How to Find the Best Credit Repair Company for You

Is your credit score low and you are not sure why? Are you looking to repair your credit but you are not sure how? If so, credit repair companies can be your best shot at repairing and rebuilding your credit score.
With countless credit repair companies on the market, finding the right one for you can be a little challenging without knowing all the facts. This article will demonstrate how you can find the best credit repair company for you.
What Is Credit Repair?
Credit repair is simply a process in which the credit repair company will challenge the three major credit bureaus to dispute any negative items or inaccurate information on your credit reports on your behalf.
Repairing your credit can offer you several benefits, some of which include:
- Lower interest rates
- Lower insurance rates
- Qualification for a low APR credit card
- Getting a higher credit card limit
- Qualification for auto or home loans
How to Find the Best Credit Repair Company for You
Finding the best credit repair company for you is no easy task, as you may encounter many scam companies that just want to collect your money without providing the services they promise. Here is how to find the best credit repair company for you:
- Check if they operate in your state
Upon choosing a credit repair company, it is best to check if they operate in the state you reside in. The best credit repair companies offer their services in all fifty states.
- Check their BBB rating and accreditation
A credit repair company’s rating and accreditation from the Better Business Bureau is a good indicator of how legit the company is.
- Read customer reviews and success stories
Customer reviews and success stories are also a great way of identifying a reliable credit repair company. Beware of scams that guarantee a score increase, as each person’s credit report is unique, and no such guarantee should be offered.
- Check and compare prices and first work fee
Credit repair companies usually offer flexible subscription plans for their credit repair services, each offering either a specific number of disputes or disputes on certain negative items. Most credit repair companies also charge an enrollment or a first work fee, so make sure its fees are suitable for you and fit your budget.
- Compare process times
Generally, negative item disputes can take at least 30 days or more to be deleted. However, some credit repair companies offer a faster item deletion process but at a higher price. So depending on your urgency, choose the company and plan that suits you best.
- Look for a money-back guarantee
The best credit repair companies will offer you a full refund with their money-back guarantee if they cannot delete any negative item from your credit reports. It is best that you find a company with a money-back guarantee, so you do not lose all your money if nothing changes on your credit report.
- Cancellation policy
We recommend you look for a credit repair company with a clear cancellation policy. So if you need to cancel your subscription at any time for any reason, you would know if you will encounter any charges or not.
- Extra benefits
Lastly, the best credit repair companies usually offer some extra benefits to their repair services, such as financing tools, joint enrollment offers for couples, identity theft insurance, and much more.
Best Credit Repair Company Recommendations
We took it upon ourselves to present you with the best credit repair companies that could be suitable for you. We did all the heavy research to save you time and effort from browsing the hundreds of companies in the industry.
1. Lexington Law

Lexington Law is a law firm that specializes in credit repair services. It is by far the best and most well-known credit repair company. Lexington Law will offer you:
- Free credit score
- Free credit report summary
- Free credit repair recommendations
Its credit repair services are offered in three subscription plans:
Concord Standard: $95.95 per month
This plan will cover the following services:
- Credit Disputes
- Creditor Intervention
- Inquiry Assist
- ID Theft Insurance
- DebtHandler
Concord Premier: $119.95 per month
This plan covers everything mentioned in the previous plan, plus:
- Credit score analysis
- Credit monitoring
- Alerts when the score changes
Premier Plus: $139.95 per month
This plan is the full-service package from Lexington Law. It covers all the previously mentioned services, in addition to:
- Cease and desist letters
- Access to FICO
- Score tracker
- Financial planning tools
- Lost wallet protection
- Junk mail reducer
2. Credit Saint

Our second recommendation goes for Credit Saint. This company has been helping people fix their credit scores for over 15 years and is accredited by the Better Business Bureau with an A+ rating. Credit Saint offers a 90-day money-back guarantee if it fails to remove any of the following negative items:
- Late payments
- Charge offs
- Collections
- Repossessions
- Judgments
- Inquiries
- Foreclosure
- Liens
- Bankruptcies
Credit Saint also offers three subscription plans for its credit repair services:
Credit Polish: $79.99/month + $99 first work fee
This plan provides you with:
- Challenges to the 3 Credit Bureaus
- Score Analysis
- Creditor Interventions
- Score Tracker
Credit Remodel: $99/month + $99 first work fee
This plan will give you all that is offered with the Credit Polish plan, in addition to:
- Inquiry targeting
- Experian monitoring
Clean Slate: $199.99/month + $195 first work fee
This is the full-service plan offered by Credit Saint. It offers all of the following:
- Unlimited Challenges to the 3 Credit Bureaus
- Score Analysis
- Creditor Interventions
- Score Tracker
- Inquiry Targeting
3. The Credit Pros

The Credit Pros is our third recommendation for the best credit repair companies on the market. The company offers a wide range of services, which include:
- One-on-one action plan with a certified FICO professional
- ID theft restoration and insurance
- Cease and desist letters to collection agencies
- 24/7 access to the client portal
- Debt validation letters to creditors
- Goodwill letters to creditors
- Unlimited dispute letters
The Credit Pros offers three subscription plans for its credit repair services:
Money management: $69/month + $119 first work fee
This plan will provide you with:
- One-bureau report and scores
- ID Cover® Darkweb monitoring
- TransUnion® alerts
- Real-time account sync
- Bill reminder
- Budgeting system
Prosperity Package: $119/month + $119 first work fee
This plan offers everything provided in the previous plan, in addition to:
- Credit bureau challenges
- Creditor interventions
- Cease & desist letters
- Letter of Reference
Success Plus Package: $149/month + $149 first work fee
This plan is the full-service package from The Credit Pros. It will provide you with all the previously mentioned services, plus the following:
- Credit Builder Loan
- Three-bureau reports and scores