5 Best Credit Repair Companies of June 2025

Money’s Main Takeaways

• Credit repair companies can review your credit report for inaccuracies and dispute them with the reporting agencies.
• Although you can repair your credit yourself, hiring a credit repair service can be helpful if your reports have multiple mistakes.
• Some credit repair companies offer ongoing credit consultations and additional financial tools like credit and identity theft monitoring.
• Fixing your credit, even with the help of a repair company, can be time-consuming, often lasting up to a year.

Our Top Picks for Best Credit Repair Companies

• Sky Blue Credit – Best Value
• The Credit People – Best for Low Setup Fees
• Credit Saint – Best for Comprehensive Plans
• MSI Credit Solutions – Best for Customized Pricing
• Safeport Law – Best for Legal Support

Best Credit Repair Reviews

Pros

• 50% discount for couples
• Repair up to 15 items every 35 days
• Pause your subscription whenever you like

Cons

• Limit of five credit disputes per bureau every 35 days

HIGHLIGHTS

Monthly fee:

$79, $99 or $119 for individuals ($119, $149 or $179 for couples)

Set-up fee:

$79, $99 or $119, depending on plan

Money-back guarantee:

90 days

Why we chose this company: Sky Blue Credit Repair is our pick for best value because its low-cost credit-repair packages include everything you need to clean up your credit report quickly.

For $79 a month, Sky Blue’s basic package includes credit bureau disputes, three bureau reports and scores, one-on-one consultations, an online client portal and a credit score tracker.

The company also offers a full-service and a premium package for $99 and $119 a month, respectively. These include everything in the basic package, plus creditor interventions, debt validation letters, cease and desist letters, personal information correction letters, credit-building tools and more.

Sky Blue’s credit repair process includes mapping out a strategy for improving your credit score, and you can schedule consultations for any credit-related questions.

Sky Blue Credit Repair also offers one of the most flexible subscriptions available. If you want to skip a month of service without canceling your subscription, you can request a pause through your online account.

You won’t be charged while your account is paused, and you can resume the subscription when needed. This could save you money on the startup fees that most credit repair firms charge when you use their services.

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Pros

• Simple pricing structure
• Low one-time first work fee ($19)
• Unlimited challenges with all three bureaus

Cons

• No credit monitoring
• No financial management tools

HIGHLIGHTS

Monthly fee:

$99, $119 or $599 six-month flat rate

Set-up fee:

$19 (No setup fees with six-month plan)

Money-back guarantee:

Cancel at any time and you won’t be charged for that month of service. If you choose the flat-fee plan, you have a full six-month satisfaction guarantee

Why we chose this company: The Credit People is the best option for low startup fees because the company only charges $19. This sets it apart from competitors that usually charge around $79 or more to set up your account and pull your credit report.

Additionally, The Credit People offers an excellent money-back guarantee. You can cancel your subscription whenever you want and receive refunds of the last and previous month’s payment. On the other hand, most credit repair companies have a 90-day money-back guarantee or only refund you for the previous month of service.

The Credit People’s interface is also a plus — you can monitor updates to your credit report or score from all three credit bureaus from its easy-to-use online dashboard. It also lets you track open disputes and connect to customer service with any questions.

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Pros

• 90-day money-back guarantee
• Clear pricing policies
• Online sign-up available
• Online chat available weekdays from 9 a.m. – 7 p.m.

Cons

• Service not available in South Carolina, Kansas, Mississippi, Oregon, Maine and Washington, D.C.
• First work fee of up to $195

HIGHLIGHTS

Monthly fee:

$79.99 – $139.99

Set-up fee:

$99 – $195

Money-back guarantee:

90 days

Why we chose this company: Credit Saint is best for clear pricing policies and comprehensive package options.

It offers three credit repair packages: Credit Polish, Credit Remodel and Clean Slate. The packages range from $79.99 to $139.99 per month and differ in the number of claims they’ll dispute a month, from five claims with the basic “Credit Polish” plan to an unlimited amount with the premium “Clean Slate” plan.

