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CreditComparison

7 credit repair companies for Americans

What credit repair companies actually do, what they typically charge, and the free do-it-yourself alternative, so you can decide with clear eyes and steer around the common traps.

Last reviewed: · Reviewed by the TheSavvyAmericans editorial team

Important: Be very cautious of any credit repair company that guarantees a specific score increase, asks for large fees before doing any work, tells you to dispute information you know is accurate, or suggests creating a new credit identity. Those are signs of a scam and, in some cases, illegal advice. If the negative items on your report are accurate, no company can lawfully remove them.

Key takeaways

  • 1A credit repair company cannot legally do anything you cannot do yourself for free, and no one can remove negative information that is accurate and current.
  • 2This is an unordered listing, not a ranking or endorsement. We do not score these companies, because results depend on your specific reports.
  • 3Under the federal Credit Repair Organizations Act (CROA), a company cannot charge you before work is done, must give you a written contract, and must honor a three-day right to cancel.
  • 4The free route is to dispute errors directly with the bureaus and the furnisher. Start there before paying anyone.
Advertising disclosure: TheSavvyAmericans may receive compensation when you apply for or open a product through links on this page. This does not influence our editorial evaluations. Products are reviewed using a documented methodology. Learn how we make money.

7 credit repair companies, listed (not ranked)

These are established U.S. credit repair companies people commonly consider. We list them alphabetically-style without scores or rankings, because we do not endorse paid credit repair over the free do-it-yourself route below, and results vary with each person’s reports. Prices, features and company standing change, so confirm current terms on each company’s official site and read the contract before you sign.

Credit repair companies at a glance (unordered)
CompanyBest forMonthly costFree consultCancel anytime
Credit SaintTiered plans with a money-back guaranteeMonthly fee (tiered)YesYes (CROA right)
Sky Blue CreditSimple flat monthly pricingFlat monthly feeYesYes (CROA right)
The Credit ProsBundled credit tools and monitoringMonthly fee (tiered)YesYes (CROA right)
The Credit PeopleLow flat monthly feeLow flat feeYesYes (CROA right)
Pyramid Credit RepairA dedicated personal advisorFlat monthly feeYesYes (CROA right)
Lexington LawA long-established law-firm modelMonthly fee (tiered)YesYes (CROA right)
CreditRepair.comAn online dashboard and progress trackingMonthly feeYesYes (CROA right)
Tiered plans with a money-back guarantee

Credit Saint

Credit Saint offers tiered monthly plans that dispute questionable items with the bureaus and creditors, and advertises a money-back guarantee if it cannot remove or improve items within a set window. It provides a free consultation and credit analysis before you sign up.

Pros

  • Free initial consultation and credit analysis
  • Advertises a money-back guarantee
  • Multiple plan tiers for different needs

Cons

  • Charges a setup fee plus a monthly fee
  • Results are never guaranteed for accurate items
  • Not available in every state
Monthly cost
Monthly fee (tiered)
Setup fee
Yes
Free consult
Yes
Cancel anytime
Yes (CROA right)
Visit Credit Saint

Official site opens in a new tab

Simple flat monthly pricing

Sky Blue Credit

Sky Blue Credit uses a single flat monthly price rather than tiers, reviews your reports, and disputes items on your behalf. It advertises a 90-day money-back guarantee and lets couples share a discounted plan.

Pros

  • One flat monthly price, no confusing tiers
  • Advertises a 90-day money-back guarantee
  • Discounted couples pricing

Cons

  • Charges a first-work fee to begin
  • No mobile app
  • Cannot remove accurate negative items
Monthly cost
Flat monthly fee
Setup fee
First-work fee
Free consult
Yes
Cancel anytime
Yes (CROA right)
Visit Sky Blue Credit

Official site opens in a new tab

Bundled credit tools and monitoring

The Credit Pros

The Credit Pros bundles dispute work with credit education, monitoring and identity-protection tools on its higher plans. It offers a free consultation and a range of monthly plans depending on how much support you want.

Pros

  • Bundles monitoring and identity tools on higher plans
  • Free consultation to review your situation
  • Tiered plans and educational resources

Cons

  • Higher tiers add to the monthly cost
  • Setup fee applies
  • Value depends on whether you use the extras
Monthly cost
Monthly fee (tiered)
Setup fee
Yes
Free consult
Yes
Cancel anytime
Yes (CROA right)
Visit The Credit Pros

Official site opens in a new tab

Low flat monthly fee

The Credit People

The Credit People keeps pricing simple with a low flat monthly fee and a small setup fee, disputing items across all three bureaus. It advertises a satisfaction guarantee and flat couples pricing.

Pros

  • Low flat monthly fee
  • Flat pricing for couples
  • Advertises a satisfaction guarantee

Cons

  • Fewer bundled extras than rivals
  • Setup fee applies
  • No guarantee of specific results
Monthly cost
Low flat fee
Setup fee
Small
Free consult
Yes
Cancel anytime
Yes (CROA right)
Visit The Credit People

Official site opens in a new tab

A dedicated personal advisor

Pyramid Credit Repair

Pyramid Credit Repair assigns a personal account advisor and offers a single monthly plan with dispute handling and progress tracking. It advertises a money-back guarantee and discounted pricing for couples.

