Blue? Here are just a few reasons they’re one of our favorites:

  • Lowest Monthly Price In The Industry
  • 90-Day, No-Hassle Guarantee
  • Top Customer Service
  • No Commissioned Sales Agents On Staff
  • Option To Skip A Month Of Service If You Need To
  • No Additional Fees Attached To Final Bill

It might not seem like a huge deal, but on average, you can see a change in your credit profile within 30, 60, and 90 days.

So the fact that Sky Blue offers a 90-day unconditional guarantee is amazing, topping that off with their great customer service and they easily become the best company to deal with.

And unlike other companies, they actually only have one product and one price, this means you get access to all of the services they offer when you sign up.

Sky Blue Reviews (5/5)

Sky Blue Credit has some great customer testimonials and has a great customer service team. In fact, they have a 5-Star rating and 37 customer reviews on BBB.

In fact, Google their reviews at BestCompany.com, Google Reviews, and Consumer Affairs as well.  In every case, their reviews shine above the rest.

Want to learn more? Read our full Sky Blue review here.

Cost of Sky Blue (5/5)

The best thing about Sky Blue is that they have one plan and one price so you will always get the best service when you sign up.

Plan NameInitial FeeMonthly Fee

Sky Blue Difference

$79 One Time

$79 Per Month

The initial fee is referred to as their Review fee and it isn’t charged unless they determine that they can indeed help you with your credit after they review it and have a phone call with you.

There is also a spouse discount of 50% off the second account as long as you both live together and pay together. You don’t have to be married.

Sky Blue (sometimes called Blue Sky Credit Repair) is a great option if you want results at a great price and with good customer service.

Contact Sky Blue Now!

(Free Consultation, 90-Day Money-Back Guarantee)

Want to learn more?
Read our full Skye Blue review

3. The Credit Pros

The Credit Pros logo

⭐️ 4.6 (155 Reviews)

Known for: Unlimited disputes and a solid money-back guarantee

The Credit Pros is our #3 recommended credit repair company.

If you don’t have a strong understanding of credit or you are attempting to re-establish your credit, The Credit Pros is going to be a solid option. Once you start the process you won’t have to do much outside of mailing them a copy of your updated credit report on a monthly basis. 

With multiple plan options and a lower cost to entry, The Credit Pros just might be the best option for you.

The Credit Pros home page

Features & Benefits

Why buy credit repair services from The Credit Pros? Here are just a few reasons they’re one of our favorites:

  • Multiple Plan Options
  • Unlimited Disputes
  • A+ Rating With The BBB
  • Credit Education Tools

The Credit Pros has you covered with 4 different options: Credit Sentry Monitoring, Money Management, Prosperity Package and the Success Package. Each of their products gives you a different level of service and speed.

The Credit Pros Reviews (4.5/5)

The Credit Pros has some mixed customer testimonials; however, they do have an A+ Rating with BBB and have been in business for over 10 years. 

The Credit Pros BBB rating

Want to learn more? Read our full The Credit Pros review here.

Cost Of The Credit Pros

The Credit Pros offers 4 different plans and has 4 different price points when it comes to repairing your credit.

Plan NameInitial FeeMonthly Fee

Credit Sentry Monitoring

$19.00

$19.00 Per Month

Money Management

$119.00

$69.99 Per Month

Prosperity Package

$119.00

$119.99 Per Month

Success Package

$149.00

$149.00 Per Month

The initial fee is referred to as their First Work fee. It functions as a startup fee. After your First Work fee, you will start paying your monthly fee. 

Each of these products functions differently, so be sure to review how they each work and choose the product that suits you best.

The Credit Pros provides some great prices and multiple options to match your budget as well as how aggressive you want to be with your credit.

Visit The Credit Pros!

(Free Consultation, Includes ID Theft)

Want to learn more?
Read our full The Credit Pros review

Taking Action

There is no reason to have bad credit, all it takes is a bit of time and a bit of work. The fastest solution will be to go with a credit repair company and let them do their magic.

The most affordable solution is to repair your own credit by using our credit tools to repair your credit score.

Whatever you choose, the first and most important step is to start!

*All review numbers are cumulative totals from BBB, Best Company, Google Reviews, and Consumer Affairs.