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If your credit is badly damaged and your low score is limiting your financial options, you may have considered credit repair.
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!
👉 Do you need a credit repair company? In most cases, it only makes sense to retain a credit repair company if you have a significant number of negative entries on your credit report. If the damage is being done by a few accounts a DIY approach might serve you better.
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.
⭐️ 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.
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.
Features & Benefits
Why buy credit repair services from Credit Saint? Here are just a few reasons they’re our favorite:
Low Monthly Price
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.
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.
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
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.
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.
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.
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 content on finmasters.com is for educational and informational purposes only and should not be construed as professional financial advice. Finmasters is not a financial institution and does not provide any financial products or services. We strive to provide up-to-date information but make no warranties regarding the accuracy of our information.