The 5 Best Credit Repair Companies of 2019

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This article has been reviewed and deemed factual by our content auditor with 8 years of banking experience.

Article Approved By Banking Expert

This article has been reviewed and deemed factual by our content auditor with 8 years of banking experience.

It’s as if every credit repair company is one of “the best credit repair companies” today.

But, like all things, some are better than others. And, in the case of the credit repair industry, most are outright worthless. Why?

Because scammers prey upon the desperation that often characterizes someone who needs credit repair.

Furthermore, credit repair is often an urgent need done on the eve of major changes.

And, due to the urgent nature of credit repair, most fail to perform proper due diligence before making a choice.

That’s why we wrote this guide. You can take a deep breath, because as far as reputable credit repair goes, you’re in good hands here.

No matter which of these credit repair companies you choose, rest assured each has a track record of delivering on all counts.

But, before we get to the list of the best credit repair companies, some background.

How Does Credit Repair Work?

The short version is, if you have negative items from lenders, credit repair services will contest them. And, as per the Fair Credit Reporting Act, credit bureaus only have 30 days to verify it.

Credit bureaus have 30 days to correct, delete, or verify info.

If they can’t verify it, the items must be removed from your report. And, at a fundamental, every credit repair company must do this well. However, each of the companies herein have several years of experience. And with that experience comes a vast array of additional benefits:

  • Get your FICO score via credit report
  • Help finding and disputing any red flags
  • Fix bad credit, up your credit score
  • Help negotiate with credit bureaus
  • Credit reporting, evaluate credit history
  • Guide you on paying credit card balances
  • Credit monitoring, monitoring for identity theft
  • Check for new credit, monitor interest rates
  • Remove late payments and charge-offs

Some offer unlimited disputes and dispute letters.

Others even have a mobile app for you to see the negative information removed, as it happens. All for a reasonable monthly fee. (Note: some do charge one-time fees at the outset).

The FTC is behind the Credit Repair Organizations Act

Well, reasonable is relative. Our thoughts? If it means getting a strong grip on your personal finance life, no price is too high. Because it’s hard to quantify the value of working through the credit repair process and getting in good standing with the credit reporting agencies.

You’ll feel like you climbed Everest afterward. Trust me. So, if you’re ready to beat back the debt collectors, clean up your credit report, and open the gates to 700+ major credit, keep reading.

Want to check out your credit before signing up for a credit repair service? Get a free credit report: offers a 100% free credit report.

So, regardless of your credit situation, whether it’s no credit, poor credit (or not even your own credit), you’ll benefit from our guide. The reporting bureaus can help. But not like these companies can.

Onto the list of the best credit repair companies of 2019:

1. Sky Blue Credit Repair

best credit repair companies

If you’re in urgent need of raising your score, go with Sky Blue.

The most important aspect of any credit repair service is their track record. Without that, they have no credibility. And Sky Blue checks that box and them some. Many companies prey on unsuspecting clients by sneaking in hidden fees. Sky Blue is upfront and transparent.

You will always know what you’re being charged for. Details for their most popular plan are:

  • Sky Blue charges $79 per each month services are rendered.
  • This flat rate also includes free credit scores, report monitoring.
  • The firm will dispute up to 15 inquires every 35 days.

This ensures that you aren’t with the company for any longer than you need to. Plus, they offer a 90-day money back guarantee.  Not only does this provide a safety net for you, but also gives them the incentive to improve your standing as soon as possible. During the initial consultation, they will even notify customers that their credit isn’t bad enough to warrant professional help.

This is an awesome gesture that shows they value their reputation more than making a quick buck.Plus, they call each client to let them no they will no longer be charged once they have finished their work. While you wait for them to work their magic, grab some of the best investing books to up your financial IQ. Either that or get your hustle on, and see how to make money fast.

This is miles above the credit repair scams that hope users forget to cancel their subscription (so they can keep your money).

2. Lexington Law

best credit repair companies

Lexington Law is a great runner up. It’s one of the best credit repair companies to choose from, without question. What’s unique about Lexington Law is that they also serve as a law firm.

This means the company is equipped with a team of paralegals that can help with any disputes found in your report.They have over a decade’s worth of experience in getting great results for their clients.

But, being a law firm, the cost is slightly more than your average credit repair agency.