Pros

  • Dedicated personal advisor
  • Advertises a money-back guarantee
  • Couples discount available

Cons

  • Single plan may not fit every budget
  • Cannot remove accurate items
  • Smaller, less-known provider
Monthly cost
Flat monthly fee
Setup fee
Varies
Free consult
Yes
Cancel anytime
Yes (CROA right)
Visit Pyramid Credit Repair

Official site opens in a new tab

A long-established law-firm model

Lexington Law

Lexington Law is one of the longest-running credit repair providers and operates as a law firm, disputing items and escalating with creditors. Note that its affiliated operation was subject to a 2023 Consumer Financial Protection Bureau (CFPB) enforcement action, so review its current services and standing carefully.

Pros

  • Long operating history and law-firm structure
  • Handles disputes and creditor escalations
  • Nationwide availability

Cons

  • Affiliated operation faced a 2023 CFPB enforcement action; check current standing
  • Monthly fees can add up over time
  • Cannot remove accurate negative items
Monthly cost
Monthly fee (tiered)
Setup fee
Varies
Free consult
Yes
Cancel anytime
Yes (CROA right)
Visit Lexington Law

Official site opens in a new tab

An online dashboard and progress tracking

CreditRepair.com

CreditRepair.com offers an online dashboard, a mobile app and score tracking alongside its dispute service. Like Lexington Law, its affiliated operation was subject to a 2023 CFPB enforcement action, so confirm its current services and terms before enrolling.

Pros

  • Online dashboard and mobile app
  • Score tracking and progress alerts
  • Well-known national brand

Cons

  • Affiliated operation faced a 2023 CFPB enforcement action; check current standing
  • Ongoing monthly fee
  • Cannot remove accurate negative items
Monthly cost
Monthly fee
Setup fee
Varies
Free consult
Yes
Cancel anytime
Yes (CROA right)
Visit CreditRepair.com

Official site opens in a new tab

This is an unordered listing, not a ranking or endorsement. We do not score these providers. Do your own due diligence, read every contract, and confirm current terms and fees on each company’s official site before signing up.

How to read this list

We list these companies without scores, stars or rankings on purpose. Credit repair is a service where outcomes depend almost entirely on what is actually on your reports, and a company cannot lawfully remove information that is accurate and current. Presenting a scored "best" list would imply a result none of them can promise, so instead we describe what each company offers and point you to the free route first.

  • What credit repair companies do: they review your reports and file disputes over items they believe are inaccurate, unverifiable or outdated, and follow up with the bureaus and creditors.
  • What they cannot do: remove accurate, timely negative information, guarantee a specific score, or create a new credit identity (that last one is illegal).
  • What they charge: an ongoing monthly fee, and often a setup or first-work fee, for work you can do yourself at no cost.

Do it yourself for free first

Every dispute a paid company files, you can file yourself at no cost. If the negative items are errors, this is often faster and just as effective.

  1. 1Get your reports free at AnnualCreditReport.com, the only federally authorized source, and review all three bureaus for errors.
  2. 2Dispute inaccuracies directly with each bureau (online, by phone or mail) and with the company that reported the information. The bureaus generally must investigate, usually within 30 days.
  3. 3Include copies of supporting documents and keep records of what you send and when.
  4. 4For identity theft, use the FTC’s IdentityTheft.gov for a free, official recovery plan and pre-filled dispute letters.
  5. 5For accurate negatives, focus on time and habits: on-time payments and lower balances rebuild your score, and most negative marks age off after about seven years.

Good to know: Disputing accurate information just to try to remove it does not work long term. Bureaus can reinsert verified items, and knowingly filing false disputes can backfire.

Your rights under the CROA

The Credit Repair Organizations Act is a federal law that protects you when working with any credit repair company. Know these rights before you pay anyone.

  • No upfront fees: a company cannot charge you until it has completed the services it promised.
  • Written contract: you must get a written agreement describing the services, the total cost and how long it will take.
  • Three-day cancellation: you can cancel for any reason within three business days at no charge.
  • No false claims: companies cannot lie about what they can do or advise you to misrepresent information.
  • If a company breaks these rules, you can report it to the CFPB and your state attorney general.

Frequently asked questions

Is credit repair legit or a scam?
Legitimate credit repair companies exist and operate under the Credit Repair Organizations Act, but the industry also attracts scams. A legitimate company disputes inaccurate items and cannot promise to remove accurate ones. Treat any guarantee of a specific score jump, demands for large upfront fees, or advice to dispute accurate information as red flags.
Can a credit repair company remove accurate negative items?
No. No one can legally remove accurate, current negative information from your credit report. Accurate items such as late payments or collections generally stay on your report for about seven years and fall off on their own. Credit repair can only help with information that is genuinely inaccurate, outdated or unverifiable.
Is paying for credit repair worth it?
For most people, no, because you can file the same disputes yourself for free. Paying may make sense only if you have many complex, genuinely inaccurate items and do not have the time to handle the disputes and follow-ups yourself. Even then, the company cannot do anything you legally could not do on your own.
How do I fix my credit myself?
Pull your free reports at AnnualCreditReport.com, dispute any errors with the bureaus and the companies that reported them, and use IdentityTheft.gov if fraud is involved. For accurate negatives, rebuild with on-time payments and lower balances over time. This is the same work paid companies do, at no cost.

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