Best Credit Repair Companies • Benzinga

When you need to improve your credit by removing inaccurate or predatory information, Credit Saint is the overall best company with high customer review ratings and quality features.

A credit repair company can help you boost your credit score quickly. While you can work to improve your credit score without outside assistance, a credit repair specialist knows the steps to take for the greatest impact and the greatest results. So when you need efficient and impactful results, look to these leading credit repair companies that offer fair fees, a variety of services to help you get back on your feet and outstanding customer service to make the process more tolerable.

Quick Look: The Best Credit Repair Companies

• Best for Overall Services: Credit Saint
• Best for Building a Budgeting System: The Credit Pros
• Best for Minimal Setup Fees: The Credit People
• Best for Legal Advice on Credit Scores: Lexington Law Firm
• Best for Help with All Credit-related Problems: Credit Assistance Network

Top 5 Credit Repair Companies

The best credit repair companies provide fast results by helping you tackle the most impactful aspects of what’s holding your credit back. Here’s a look at the leading options to help you return your credit to a decent number that allows you to take out loans, get into safe apartment complexes, or purchase a car or home.

1. Best for Overall Services: Credit Saint

Credit Saint has low setup fees and fair monthly pricing to help you get to work on your credit affordably. The company has outstanding reviews on Google, with high satisfaction ratings. And if you don’t experience that same satisfaction, the company offers a 90-day money-back guarantee. Its basic service includes analyzing your score, educating you about what’s impacting your credit, challenging the credit bureaus on anything that’s out of place and tracking your score. 

If you step up to the next plan level, you can also get creditor intervention letters, inquiry targeting, real-time account sync, report and score for one bureau, and a guide to building your credit based on the changes you need to make. 

2. Best for Building a Budgeting System: The Credit Pros

While credit repair is important to getting access to lines of credit, securing better insurance rates and so much more, it only lasts so long if you fall back into bad habits. The Credit Pros offers additional features that help you learn how to manage your money wisely to keep your good credit once your number improves. It offers things like a budgeting system, identity monitoring and credit-builder loans.

3. Best for Minimal Setup Fees: The Credit People

Paying upfront setup fees when struggling financially can be challenging. That’s why The Credit People is an attractive service for many people looking to repair their credit. The setup fee is only $19, which is far less than the average $99 setup fee, which can be higher depending on the tier you select from other companies.

But it isn’t just a cheap service. It also is effective. Many customers claim they saw results starting at 60 days of using the service. 

4. Best for Legal Advice on Credit Scores: Lexington Law Firm

When you want an experienced company on your side to improve your credit, turn to Lexington Law Firm. With 19 years in the industry, the firm has encountered a variety of scenarios and is prepared to advocate for you. 

5. Best for Help with All Credit-Related Problems: Credit Assistance Network

Whether you are seeking extensive credit repair services or simply need assistance with a credit-related issue, the Credit Assistance Network can help. The company is not your traditional credit repair provider. Instead, it comes alongside you to help with specific challenges or create a plan for improving your credit quickly.

What Does a Credit Repair Specialist Do?

A credit repair specialist helps you fix your credit. It involves several steps, which vary based on the company you select but might include:

• Identifying errors on your credit report
• Disputing errors on your credit report
• Educating customers on what’s impacting their credit
• Offering guaranteed loans to help build your credit
• Monitoring your credit
• Preparing and sending letters to the credit bureaus and debt collectors

How Do Credit Repair Companies Work?

A credit repair company uses the laws to protect your rights and help you get a fair credit score. Some of your rights when it comes to your credit include knowing your credit score, what’s on file in your credit report, and the chance to dispute inaccurate information.

While disputing something on your credit is not a guarantee that the credit bureau will remove it, you will at least have a chance at making the update. 

Credit repair companies offer many services, such as a credit consultation, challenging inaccurate items on your credit report, providing regular progress reports and fighting for your rights.

How to Choose the Right Credit Repair Specialist

There are hundreds of companies out there that claim to be able to help you improve your credit. With so many options, how can you choose the one that is best for you? Look for these characteristics.

• The breadth of service offering: each company offers its own set of services. Look for one that includes the services and features you need, such as dispute letters, education, consultations, loans, etc.
• Transparent pricing and agreements: make sure you know what you’re signing up for. Some companies require a certain number of months of commitment, which means you can’t cancel at any time. Others are fuzzy on what’s included in your service. Select a transparent company that tells you exactly what you get for your fees.
• Access to customer service: you’re busy with all the other aspects of daily life. Getting in touch with your credit repair specialist shouldn’t be hard. Look for the company that allows you to reach them via phone, email, chat and any other communication channel you prefer.
• Fair pricing: choose the service with fair prices that meet your budget while still providing great results.
• Customer reviews: read the reviews about the company to see what past customers have said. Some good places to go are Trustpilot and the Better Business Bureau. That way you know you’re reading reputable reviews that the company has not filtered so you only see the best of the best.
• Money-back guarantees and freedom to cancel: companies that allow you to cancel at any time are probably more confident in their services than those that hold you captive for a set number of months.

How to Avoid Credit Repair Scams

Sadly, there are many people out there who prey on people looking to improve their financial standing through credit repair. Protect yourself from these scammers with these tactics.

• It seems too good to be true: If so, it probably is. If the company is overpromising, this is not the best option for you. They should not guarantee results because there is no way to guarantee credit improvements since each person’s situation is unique.
• They are not CROA compliant: The Credit Repair Organization Act helps protect consumers from scams. Read the act to ensure that the company is compliant.
• Pricing seems out of line with competitors: When the price is extremely high or bottom of the barrel, that should tip you off that something isn’t right here. Don’t pay hundreds of dollars per month for a service when most are between $100-$150. 
• There are no tools or resources for learning about credit: Additional features and education help you learn about your credit and ensure you’re taking proper steps. Without that, you might not know that the company is just taking your money without results.
• Reviews are generally negative: Read reviews on as many third-party sites as you can. If the reviews are generally negative or past customers experienced pain points that you don’t think you can deal with, avoid the company.

Start Your Journey to Better Credit

When your credit is too low to get access to financial tools and resources, it can be frustrating and you might not know where to turn or what to do. Working with a company skilled in credit repair can help you elevate your score quickly and get on track with improvements that can be life-changing.

Frequently Asked Questions