Best Credit Repair Services of 2019

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 to Choose a Credit Repair Service

According to a study conducted by the FTC, up to 5 percent of people have an error on at least one of their credit reports. If the errors are more extensive due to identity theft or debt collectors adding multiple entries, a credit repair service can dispute inaccurate information on your behalf. They also work with your creditors and the credit reporting agencies to remove inaccurate, redundant or unfair information from your credit reports. Hiring a credit repair company is an investment, so here are a few guidelines to help you find the best fit for your situation.

Price
Credit repair companies charge both an initial setup fee and an ongoing monthly fee. For the basics, the services we reviewed charge $50 to $100 a month with setup fees between $20 and $179. Most services also offer advanced credit repair plans that contest additional items and have other credit monitoring features, and they cost between $20 and $40 more than the basic services. Many companies offer partial refunds if they prove unsuccessful in removing errors from your report, but you should be wary of any service that guarantees results.

The Credit Repair Organizations Act (CROA), an act that governs what credit repair services can and can’t do, states clearly, “No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed.” This means companies shouldn’t ask for payment before any work is completed. The CROA also requires that credit repair services include “the terms and conditions of payment, including the total amount of all payments to be made by the consumer to the credit repair organization or to any other person” in the initial contract to protect you against surprise fees and expenses.

Customer Service
In our evaluations, we found most credit repair companies either assign a specific individual to work your case or divvy the work up between a team of people. We preferred companies that assign an individual case advisor, as it lets that person become more familiar with your case and establishes a single point of contact if you have questions or want to check on your progress. Companies that route your queries through a team of customer service agents work fine, but aren’t as convenient. A personal case advisor is also generally better for customer comfort, as talking about sensitive personal information is uncomfortable, and trust is important.

Timeline
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 because credit repair services usually have a max number of disputes they handle each month. If you have more disputes, it’s a good idea to send multiple disputes in the same letter and to investigate the number of disputes the credit repair service can file on your behalf each month. Some companies offer higher tiers of service that allow for more disputes per month and cost more money. In these cases, you must weigh the cost of a higher monthly fee against the cost of potentially employing the service for a longer contract. 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. In accordance with the CROA, the credit repair company should give you an estimated timeline or completion date in your service agreement.

Accurate derogatory marks on your credit report can stay there for up to 10 years, depending on the type. Late payments, charge-offs, student loan delinquency or default, repossession and foreclosures can stay on your report for up to seven years. Chapter 7 bankruptcy remains on your report for up to a decade. Still, even with these marks on your report, you can work to raise your credit score by making on-time payments and lowering your utilization rate – two key factors that affect your credit score. Unfortunately, there is no quick and easy way to repair your credit; it takes some patience.

Educational Resources
The best credit repair companies offer a wealth of educational resources to help customers learn about credit, credit scores, credit reporting and credit laws. Though you could learn all of this information by looking up answers to any specific questions, it’s extremely helpful to have all the answers you need compiled in one place, especially if you have little to no knowledge about credit. We preferred services that offer a variety of educational resources, as different people learn differently. For example, Lexington Law offers email subscriptions, eBooks, videos, articles and other educational mediums.

Beyond online resources, your point of contact should also educate you on your rights according to the CROA. Under the law, the credit repair company is required to disclose the Consumer Credit File Rights Under State and Federal Law, which briefly explains your rights, though we recommend looking over the CROA in its entirety before hiring a credit repair company.

Credit Monitoring
In addition to educational resources, we appreciated services that included credit monitoring, which complements credit repair because it acts as a progress report. It’s one thing to dispute items on your credit report or even know that these items have been removed, but seeing how these changes and time affect your overall report and credit score is an important step in your journey toward better credit. Most accurate derogatory marks stay on your credit report for seven to 10 years, but with corrective behaviors, after a year or two the marks have less impact on your report. Most of the credit repair companies we recommend, including Lexington Law and CreditRepair.com, provide credit monitoring with their services. But if you choose a company that doesn’t offer credit monitoring or if you try to fix your credit report DIY-style, check out our list of the best credit monitoring services.

