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 repair agencies 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 average number of items removed, satisfaction rate among clients, speed of results, and price.

Credit Marvel’s Ranking Formula

We use a simple quantitative scoring system to come up with a grade for each company that we review. The different metrics used include:

  1. Features & Services:  This metric has a weight of 90% to ensure that all of the features and services that you need are available to you.

  2. Benefits:  The benefits received from a credit repair company’s service is paramount in your decision making process! For this reason, this metric carries a weight of 100%.

  3. Customer Service:  Great customer service is essential to any great credit repair company.  This metric carries a weight of 80%.

  4. Price:  You want to get the best bang for your buck while not compromising on value.  This metric carries a weight of

  5. Guarantees/Warranties:  All credit repair companies reviewed stand by their word but you should always have a guarantee/warranty as a safety net.  This metric has a weight of 60%.

  6. BBB Rating:  The feedback that the Better Business Bureau provides is invaluable.  Therefore, this carries a weight of 70%.

  7. Speed & Reliability:  As a credit repair client, your case should be handled in a timely manner.  This metric carries a weight of 80%.

Here is the process we use:

  1. Each company will receive a score on a scale of 1 to 10 for each metric listed above.
  2. We then multiple the score the company received for each metric by the metrics weight.
  3. The score for each metric is then added together to reach an overall score.
  4. We then compute the best overall score that is achievable based on our weight system.
  5. The company’s overall score is then divided by the best overall score and multiplied by 100 to get to their final review rating.

Did we miss anything that you feel is a major component to accurately ranking these credit repair companies? Let us know by contacting us here!

Who are the best credit repair companies?

  1. Sky Blue Credit
  2. Lexington Law
  3. CreditRepair.com
  4. Credit Saint

Sky Blue Credit


CreditMarvel Rating
9.8 Out of 10

Call Now: 1-(888) 966-8610
Things To Know:
  • Only $79 per month
  • 90 Day Money-Back Guarantee (Condition Free!)
  • Fast Dispute Pace (15 items every 35 days)
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. They also report that there are no extra charges for credit reports and you can easily pause your account.

Lexington Law


CreditMarvel Rating
9.6 Out of 10

Call Now: 1-(855) 793-5512
Things To Know:
  • Personalized Free Initial Consultation & Case Evaluation
  • Over 27 Years of Experience
  • Over 7.5 Million Negative Items Removed in 2018
Lexington Law is one of the most respected and reputable credit repair companies in the industry, and for good reason. Lexington Law has over 27 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.



CreditMarvel Rating
9.4 Out of 10

Call Now: 1-(844) 764-9826
Things To Know:
  • $99.95 per month
  • Been In Business Since 1997
  • Personalized Online Dashboard With Credit Score Tracker
Originally established in 1997, CreditRepair.com 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. CreditRepair.com is a little more pricey than other credit repair companies, but the value of their service is well worth the price in our opinion.

Credit Saint


CreditMarvel Rating
9.2 Out of 10

Call Now: 1-(855) 618-8608
Things To Know:
  • A+ rating With The Better Business Bureau For 13 Years In a Row
  • In Business Since 2004
  • Free Cancellation At Anytime
  • Excellent Customer Service
  • All Programs Come With a 90-day Money Back Guarantee
Established more than 16 years ago, Credit Saint is a New Jersey-based credit restoration specialist that has maintained a consistent A+ rating with the Better Business Bureau for 13 years in a row. In addition, they’ve received top ratings from The Credit Review, ConsumersAdvocate.org, and other independent consumer organizations. They will release more challenges for their clients dollar for dollar than any other credit service company.

Reviews of the Best Credit Repair Companies

credit repair

There are many people that are skeptical about credit repair companies. 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?

credit repair[Image: Pexels]

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 three 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 is upfront fees. No reputable credit repair agency will ask you to pay any monies upfront. Fees should only be paid once 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 about 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.

credit repair

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.

  • Government-issued photo ID or passport
  • Your current home address
  • Employer information
  • Account numbers for your bank and credit cards
  • A list of both debts and assets
  • SSN or EIN
  • Paperwork if you filed for bankruptcy
  • 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 the work they are doing for you. They should be able to give you access to a well designed and 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 handle your personal data.

