TOP CREDIT REPAIR COMPANIES REVIEWS 2017

March 2017

How do you find the Best Credit Repair Company? Here are the pros and cons when it comes to services of the best credit repair companies.

Finding a credit repair company to help you fix your financial history can be intimidating at first. To help you out, we have listed the pros and cons of some of the best credit repair companies for you.

Even with so many choices for credit repair services available today, there will be companies that will take advantage of the situation and scam their customers. For someone who is looking to fix their credit but does not know where to start, it can really seem intimidating and some may even feel paranoid that they are being scammed. After all, who’s to say the company would just raise your credit score a few points, charge you so much money for it, and then call it a day? It’s a very much valid suspicion, so we have created this list of services that stood out from all other credit repair services out there. Here is a quick overview of what each company can offer you, with further details after.

SKYBLUE CREDIT REPAIR REVIEW

  • Price: SkyBlue Credit Repair is impressive mainly because of the fact it offers great service at a low price. Initial fee is $59, and then you pay only $59 monthly after that.
  • Features: SkyBlue Credit Repair is one of the best credit repair services today. No frills – instead of very fancy features that others offer, they are very straightforward. This includes fixing mistakes on your credit report, sending letters of good faith to your lenders, and searching for legal loopholes so that your credit score can go back to a decent level.
  • Cancellation: As SkyBlue’s services are month-to-month, you are free to cancel at any time.
  • Reputation: SkyBlue is considered one of the top credit repair companies, getting top ranking across many review sites, including an A+ rating from the Better Business Bureau (BBB).
  • Guarantee: SkyBlue offers a unique, full 90-day money back guarantee, regardless of your reason.
  • Customer Service: We learned that SkyBlue’s customer service is helpful and nice, something that is pretty unusual for a credit repair service.
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Initial Fee

$59

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Monthly Fee

$59

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BBB Rating

A+

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Phone

(888)534-1510

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Our Rating

THE CREDIT PEOPLE REVIEW

  • Price: One of the most attractive features The Credit People can offer is their 7-day trial for only $19, so you can try their services before you buy. They also offer a lump-sum price of $299 for 6 months of service in advance, or go for $59 a month – all options are relatively easy on the pocket.
  • Features: Similar to SkyBlue, The Credit People offer straightforward credit repair services rather than fancy but sometimes unnecessary features. Their basic services include fixing mistakes on your credit report, sending letters of good faith to your lenders and l searching for legal loopholes so that your credit score can go back to a decent level..
  • Cancellation: People who opt for the lump-sum option can still cancel at any time if dissatisfied. The month-to-month option also allows you to cancel at any time.
  • Reputation: The Credit People has mixed reviews. On the BBB website, it has a number of reviews which average out to about a “B” rating. While some online reviews are very impressed with their services, others were disappointed. However, everyone agrees that the money-back guarantee is really great.
  • Guarantee: The Credit People can refund you 100% even when you cancel your 6 months at any point in time if you are not satisfied, something that is unique to them.
  • Customer Service: They have limited customer service, as their phone hours are only between 8 a.m.-5 p.m. Outside of that, they can only offer email customer service, but it’s guaranteed The Credit People will get back to you within 24 hours.
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Initial Fee

$19

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Monthly Fee

$59

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BBB Rating

B

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Phone

(844)528-2246

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Our Rating

LEXINGTON LAW CREDIT REPAIR REVIEW

  • Price: Lexington Law Credit Repair has three different types of service. These plans cost $79.95/month, $99.95/month or $119.95/month, depending on which type you need.
  • Features: Their first type of service, Concord Standard, offers the same credit repair basics that SkyBlue and The Credit People can offer. The second type, Concord Premier, adds a second level of credit repair assistance, in addition to monthly credit monitoring, plus a credit score improvement analysis. Lastly, the PremierPlus plan adds identity fraud alerts and personal finance tools which can help you monitor your finances.
  • Cancellation: Lexington Law’s services are month-to-month, so you can cancel at any time.
  • Reputation: As represented in their name, Lexington Law is run by actual lawyers, the only credit service that does, so its reputation is strong. It also has an A- rating from the BBB.
  • Guarantee: Lexington Law only charges you for work they have already completed.
  • Customer Service: Lexington Law has a comprehensive customer service network that involves phone, email, and chat, all of which can prove to be very helpful.
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Initial Fee

