Top 5 Best Credit Repair Companies in 2023

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Contributor, Benzinga
May 22, 2023

In these times of fast living and millions of opportunities in front of us, we are often faced with money issues and unstable financial situations. We must admit that using credits can be the top solution for all our money-related problems.

If you’re about to have another credit on your way and satisfy your dreams and wishes, you must avoid the bad credit report on your credit account. You also may have various unsolved misunderstandings about some payments. You assuredly can’t solve these issues by yourself, so we recommend you to use professional help from the best credit repair companies in this financial field.

Credit repair companies will check your credit report and, with the help and advice from the three available bureaus will put you on the list of reliable and responsible credit users. When intending to choose wisely among the credit repair companies, we went through a selection process for you and made a list of the top five credit repair companies over the globe.

Top 5 Credit Repair Companies On The Market

  1. Sky Blue Credit - Most Reliable Site To Improve Your Credit Score
  2. The Credit People - Best Credit Repair Services For Credit Score Analysis
  3. Credit Saint - Overall Best Company To Repair Your Credit
  4. Lexington Law - Best Platform For Quick & Easy Credit Repair Process
  5. - Most Popular Platform For Debt Settlement

#1. Sky Blue Credit - Most Reliable Site To Improve Your Credit Score


Brand Overview

Sky Blue Credit has existed since 1989 and has over 32 years of experience in the business field, more than the other brands we have mentioned above. That makes this company knowledgeable and highly skillful in solving the most complicated issues of your credit reports.

It’s on the list of priorities, they put people first. Their purpose is to solve a particular problem on your credit report and set a positive experience in your life. Sky Blue Credit is a successful team of professionals who love their work, and they’re recognized as a genuinely effective and friendly organization.

If you plan to start a membership with this company, you have a straightforward approach by filling an online form and following the application’s instructions. You’ll get a free credit report and then decide whether to use the services or not.

They will move all the erroneous information from your credit list with the help of the credit bureaus. With this company, you can enjoy the services and pause the membership if you take a break. You should also know that they have a refund policy of 90 days if you‘re not satisfied.

Sky Blue Credit offers many features for your credit report restoration like faster disputes, professional analysis,  SOL research, debt validation, credit rebuilding, custom disputes, and credit assistance. This credit repair firm provides a free trial and a range of discounts for the second person included in the process. 

With Sky Blue Credit, you will have no hidden fees and costs, no upgrade charges, and you can cancel it every time you want. They are also specialized in mortgage preparation. We highly assure you that you can’t make a mistake while choosing this credit repair company.


  • Sky Blue Credit operates this company
  • It has a Public Safety and Legal Process
  • It has 32 years of experience as a credit repair company
  • Sky Blue Credit has a variety of features for solving your credit issues


  • Free 6-days trial
  • No commitment, hidden costs, and fees
  • Positively experienced clients
  • A company with enormous experience in doing this business
  • It offers a cheap membership from $79 per month
  • You can cancel anytime you wish
  • Perfect available customers support
  • Half price for a second person


  • The exact results are not guaranteed

What People Like About The Sky Blue Credit

The reason why it is more selective than other companies is that TSkySku Blue offers a mortgage preparation, and from this point helped all the lenders to move the barriers to have a clear credit report and make more mortgage contracts.

This alternative is just fantastic. The Sky Blue Credit’s webpage requires contact information so that you can be sure that the reviews are accurate. People liked the perfect customer service that is 27 hours available and truly honest with them: no lies, no commitments, no hidden fees, and costs. Selecting Sky Blue Credit is always a smart thing you can do.

=> Click here to visit the official website “Sky Blue Credit”

#2. The Credit People - Best Credit Repair Services For Credit Score Analysis

Brand Overview

We are honored to provide you with another one, highly rated on the list of the best credit repair companies. The Credit People is a recommended name among the credit repair alternatives over the USA. Its root comes from 2001 and effectively goes through the path of success until today.

It is good to know that they have a team of professionals who will work on your credit case, trained in the Fair Credit Reporting Act (FCRA). They have a solid platform for customer support, available and courteous from 8 am to 5 pm.

The primary purpose of The Credit People is to clean all the incorrect and unnecessary things on your credit report and simplify your way to earn a good credit name. For starting the membership with The Credit People, you will be provided with the opportunity to make a 7-days trial with only a price of $39.

