Credit Repair companies work on your behalf to remove negative items from your credit score.
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#1 Credit Saint credit repair
  • 90-day money-back guarantee
  • High success rate (over 95 percent of clients see changes first cycle)
  • A+ BBB Accredited (Difficult to do in this industry)
  • Unlimited challenges
Credit Saint
#2 (credit repair)
  • On average, past members added 40 points to their score in four months
  • High success rate removing items in collections, late payments, and charge-offs
  • Over 1.5 million negative items removed from credit reports in 2016
  • Online account and mobile app to track progress 24/7
#3 Lexington Law (credit repair)
  • One of the oldest and most experienced credit repair services out there
  • High credit repair success rate, with removals in collections, late payments, and charge-offs
  • Over 9 million negative items removed from credit reports in 2016
  • More than 500,000 clients served
Lexington Law
#4 Credit Pros
  • Money-back guarantee
  • Pay-per-deletion
  • ID theft restoration and insurance
  • One-on-one consultation with a FICO certified professional
  • A+ Rating with the Better Business Bureau
Credit Pros
#5 Sky Blue (credit repair)
  • Best value – responsive, professional, and confidential customer service
  • Challenge up to 15 disputes in 35 days
  • Get started in only two minutes with an easy online process
  • Risk-free, 90-day money-back guarantee
Sky Blue

A good credit score is as important as a healthy heart. Without it, you’re restricted in what financial goals you can reach. Taking a car loan, a mortgage, or even a business loan becomes tough – and expensive – if you have a poor credit score. Whether your low credit is a result of your own financial mistakes or identity theft, lenders see a poor credit score and consider you to be a risky borrower. They will either decline your loan or charge you a higher interest rate.


That said, don’t lose heart. Many lenders also look at your recent credit history for signs of improvement. If they see that you’re getting better, they may be willing to ignore your past. Still, you’ll need to repair your credit history. This is where credit repair companies come in. These kinds of companies will examine your credit report; dispute any incorrect items; negotiate with your creditors to ensure that records are accurate; and even work with debt collectors to stop harassing you.



Make sure you have the right credit repair company working with you in the right way. Beware of scams! If a company promises you a clean slate within a finite period of time and is asking for money up-front, slam down the phone!


The most common practice is for credit repair companies to charge a subscription fee. It could range up to $100 per month, for up to 18 months. Some credit repair companies will charge you a flat fee or even a fixed amount per deletion. Whatever you choose, don’t forget to spend a few hours researching a handful of companies and customer reviews before you call your short list of credit repair companies.