Credit Repair Companies

5 Best Credit Repair Companies of 2022

Findings from the Consumer Reports study show that about 34% of credit consumers have negative entries on their credit reports. These credit reporting errors can be rectified on your own or with the help of credit repair companies who specialize in this.

Results are not assured with the help of such agencies; however, the entire process of disputing errors with the best credit bureaus can be a hassle-free experience. It is recommended to shop for and compare the top-rated credit restoration companies in order to select the most affordable, reliable, and effective one with unmatched customer care. 

The prime factors to consider when opting for a credit repair company are as follows: 

  • Well reputed & credible: The agency should have widespread prestige with a past record of constant enhancement in client credit scores, along with being recognized in good regard by regulatory bodies of the government.
  • Prompt: Credit reporting bureaus should be quick to show results and advancements in client credit rating.
  • Accredited: The agency should be officially registered and have a license along with complying with the CROA (Credit Repair Organizations Act)
  • Customer Care: They should be responsive and cater to your credit restoration needs along with answering any queries regarding credit. 
  • Price: A credit repair company should offer affordable pricing without compromising the results and quality of services offered. Companies should be transparent about their charges and avoid indulging in deceiving practices such as “hidden charges.”

What Is Credit Repair?

Credit repair or restoration is the process of working with credit reporting bureaus to remove negative entries from your credit report, which will automatically increase your credit score.

A range of additional features can be accessed depending on the company you select for credit restoration. The extra services include; monitoring your credit, cease and desist letters, recommendation letters, and free credit score alerts.

Here are the five best credit repair companies:

1. Credit Saint

  • Priced at $79.99 per month.
  • Benefits: A money refund policy applies for the initial 90 days24/7 customer support, and a customized strategy.
  • A+ BBB Rating.
  • Excellent client-care services.
  • Website:

Credit Saint offers monthly packages starting from $79.99, going up to $119.99, paired with an added First Work Fee. The credit repair company has great customer support team reviews with an A+ BBB rating and an initial 90-day money-back guarantee.

The majority of credit reporting agencies utilize the standard and already available templates to form arguments on behalf of clients, Credit Saint, however, stand out from the rest in the way that they provide customized tailor-written arguments for clients. This strategy reaps a higher success rate when it comes to disputing negative entries in your credit report.

Advantages of Credit Saint 

  • A personal advisory team is readily available to assist you
  • Your current financial report analysis and progress reports can be accessed online  
  • Credit Saint aids you in forming a positive credit history for the future

Disadvantages of Credit Saint 

  • You may get slightly confused about which package to opt for as there are multiple offers to avail.

Credit Saint should be your top-most option for credit repair needs as it uses custom arguments to pitch to creditors.

2. Sky Blue Credit 

  • Priced at $79/month.
  • Benefits: 90-day money refund policy, free of cost for the initial six days.
  • Offers couples discount.
  • A+ BBB Rating.
  • Excellent client-care services.
  • Website:

Established in 1989, Sky Blue Credit is a well-reputed credit repair company offering services priced at $79 per month, which is inclusive of disputing up to 15 negative items on your credit report after every 35 days.

Additionally, Sky Blue Credit’s new clients receive expert credit consultation free of charge. There are no hidden charges if you do not avail of the company’s services.

Pros of Sky Blue Credit 

  • Free credit expert consultation.
  • A single package with a set price makes it less confusing for customers to decide. 
  • Couple’s discount (the second member has to pay half of the price).
  • Provides an honest overview of your credit history.
  • Affordable credit repair agency.

Cons of Sky Blue Credit 

  • Unimpressive and uninspiring web design.

Sky Blue Credit Repair has been prevalent in the industry for the past thirty years and is recognized as one of the most prestigious credit repair companies among the masses.   