Avoiding Scams
We thoroughly researched and vetted all 10 of our featured credit repair services, but if you’re shopping for a service beyond our recommendations, there are a few things you should keep in mind. First, know your rights. As mentioned above, the CROA mandates that credit repair services inform you of your rights prior to making any contract or agreement. You don’t want to get involved with a company that doesn’t tell you that you can dispute inaccurate claims on your credit report on your own for free and that you can exit a contract with a credit repair company within three days for any reason. Sometimes a company may ask you to sign a form waiving these rights as a way to discourage you from exercising them, but that practice is illegal and doesn’t override your rights.

Common signs of a credit repair scam include high upfront costs, no explanation of your legal rights, too-good-to-be-true guarantees and encouragement to lie about your credit history, credit-worthiness or identity. All of this is illegal and can create even more trouble than you started with. For example, some credit repair scams claim to procure a new credit identity for you, giving you a nine-digit number to use in place of your social security number. This is always fraud and is often identity theft. Another common tactic for credit repair scams is to dispute all derogatory marks on your credit report, regardless of accuracy. If a credit repair service is acting illegally, file a complaint with your state Attorney General and the FTC.

Understanding Your FICO Score

Although credit repair can make a huge difference in your credit score by correcting inaccurate derogatory marks on your credit report, there are several other things you can do to improve your credit. The first step you should take is to learn how credit scores work. Lenders usually use FICO scores to judge your creditworthiness. Your FICO score is calculated based on five components: payment history, number of credit inquiries, credit mix, credit utilization and credit account history.

Because there are three credit reporting bureaus and each bureau may have different information, it is possible to have multiple credit scores. According to Nancy E. Bistritz-Balkan, vice president of communications and consumer education at Equifax (one of the three credit bureaus), each company uses slightly different metrics. “Consumers frequently ask why their credit scores are different,” she explained in an interview. “Not all lenders, financial companies and credit card companies report their information to all three major nationwide credit bureaus. They may report to one, two, all three, or none at all. In addition, each credit bureau has its own credit scoring model, and each lender has typically had its own lending criteria... In addition, lenders, financial companies, and credit companies report account information at different times, which can also impact credit scores.” Even with these differences, however, “The factor that can most significantly impact a consumer’s credit score is payment history,” she told us.

Payment History
Payment history makes up 35 percent of your FICO score, so one of the best things you can do to repair your credit is to make consistent, on-time payments. One way to make sure you pay on time each month is to schedule automatic payments, which are easy to set up for most credit accounts. Even a year of consistently on-time payments can do wonders for your creditworthiness to lenders. “A derogatory mark doesn’t mean someone’s credit history stops,” Bistritz-Balkan said, emphasizing the importance of practicing good credit behavior even if you end up with some negative items on your credit report. “Remember: When lenders, financial companies or credit companies check someone’s credit history, they want to see a good track record of making timely payments."

Credit Utilization
Your credit utilization is both the amount of money you owe and the ratio of your debt to your available credit. This makes up 30 percent of your credit score. For example, if your limit on a credit card is $1,000, putting $300 on the card puts your utilization at 30 percent. There isn’t a hard-and-fast rule for how much credit you should be using to maximize your score, but generally, keeping your balances lower is better, as creditors consider regularly maxing out your card or carrying debt close to your credit limit to be irresponsible credit behaviors. Paying off debts and using credit cards less frequently are great ways to start getting your credit utilization percentages in order.

Credit History
The total length of your credit history makes up 15 percent of your FICO score. A longer credit history makes it easier for lenders to gauge your long-term financial behaviors and, therefore, results in a higher score. Someone who just opened their first credit account would lose points for this, though it is still possible to have a good credit score with a relatively short credit history. You can use this information to improve your credit by holding on to your oldest credit accounts.

Credit Inquiries and Credit Mix
Your credit mix and your credit inquiries or new credit make up the remaining 20 percent of your FICO score. Credit mix is the different types of credit you use, including credit cards and loans. Having a good mix tends to be better for your credit score than having a bunch of credit cards, for example. But if you have only one or the other, it’s not a huge deal. New credit and credit inquiries are the number of credit lines you’ve opened or applied for within the past year. Hard inquiries to your credit hurt your credit score, so you should apply for new lines of credit only when you need them.

Contributing Reviewer: Rebecca Armstrong