Best Credit Repair Companies for 2020

Find the best credit repair companies on the net by starting your search with the top-rated firms. Avoid the unreliable, fly-by-night companies.


Lexington Law
Rating 9.8
  • 20+ Years doing credit repair
  • No contracts, cancel at any time
  • Simple and straightforward process
  • Most popular company in the industry

Rating 9.5
  • Over 15+ years experience
  • Very well-known and respected
  • No long term commitments required
  • Offer a free credit repair consultation


Rating 9.3
  • Cancel whenever you choose
  • Individualized service with a pro
  • Helps identify serious credit problems
  • Very educational company


The Credit People
Rating 9.2
  • Operating since 2001
  • 24hr account login and access
  • Offers 60 day money back guarantee
  • Offers flat-rate fee for 6 month period


Credit Saint
Rating 9.2
  • In business 10+ years
  • BBB accredited business
  • 90-day money back guarantee
  • You can check progress online


Sky Blue
Rating 9.0
  • 90-day money back guarantee
  • Simple and straightforward pricing
  • No monthly contract, cancel anytime
  • Provides debt settlement consultation


Rating 8.8
  • Simple 3 step process
  • Have been operating since 2012
  • Offers a risk-free case assessment
  • Personal account manager assigned to you


Rating 8.8
  • Free credit consultation
  • 14+ years in credit repair
  • Pay-as-you-go with no contracts
  • 24/7 office hours/support


Rating 8.6
  • In business since 2004
  • Have been operating since 2012
  • Offers a free credit consultation
  • Manage everything online

Quick Review of the Best Credit Repair Companies

If you want to do credit repair right and avoid dealing with all those dubious companies that jump into this field every day, then you need to start your search with the top firms in the industry.

By starting your search with only the best credit repair companies, you’ll find the right company faster, and you’ll avoid the more unscrupulous operators that are out there.

Here’s a closer look at each company…

#1 Lexington Law

Without a doubt, Lexington Law is one of the more well-known and respected companies in the field of credit repair. And they are top rated by most other ratings and review sites.

Why? Because when your dealing with such a serious issue like credit repair, experience counts.

And nobody has more experience or knows credit repair better than Lexington Law.

They have been doing it for over 2 decades. That’s one of the reasons why they are the most recommended company in the industry.

Naturally, they are a great place to start your search for the best firm.

And they are our #1 recommendation.

One of the biggest risks with using a credit repair company is that you might choose a firm that takes your money and then doesn’t do any of the work.

Or they might disappear altogether.

With Lexington Law, you won’t have that worry. You won’t be taking a gamble with an unknown company. They are well-established and won’t vanish overnight.

But what about the results and performance of their services?

After all, a higher credit score is your main goal.

There is plenty of documented proof on their site about the positive results they have achieved for their clients. In fact, through the years, they claim to have removed over ten million negative items from their client’s credit reports, resulting in improved credit scores.

They help you rev up your credit score and accelerate your financial recovery by simply removing negative items from your credit reports. That is the main service they perform and it’s what will power up your credit.

If you are serious about fixing your credit score and feel compelled to hire a credit repair service, then you owe it to yourself to take a look at this recognized leader in the industry.

#2 is another one of the more well-established services and has shown that it can boost the credit scores of their clients. And they are a great way to avoid the dangerous mistake of choosing a fly-by-night company.

The service is designed for individuals looking to make meaningful changes as soon as possible. There is no drawn-out waiting period, nor do you have to beg for your reports. All of the information is easily accessible.

That’s part of what makes them a good choice for fixing your credit.

For anyone looking to improve their credit score without dealing with the usual pains associated with the process, this is a top-notch service.

It’s run by top-tier credit experts and the tools in their toolkit are impressive. You are able to get things started in minutes, not hours or days like other services.

After signing up, you’ll get professional service from a company with proven success.

In the end, the two things you will care about is whether or not they are legitimate, and whether they can really help power-up your credit score.

Month after month, year after year, this company demonstrates the ability to help their clients succeed in boosting their credit scores.

They are our second choice on this list.

#3 The Credit People

Choosing the wrong credit repair service can be hazardous to your financial health and well-being. It can actually make your situation worse.

That’s why you need a healthy choice of companies to choose from. And if the first two companies listed above don’t seem like a good fit for you, then TheCreditPeople might be what you’re looking for.

They are a company where people with poor credit scores can receive the help they need to increase their scores and improve their chances of getting approved for things like a mortgage loan, new and better credit cards, personal loans, or even apartments.

The main goal of the professionals who provide credit repair services at, is to get rid of any errors that are bringing a client’s score down while making sure questionable, negative items are removed from the report.

Removing errors from your report is a great way to improve your credit score. And it’s how The Credit People helps their clients. They are another company that can help you avoid many of the pitfalls associated with repairing credit.

You can check out what they have to offer without risking anything by simply getting a free consultation from them.

The Pros of Credit Repair Services

If you work with a reputable credit repair service, some of the benefits you may enjoy include:

  • 1. Verification of every entry on your credit report. Most credit repair services will begin by checking the validity of every entry on your credit report. If the agency finds an invalid entry, they will petition the creditor to have it removed. This can improve your score quickly.
  • 2. Expertise. Reputable credit repair services have the expertise necessary to understand why your credit score is low and what can be done to improve it. Instead of trying to figure out ways to raise your credit on your own, you can rely on the credit repair service to tell you what you should do.
  • 3. Quicker results. When you try to handle credit repair on your own, you may spend months or even years working with creditors to resolve issues and raise your score. However, a good credit repair service can often work more quickly, allowing you to raise your score faster.
  • 4. More effective negotiation. Because credit repair services can deal directly with your creditors and access all of the information they need to understand your financial situation, they can often negotiate with creditors more effectively. This often leads to a better deal for the client.

The Cons of Credit Repair Services

Now that you know what the benefits of these services are, here are some of the disadvantages of working with these companies:

  • 1. Lack of control. When you hire a credit repair services company to handle this part of your finances, you are no longer in control of the situation. They will give you instructions you may not want to follow, such as to work extra hours or to change your spending habits. They may also encourage you to settle debts for more than you want to pay.
  • 2. Extra expense. Credit repair companies typically charge a fee for their services. When you are already struggling with debt, adding this extra expense can be difficult. In some cases, this extra charge may even make it harder for you to get out of debt and repair your credit.
  • 3. Risk of scams. Not all credit repair services are reputable. Some of these companies operate scams in hopes of making a quick profit. If you end up working with one of these companies, you will be losing money without gaining any benefits. In some cases, your credit may even decline because of a credit repair scam, leaving you in a worse position than when you started.

Deciding on the Best Credit Repair Companies

Credit repair services aren’t right for everyone. However, if you proceed carefully, they can be beneficial in some cases. If you decide you want to work with a credit repair company, be sure to investigate the company thoroughly before you agree to anything.

Read reviews from past clients, look for complaints online and make sure you fully understand the services you will receive. It is also important to ask for details about the credit repair company’s expectations for you during the repair process.

Finally, make sure the credit repair company you choose charges a fair fee that you can afford without causing yourself further financial distress.

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