$79.95

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Monthly Fee

$79.95

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BBB Rating

A-

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Phone

(844)259-3376

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Our Rating

CREDITREPAIR.COM REVIEW

  • Price: CreditRepair.com offers all of their services at $99.95, and it includes all of their bells and whistles, whether you need them or not.
  • Features: CreditRepair.com offers the basics of credit repair too. This includes your good faith letter, fixing mistakes on your report, and looking for and using loopholes to contest items on your report. They will communicate directly with credit card issuers and the credit bureaus to assure that these updates have been made. Lastly, they will monitor your credit for you, with a sleek user interface that can help you track your progress.
  • Cancellation: CreditRepair.com’s services are month-to-month, so you can cancel at any time.
  • Reputation: BBB rates CreditRepair.com an A+ and the company generally comes with a solid reputation.
  • Guarantee: Similar to Lexington Law, CreditRepair.com will only charge you for the month once they have completed the work.
  • Customer Service: CreditRepair.com is known for their sleek user interface, which almost eliminates the need for customer service, but their customer service is still pretty great should you really need to contact them.
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Initial Fee

$99.95

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Monthly Fee

$99.95

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BBB Rating

A+

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Phone

(844)764-9863

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Our Rating

What Are the Best Credit Repair Companies?

Most credit repair companies can offer and accomplish all of these things:

  • Retrieve your credit report from the three credit bureaus (Equifax, Experian, and TransUnion)
  • Fix errors, if any, on your credit reports
  • Help improve your credit score [also known as the Fair Isaac Corporation (FICO) score]
  • Negotiate with your lenders, including sending letters of good faith, to help remove any negative items
  • Look into, and take advantage of, legal credit repair law loopholes, so those negative items can be removed from your credit reports.

Some companies can offer more services, but the above are usually more than enough to help you get your credit back on the right track.

best credit repair companies

Top Credit Repair Company Overall: Sky Blue

SkyBlue Credit Repair is affordable yet trustworthy, making it one of the best credit services overall. Because of their low price, this company doesn’t really have all the fancy features other credit repair services offer, such as monitoring your credit, or giving you fancy tools that will track your progress. However, that’s often fine, as they give straightforward credit repair services. This includes fixing any mistakes on your credit report, sending letters of good faith to your lenders, and searching for legal loopholes so your credit score can get back to the right level as it should be.

The BBB gave Sky Blue Credit Repair one of the highest ratings we’ve seen, with the coveted A+ score. Because Sky Blue is very transparent in what they offer, and they have been around for 20 years, clearly they are one of the most reputable credit repair companies around today.

What’s great about Sky Blue Credit Repair is that they have a full 90-day money back guarantee if you are not satisfied, regardless of your reason. If you believe they have not done their job, they will give you a 100% refund within 90 days of signup, which is a pretty strong feature to offer in a world filled with sketchy companies.

What Does It Cost?

One of the cheapest yet reputable companies around, Sky Blue Credit Repair offers services at only $59 for initial and month-to-month payments (a stark contrast to others which usually offer the same services for over $100).

Top Credit Repair Company for Savings: The Credit People

The Credit People offers the same price Sky Blue does, at $59 a month, but their incentives have made them the cheapest credit repair around: their 7-day trial is only $19! This means you don’t have to commit to anything for too long – just try the service first for a week, and continue it if you find it satisfactory. You can even cancel your service at any time.

What Does It Cost?

The Credit People offers a $19 7-day trial, and then you can go for $59 per month of service, or a lump-sum option of $299 for 6 months. The lump sum option saves you as much as $55, and is also fully refundable.

Top Credit Repair Company for Extras: Lexington Law

Lexington Law, a credit repair that has lawyers on board, has been around longer than Sky Blue, and offers all they have plus more. However, in comparison to Sky Blue’s A+ rating by the BB, they were ranked A- (which is still pretty good).

Their basic package offers all we’ve mentioned above, but their Concord and PremierPlus packages offer the extra services like scrutiny on FTC regulations lenders must follow, and if the lenders don’t, Lexinton Law can legally have those malicious information removed from your report. Depending on the package you select, you can also have monthly credit monitoring and identity theft protection added, for your peace of mind.

Lexington Law guarantees you pay only for the work they promised to do – they only charge for the work that’s been completed. However, their guarantee is not a full refund, but it’s still quite a good deal, especially since lawyers are on board to help you improve your credit score.

