Reviews of the Best Credit Repair Companies (2018)

Having bad credit is an unfortunate problem that many families face, especially in today's economic climate. Having a poor credit score can have a very negative impact on your financial health and can result in higher interest rates, loan application rejections, and more. That's why thousands of people have turned to credit repair companies to help fix their credit and improve their FICO scores.

Credit repair services work by helping to remove negative items from your credit report such as late payments, liens, foreclosures, repossessions, and more. But finding the best credit repair service seems like an overwhelming task. With so many companies to choose from, how can you really know who to trust? That's where we can help!

At Credit Marvel, we've researched and reviewed the top credit restoration companies to determine which services were the best and had the highest satisfaction rate among clients. Each company we reviewed was analyzed on a variety of factors including avg. number of items removed, satisfaction rate among clients, speed of results, and price.

Who are the best credit repair companies?

  1. Lexington Law
  2. Sky Blue Credit

Lexington Law
CreditMarvel Rating
9.8 Out of 10
Call Now: 1-(855) 793-5512
Things To Know:
  • Free Consulation & Case Evaluation
  • Over 26 Years of Experience
  • Over 7.3 Million Negative Items Removed in 2016
Lexington Law is one of the most respected and reputable credit repair companies in the industry, and for good reason. Lexington Law has over 26 years of experience and has over half a million clients to date. If you're looking for the best and nothing less, give Lexington Law a call and take advantage of their free consultation and case evaluation.
Sky Blue Credit
CreditMarvel Rating
9.6 Out of 10
Call Now: 1-(888) 966-8610
Things To Know:
  • A+ Rating with the Better Business Bureau
  • Disputes Up To 15 Items on Your Credit Report Per Month
  • Fastest Service In The Industry
Sky Blue Credit promises to clean up errors on your credit report and improve your credit score, and our research indicates they deliver well on that promise. The customer reviews for Sky Blue Credit are extremely positive, and their A+ rating from the Better Business Bureau reflects that. Their service claims to dispute 15 items (5 per bureau) every 35 days, ensuring one of the fastest working services available. Free consultations are available.
CreditMarvel Rating
9.1 Out of 10
Call Now: 1-(844) 764-9826
Things To Know:
  • Been In Business Since 1997
  • Offers 24/7 Credit Monitoring and Alerts
  • Personalized Online Dashboard With Credit Score Tracker
Originally established in 1997, is one of the most well-rounded services in the industry with over 1.5 million negative items removed from the credit reports of their customers. In addition to disputing negative items on your credit report, they also provide 24/7 credit monitoring, a personalized online dashboard, and a credit score tracker. is a little more pricey than other credit repair companies, but the value of their service is well worth the price in our opinion.

Reviews of the Best Credit Repair Companies

There are many people that are skeptical about credit repair. They want to know if these services REALLY do work.  After reviewing the most popular credit repair agencies and the results of their clients, we can definitely conclude that these services do in fact work.  Obviously, not all companies are created equal and each company has their own methodology for removing negative items from your credit report.

Our credit repair company reviews will provide you the information required to make an informed decision.

Just to give you an idea of the type of results to expect, Lexington Law claims that their clients have an average of 10 negative items removed from their credit report.  Most companies do offer a money-back guarantee if you're not satisfied with their service.  In addition, most services offer a free case evaluation so they can see if they can help your situation before you decide to sign up.

How Do These Services Work To Repair Your Credit?

If you’re going to be hiring one of these services, you probably want to know what you’ll be receiving for your money – right?  Companies that claim to help fix your credit should be completely upfront with what they can and can't do for your situation.  A good company can remove negative items from your credit report and help improve your FICO score, making it easier to obtain a home, vehicle, mortgage, or insurance.

Most credit repair companies work in the following way:

  1. Obtaining your credit report from all 3 major credit bureaus (Equifax, Experian, and TransUnion)
  2. Identifying specific items in your credit report that can be disputed.
  3. File credit disputes on your behalf using little-known strategies that yield a high success rate.
  4. Communicate with creditors and credit bureaus on your behalf to remove negative items as soon as possible.

