Brand Partner ContentA credit repair can remove negative marks from your credit report, so you can buy a house or a car you’ve set your heart on.
With so many credit repair companies out there, how to choose the best one for you?
Because I recently needed help from a credit repair company, I talked with my friends and did countless hours of research. I’ve narrowed it down to the top five best credit repair companies, and here’s what you should know about each one.
Top 5 Best Credit Repair Companies
- Credit Saint – a highly reputable company offering an initial free consultation
- Lexington Law – offering all sorts of legal advice and support
- The Credit People – with a low-fee trial week offer
- Credit Repair – a variety of packages to help you clean up any negative score
- Credit Firm – offering a legal audit of your credit reports
Our Top Picks
1. Credit Saint
Credit Saint has an A+ rating from the Better Business Bureau. This credit repair company was founded in 2007, and since then, it has helped thousands of customers improve their credit scores.
What makes them stand out is that they offer a free consultation to talk about your credit score and identify any negative points. You’re under no obligation to pay for this service.
If you choose to continue working with Credit Saint after the consultation, they will contact the major credit bureaus on your behalf – just to remove any inaccurate information from your credit report.
Credit Saint is an aggressive credit repair service, but they’re aware that different people have different needs. That’s why they offer three service packages:
Credit Polish
Credit Polish is their basic package and includes five challenges of negative items per cycle, free score analysis, challenge identity theft, charge-offs, challenges to 3 credit bureaus, and a credit score tracker.
Credit Remodel
Credit Remodel includes everything as the Credit Polish package, and some additional services, such as ten challenges of negative items per cycle, credit Experian monitoring, escalated information requests
and the challenges, such as bankruptcies, late payments, repossessions, and charge-offs.
Clean Slate
The most aggressive package available: It includes everything as the previous two, plus an unlimited number of challenges of inaccurate items, cease and desist letters on your behalf, and judgment disputes.
Credit Saint bought me with their free credit consultation, hundreds of positive user reviews, and because they charge less than other companies, but offer more services.
Pros:
- 90-day money-back guarantee
- Three packages at affordable rates
- Online sign-up
- Online account for tracking Credit Saint progress
Cons:
- Not available in all states
>>> CLICK HERE to check out Credit Saint TODAY
2. Lexington Law
If you need legal help, Lexington Law might be the one for you, as this is a real law firm.
It was founded in 1991, so it’s the credit repair company with the most experience in the US. Lexington Law has had 10,000,000 negative items removed from their client’s credit reports in 2017 only.
This credit repair service employs lawyers and paralegals that use specific laws to protect your credit score. They do this by obtaining a copy of your credit reports and finding what’s bringing your score down.
Then, they send disputes to challenge the inaccurate items. What I liked is that they’ll give you an online dashboard, so you can track what’s happening with your credit score every step of the way.
Lexington Law will assign you your own rep, usually a paralegal. You can schedule an appointment with your rep even beyond business hours, which comes in handy if you’re very busy.
Same as other credit repair services, Lexington Law offers three credit repair packages you can choose from.
Concord Standard
This is their most affordable package, and it includes challenging negative items from three major credit bureaus and creditors.
Concord Premier
Concord Premier package includes everything as the standard package, as well as the removal of hard inquiries, TransUnion alerts, and score analysis.
Premier Plus
The most expensive package Lexington Law offers includes services such as identity theft protection, personal finance tools, cease and desist letters, and FICO score tracker.
Pros:
- Online customer service
- Free credit report consultation
- Online dashboard for following the progress
Cons:
- No Better Business Bureau accreditation
>>> CLICK HERE to check out Lexington Law TODAY
3. The Credit People
If you’re looking to try out a service without making a commitment, then you should consider The Credit People.
You can pay $19 to try out this credit repair agency for one week. If you like it and want to continue with them for longer than a week, you can choose between two membership credit repair services:
a monthly fee or a flat-rate membership for six months.
Both credit repair services include:
- $19 fee for the first week
- Debt inquiry and validation
- Communication with creditors
- Unlimited number of credit disputes
- 6-month satisfaction guarantee
The Credit People claim to have removed about 1.5 million negative items from their customers’ credit reports. While no credit repair service can guarantee that you’ll improve your credit reports, The Credit People’s website claims that they have helped their customers’ credit reports increase between 55 and 187 points.
The reviews we checked especially praised their customer service and the fact that once you sign-up, you get a personal online account, which is accessible from any mobile device or a computer.
You’ll also receive notifications, so you’ll know right away if something changes in your credit repair account.
