Best Credit Repair Services of 2018

Eli McCormick ·
Updated
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We spent 80 hours talking to representatives from 12 credit repair services and comparing services, pricing and client support, to narrow our list down to the 10 best. Lexington Law is our top choice for credit repair companies. It has comprehensive tools and resources to help you understand your credit reports, reasonable prices and a client dashboard the lets you monitor the status of each item you’re disputing. 
 

Best Overall

Lexington Law

Lexington Law has some of the best educational offerings, a client dashboard that lets you track your disputes and various plans that let you dispute more items each month.
Best Value

Sky Blue Credit Repair

Sky Blue Credit Repair has the lowest cost of any service we reviewed. It costs $59 a month to retain the service. Couples can get a discount of up to 16 percent.
Best for Tracking Progress

CreditRepair.com

This service provides a lot of resources to track progress through disputes. Its dashboard shows when a dispute is resolved.

Our Test Results

Product
Price
Overall Rating
8.9
7.4
7.3
7.3
Support & Services
10
7.5
6.5
5.8
Cost & Fees
7
5.5
9.3
8.5
Program Details
10
10
6
8
Couples Discount (per Person)
8%
8%
16%
2%
Fee to Pull Credit Report
$14.99
$14.99
$14.95
$19
Cost Over 6 Months
$514.94
$614.69
$368.95
$452
Sign Up Fee / First Work Fee
$100
$99.95
$59
$19
Monthly Cost
$80
$99.95
$59
$69
Team or Individual Agent
Both
Both
Both
Team
Education
A+
B-
B-
C-
Online Customer Portal
Works With Credit Agencies & Creditors
Identity Theft Protection
3rd party
N/A
Monthly Credit Monitoring
3rd party
Best Overall

Lexington Law

Lexington Law is our choice for best credit repair service. In reviewing these services, we paid close attention to the educational resources each service provides.
These resources are important because they can help you understand what makes up your credit score, how your actions affect it and what you can do in the event there are discrepancies. Lexington Law offers articles, educational courses, e-books, an email newsletter and videos to its clients. These help you learn about your credit and offer advice on how to manage and improve your score. Lexington Law also connects you with a dedicated paralegal who will send you updates every two weeks. You have access to an online portal to check on the progress of your disputes. This portal stands out by giving you a real-time look at how your credit score is affected when items are removed. Lexington Law is one of the few credit repair services with a smartphone app that lets you check your progress. For six months of its service (the average length for credit repair service), expect to pay around $600. This is on par with the industry average. Lexington Law does offer a Premier Plus plan that costs more, but it allows you to dispute eight items a month.
Pros
  • Has a mobile app
  • Has paralegals to assist you
  • Biweekly updates on progress
Cons
  • $100 sign-up fee
  • Only an 8-percent couples discount
  • $80 monthly cost
Best Value

Sky Blue Credit Repair

Sky Blue Credit Repair is relatively bare-bones in terms of the services it offers, but it has some of the lowest prices we saw in our research. The monthly cost is $59, the second lowest in our lineup. Sky Blue Credit Repair combines a lower cost and excellent service.
On average, you can expect to spend six months with a credit repair service. With Sky Blue Credit Repair, expect to pay close to $370, which is $100 less than the average of the services we reviewed. Unlike other services, you don’t pay an additional sign-up fee; you just pay the first month’s fee. Sky Blue has a solid slate of tools and resources to help you learn what goes into your credit score and how to better manage your credit. This includes articles, courses and a regularly updated blog. You’ll also get a personalized analysis of the items on your credit report and regular updates about the service’s progress on any disputed items.
Pros
  • No additional sign-up fee
  • 16-percent couples discount
  • Regular email updates
Cons
  • No dedicated customer agent
  • Will have to sign up for third-party credit monitoring
  • No educational videos
Best for Tracking Progress

CreditRepair.com

We found that the best credit repair services keep in touch, giving you constant updates on each dispute on your credit report. CreditRepair.com has one of the best platforms for keeping track of its progress. You can get text and email alerts about any disputes.
CreditRepair.com is one of the few services with a mobile app that allows you to check on the progress of your disputes. The app will show you how many items have been removed, how many challenges are ongoing and any changes to your score. You can also look at each item that’s been removed and the credit agency from which it has been removed. This company offers a wide range of educational resources to help you learn about each item being contested, and to give you a better understanding of factors that contribute to your credit score and what you can do to influence them. These include videos, blogs and tools to help you estimate your credit score. The drawback of this service is that it is the most expensive one we reviewed. It costs $100 a month, so you’ll pay more than $600 over the course of the average six-month program.
Pros
  • Email and text updates
  • Mobile app
  • Credit score in real time
Cons
  • Expensive
  • $100 sign-up fee in addition to monthly costs
  • Couples discount is only 8 percent

Why Trust Us?

We’ve been reviewing credit repair services for seven years, monitoring industry trends and staying abreast of the latest regulations and technological improvements. We took into account the educational resources provided by each company because they offer insights into your credit score and how you can positively influence it. We can point you to useful resources, like CreditRepair.com’s videos on good credit practices as well as investing and money management, and we recommend services based, in part, on how they’re set up to represent and serve you. For example, the most of the best credit repair companies offer individual case advisors in addition to a team of service agents.

How We Tested

For this update, we contacted each of the services by phone, asking questions about their process and whether they offer dedicated paralegals versus a team of customer-service agents. We compared pricing, looking at monthly rates, costs for signing up and any discounts for couples. Since each person’s credit is unique, there’s no way for us to accurately gauge the success of each credit repair service in disputing potentially erroneous items.

We also checked out the educational offerings. Some of them had only FAQs pages, but the best offered detailed explanations on what exactly goes into your credit score, as well as videos and courses on improving your credit score.

How Do Credit Repair Services Work?

Credit repair can take time – up to six months is typical – and many have limits on the number of items that can be disputed. Keep this in mind when looking for services. Shady services will promise quick results and guarantees to raise your credit scores in a certain amount of time. Avoid services that require big up-front deposits.

You also need to know that these services can’t offer guarantees that items will be removed or your credit will be improved. If a disputed item on your credit report is found to be valid, it remains on your credit. Some services do offer reimbursement on setup fees or monthly costs if you don’t see results, but there are caveats and exceptions that make that kind of reimbursement the exception rather than the rule.

What About Data Hacks and Identity Theft?

Data hacks have become commonplace. Equifax in 2017 and Yahoo in 2014 are some of the biggest, most recent examples, but smaller-scale hacks seem to happen every day. What’s worrying about these breaches is they leave your personal information susceptible to theft. Identity thieves can use your personal information to take out credit cards and even loans in your name.

Usually, the hacked company will offer you free credit monitoring. These can be helpful, but they can take up to 60 days to notify you of any activity, and they won’t alert you if a thief uses your information to forge a document like a passport.

If you suspect your information has been compromised, we recommend asking for a credit freeze. This prevents creditors from pulling your credit file without your consent. To put a freeze on your file, you’ll need to contact Equifax, Experian and TransUnion separately and request it. You typically can do this online, but some may require you to call. Depending on the state you live in, you may be charged a fee up to $15.  Once this is done, you’ll get a PIN that can be used to unlock your account so you can apply for new lines of credit.

Another step worth taking is putting a fraud alert on your file. This needs to be reset every 90 days. A fraud alert requires that potential creditors contact you for permission before new lines of credit are opened in your name.

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