Best Credit Repair Companies 2021 – Honest Credit Repair Reviews and Actual Results
Best credit repair reviews – Are you interested in hiring a credit repair company to raise your credit score? Choosing the right credit repair company can mean the difference between thousands of dollars and hours of wasted time. There are endless amounts of credit repair companies out there, and they all claim to offer the same thing: a higher credit score at a low cost. But which of these credit repair companies truly do offer what they say they do? We have the answers. After conducting extensive research on all of the top credit repair companies out there, we have compiled a list of which ones are the best. Each service that we feature, we have actually used first-hand by someone in our company or by someone we know and the results have been documented. Disclaimer: If you sign up with one of these services through our site we may earn a commission (but not on all). It is more important that we are ethical, upfront, and transparent in our findings and that you can trust our reviews to help you make the right decision about which credit repair company to choose.
#1 – Sky Blue Credit– Sky Blue Credit is a reputable trusted company that has been repairing credit for many years. It is, from our hands-on trials and findings, the #1 overall best credit repair company.
No-Nonsense | No-Pressure Courteous Team
They are comprised of a team of credit specialists that are extremely courteous and professional. If you’re looking for a credit repair company that has repeatedly shown successful results for years and years, then Sky Blue is a great option!
How Do We Know That They Work?
Because we’ve used them and we have proof of the results.
That is why they are our #1 choice for credit repair. See actual deletions that they have acquired for us.
Another close colleague of ours used Sky Blue with great results. After 7 months, his Fico Score went from 601 to 733 with 17 deletions of negative items (4 of which were charge-offs).
They have also helped other members of our team. See more of what Sky Blue has done for us! Visit their website for more information.
Here’s Why Sky Blue is the Best Credit Repair Company
Sky Blue offers THE ONLY 90-day condition free refund policy in the industry – You have 90 days from the date of enrollment to request a refund. It is that simple and that clear.
Sky Blue has an A+ Rating with the BBB – An A+ rating after 31 years in the industry. Need we say more?
Sky Blue is the ONLY all-inclusive service – Professional credit report analysis, faster disputes, custom disputes, statute of limitation research, score assistance, credit rebuilding, debt validation, goodwill letters, cease & desist letters, and debt settlement/negotiation consultations. Everything is included. No upgrades are ever needed.
The ONLY 35-day dispute cycle – Most credit repair companies have 45-day cycles in-between disputes. With Sky Blue Credit your turnaround is much faster.
The ONLY flexible payment program – Need a little time to get some funds together? You can temporarily pause your service with a click of a button!
One of the largest credit repair education centers online – Over 500 + pages of tutorials and tips.
Best support – They do not have pushy salespeople. NO ONE at Sky Blue makes a commission. When they are done with your account, they will let you know. They will never drag you along.
You can quit at any time – There are no long-term commitments. You can quit at any time with no penalty.
Sky Blue offers FREE NO PRESSURE Consultations – No pushy sales. No pressure. Just good solid advice and honest answers to your questions.
The one thing that you can be sure of is that The Credit Pros will treat you in a courteous and professional manner. You will have full transparency on your account and you will know exactly what has been done each step along the process and your private information will always be 100% secure.
A true boutique company
You will also get the best customer support. Someone will always be there to help you or to answer your questions. Trust us, this is not extremely common with other companies. You will also get fully customized handwritten letters They do not print out generic letter campaigns as most of their competitors do.
The Credit Pros are also ahead of their time with advanced AI technology (CreditRepair.ai™), and CreditSentry™ where your credit reports will be monitored in real-time by Transunion.
Learn more about their advanced features here.
What The Credit Pros Accomplished for two of our Colleagues
We have a great testimonial from a colleague where The Credit Pros realized 15 deletions in five rounds of disputing. Her score went from 601 to 721.
Another colleague had 9 deletions in just two rounds with their “success package” which cleaned up his reports across all three bureaus (Transunion, Equifax, and Experian) and helped him to get approved for a mortgage. The Credit Pros were able to get a tax lien and three collection accounts removed because of inaccurate reporting.
The good news is that Credit Saint is a BBB accredited business. They also have an A+ rating. Other accolades include being top-ranked by Consumers Advocate, top-ranked by Prevent Loan Scams, by bettercreditblog.org, and of course now here on our site on CreditRepairReviews.co. Lastly, they have an impressive 90-day money-back guarantee.
We used Credit Saint Credit Restoration for 4 months, and they got 15 negative items removed for us. We have dealt with and have personally met the staff of Credit Saint as they are located locally in New Jersey, our headquarters. Credit Saint was able to get 21 deletions in the first round for one of our constituents in October 2015. Click Here to learn more about Credit Saint.
