Best Credit Repair Services of 2018

Eli McCormick ·
Finance Senior Writer
Updated
We maintain strict editorial integrity when we evaluate products and services; however, Top Ten Reviews may earn money when you click on links.

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.
Editor's Note: Sky Blue has informed us that they've updated their pricing. Setup and monthly fee are now $69.00 while couples pricing remain the same at $99.00.   

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.
View on Lexington Law
@Lexington Law
Best Overall
Lexington Law
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.
View on Sky Blue Credit Repair
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.
View on CreditRepair.com
Product
Price
Overall Rating
Support & Services
Cost & Fees
Program Details
Education
Team or Individual Agent
Online Customer Portal
Monthly Cost
Cost Over 6 Months
Sign Up Fee / First Work Fee
Couples Discount (per Person)
Fee to Pull Credit Report
Works With Credit Agencies & Creditors
Monthly Credit Monitoring
Identity Theft Protection
Check Price
8.9 10 7 10
A+
Both
$89.95
$539.70
$89.95
8%
$14.99
Check Price
7.4 7.5 5.5 10
B-
Both
$99.95
$614.69
$99.95
8%
$14.99
Check Price
7.3 6.5 9.3 6
B-
Both
$59
$368.95
$59
16%
$14.95
3rd party
3rd party
Check Price
7.3 5.8 8.5 8
C-
Team
$79
$474
$19
2%
$19
-
Check Price
7.1 5 9 8
D+
Both
$69
$414
$114
16%
$14.95
-
Check Price
7 4.3 8 10
D-
Individual
$79
$474
$79
31%
$0
Check Price
6.7 6.8 10 2
C+
Individual
$49
$315
$69
5%
$1
-
-
Check Price
6.1 5.8 6.5 6
C-
Both
$98
$549.95
$30
27%
$29.95
3rd party
3rd party
Check Price
6 6.8 5.3 6
C+
Team
$99
$674
$179
20%
$0
-
-
$0.00 ShareASale
4.5 3.5 9
F
Team
$59.99
$398.95
$99
22%
$0
-
-
-
Best Overall
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
Lexington Law
Read the full review
Best Value
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
Sky Blue Credit Repair
Read the full review
Best for Tracking Progress
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
CreditRepair.com
Read the full review
Best Customer Service
Good customer service is vital for a credit repair company, and The Credit People has some of the best we saw.
When you sign up with The Credit People, you get access to toll-free customer service, and a team of three people is assigned to your account. However, you can also choose one-on-one service if you prefer. You track your progress through a customer dashboard that shows the results of the ongoing credit repair process. The Credit People also has the second-lowest price we saw – a $79 monthly fee, which is $474 over a six-month period.
Pros
  • You can choose between a single point of contact or a customer service team.
Cons
  • Couples get only a 2-percent discount.
$69.00The Credit People
Read the full review
Best for Couples
Most credit repair companies offer discounts for couples who enroll together.
MyCreditGroup has the best discount, offering 30 percent off the cost of six months of credit repair, which saves about $300. Other companies offer an eight percent discount, but it only saves you about $75. There’s also no cost to pull the initial credit reports. MyCreditGroup offers to negotiate for paid deletions and has debt settlement programs, giving you more options than other programs. It doesn’t have as many educational tools as other services though.
Pros
  • Has the largest discount for couples
Cons
  • Doesn’t have educational resources
$0.00MyCreditGroup
Read the full review

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 Much Do Credit Repair Services Cost?

If you choose a credit repair service over trying DIY options you’ll pay a set-up fee and an ongoing monthly fee, the services we reviewed charge $50 to $100 a month with set-up fees between $20 to $179. These are the costs for the most basic tier of service, most repair services also offer advanced service levels that cost between $20 to $40 more than the basic levels and contest additional items or have other credit monitoring features. Be wary of any company that guarantees results, though many will offer partial refunds if they prove unsuccessful in removing errors from your report. Credit Saint is a well known company that gets a lot of attention online. Though it offers competitive pricing, it doesn't offer as much is the way of educational resources or any ongoing credit monitoring. You can read our review here.

Are Credit Repair Companies Worth It?

Credit repair companies are worth it if you’re a victim of identity theft or some of your debt was purchased by debt collectors, a credit repair company is a good idea. Issues like ID theft and collection can result in double entries and other errors, the scope of which can necessitate using a credit repair company. However, if you have a few issues on your credit report to contest, you can handle it yourself. Time is also a factor, if you can afford to pay but don’t have the time to spare to send dispute letters yourself, a credit repair company is a good option for you.

How Long Does It Take to Repair Credit?

It usually takes three to six months for a credit repair company to resolve your disputes. This varies depending on the complexity of your case. The credit bureaus have 30 days from the receipt of a dispute letter to respond, and in some cases, they may request further information from you. It’s a good idea to send a few disputes in each letter, especially if you have a large number. While your disputes are in progress, work on rebuilding your credit by making on-time payments and reducing your credit card balances. It can take some patience, but results in a higher credit score than your started with.

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. Other services offer Section 609 letters, which claims to delete items from your credit report. You can submit these letters yourself, and templates are available online though there are many questions about the efficacy of this technique.

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.