With this credit repair firm, you can get free access to your online account and 24 hours active support like a valued client. You can also straightforwardly quit your subscription anytime you wish. No hard feelings- no commitments!

A beneficial fact to know is that this company offers an opportunity to subscribe for six months and pay only $419. But read carefully, because you can also have a 100% money-back guarantee if not satisfied with their services. Simple as that, this credit repair firm offers you brilliant ways to repair your credit report.

The Credit People works by cleaning several things from your credit reports, such as liens, identity errors, judgments, hostile settlements, late payments, closed accounts, and charge-offs. 

Before you sign up to your account, they will inform you about all they can or can’t do. With The Credit People repair company, you will not have any hidden charges or infos.


  • It is a USA company
  • It has more than fifteen years of experience in the field
  • They see the credit report and then improve the possible solutions
  • You can contact the customer service by phone call or email
  • It gives two membership opportunities


  • It has a discount when choosing a six-month membership
  • 24 hours accessible account
  • Top-rated customer service
  • Free credit reports on the list
  • It has score-driven results
  • The unbeatable satisfaction is guaranteed
  • FCRA certification
  • It has debt validation
  • This name offers creditor communication


  • Not so recommendable as a credit solution for people with bad credit background

What People Liked About The Credit People

Ratings can tell everything about a particular company. There’s no such thing as a pleasant client not to put a positive review or five-star rating on a website. According to people’s feedback for this American credit repair company, we concluded that The Credit People is a trusted name among the credit repair alternatives. 

Services of this firm helped thousands of people around America to solve the issues with their credit clearness. With over fifteen years of experience, the record speaks for itself. According to the website statistics, using this alternative will provide you with unbeatable and guaranteed satisfaction.

=> Click here to visit the official website “The Credit People”

#3. Credit Saint - Overall Best Company To Repair Your Credit


Brand Overview

When we decide to visit a credit repair company to have a clear credit profile, we want to ensure efficacy, reliability, and quality. Credit Saint repair company appears to be on the top of the list.

This company, based in Oakland, California, works more effectively than many other credit repair companies. Credit Saint has a good privacy policy, and they will encourage you to read their Privacy Statement and then make an informed decision.

It is a firm that has approved customer service and a 90-days refund policy. This company has over 15 years of experience in this field and helps clients improve their credit scores and solve their credit issues. Credit Saint offers a free consultation using records from three bureaus like Equifax, Experian, and TransUnion.

When you start using the services of this credit repair firm, the experts will allow you to go through your credit history, check any possible issues, and then offer a way to fix them all. Credit Saint will help you move all the unnecessary credit reports on your credit history like repossessions, late payments, theft identification, charge-offs, etc.

This credit repair company is recognizable for offering three packages to suit your needs: Credit Remodel, Credit Polish, and Clean Slate. These competitive packages offer you many challenges to the three credit bureaus. The prices for these packages vary from $79.99 to $119.99. 

Once you fix your credit issues this way, the company will not let you down. On the contrary, they will be behind your back and offer you multiple other opportunities to have a clear credit report.


  • The base of the company is in Oakland, California
  • It offers three ways to fix your credit issues
  • It is a mediator between the client, credit bureaus, and the creditors
  • The three available packages offer different aggressiveness levels for solving the most complicated issues in your credit profiles
  • The company has an informative profile on Facebook, Twitter, and Google
  • It is a BBB-accredited business


  • You can call the company and get a free credit evaluation
  • It is one of the best credit repair companies
  • It has the most positive feedback from the clients on the websites
  • It has 90 days refund policy
  • It offers high-privacy protection for clients
  • The client’s rights are under state and federal laws


  • The services are not available in all countries, for example, South Carolina

What People Like About Credit Saint

People knew that they could trust Credit Saint after the millions of verified five-star reviews on the websites. Clients like this company because of its offer of three packages, each with a reasonable price and fees. The satisfaction was more extensive when the company offered a free consultation over the credit repair deals.

Before making any decision, all clients like to have all the required information about the company’s offer and confidentiality. By using these services, they are sure they found what they were looking for.

=> Click here to visit the official website “Credit Saint”

#4. Lexington Law - Best Platform For Quick & Easy Credit Repair Process


Brand Overview

Lexington Law is the last one on the list of the best credit repair companies we have chosen for you. Its roots are since 2004, and a directing attorney-at-law leads this company. It is based in North Salt Lake in Utah but has an additional office in Tucson. 