Each package also features a different suite of financial tools. The basic plan, for instance, includes a credit score tracker. The highest tier plan adds credit reports and scores from all three reporting bureaus.

Credit Saint offers a free consultation to evaluate your particular situation and identify the next steps you should take. Once you sign up, you’re assigned an advisory team that schedules calls to keep you informed.

Credit Saint also provides a credit score analysis and educational content to help customers better understand their credit. Some plans also include a personalized guide to building credit. Additionally, the company offers a 90-day money-back guarantee if you don’t see any changes in your credit history after three months.

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Pros

• Customizable pricing based on individual credit needs
• Free initial consultation to assess your credit situation
• No upfront fees; first payment due after services start
• Access to a dedicated credit consultant for personalized guidance
• Unlimited dispute letters sent to all three major credit bureaus

Cons

• Service not available in South Carolina, Kansas, Mississippi, Oregon, Maine, and Washington, D.C.
• Initial setup fee varies based on individual credit situation

HIGHLIGHTS

Monthly Fee:

$98 for individual accounts; $69 per person for joint (couples) accounts

Setup Fee:

Customized based on credit assessment; typically starts at $30

Money-Back Guarantee:

Offers a money-back guarantee if your credit score doesn’t improve by 50 points

Why we chose this company: Unlike many credit repair companies that offer one-size-fits-all solutions, MSI provides customized plans based on each person’s unique credit challenges. A dedicated credit consultant guides you through the entire process, which gives MSI an edge over other credit repair companies that may not offer the same level of customization.

MSI Credit Solutions also boasts a strong track record of success. With over 18 years in the industry, the company has helped thousands of clients improve their credit scores, often by significant margins. MSI’s services are not limited to simply sending dispute letters to credit bureaus; they include comprehensive credit monitoring, expert advice and educational resources.

The company’s fee structure ensures you only pay for the services you need. Additionally, MSI offers a money-back guarantee if your score doesn’t improve, adding another layer of security if you’re unsure about credit repair.

Pros

• 90-day money-back guarantee
• Legal expertise from licensed attorneys
• Transparent pricing
• Online sign-up and 24/7 account access

Cons

• Service not available in South Carolina
• Only one service plan offered
• No credit monitoring tools included

HIGHLIGHTS

Monthly fee:

$129.99

Set-up fee:

$129

Money-back guarantee:

90 days

Why we chose this company: Safeport Law stands out in the credit repair industry because of its unique legal expertise. Unlike many competitors, Safeport Law’s licensed attorneys handle each case, providing a higher level of expertise and a more personalized approach to credit repair. This legal team disputes inaccurate or outdated information on credit reports and provides legal intervention if necessary, a rare feature in the credit repair world.

Safeport Law’s clear and transparent pricing helps eliminate any confusion regarding what you’ll pay. The company provides a single service package with a monthly fee that covers everything, including all disputes, consultations and legal support. With a 90-day money-back guarantee, Safeport Law also assures you that if there are no significant improvements in your credit history, you’ll receive a full refund.

Additionally, Safeport Law provides access to 24/7 online account tracking and a dedicated team to handle your case.

Credit Repair Guide

Credit report mistakes are much more common than you might think. And while you can remove inaccurate information from your credit report, the process is often frustrating and time-consuming.

Addressing credit problems is crucial for improving your credit score and overall financial health. A credit repair agency can make this process easier by doing the heavy lifting: obtaining your reports, finding inaccuracies and disputing any mistakes on your behalf directly with lenders and credit bureaus. However, many companies make false claims and lure customers into paying for services that won’t deliver results.

What is credit repair?

Credit repair is the process of improving credit history and score. It often involves reviewing your credit history for inaccuracies and disputing them with the three major credit bureaus: Experian, Equifax and TransUnion.