There are 3 packages to choose from that are billed monthly:

  • The Basic plan costs $89.95 (and will suffice for most credit repair cases).
  • The Mid-Range plan is $109.95 per month
  • The Premier Plus option is $129.95 (and even includes cease and desist letters).

These can be useful for specific cases, but many customers will be perfectly fine with the base plan.

That said, the middle range option is most frequently purchased by their clients.One great thing about Lexington Law is their suite of educational information and resources that they allow clients to access.

These include topics such as credit repair, maintaining your score during challenging life events, and how to remove negative items from your credit report.

This is a solid value for those who want to empower themselves and not run into more credit trouble down the line. Considering how many agencies don’t offer any long term tips, this can be a wise investment when looking at the long term.


best credit repair companies is our third choice for the best credit repair company. They also have quite the track record when it comes to clearing out reports and helping people get back on track.

They offer a simple to follow 3 step process that makes it easy to repair credit as quickly as possible. The Check, Challenge, Change process has worked for many people and makes it quite simple to get started today.

Their plans are $99.95 a month. However, they charge an additional $14.99 for the first time the credit report is pulled. Since your report must be pulled, it is more accurate to say the cost is $114.95 for the first month.

While this is a tad sneaky, the website does a good job of making it easy to strengthen your credit over time. They offer deep analysis and score trackers that allow you to see your progress unfold.

They boast that the average user raises their score by 40 points within the first 4 months of service.

Depending on your current standing, this can be a huge boon or simply not good enough. It is vital to check your score to see how far away the next level is before deciding to go with the company. If all you need is 40 points, then this will be one of the easiest ways to get them.

4. The Credit People

best credit repair companies

The Credit People is a great service to check out when you just want to test out one of these credit repair companies to see what they can do for you. They offer a 7-day trial that only costs $19. This is a great option to test them out that costs less than a trip to the movies. If you’re on the fence, do it. Because it’s hard to put a price on getting good credit, and $19 is a hell of a deal.

From there, they offer a $79 a month plan or you can opt for an upfront $419 plan that includes the entire time you are with the service. Because the average customer uses the service for about 6-7 months until their credit has been sufficiently raised, the upfront plan will save you money.

That said, the flexibility of the monthly plan may be worth the extra money over time to some people. One great thing about the credit people is that they offer a 60-day money back guarantee. Much like with Sky Blue, this incentivizes them to noticeably improve your score in the quickest amount of time possible.

This is also great protection for anyone who opts for the upfront plan and decides they aren’t getting quality service. The credit people say from the start that it takes a bit of time in order to really elevate a credit score.

This is a quite refreshing show of honestly compared to the numerous scams out there that claim they can fix your whole report overnight.

Unfortunately, the credit people don’t assign individual advisors for each case. This makes it harder to get to know anyone personally at the company. While this may make some people weary, they do have a proven track record of over 15 years in the industry.

While some don’t care who helps them as long as their credit improves, other clients will crave the personal touch that is offered by many other companies on this list.

5. Ovation Credit Repair

One of the best credit repair companies around, Ovation by Lending Tree offer top-tier service. Just with a hefty price tag.

Ovation has two recurring plans to choose from (and each has a hidden, upfront cost to boot).

  • The $69 a month essentials plan comes with a personal case advisor for credit counseling, access to the dispute center, and live updates to their credit profile.
  • The Essentials Plus plan is $99 a month and features unlimited goodwill letters and even a personal letter of recommendation for when trying to get loans
  • The downside is that each of these plans has a $114 first work fee.

This makes it by far the most expensive option to try on this list.

But, if money isn’t a concern, the sheer level of service you get is well worth it. Not only will they remove negative items from your report and improve your score, but the personal advisor will educate you every step of the way.

This is a great resource for anyone who wants to learn how to never have credit issues again. The advisor will walk you through step by step how to repair and maintain your credit on your own. If you are even remotely interested, you can receive a free consultation to see if the program is right for you.

Ovation also offers a monthly satisfaction guarantee. This means that if the particular set of goals isn’t reached each month, the customer can request a refund for that given month.

This is a feature unique to this company that shouldn’t be overlooked. It gives the client complete control over how much benefit they receive from the program each month. Plus, it gives realistic expectations for how far a report should progress during each 30 day period.

Brian Roberts

Brian Roberts

Editor at CarefulCents
Featured in The Washington Post and published in Entrepreneur, Forbes, Business Insider, Time, Inc., CNBC and others.