It gives its services to people from Mexico to New Jersey and beyond. Lexington Law offers good credit repair services and other opportunities like personal finance tools and identity protection.

Lexington Law offers many opportunities to solve your credit report-related issues and works with the credit bureaus on your behalf with a will to solve all the possible problems. After verifying your credit information, they will work with your creditors to solve the simple mistakes and incomplete info.

They work with the three big names Equifax, Experian, and TransUnion. Once they clean your credit report, you can expect they can improve your credit score as well. Lexington Law is following a legitimate process and serves as an eraser of your credit imperfections.

Lexington Law is a trusted credit repair brand that can help you solve these kinds of issues: bankruptcies, foreclosures, repossessions, late payments, collections, judgments, and charge-offs. 

This company provides you three different services and prices like Concord Standard, Concord Premier, and Premier Plus. The pricing for all these options varies from $89.85 to $129.95 per one month of membership.


  • The company base is in North Salt Lake, Utah
  • Its roots are since 2004
  • It has 17 years of experience with credit repairs
  • It has plenty of options for repairing a credit account
  • It is a legitimate company


  • The customer service is of good quality
  • It has an experienced team of professionals
  • You will have personalized counseling
  • The company provides extensive educational resources
  • It takes a short time to improve your credit report
  • It is a credit repair company that utilizes digital partnerships for having a faster outcome
  • It is recognizable for quick actions
  • The company provides free consultation for all clients


  • The extra credit report may cost more

What People Liked About Lexington Law

There are many things that a company should consider when asking for positive feedback from clients. That may be the conditions they offer, the number of opportunities, the accessible price compared to other companies, friendly and accessible customer service and support, and many others. 

In this case, we must admit that people rated this credit repair name as highly as possible. They are delighted with the extraordinary service and technical support and the low prices of the services.

Using their services, you will have all the required conditions and achieve your final goal - a clear credit report. Our advice is not to lose time anymore and take the next step of improving your credit status by having Lexington Law by your side.

=> Click here to visit the official website “Lexington Law”


Brand Overview is a proven credit repair company established in 1997. This company helps people over the USA solve their credit problems and get a clear credit report in the future. It has a tremendous experience in doing that for over 24 years.

This company starts to work by offering you a free consultation and credit status overview. They first evaluate your credit situation and then give you many recommendations on possible ways of solving the issues. They can help you to face the credit challenges in three simple steps. 

First, they pull the credit records from the three bureaus. Second, they will allow you to go to your credit report and find what’s wrong with it, and third, they will tell you further instructions and possible ways to solve a particular problem. Easy as that!

This company challenges all the harmful and inaccurate information on your credit report and is very suitable for judgments, outdated additions and charge-offs, repossessions, bankruptcy, late payments, and collections. offers three different packages with contrasting prices and conditions, like direct, standard, and advanced. The sum of these alternatives varies from $4.95 up to $119.95. 

We must say that it’s a pretty good opportunity for you to pick one of the packages and make your credit report clear as you always wanted. However, we should also inform you that does not offer a money-back guarantee but has plenty of other advantages like free access to your credit report summary and 24 hours free access to the online account you will have.


  • It is an American credit repair company
  • It has over 24 years of experience in this field
  • It has helped millions of people around the USA
  • The firm offers a variety of opportunities to solve credit issues
  • It provides three ways to fix the negatives on your credit report


  • Free consultation available
  • It gives free access to your online account
  • It allows you free access to your credit report
  • It has millions of pleased clients
  • has available mobile applications for two operative systems, Android, and iOS
  • It has a straightforward website
  • The company offers a comprehensive educational section
  • It has a solid record of results on the official website


  • There are no available links to a third-party evaluation

What People Like About

We can say that usually, people over these credit repair companies love the long experience. That may prove quality, effectiveness, and dedication. The established terms of privacy when using this option are always a plus. In this case, according to people’s feedback, the mentioned company has the required advantages to stay on the list of the best credit repair companies.

There are many appreciated features about from thousands of clients who already used the services of this company.

Firstly, this company is likable because it offers an article library with many articles containing information about credit improvement.

Secondly, people liked the straightforward 3-step process with check, challenge, and change steps. In general, they gave their 5-star reviews on the websites and a high dose of recommendations among people over the USA.

=> Click here to visit the official website “

What Do Credit Repair Companies Do?

