6 Best Credit Repair Companies of 2022

When I get asked about repairing bad credit, the question comes from different kinds of people. Mistakes in your credit report can happen to just about anyone, whether you are wealthy, well off, or living paycheck to paycheck. So, I decided to draw up a list of the best credit repair companies of 2022. 

  • Credit Saint
  • Lexington Law
  • CreditRepair.com
  • Sky Blue Credit
  • The Credit Pros
  • The Credit People

Each of these platforms aims to do the same thing, repair your credit. However, some are best suited to certain individuals, so we want to go in-depth into what the services offer so that you can make a great decision. Look, I understand that fixing your credit can be an difficult process but don’t let it be. See, it happens to a lot of people. My advice is to read through this article to make the process as easy as possible for you.

What's Ahead...

Credit Saint: Best overall

Credit saint does not just offer a wide variety of services. After a consultation with one of their specialists, they will analyze your situation by going through your history, speaking to you, and then concluding. Once they have reached this conclusion, they will tailor their services to your needs to produce the best outcome. 

The base services they offer come with a 90-day money-back guarantee if you do not see any results. If you find this whole process intimidating, their specialists will guide you to the package that is correct for you once you tell them what your goals are. These three base packages are:

  • Polish
  • Remodel
  • Clean Slate

Out of 200+ trusted user reviews, they have an overall rating of 4.8 stars out of 5. To further break that statistic down, 88% are five stars, and 9% are four-star reviews, which is outstanding for any company to achieve. It is especially good when you consider that they have been operating for 17 years. Also, on the very few bad reviews that they have, the company does respond, asking the client to reach out to solve any problems.

Credit Saint Pros and Cons
✔ Very positive review score✖ Website could use a touch up
✔ Tailored services
✔ 90-day money-back guarantee
✔ Aggressive plan available

Lexington Law: Most experienced company

Lexington law has been operating since 2004. While that seems great, it is not the only reason we have put them down as the most experienced credit repair company. See, often, when dealing with these types of companies, you can’t be sure of what qualifications your specific consultant has. With Lexington Law, most of their consultants have a law degree.

Their approach to repairing your credit score is by using advanced methods that reach far beyond challenging any disputes on your score. Depending on what service you choose, they will also deal with credit interventions, inquiry assists, score analysis, and much more. 

The most Premium service offers identity theft protection which is a nice touch Lexington Law services include:

  • Concord Standard
  • Concord Premier
  • Premier Plus

One of the best things about Lexington is the free consultation and the fact that they have no contract. So, if you are a little bit hesitant about spending money, the free consultation might be the thing that you need to get everything started.

Lexington Law Credit Repair 
✔ Very positive review score✖ Results seem to take long
✔ Qualified Lawyers✖ After-sales service is hard to reach
✔ Free consultation
✔ Easy to navigate platform

CreditRepair.com: Best for free score analysis

Creditrepair.com will come up for many people when they search for anything related to repairing their credit. I think it’s in the name. Yep, they must have paid a lot of money for their domain name. Anyway, I digress. Let’s look at why creditrepair.com is the best, especially when it comes to analyzing your credit score.

The Professionals over creditrepair.com are some of the best in the business. They have their own techniques when it comes to analysis. The analysis means that they can tailor a service to your needs. However, they also give you everything you need to analyze your own score by providing useful and in-depth education regarding your credit and reading it. 

Creditrepair.com has a mobile app that you can use to access your dashboard when you are not around your computer. This means you have 24-hour access to your account.

While speaking to one of the consultants during our customer service test, I felt that the agent was friendly and welcoming. They explained everything in detail, and to put it into perspective, I went in with almost every question that should be asked, and they were able to answer it with no hesitation.

CreditRepair.com Pros and Cons
✔ Unrivalled analysis✖ Slower turn around time
✔ Great educational materials
✔ Mobile app
✔ Feature-rich website

Sky Blue Credit: Best value

Good value is something that can be underestimated. However, most successful companies understand the importance of offering good value to their clients. Sky Blue Credit ticks all the right boxes when it comes to good service at an affordable price. 

Amongst their long list of services, they have something called custom disputes. By far, one of the most important services that a credit repair service should offer is custom disputes. It means that they have someone who knows your situation and is taking their time to come up with the best way of getting a successful result when making a dispute.

Another service that Sky Blue Credit offers is credit rebuilding. Look, it is one thing to win disputes on your credit score, but having the guidance of a professional can be immensely helpful for your future plans.