While you can repair your credit report free, you can also hire a credit repair company, which reviews your reports for mistakes and disputes them with the credit bureaus on your behalf.

Taking the time to repair your credit can raise your credit score, improve your likelihood of getting approved for the best credit cards and loans, and help you qualify for more favorable interest rates.

How does credit repair work?

Whether you do it yourself or hire a company, credit repair usually involves:

• Requesting your credit reports from the three credit bureaus
• Reviewing them for inaccurate information
• Filing a dispute with the credit bureau that generated the report that has errors

Obtaining free credit reports is an important step in identifying errors or inaccuracies in your credit history.

Per the Fair Credit Reporting Act (FRCA), you can dispute any information you believe is inaccurate. The credit reporting agencies must investigate within 30 days and delete the item from your report if found to be erroneous. They must also send you the results of their investigation within five business days of completing it.

Note that you (and credit repair companies) can only remove inaccurate information from your credit report. If your report doesn’t have errors, you should focus on paying your bills on time, keeping a low credit utilization ratio and reducing your total debt.

Credit disputes and negotiations

Credit disputes and negotiations are essential components of the credit repair process. Reputable credit repair companies, such as Lexington Law and CreditRepair.com, can help individuals dispute errors on their credit reports and negotiate with creditors to remove negative marks. The process typically begins with a review of the individual’s credit reports from the three major credit bureaus: Equifax, Experian, and TransUnion.

Credit repair companies can then identify errors or inaccuracies and submit dispute letters to the credit bureaus. In some cases, credit repair companies may also negotiate with creditors to remove negative marks, such as collections or late payments, in exchange for payment or other concessions. By leveraging their expertise and knowledge of the credit repair industry, reputable credit repair companies can help individuals achieve significant improvements in their credit scores and overall financial health.

Warning signs of a credit repair scam

The credit repair industry has its share of controversies and scams. With this in mind, it’s important to recognize red flags that indicate a company might be engaging in questionable practices.

According to the Consumer Financial Protection Bureau (CFPB), a credit repair company might be deceiving you if it:

• Asks for upfront fees before providing any services
• Claims to remove all negative information from your report, even if it’s accurate and up-to-date
• Advises you to dispute correct information in your credit report
• Says you shouldn’t contact the credit bureaus yourself
• Doesn’t inform you of your rights, including the ability to cancel your contract with the company within three business days after signing it
• Doesn’t provide a written contract outlining details such as service costs and guarantees
• Asks you to waive any of your rights under the CROA
• Offers you a “new” credit identity or profile
• Provides clients with stolen social security numbers, which can lead to identity theft and other legal issues

Be particularly wary of companies that guarantee they can remove accurate collections from your credit report, as this action could land you in legal hot water.

Credit Repair FAQs

How much does credit repair cost?

Credit repair agencies typically charge between $50 to $150 per month, depending on the service plan you choose. They also charge a setup fee (also called initial or first work fee) that’s often a similar price to the monthly subscription. Monthly fees for credit repair services can vary significantly between companies and should be considered when choosing a service.

How long does it take to repair credit?

“The amount of time it takes varies greatly depending upon each person’s unique circumstances and other actions they take to improve their credit,” says Thomas Nitzsche, vice president of public relations for credit counseling agency Money Management International.

Nitzsche says you may see a credit score increase around one to three months after disputed errors are removed from your report. On the other hand, accurate negative items, like late credit card payments, stay on your file for seven years.

Can I repair my own credit?

Yes, you can do all the steps that credit repair companies do for free. The main credit bureaus have online systems where you can dispute inaccurate or outdated information on your credit report. They will investigate within 30 days and remove the incorrect information if your claim is valid.

How We Chose the Best Credit Repair Companies

Since we first started reviewing credit repair companies in 2016, we’ve spent thousands of hours researching the industry and vetting its major players.