Established as a leader in credit repair in the United States, Lexington Law provides professional services and proven results. What sets Lexington Law apart from most other credit repair services is the fact that they are a law firm. With 22 lawyers working in 16 different states, Lexington Law has helped over 500,000 clients fix their credit over the past 20 years.
Another Real Case Study
We signed up with the Lexington Law program for 9 months, and during that period we saw 19 negative items removed from our credit reports (4 of them were inquiries). See a more in-depth close-up picture of our case study. (look in the results section). We have recommended them to our peers as well as to consumers that reached out to us and weren’t sure where to turn for help. Visit the Lexington Law Website.
Comprised of a team of credit repair experts, CreditRepair.com is a modern and proven-to-work credit repair company. Their advanced credit repair techniques and state-of-the-art technology will prove to provide one of the most successful credit repair programs out there. Their interactive website will 24/7 client access is sure to impress!
How they helped us
In 4 rounds of disputes, (about 6 months), they deleted 17 negative items for us. We did not use the service that long and we still got really great results. See moreof what they have done for our close constituents as well as how they have helped other clients.
Simple, fast, and effective: those are the three entities that Ovation promises to every client. Offering professional credit report repair, two different credit repair programs, and proven results, Ovation is definitely a top ten credit repair company in the United States.
What they did for us
We used Ovation Law for 6 months with better than average results. They did not produce as well as some of the other companies but we still saw 9 deletions disappear within the 6 months with Ovation Law. They realized a bankruptcy deletion for one of our friends’ uncle. The deletion wasn’t for us but we did recommend them to Ovation when he ran into debt issues and had to, unfortunately, file for bankruptcy. See our full review.
Criteria of How We Rank the Best Credit Repair Companies
We use the services firsthand. We then compile the data to see who has helped us obtain actual credit repair deletions from our reports. We cross-analyze to see which companies deliver on what they advertise.
The amount of time a company has been in business is a huge determinant of how reputable they are, so “experience” is one of our top ranking factors. We also look to see if they are experts in their field.
Since the Better Business Bureau is a respected rating system, we take each company’s BBB rating into consideration. This is not the top metric in our algorithm, but we do put some weight on it.
Getting the job done in a timely fashion is very important for consumers and it is a big concern of ours. We dismiss companies that have a reputation to keep clients in the program for lengthy periods of time.
Guarantees & Warranties
It is very important for consumers to be able to feel secure about their investment or purchase, so guarantees are another factor in our reviews. We make sure our recommended services are trusted.
There is no better source of valuable information about a company than from its past or present customers. So we have compiled a large amount of REAL verified reviews from REAL customers.
A company’s reputation is very important, so we take everything that we hear or read about a company into consideration. We also have reached out and spoken with every one of these company owners.
Above all other factors, we are aware that price can be a huge deal-breaker for people who may be struggling. We have analyzed which companies offer the absolute best services for the most affordable price.
Making sure that your credit information which is being reported about you by third-party agencies is your right under the law. Although many people think that credit repair is not possible or that using an online credit repair company is illegal or may be a scam, the fact remains that hiring one of these online credit repair companies is completely 100% legal, and is your right under the Fair Credit Reporting Act (FCRA). Many consumers do not know but the FCRA actually supports your ability to dispute negative erroneous items on your credit report.
You have the right to double-check any information at all, that you feel is inaccurate, which is showing up on your credit reports. Remember that the three major credit bureaus are independent companies that are buying and reselling information about you to creditors, lenders, and banks. You did not ask for this credit information to be compiled about you but it is and the laws are in your favor to ensure the accuracy of this information.
Believe it or not, it is up to you and you alone to make sure that the information provided about you is accurate. If you feel that anything at all is not accurate, or looks even remotely fishy on your credit reports, you should dispute them with the three major credit bureaus immediately. If you don’t recognize a particular item or a particular creditor; or even if your reported available credit line is not accurate, you should dispute it straight away.
Your credit report changes every single month. Every month your creditors update specific information about you and report it to the credit agencies. They update everything that they know about you including your account balances, inquiries, your recent payments, and existing credit lines, so you should be checking your credit report all the time to make sure that all of the information is 100% accurate. We would suggest checking the information reported about you at least once every two months at the very least. To really keep on top of what is going on, you have 2 simple choices…
Choice 1: You do it yourself. You 100% most certainly can tackle this on your own. You would simply need pull your current credit reports and go over each of them very closely and look for any incorrect information. You would then dispute all of the erroneous information that you found by writing letters to the respective creditors as well as to the credit bureaus. You have the right to do it on your own and/or hire a credit repair company. If you have the time and patience, by all means do it on your own because you will save money.