Pros:
- FCRA certified consultants
- Toll-free customer support
- Account accessible at any time
Cons:
- No financial management tools
>>> FIND OUT more about The Credit People TODAY
4. Credit Repair
The appropriately named Credit Repair, since 2012, the agency has removed 1,800,000 harmful items from the client’s credit reports.
After a user signs up, Credit Repair charges them $14.99 to check their credit report to identify invalid, confusing, and misleading information on it.
Next, the Credit Repair team creates a custom credit repair plan to remove all the negative items and help your credit scores.
All legitimate credit repair companies work on the same principle, and that’s to offer their customers several packages. Credit Repair offers three packages:
Direct Package
This is the most affordable option. It costs $14,94 to sign-up, and there’s a monthly fee, one of the cheapest in the credit repair industry.
If you have a few negatives in your credit history, this could be the best credit repair option for you, as the package includes 15 credit challenges and 3 creditor disputes monthly.
Standard Package
This package includes:cease and desist letters to creditors, $25,000 worth of Identity theft protection, 24/7 credit monitoring, and six interventions to three credit reporting bureaus.
Advanced Package
Apart from containing everything the first two packages do, this premium one also includes:
$1 million in identity theft insurance, personal finance tools, 19 negative items challenged, and a monthly FICO score.
Pros:
- Free consultation
- Available online and has iOS and Android apps
- 50% discount if your friend or a family member signs up
Cons:
- Lack of clarity on who are their experts
>>> FIND OUT more about Credit Repair TODAY
5. Credit Firm
Like most credit repair companies, Credit Firm also offers a free consultation, including a review of your credit history and a step-by-step action plan that’ll help you improve your credit score.
Credit Firm is a highly reputable company that has been around since 1997, founded by a group of attorneys.
What you may like best about them is that they offer something no other services in the credit repair industry do — a legal audit of your credit reports by a licensed attorney.
Not only will an attorney review your credit report, but also all documents the company sends to creditors for you.
While other credit repair services offer two to three credit repair packages, Credit Firm offers only one credit remodel package.
In this package, you get an unlimited number of disputes a month, which is a fantastic deal seeing how other credit repair companies often limit or raise their price as the number of disputes increases.
Pros:
- Toll-free customer service available 24/7
- Highly rated by Better Business Bureau
- No upfront fee
Cons:
- No debt settlement service
>>> FIND OUT more about Credit Firm TODAY
How Do You Pick The Right Credit Repair Company?
There are several factors you should consider when choosing credit repair companies.
1. Reviews and Complaints
Always check the reviews and complaints from sources such as:
- Better Business Bureau
- Consumer Financial Protection Bureau
- Google reviews
Pro tip: Don’t check the reviews on the direct website only, but go on third-party websites as well to make sure the reviews you’re reading are authentic.
2. Services Credit Repair Companies Offer
The majority of credit repair companies have tiered packages, which offer different services.
The most important things you should take into consideration are:
- The packages offered
- The number of disputes per month
- Monthly fee
- If there’s credit monitoring
- Identity theft insurance
- Credit repair software
- Goodwill letters asking creditors to remove negatives items sent to credit reporting agencies
3. X Day Money-Back Guarantee
The Credit Repair Organizations Act doesn’t allow credit repair companies to guarantee results.
But, the Credit Repair Organization Act doesn’t prohibit companies from usually offering a 90-day money-back guarantee if there aren’t results after a certain time period.
My two cents: legitimate companies should offer a money-back guarantee, which is why I gave these companies an advantage when choosing the one for me.
4. Cancellation Policy
Choose a company whose cancellation policy is free and available at any time.
Did you know? All credit repairing agencies are under obligation to tell the truth about their services.
You, as a customer, are entitled to a mandatory cancellation period, which is the first three days.
If you believe there’s a scam, you can contact the Consumer Financial Protection Bureau, and they can help you.
What Is the Best Credit Repair Company for You?
A credit repair company will help you recover your credit score so you can finally get that purchase you’ve been thinking about. Moreover, you can get financial guidance so that you never end up in the red.
All of these companies are legitimate, successful, and can help you get a better credit report, but my recommendation is Credit Saint. It’s trustworthy, it has great customer reviews, and most importantly, it has three packages suited to everyone’s needs.
Plan for a better future, and contact a credit repair company that best fits your needs today. And don’t forget to share your experience in the comments below.
>>> TRY Credit Saint TODAY (CLICK HERE)
Advertising disclosure: We may receive compensation for some of the links in our stories. Thank you for supporting LA Weekly and our advertisers.