Discover the best credit repair services to help you remove inaccurate information from your credit report, improve your score, and secure better loan terms. Find the top agency for your needs today.
With approximately one in four consumers facing errors on their credit reports, the role of professional credit repair services becomes crucial. These services specialize in identifying and disputing inaccuracies with creditors and collection agencies, potentially improving your credit score and enhancing your ability to secure loans at competitive rates.
This guide aims to compare and highlight the best credit repair companies, focusing on their features, effectiveness, and customer satisfaction to help you choose the right agency for your credit repair journey.
READ MORE: See the best credit monitoring services here.
READ MORE: Click here for six surefire ways to improve your credit.
How Credit Repair Services Work
Most credit repair services will pull your credit report, analyze it, look for mistakes and work to correct any errors they find. Sure, you can do it yourself, but hiring a pro saves you the time and the headache. These agencies will negotiate with creditors on your behalf, submit forms and more.
How To Compare Credit Repair Services
When you work with a credit repair agency, you’ll give them access to your personal information. That’s why it’s important to do your research thoroughly. Here’s what you should consider:
Credit Repair Services
What exactly does the credit repair company offer? In general, they should provide the following:
- Pull your credit reports from all 3 bureaus
- Review your credit reports
- Identify negative items
- Dispute negative items
- Offer educational materials on how credit reporting works
- Set up a plan to build positive credit
- Provide monthly updates
Pricing
Most credit repair companies will charge a monthly fee, as well as an initial processing fee. Look for agencies with a free consultation to see if they can help you before you have to pay anything. You might also want to choose a company that offers a money-back guarantee.
Written Contract
All credit repair firms are required to provide you with a written contract which clearly outlines their services and pricing. Some will require a minimum commitment, while others work on a monthly basis. We prefer the latter because you can quit the service at any time without having to pay a penalty fee.
Customer Reviews
You can tell a lot about a company by reading their customer reviews. Check the Better Business Bureau (BBB) and TrustPilot.
Customer Support
How easy is it to reach the company’s customer support team? Can you access them by email, phone and live chat? Make sure to check their hours of service and estimated response time as well.
Best Credit Repair Services
Ready for it? Here’s our list of the best credit repair services this year.
| CreditRepair.com | Best overall |
| Lexington Law | Best personalized service |
| SuperMoney | Best for comparing |
| Self.inc | Best for credit builder loans |
CreditRepair.com – Best Overall
A CreditRepair.com membership gets you:
- A personal dashboard online
- Dedicated member advisors
- Monthly credit score analysis
- Identity theft insurance
- Updated credit scores every 90 days
- Mobile app and customizable text alerts
| Monthly Fee | $99.95 |
| Initial Fee | $14.99 |
| Money-Back Guarantee | None |
| Trustpilot Rating | 4.4/5 |
| Details | Free consultation Flat-fee pricing Dedicated member advisors Identity theft insurance Credit education resources |
Lexington Law – Best Personalized Service
Every Lexington Law customer gets an account representative, usually a paralegal, who will work with you throughout your credit repair journey. You’ll have a familiar voice to discuss the details of your case and your financial life, and a personal advisor who knows the ins and outs of your credit situation. Lexington Law also offers free consultation, a give 50% off, get 50% off referral program, expanded customer service hours and helpful resources.
| Monthly Fee | Starts at $89.85/month |
| Initial Fee | None |
| Money-Back Guarantee | None |
| Trustpilot Rating | 4.3/5 |
| Details | Free consultation Referral program Expanded customer service hours Helpful educational resources |
SuperMoney – Best For Comparing
SuperMoney is an aggregator site that lets you compare multiple financial products and companies – including credit repair agencies – in one place. Utilizing a proprietary, weighted, sorting algorithm, the comparison service takes a look at various important details, such as customer reviews, if there’s a money-back guarantee, monthly fee, initial processing fee and more, to rank credit repair firms.
| Monthly Fee | None |
| Initial Fee | None |
| Money-Back Guarantee | None |
| Trustpilot Rating | 4.9/5 |
| Details | Ranks credit repair agencies |
Self.inc – Best For Credit Builder Loans
Self.inc provides credit builder loans to help improve your credit score, without any money upfront. A hard credit pull is not required, and it comes with complimentary credit score monitoring. Plus, get a $10 cash bonus for every person you refer.
| Trustpilot Rating | 3.1/5 |
| Details | No hard credit pull No deposit required Free credit score monitoring $10 referrals |
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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