Credit repair companies can pull the credit from the three bureaus and hire a credit expert to go through it in detail to tell what they can do with your credit status. The professional team detects mistakes in the payment history and finds a way to erase them all.

These companies can dispute inaccurate information on your credit report that can lower your credit score on your behalf. They communicate on your behalf as well to the bureaus, financial institutions, or debt collectors.

A good credit repair company should provide you with details for the contract and services, terms and conditions for payment, additional fees, and the duration of taking the results. However, we must say that using the services of this kind of company will improve the status of your credit report for sure.

Credit Repair Process Explained

If you're working with a credit restoration company for the first time, you may not know what to expect. Here are some important considerations.

How Do Credit Repair Companies Work?

Ultimately, we can say the credit repair companies communicate on your behalf with all bureaus or the companies that reported the credit information of your account to that bureaus. The intent here is to make those bureaus erase the credit information more favorable to the client.

The process of communication to credit repair companies can be conducted via the internet or phone call. The U.S. mail could also be an opportunity, and we must say that the U.S. mail was the most-used historical method preferred by credit repair companies. Using these credit repair companies, you can improve your credit report and have a better future as a credit user.

Credit Repair Costs

The pricing is different for every credit repair company. It is also essential to know that the prices vary depending on its features and conditions. Subscriptions for credit repair are usually from $50 to $100 per one month. You must also be aware that you may find outliers on the market.

The credit repair companies usually charge in one of the possible two ways, depending on the chosen credit repair alternative. Some companies offer a known pay-per-delete model with over $50 to $150 per one month. You might need to pay a startup fee with a sum similar to a full-month membership.

It is a good known fact that most credit repair companies find a way out to have you as a several-month member. Some companies might limit the number of deletes and force you not to leave your subscription. Others provide you with credit score updates, and for that action, it may take several months. You can be sure that they will advise you to sign out, which can be a brilliant decision instead of paying over and over for a new membership.

The federal law prohibits credit repair companies from charging you upfront fees or making unrealistic promises. They have to do the promised work before billing you.

Before choosing a service from a credit repair company, a good thing to know is to avoid unnecessary payments. You should pay only for the services that you need. You have to choose it wisely.

How Long Can It Take To Repair My Credit?

There is no predicted time for repairing your credit reports. Some companies will take a short time, some longer, depending on the type of negative information on your credit account, previous credit ratings, and all the negative marks of that report.

It will take the companies a shorter time to fix issues like late payments than foreclosure or bankruptcy. When a credit repair company sends a report to the bureaus, they have a period of one month to answer the dispute. If any conflicts are involved in this process, you can be sure that it will take longer than usual.

All negative information on your credit report may take different times to vanish. Let’s say, for example, hard inquiries can take up to 2 years, late payments and foreclosures to 7 years, and bankruptcies up to 10 years.

Factors To Consider Before Choosing Credit Repair Companies

You'll want to evaluate credit counseling agencies beforehand to select the right fit.

Track Record And Experience

When choosing one of the best credit repair companies, it is crucial to avoid names without previous experience in this field. It’s advisable to choose a credit repair firm with a successful track record. When you seek your money’s protection, you should select a trustworthy company. Before deciding which one you will collaborate with, we strongly advise you to choose a company with tremendous experience and many positive reviews from the clients.

Another thing you should do is to avoid companies with fraud experience. Ensure yourself for the reputation of the company before hiring it. Although this may take you a lot of time, it prevents you from unwanted incidents. In general, we can say that reputable credit repair companies have a proven track record of offering their clients the best results.


We are sure that you want to hire a credit repair company that offers clarity every step of the way. Your firm must be willing to provide you with a clear written contract. In that way, the membership will last more than usual.

Before hiring a credit repair company, an important fact you should always consider is to ensure that they come up with a clear written contract. Also, ensure you read the agreement very carefully before paying membership.

You should try to understand everything you read in the contract and assure yourself that there are no hidden costs or fees. Ask for all of the information needed for collaboration before signing the contract. Always try to understand your legal rights and inform yourself of the consequences of making a possible lousy choice.

Company’s Reputation

Many credit repair companies build up a good experience and name for themselves over the years they’ve been in practice. Plenty of these companies have been around with more than ten years of expertise. Their teams consist of professionals, and it’s excellent in giving a piece of legal advice.

We must say that another thing for approving the company’s legitimacy is to be accredited by the Better Business Bureau (BBB). Also, we recommend you choose these companies and not forget about people’s feedback and reviews.