Choice 2: Hire a credit restoration service. There are advantages to using a legit credit repair service if you do not have the time or know how to do it yourself. Some advantages are that they know the laws in each state. They know how to effectively write dispute letters that force the credit agencies to take action and lastly that they will work on your file residually and keep up on the process until the desired results are achieved. This list of the best credit repair companies was created to help consumers that don’t have the time to work on their own cases and so that they can find reputable agencies that can perform the legal services that really work. We of course cannot fully guarantee what your own individual or personal results will be, but we assure you that all the services on this list are 100% reputable and will show you positive results.
We Have Been Providing Credit Repair Company Reviews for over 15 Years
So we know a thing or two! (That sounds like the Farmers commercial). :)
But seriously, we realize that having bad credit is a consequential problem and that there are many consumers out there that are not sure which road to travel on, and they are not sure how to deal with and fix it. Should they try to do it themselves or should they look for a reputable company that will genuinely have their best interests in mind?
Both options are viable and we aim to help you to do either or.
We have just fully updated our 10 Step credit repair guide with more in-depth information to give you a better understanding of how to repair your credit, whether doing it on your own or by utilizing a credit restoration program or service.
If you have been considering starting your own credit repair business, check out our fully updated review of the best Credit Repair Cloud software. We have added all of their options including their free 30-day trial of the software and their free training class. This is a must-read if you want to start your own business.
We just recently updated our Facebook page with some truly helpful information when it comes to repairing credit. We hope you find a lot of value in the content.
Here are our 12 latest blog posts:
Inc Authority reviews – Calling all entrepreneurs! Get your LLC or Corporation set up for free! Read our in-depth review to see everything that you can if you sign up with this company to get your business entity off of the ground.
If you want the real truth about credit repair, we’ve got answers to the most common misconceptions. See our latest record release :) credit repair myths exposed.
Does requesting a credit line hurt your score? In this latest article, you will learn whether or not requesting a credit line increase will hurt your fico score. You will also learn how to utilize and leverage a simple strategy to raise your credit score overnight!
If you’re looking to start a successful freelance affiliate marketing business, or if you want to build an affiliate downline for your credit repair business, you’ll want to check out this amazing 15-day course from Legendary Marketer. The course is just $7. And trust us it’s well worth it. Founder Dave Sharpe has done a really great job by over-delivering with value with this one!
If you are a small business or a start-up entity and you need business credit, we have great news for you! We’ve partnered with Fund and Grow, a company that will help you to get uncollateralized business credit cards at 0% interest with no tax returns or financials required. See our full review of Fund and Grow and learn how it works. Trust us, you’re gonna like this!
We have put together some really clever goodwill letter templates that you can use to get late payments removed from your credit reports. We explain some of the best strategies so you have a better chance of successfully getting the late marks removed.
Here is our brand new resource of where to find the best online education. Included are our hand-picked recommendations of the best courses and training to help you become an expert in your field.
Do you want to sharpen your digital marketing skills? We’ve got to 100% covered! We have just created an amazing marketing section where we offer tips on how to grow and scale your business as quickly as possible.
Moosend – Read our full review of this all-in-one email marketing platform.
Kartra – Could this be the #1 absolute best all-in-one marketing tool for running your online business? Read this review and find out!
Our All-New Guide to Getting Out of Debt
We are not just credit repair anymore! We have just launched our all-new debt help guide!
And we’re not just saying this, you’re going to love it! We have uncovered tried and true techniques that will help consumers not only just get out of debt but to build wealth at the same time!
Please take a moment to visit our three latest debt help posts
How to get out of debt – If you’ve been dreaming about finally becoming debt-free, this is the page that you want to read first! Using our strategies, you can learn how you can get rid of all of your debt anywhere from 2 to 7 years. By the way, these strategies do really work. So if you have been longing to get out of debt, make sure you read this post. It can change your life!
How to pay off your mortgage early – How would you like to pay off your mortgage in 5 years instead of 30 years? Well, now you can do just that! Not only will you be able to pay down your mortgage but you will also be able to pay off all of your existing debt including credit cards, personal loans, car loans, you name it! Get rid of your debt forever with these amazing tried and true strategies. You can become fully debt-free and you can start building a stream of wealth well within just 2 to 5 years by following our strategy. Don’t wait. Now is the time to get of debt entirely, forever, and for good!