Are Credit Repair Companies Worth The Cost?

Depending on which company you decide to use, the price of service will generally be between $59.95 and $99.95 per month.  However, there are no long-term contracts and you can cancel the service at any time.

Considering how much extra money you pay in high interest charges with a bad credit score, we do believe that the best credit repair services are worth the price.  A higher FICO score can result in better interest rates on loans, mortgages, credit cards, and more.  If you have a poor credit score and need to fix your credit fast, these services will get you the best results in the shortest amount of time.

Factors to Consider Before Choosing a Credit Repair Company

Chances are if you are taking the time to research credit repair services, personal finances are important to you. This is why it is critical to do your homework before settling on a company to help you repair your credit.

  1. The #1 warning sign that you should avoid a company are upfront fees. No reputable credit repair agency will ask  you to pay any monies upfront. Fees should only be paid upon the services have been rendered.
  2. Educate yourself on the items currently negatively impacting your credit score. There are quite a few free resources online for acquiring a copy of your credit report. Often your bank will provide you with a free report.
  3. Be clear on your expectations.
  4. Educate yourself on your rights. The Fair Credit Billing Act was enacted in 1974 for the purpose of protecting consumers from unfair credit billing practices. It provides the guidelines for procedures to follow when disputing issues regarding billing statements.

Best credit repair companies

5 Important Things To Find Out From A Credit Repair Company Before You Choose One

Is The Company Both Bonded and Insured?

Any credit repair company that you are considering, should be fully bonded, licensed, and insured. Otherwise, you will most certainly find yourself in a compromising position should something go wrong.  A credible credit repair company will have no issues showing you their credentials.

What Information Should I have on hand?

Credit repair companies will all have certain ways of doing things, but FICO functions the same for all of them.  You will want to make sure you have the following personal and/or business information ready before making that call.

  1. Government-issued photo ID or passport
  2. Your current home address
  3. Employer information
  4. Account numbers for your bank and credit cards
  5. A list of both debts and assets
  6. SSN or EIN
  7. Paperwork if you filed for bankruptcy 
  8. Divorce papers if necessary

Ask questions like "what contributes to my credit score?"

If you  do not know anything about credit, you will not be sure if the company actually knows what they are doing. You will want to ask about the factors that contribute to a credit rating.  Inquire about age of open credit lines, hard credit inquiries, and the percentage of on time payments. A reputable credit repair company will not only know the right answers, but also how to fix them. 

How Can I Contact You If I Have Questions, Comments, or Concerns?

The level of customer service you receive tells you a lot about a company.  Consider asking these questions:

  • Will I have a direct line of communication with whomever is handling my account?
  • Are there specific hours of operation or is someone available anytime questions come up? 
  • What will be required of me during this process and what are my rights? 
  • What if I change my mind? Is there a penalty?
  • What if I am not happy with the outcome after the process is done? 
  • What is the level of involvement expected from me?  

How will I be able to keep track of the progress you are making

A trustworthy credit repair company will have no issues supplying you with complete access to all they work they are doing for you. They should be able to give you access to some form of secure online account where you will be able to track the progress they are making.  If you find the company cannot provide something similar to this, chances are they are not equipped to be handling your personal information.


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  1. Bruce

    February 9th, 2015

    When I first started my credit score was 390 and after 6 months we are at 640 and I am very happy. It is hard to believe, but it is real. Had not looked at or cared about my credit report in years. There where really old things in the report that Lexington got removed and now I am a very happy camper.

  2. Carol Woods

    February 9th, 2015

    This list was a god send. I'd recommend any of them to any of my associates, even though I settled on just one. They all seemed good though.

  3. Michael Smith

    August 4th, 2016

    I have disputed multiple times myself with all three bureaus. I have not had any luck, but most of my credit issues are recent, so that has to be an issue. Also, Experian states they will not honor any more. Can you help?

  4. Catalina

    September 29th, 2016

    I highly recommend Lexington Law. They have been a great help in
    repairing our credit. They are available on the phone or online
    to answer concerns. Stay on top of your negative items and on top of
    your current disputes, you will see results.