As part of this research, members of our editorial staff have sought first-hand experience with some of the names included in our list. Additionally, we reevaluate our top picks every month to provide readers with the most up-to-date information on these services and credit repair in general.

To choose the best credit repair companies, we evaluated the following factors:

Transparency: We considered whether companies provided clear, upfront information about their prices, fees, services, guarantees, terms and conditions and privacy policies.

Pricing and discounts: We compared companies’ service plans based on cost, favoring providers that offered multiple options at several price points. We also considered their setup fees, also known as first-work fees, and noted any available discounts, such as for couples or service members.

Services: All credit repair services claim to review and dispute inaccurate and/or outdated information affecting your credit history. However, we favored companies that offered various services tailored to different budgets and additional services, such as free credit consultations, creditor interventions and cease and desist or goodwill letters.

Financial tools: We checked whether companies offered financial tools that might help consumers improve their credit, such as a credit score tracker, monthly credit reports and/or identity theft monitoring.

Client portal: Companies that offered a portal or app for clients to track their dispute status and credit repair progress stood out from the competition.

Money-back guarantee and cancellation policy: We favored companies that offered refunds or guarantees if they couldn’t remove or correct errors from your credit report within 90 days. We also preferred companies that didn’t charge cancellation fees.

Customer Support: We preferred companies that offered several contact options, such as online chat, support forms, and email, which can improve their responsiveness to customer issues or complaints.

User experience: In addition to pricing and services, we considered the ease of use of each company website and whether the information provided was up-to-date.

Service area: We considered the number of states where the companies operate and prioritized those available nationwide.

Company history: Our top picks are reputable credit repair services that have been around for over 10 years and garner mostly positive customer reviews across different platforms.

Customer satisfaction: We checked reviews across third-party review websites, such as the Better Business Bureau, to gauge customer satisfaction and any patterns of complaints regarding a company’s services.

Regulatory actions: We looked for any history of Federal Trade Commission (FTC) violations and searched the Consumer Financial Protection Bureau (CFPB) complaints database to check these companies’ history of customer complaints or enforcement actions.

Comparing other credit repair companies is important to find the best fit for individual needs, as factors like service plans, fee structures, and customer reviews can significantly impact the effectiveness of credit repair efforts.

Summary of Money’s Best Credit Repair Companies

• Sky Blue Credit – Best Value
• The Credit People – Best for Low Setup Fees
• Credit Saint – Best for Comprehensive Plans
• MSI Credit Solutions – Best for Customized Pricing
• Safeport Law – Best for Legal Support

According to a recent report by Money.com, credit repair companies can help individuals review their credit reports for any inaccuracies and dispute them with the reporting agencies. While it is possible to repair your credit on your own, hiring a credit repair service can be beneficial if your reports have multiple errors. These companies may also offer ongoing credit consultations and additional financial tools such as credit and identity theft monitoring. However, the process of fixing your credit, even with the help of a repair company, can be time-consuming and may take up to a year.

The editorial staff at Money.com has over ten years of experience in the credit and credit repair services industry. They have independently reviewed 22 credit repair companies, considering more than 10 data points including pricing, services, and customer support. They have also consulted over 100 sources to ensure the accuracy and integrity of their content. Their top picks for the best credit repair companies include Sky Blue Credit, The Credit People, Credit Saint, MSI Credit Solutions, and Safeport Law.

Sky Blue Credit Repair is considered the best value because of its low-cost packages that include all the necessary services to quickly clean up your credit report. For a monthly fee of $79, their basic package includes credit bureau disputes, three bureau reports and scores, one-on-one consultations, an online client portal, and a credit score tracker. They also offer full-service and premium packages for $99 and $119 a month, respectively, which include additional services such as creditor interventions, debt validation letters, and credit-building tools.

One of the standout features of Sky Blue Credit Repair is its flexible subscription options. If you need to skip a month of service, you can request a pause through your online account without canceling your subscription. This can save you money on startup fees that are typically charged by other credit repair companies. 

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