Best debt elimination software – We have found an astounding company that offers a unique proprietary debt elimination software that uses sophisticated algorithms to get you out of debt in just a couple of years. Please take the time to fully read our reviews of the best debt trackers and debt elimination software. Getting out of debt has never need easier thanks to modern technology, science, and mathematical algorithms.
Hey, debt sometimes happens because of unseen circumstances. Just know that you can rebuild. We are always here to help you with support on any level. Please feel free to reach out to us with any questions or comments. We love feedback and we love helping our visitors to find their way by increasing their credit scores and completely getting out of debt while building wealth. Don’t worry. You’ve got this!
How to start a credit repair business from home– For all of you entrepreneurs out there. Here is the one and only insurmountable guide that will take you by the hand and walk you through actionable tasks, step-by-step, from A to Z, on how to start your own credit repair business. You can start your own lucrative profitable business with very little overhead. Imagine being self-employed while helping others to improve their credit scores so that they can get the loans, credit cards, and mortgages that they need!
Credit Repair Laws and Loopholes – See the loopholes and laws that you can use to fix your credit legally, efficiently, and quickly. There are no tricks here, just some really good treats that you can use to repair your credit, and they (these loopholes) are backed by the law.
Start your very own debt to wealth business – Get paid anywhere from $500 to $1,500 per sale just by sharing an award-winning debt elimination software! You can finally become your own boss and build up a big team! This is an amazing lucrative opportunity. You can show people how to completely eliminate their debt and turn that previous debt into instant wealth. This may very well be one of the best businesses of the 21st century.
Check out our complete guide for entrepreneurs. This guide was created specifically for entrepreneurs that are looking to get into the credit repair business. If you are serious about starting a business, we highly recommend that you take the time to go through this section of our site. You will find a lot of useful start-up ideas and marketing tips.
Want to reach out to us? We love feedback! contact us today!
Which is the best credit repair company
What is the #1 best credit repair company? Our #1 choice is Sky Blue Credit Repair because they do not have a pushy sales team. They are rated high with the BBB and they also offer a 90 day full money back guarantee. They also get the job done.
What to look for and watch out for when choosing a credit repair company
Use due diligence and do research about the company.
Our site helps you to do just that.
The credit repair company should have good reviews
Choose a company that has a lot of experience with repairing credit.
The company should have a positive track record online with few or no negative reviews and should have a positive track record with the BBB.
The BBB is a 3rd party organization that helps consumers and businesses to resolve disputes. Accredited businesses that join the BBB support what the BBB does and they pay a yearly fee which helps the BBB offer its services to consumers for free. Not all businesses are accredited with the BBB but they may still have a grade rating (Of A, B, C, etc.) and you can still read reviews, customer complaints, and any disputes filed against them. You can then see how the disputes and claims were handled by the company.
Choose a company that is willing to back up its brand with a no-nonsense moneyback guarantee.
There are no guarantees with credit repair but you want a company that is willing to put its money where its mouth is.
Make sure that they do not charge upfront fees
Never hire a company that charges you upfront fees.
It is for your protection that credit repair companies must start and perform some work for you before you pay them.
Are they making false claims?
Some unscrupulous credit repair services will falsely claim that they are affiliated with, and have an inside connection with the credit bureaus or that they are partners or allies with some sort of governmental agency. Beware of these declarations as they are both fraudulent assertions.
There is no such thing as guaranteed results
Beware of false claims of guaranteed results. There is no such thing as guaranteed results not just in credit repair, but just about with anything in life. They have not even seen your credit file yet. They do not know your situation and they do not know if there are any inaccuracies on your credit reports. How can they guarantee results? Run as fast as you can from these types of companies.
Promising to get you to a specific score
If they tell you that they will surely be able to get you a 750 credit score, again, run away as fast as you can. These are simply more false claims. Again, no company can guarantee you a specific score.
Promising to remove your accurate delinquent information off of your credit score
Although it is true that this is possible with some of the credit repair laws and legal loopholes that exist for your protection, however, the chances are unlikely, and telling you that they will do so is an immoral and untrustworthy claim.
Failing to tell you that you have the right to repair your own credit
You can dispute with the credit bureaus yourself. If they tell you that either you cannot do it on your own or that it would be a lot harder for you to do it yourself, they are lying.
They tell you not to directly contact the credit agencies
You have every right to do so.
They tell you to give incorrect information on credit applications because it will help you to get a loan
They are downright telling you to lie. How is that trustworthy?