You can sign up for Sky Blue Credit for free. However, you won’t get proper assistance until you sign up for a paid membership. If you do sign up for a paid service, there is a six-day period where you do not get charged, and you can cancel before the period is up; if you are not happy. At the same time, they also offer a 90-day money-back guarantee.

Sky Blue Credit Pros and Cons
✔ Custom disputes✖ Not the most effective (on this list)
✔ Credit rebuilding
✔ Six-day no charge period
✔ Mobile app

The Credit Pros: Fastest credit repair

Look, I am not that guy who is going to make empty promises. To fix your credit score is not a quick process. However, for some of the fastest results compared to most other services, the Credit Pros are by far the best.

Credit Pros also have the best dashboard with an easy-to-use mobile app. I do understand that for some people, no matter how user-friendly the service is, sometimes it can be not easy to know how to read your credit report. That is where the educational material that the Credit Pros offer is helpful.

The Credit Pros have four packages. However, as with most companies, they offer a few tailored services, depending on your consultation. For now, let’s take a look at these four basic services.

  • Credit Sentry Monitoring
  • Money Management
  • Prosperity Package
  • Success Package
Credit Pros, Pros and Cons
✔ Fico registered professionals✖ Not available in all states (Check yours)
✔ Qualified lawyers
✔ Variety of packages
✔ 24-hour access to consultants

The Credit People: The best guarantee

With so many services offering a 6-day cancellation window and a 90-day money-back guarantee, it might be hard to beat those offers. That said, Credit People offers you a 6-month satisfaction guarantee, and from what we can tell, most of the clients are happy with the services offered and the results they get when using Credit People.

Once they have given you a free consultation, your consultant will work toward seeing what can be disputed on your credit score. It does not end there. Credit People Will actively look for ways to increase your score. This proactive method is refreshing in a time where many companies try and do only the bare minimum.

Assessing reviews for this company, their customers are certainly happy as they have a 4.4-star rating out of 5, and that is out of 317 reviews. When they receive a negative review, they reach out to the unhappy client with a personalized response which is a positive sign, at least in my experience.

Credit People Pros and Cons
✔ Very positive review score✖ Not available in all states (Check yours)
✔ Free consultation✖ After-sales support can be hard to reach
✔ 6-month money-back guarantee
✔ Proactive approach

How Do We Assess Credit Repair Services?

For full transparency, we want to break down how we assess these services and rate them. Well, it is important to note that we did not only do these six companies. I spent a lot of time reviewing as many companies and services as I could. Yes, it does get tedious, but at the end of the day, it helps us help you, and that is our main goal.

Our first goal is to see what are the best credit repair companies offering. We have a 5 step program to gather as much information as possible and then conclude. These five steps are as follows:

  1. Check reviews: We start by checking the review scores across different platforms. We then read through as many negative reviews as we can and see how the company responds and whether they respond at all. 
  2. Look at what services they offer: Most credit repair companies try to offer the same services. However, the most important one we look for is tailored services because this makes your experience more personal and feels less like you are talking to a robot.
  3. The value: We don’t simply look at the cost of a service because the value is more important. For example, if a service charges an extra $20 per month but offers many more services, that does not necessarily mean they are more expensive. It might mean it’s better value.
  4. User-friendliness: User-friendliness refers to their website and mobile app. For a lot of this, we rely on existing clients and other sources for membership portals that are locked behind paywalls.
  5. Customer support: This is not something that I advise everyone to do, but we like to phone each company and pretend to be prospective clients. I have a list of questions that I like to ask to see how knowledgeable the consultant is. I judge their friendliness and professionalism, but most importantly, I judge their transparency. It helps that I go into that call with all the information that I need. 

Once we have analyzed as many companies as we can, we compare them with each other. Many companies fail before they get to this step. While comparing companies, we try and see which is best for what.

Which Credit Repair Company is Best for You?

Now that you have all the information you need on the six best credit repair companies, you might be wondering what are the best credit repair companies for you? We need to ask two crucial questions first:

  • What are the best credit repair companies online?
  • What are the best credit repair companies in the nation?

Only two questions? Yes. When you first set out to find a credit repair company, you want to find one that suits your personal needs. Once you figure that out, you can research which one suits your credit score needs by speaking with various companies.

What Are the Best Credit Companies In the Nation? 

I recommend either using Credit Saint or Lexington Law. However, before you use any credit repair company, you need to check whether or not they work in your state. If not, you might end up wasting some time on the phone only to find out that they are not available where you live.

For the most part, these two companies are widely available.

What are the best credit repair companies online?