What Does It Cost?

Lexington Law asks for an initial fee of $99.95, with an additional $10 to pull your credit reports from the credit bureaus. After the upfront payments, it will cost you $59.95 for the basic package (which includes everything Sky Blue and The Credit People can offer), plus a paralegal that helps you find other ways to improve your credit score and deal with your account. Their upgrade levels vary: the Concord package is $79.95/month, the Concord Premier package is $99.95/month, and PremierPlus is $119.95/month.

Top Credit Repair Company for Identity Theft: CreditRepair.com

CreditRepair.com can really help people who have experienced identity theft, and they can also manage the dispute resolution process that helps remove any negative and derogatory items from your credit report. Their personalized dashboard with a visual representation of your credit score can help you understand and plan out how to fix your credit. On average, they can give you a 7% decrease in the number of questionable negative items for each month.

What Does It Cost?

At $99.95 per month on a month-to-month basis, you do not need contracts or scary commitments – just simple, straightforward pricing. They can also offer a discount, when you sign up with someone else, both of you save $50 on the first month.

Top Credit Repair Company for Simplicity: Credit Assistance Network

Credit Assistance Network is relatively new, having started in 2004, but don’t let the company’s youth fool you – its owner has years of experience in the field. Even though there is little news on the company’s success rate, their website lists intricate details of their services. However, it doesn’t mention much about reasonable expectations, so make sure you read their FAQ page to know more before signing up for their credit repair service.

What Does It Cost?

Credit Assistance Network does not post their pricing – you will get a quote only when you fill out a request for their free credit analysis.

Honorable Mention: Ovation Credit Repair

Created around the same time as Credit Assistance Network, Ovation Credit Repair also started in 2004, but has an A+ rating from the BBB. They offer a 100% money back guarantee, so you can try their service with no risk. You get unlimited disputes, direct submission to the credit bureaus, and personalized service that includes an action plan, so you have all the tools you need so you can clean up your credit.

What Does It Cost?

Ovation can offer two basic plans, with some customization options:

  • Essentials – $59 per month, with an additional $89 setup fee. While relatively cheap, you will need to provide a copy of your credit report to get started – they won’t do that for you. You can also request for same day processing and identity optimization for additional, one-time fees.
  • Essentials Plus – This level is set up at $89 to setup and you pay $89 per month. In addition to dispute resolution, the Essentials Plus also includes sending out creditor goodwill letters which request for negative items to be removed. In addition, you also get TransUnion credit monitoring, which means you are notified any time there is activity that could badly affect your score.

How does it work?

You want to repair your credit and leave it to the professionals, but it also helps to know what goes on behind the scenes. Credit repair works by modifying or completely removing certain items from your credit report which drag your FICO score down. Through negotiation with lenders, fixing any mistakes, and using legal loopholes, your credit score can improve. While you can do these yourself, credit repair companies have a better understanding of how the system works and the legalities of it all, so they can get these things done more efficiently and effectively for a reasonable price.

What do credit repair companies do?

You want to repair your credit and leave it to the professionals, but it also helps to know what goes on behind the scenes. Credit repair works by modifying or completely removing certain items from your credit report which drag your FICO score down. Through negotiation with lenders, fixing any mistakes, and using legal loopholes, your credit score can improve. While you can do these yourself, credit repair companies have a better understanding of how the system works and the legalities of it all, so they can get these things done more efficiently and effectively for a reasonable price.

What credit repair services can I expect?

You want to repair your credit and leave it to the professionals, but it also helps to know what goes on behind the scenes. Credit repair works by modifying or completely removing certain items from your credit report which drag your FICO score down. Through negotiation with lenders, fixing any mistakes, and using legal loopholes, your credit score can improve. While you can do these yourself, credit repair companies have a better understanding of how the system works and the legalities of it all, so they can get these things done more efficiently and effectively for a reasonable price.

Which is the best credit repair company for me?

You want to repair your credit and leave it to the professionals, but it also helps to know what goes on behind the scenes. Credit repair works by modifying or completely removing certain items from your credit report which drag your FICO score down. Through negotiation with lenders, fixing any mistakes, and using legal loopholes, your credit score can improve. While you can do these yourself, credit repair companies have a better understanding of how the system works and the legalities of it all, so they can get these things done more efficiently and effectively for a reasonable price.