Promising to create you a new identity
Watch out if a company says they can create you a new identity, and social security number so you can start off on a clean slate. This is an illegal activity and you could end up in prison.
Is the pricing reasonable?
Make sure that the pricing is reasonable and affordable.
Is there customer service good?
Are they giving you a lot of value? Does the information sound reasonable? Are they giving you the answers to your questions without being pushy? These are all good signs that they are a reputable firm.
The company should offer free consultations and absolutely should not have pushy salespeople.
We feel it is very important that you call and talk to a professional that represents the company (and not just a salesman) before you invest in their services.
If you are feeling like you’re being pushed into something, chances are that you are, and chances are that something that they are doing is not in your best interest.
You want a company that will go over your finances and credit situation and covers every single step of what will (or may) happen with your account.
They need to build trust with you.
Do not feel pressured into making a decision. If it doesn’t feel right, well then, it probably isn’t. Trust your intuition.
A good credit repair company will be personable and honest with you and not just simply treat you as a sale.
Your trust in them
They will have the power of attorney to dispute negative items on your credit reports for you.
All of your information must be 100% correct and 100% verifiable
They will go through your credit reports with a fine-tooth comb and they will know exactly what to dispute for you. All of the information that is reported about you from the three credit bureaus must be 100% correct. If there are any discrepancies whatsoever the items must be removed.
They will know the laws
A really strong company like sky blue credit will know all of the legal loopholes and laws so that they can get items that are not compliant with the law be removed from your credit reports.
They will offer you an ironclad moneyback guarantee
They will not charge upfront fees
It is illegal for a credit repair company to charge you before they start working on your case.
They will not charge extra for services that should be included
Here are some of the things that a credit repair company can do for you
Goodwill letters – They can write goodwill letters on your behalf to your creditors as well as to the credit bureaus.
Experience with bankruptcies – Although bankruptcies can be stubborn to get removed off of your credit report, a good credit repair company will know the loopholes especially on the public record end and they will have a much higher chance of getting a stubborn bankruptcy removed. learn more about getting a bankruptcy removed from your credit report.
Tax Liens – Tax liens are also stubborn items to get removed. But a good credit repair company will have experience with getting the job done.
Remove collection accounts – Having experience with collection agencies is a must. The company working on your behalf should know how to wheel and deal and be able to get collection accounts removed from your credit reports easily.
Getting judgments removed – Judgments happen when collectors do not get their money and they take the situation to court. If the court rules in their favor it will be a judgment placed against you and it will show up on your credit report. New laws have been made so that judgments do not appear on your credit reports so if you do have a judgment a good credit repair company can get it removed easily.
Writing debt validation letters for you – You all want the firm working for you so that they can validate all of your debts with creditors. If the creditor is coming after you to pay a debt, do not pay it until they send you a debt validation letter that will prove that you definitely owe the debt. If they cannot do that the item must be removed from your credit report.
Getting late payment removed – There are some tried-and-true techniques to getting a late payment removed off of your credit report. Your company should know the ins and outs to get this done for you.
Cease and desist letters – If there is a creditor that is coming after you and calling you at all hours of the night, by law they must stop sent a cease-and-desist letter. The company that you hire should be able to do this for you at no additional charge.
Inquiries – There are a couple of really good strategies to getting hard inquiries removed from your credit report. A good company will have the know-how to get the job done for you. Not all inquiries can be removed but in many cases, depending on the circumstances there are still ways to get the job done.
Charge offs – Charge-offs can lower your score dramatically. A charge-off happens when the creditor cannot get their money from you after many attempts. At that point they essentially write it off as a loss or in many cases they will sell your debt to a collection agency. Understand that this looks really bad for you because future lenders will see that the previous creditor just simply couldn’t get money from you and gave up on you. While charge-offs are stubborn at times to get removed, there are strategies in the way that you file a charge-off dispute. At times you can also negotiate a settlement and use the pay for delete strategy.
Custom disputes – There are times when 100% custom disputes must be sent. Many credit repair companies use templates over and over. A good credit repair company would never do that.
Statue of Limitation– You’ll want your company to be proficient in performing statute of limitation research. Collection accounts should never be disputed without knowing what the statute limitations are.
Help with rebuilding your credit –Not all credit repair companies offer with rebuilding your credit but the good ones do. Sky Blue Credit, for example, offers this service at no additional charge. They will also help with debt settlement negotiation consultations if needed.
We Thank You For Your Trust
Our reviews of the best credit repair companies are 100% real and are backed and verified by real actual results that we have received by paying for and using these companies firsthand.