3. The Credit Pros

  • Priced at $69 and $149 per month.
  • Benefits: You may cancel your service at any time.
  • A+ BBB Rating.
  • Outstanding client-care services.
  • Website:

Fairly new to the sector, The Credit Pros have been in the business for the past ten years. Depending on client needs, the packages offered by this company vary from $69 – $149 every month. 

You can conveniently cancel your subscription after having signed up for a plan with them. The company is adaptable to all varying customer needs and also offers a free consultation.

Benefits of The Credit Pros 

  • Easily accessible online portal for clients.
  • Quick signup procedure, which only takes 90 seconds.
  • Mobile app for clients to stay updated.
  • Expert credit consultation free of charge.
  • Online blogs are written by Jason M. Kaplan, Esq., president of The Credit Pros, which can be accessed for free. 

Drawbacks of The Credit Pros 

  • No detailed information regarding its services is available on the company’s website.

The Credit Pros offer budget-friendly diverse packages, which include Money Management and Prosperity plans to assist clients in meeting their financial goals.

4. Pyramid Credit Repair 

  • Priced at $99/month.
  • Benefits: 24/7 customer support and a custom-made strategy for individuals.
  • Prompt customer service.
  • Website:

Established in 2011 by two entrepreneurs, Pyramid Credit Repair is relatively new in the market but is considered one of the best companies for credit repair. Comprising 254 members, the Pyramid Credit team is committed to assisting clients in improving their financial standing.

A standard plan, priced at $99 monthly, is offered by the company. You will be connected to a personal dispute manager after registering for their services. Your credit report from the three major credit bureaus (Equifax, Experian, and TransUnion) will be assessed and analyzed to dispute any derogatory items from your report.

Pyramid Credit Repair Benefits

  • A big team to cater to client needs.
  • Friendly website interface.
  • Available 24/7.
  • Alerts and notifications during disputes.
  • Couples discount for the first month after subscribing to services.

Pyramid Credit Repair Drawback

  • No long-run discounted prices for couples.

This fairly new company had established itself in the credit repair market and has been widely recognized since 2011 when it came into existence. 

5. Lexington Law 

  • Packages valued at $89.95 per month up to $129.95 per month.
  • Benefits: Catering to over 500,000 clients.
  • ‘C’ BBB Rating.
  • Super customer service.
  •  Website:

A team of committed lawyers specializes in repairing clients’ credit at Lexington Law. The company’s customer support team is available to assist you 24/7 and has credit professionals placed across 21 states of the country

The firm offers three services plans for those on the look for basic, moderate, or aggressive credit restoration. The lowest package is priced at $89.5/month, and the highest priced one is available at $129.95 each month.

You may get access to additional services like Report Watch, personal financing tools, alerts, and protection against fraud from TransUnion based on the package chosen.

Lexington Law Advantages

  • Those on the lookout for different stages of repair can choose from the 3 available plans.
  • A highly-skilled and accomplished credit repair firm that can assist you in improving your credit score.
  • Multiple educational resources are available for clients.


Lexington Law Cons

  • The discount is only valid for the first month.

Lexington Law offers different credit restoration plans for clients with various needs, be it challenging credit bureaus or opting for a more aggressive restoration strategy; Lexington has the best packages for you.

Takeaway: Does Credit Repair Work? 

Repairing your credit score is easier with the help of the best credit repair companies we just reviewed instead of facing challenges alone.

Even though companies advertise how much erroneous data they have removed from credit reports, there is no guarantee or reliable stats to give evidence of the success of credit restoration agencies.

Offering easy to comprehend services paired with spectacular personal financing tools, Credit Saint can be considered the best option for credit repair services and for challenging derogatory marks in your credit report. 

Being a well-established law firm, Lexington Law is ranked a close second as its run by paralegals and lawyers.

If you’re still hesitant about where to begin, avail free expert consultation services offered by these companies. That being said, always opt for the company which is best suited to cater to your credit requirements. These credit repair companies are not without their individual strengths and weaknesses; hence, a credit restoration agency may work out well for one person and not for the other.

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