Online Reviews

Another significant thing to consider before choosing the best credit repair company is the online review and feedback from the clients. You can’t imagine that a satisfied customer will not put a five-star review on a website or give a positive comment about a particular company.

Online reviews are crucial, and almost every time, they give you all the accurate information over the credit repair company. Before choosing a particular firm that may fit your needs, you should keep in mind checking the experience among the previous clients. When you read many positive critics, you can be pretty sure that that company will provide you with the best credit repair services.

Free Consultation

Out there on the financial market, you can find many credit repair companies that will go only after your money, providing you with poor customer service and consultation with previously made payments.

Every firm must have a team of professionals providing you with all the required information before starting a membership for credit repair. Also, the consultation should be free and without any hidden costs afterward.

Refund Policy

Scam companies will only go after your money. The reputable credit repair firms will prioritize the repairing of your credit first.

The trustworthy companies will try to provide you with the best results from their work, but if not, they will offer you a chance for a money-back guarantee or a full refund option. Before choosing a reliable credit repair company, ensure that the company has these options. In that way, you will know that you’re in the right hands.

Realistic Expectations

When you notice that you’re in a situation when your credit score is low, you may feel scared and desperate.

Many scam firms might take advantage of your fear and promise you things that will not happen in the future. That’s why it is important to you to understand what a legitimate company means and what an honest company offers. The best credit repair company should provide you with realistic and attainable results.

Customer Care

For each company, customer service should be at the top of the list. They must have a courteous and available service if they want satisfied clients. The customer service must provide the clients with all the information and instructions that lead to membership start and keeping the positive path in creating good credit repairs.

Having quality customer service is an indicator that the firm values its customers. You should always check whether they have a team of professionals with a significant amount of knowledge.

Credit Monitoring

A reputable credit repair company should offer credit monitoring. That means the firm will track the credit report and provide you the information whenever something goes wrong. For a moment, you will be informed if there is suspicious behavior, possible fraud, or unexpected changes to the score. Having this option, you will always inform yourself of the changes made to your credit account.

Self Education

While choosing a credit repair company, self-education is one of the most significant factors you should keep in mind. To better understand the purpose of these companies and why you need them, you must have previous information on how this process works. A good company offers a team of professionals providing you with all the necessary knowledge over these issues.

How To Avoid Credit Repair Scams

There are some available ways to check whether a company is a scam. You always have the opportunity to scan them by asking your friends and relatives about their previous experiences and feedback. Another way is to detect before you even start hiring them. Some several things can lead you to figure out if you are maybe dealing with a scam company:

  • They ask for paying the services upfront
  • They ask to dispute your accurate information from the credit report
  • The company ask you to give false information for accessing a credit facility
  • A company that will not inform you about your legal rights
  • A company that is not offering a refund policy
  • A company that not provides a written contract
  • It can be a company that works only online
  • It can be a company that has the most negative reviews on the official websites

Conclusion: Build Your Credit Score With The Best Credit Repair Companies

Having a reputation as a responsible credit user is always a plus when asking for new credit. No bank will ever provide you with cash if you’re on the list of lousy credit users or suffer from a low credit score. The solution for this issue is using the services from a credit repair company, as we concluded.

Frequently Asked Questions


How Do Credit Repair Companies Get Items Removed?


Getting the negative items removed by your credit report it’s not an easy job. Still, the companies can do it in a few ways, such as: negotiating to pay for deletion with creditors, writing goodwill letters, and writing cease letters to debt collectors.


What Should Credit Repair Companies Not Do?

When using the services of a credit repair company, you can’t expect them to ask you to dispute the accurate negative information on the credit report unless the data is not verified. These companies also can’t delete the negative information on your account.
According to laws, some companies can ask you to change your identity by changing your social security number, but this appears to be an illegal act. Credit repair companies should not collaborate with you unless they are not sure that your credit score will improve using its services.

How Can I Repair My Credit By My Own?

Start by requesting a free copy of your credit report from the three credit bureaus. You can review the pages and notice if there are any errors. Then you can write a dispute letter to each credit bureau for any credit mistake you will find.
Afterward, you have to wait for a response to know their decision. Having these steps done, you can check after a month or two to see whether your credit score has improved.
However, our advice over the issues related to credit repairs is to hire one of the best credit repair companies and give your credit status to a team of professionals. You will have more positive results in a shorter time than doing it by yourself.