Most of us don’t have time to leave work and sit at credit repair offices. So, most things need to get done online, and my choice for the two companies you should use for full online services are:

  • CreditRepair.com
  • Sky Blue Credit

A crucial aspect of the online service is a mobile app that is easy to use and gives you all the information you need whenever you need it. 

Do Credit Repair Services Work?

You have a significantly higher chance of seeing improvements in your credit score when you hire A reputable and experienced credit repair service. Some of the legal paperwork that comes with dealing with disputes and inquiries can be complicated for most people.

Also, the time it takes to repair your credit can become exhausting, especially when you factor in your professional and personal life. Look, it is better to have someone else do it for you, trust me.

6 Questions You Should Ask a Credit Repair Service

Firstly, before you ask any questions, you need to remember something when talking to a salesperson, especially a good one. They will always use a certain tone when speaking to you. The tone will subconsciously make many people feel intimidated without knowing it. Do not be submissive. 

Remember, you are in charge because you are the one looking for their service, and you are doing so with the knowledge that many companies offer what they offer. So, now that you know that, you can ask these questions and ask them with confidence. 

  • What services do you offer: This is an easy question designed to test your consultant’s knowledge because while on the phone, you can see their services online.
  • What do I get with your highest plan: Asking what you can get with the highest plan first is setting up the next question.
  • What do I get with your lowest plan? Now that you know what you get with the highest plan, you want to see how transparent the salesman is by asking what you get with the lowest plan. What you are looking for is whether the salesperson tries to downplay the lowest plan.
  • What do you think of my credit report/score: Most of the services we spoke about in this article offer a free consultation where they will analyze your credit score. Asking them what they think of your score while looking for specifics is a great way to see whether or not they are taking an interest in your case instead of leading you on.
  • How long will it take: Some salesmen might try and tell you that they can fix the score in a record amount of time. This is a red flag. Look, credit repair does not happen overnight, and you want to see whether or not they are honest.
  • Can you dispute everything: Again, this question is designed to judge their transparency. If they say they can dispute everything, that’s a red flag because there might be situations where something cannot be disputed.

5 Things That you Should Know When Repairing Your Credit

Look, choosing the best credit repair company for you is not going to be easy. It might take some time, and it might be intimidating at times. However, if you know what you are getting into, the process can be a lot better. 

So, in this section, we will discuss the five things you should know when setting out to repair your credit. 

Fixing Your Credit Score Is Not Easy

There is a reason why so many credit repair agencies exist. The process of improving a credit score that has been even slightly damaged can be tedious and exhausting. I always recommend hiring a professional to assist you. 

Credit Repair Can Take Long

When a dispute is launched with a credit bureau, they have 30 days to respond, and trust me, most of the time, it takes that long. For this reason, most credit repair agencies give you a 90-day guarantee rather than a 30-day one because you might not get any results in the first 30 days. 

When you hire a credit repair company, you will have to be patient and start judging whether or not they are delivering after at least 60 days. See, it is by this time that you will start seeing small improvements. However, for a full credit repair, it can take anywhere from 90 days to two years.

You are Responsible For Your Credit Score

Not many people understand that they are responsible for their credit score. So, when you are applying for a loan, a lease, or anything that requires your credit report, you can never say “it’s not my fault” regarding anything negative on your report.

That being said, in cases of identity theft, you can have things reversed on your credit report. However, it is similar to fixing your credit score, so we advise hiring a professional agency and being patient.

Not All Bad Credit Can Be Repaired

A misconception that I have seen is people trying to get away from having to pay for their credit. If you have a credit card and you owe money on it, and rightfully so, then there is no magic way to make that disappear.

In a case like that, a credit repair company can assist you, and they can guide you if you struggle to make those payments. They can also deal with the creditor to work out the best deal for you, but no, you cannot simply refuse to pay your credit card and expect it to disappear from your report.

Credit Repair Services Are Worth It

Finally, credit repair services are worth it, especially when you choose the right one. Your best bet at this point would be to look at one of the companies that we discussed in this article. Remember, we didn’t just try and look at what are the best credit repair companies in the nation or even what are the best credit companies online. 

We applied our 5-step process to find the best credit repair company in certain areas. 

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Paul Martinez

Paul Martinez is the founder of BendingDestiny.com. He is an expert in the areas of finance, real estate, and eCommerce.  Join him on BendingDestiny.com to learn how to improve your financial life and excel in these areas. Before starting this blog, Paul built from scratch and managed two multi-million dollar companies. One in the real estate sector and one in the eCommerce sector.

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