Red flags to look for:

As you determine which credit repair company is right for you, watch out for those companies that:

  • Ask for payment upfront. This type of practice is banned by the Credit Repair Organizations Act.
  • Ask for payment info over email. This is one of the leading ways scams occur.
  • Don’t have confidence in your efforts. Credit repair companies should let you know that you have the power to fight inaccuracies independently. Then, they can point out areas where they can support you.
  • Do not give you a contract in writing. Credit repair companies are required to give you this physical proof that states your cancellation rights.
  • Promise a fast fix. If a credit repair company tells you it can help fix things fast for you, beware. The credit bureaus, by law, have 30 days to respond to a dispute you submit regarding your report. If the credit bureau disagrees with the dispute, you can always contact the creditor directly. They then have 30 days to respond. Lastly, the credit bureau has an additional 30 days to respond from when you give them information from the creditor. So this is a long process.
  • The company has complaints submitted against them. Go online and check the CFPB complaint database. Also be sure to read all reviews about the company. Take it a step further and check with the attorney general, the corporate commission offices in your state, and the state where the headquarters of the business is located.
  • The management has complaints against them. Digging a bit further, you can Google the managers at the company to see what their professional histories entail. What they’ve accomplished in the past is a strong indicator of how they might serve you at present. (If they have a poor track record, steer clear.)
  • Saying they can get legitimate negative information removed. You want to stay away from any company that says they will do something illegal for you. Every project should always be above board.
  • They ask you to lie. If a company asks you to make an inaccurate or misleading statement about details on your credit report, run in the other direction. Engaging in any of this is a violation of the CROA (Credit Repair Organizations Act).
  • The company suggests you come up with a new credit profile. This is not too common of a practice, but some companies might suggest using a new employer identification number instead of your real social security number to set up a new profile.

Good signs to look for:

Here are some signs you want to look for when it comes to choosing a good credit repair company:

  • They offer you a free consultation. A good credit repair company will offer to review your report and let you know what they will be able to do for you and what they will not be able to do for you.
  • They have been in business at least five years. You also want to make sure they have never been shut down for any FTC violations. This shows longevity and legitimacy. Bonus tip: Ask if they have handled cases similar to yours. For example, if you are facing a lien from the IRS, you want to know that they have successfully handled this type of situation before.
  • They have their own attorney on staff. This will help ensure that everything they do is done legally.
  • They explain your options to you. You need to have a clear understanding of what recourse you have if what you set out to achieve does not happen.
  • The company is licensed, bonded and insured.


  1. Leighsa Myles
    October 5, 2019

    Need credit repaired , this is the only way for me to go

  2. victor
    September 13, 2019

    Please advise on top 3 credit repair company in ontario canada…thanks

  3. Mike Jameson
    March 4, 2019

    Unfortunately my credit has been poor since I ran up debt in my earlier years,.
    I have tried for years to get a handle on it but it has been super tough. I have tried out some credit repair companies that I thought were reputable but they weren’t.
    They promised stuff they didn’t do and I lost tons of money. After really taking time to research a good company, I settled on CreditRepair.com. I was super nervous since I have had such bad luck, but I am seeing a difference..my credit score has been going up and that is amazing to see.

  4. Carmen Dozier
    February 7, 2019

    I just found out my credit report has a bunch of errors. I guess I should have been taking advantage of the free credit report you can get each year. Now I am at a loss about what to do. I was thinking about trying to repair my report on my own but I don’t want to mess anything up or miss something. I have been doing research on different companies and I am leaning towards Sky Blue or Lexington. I have read good things about both for the most part. Crossing my fingers that I choose the right one.

  5. Terry Sackett
    January 15, 2019

    I’m more than a bit skeptical of this Web site, to be honest. I’m surprised that there are only three companies out of hundreds, or possibly thousands, that rate this highly. How many were compared? Why are all of the comments so well written with no spelling or grammatical errors? That’s very atypical of the Internet. Which of these three operates this site? I’ll probably end up using one of these three, but I’m hesitant at the moment.

    Jus’ sayin’…

    • Craig Swill
      January 17, 2019

      Hi Terry,
      This site is not owned by any of the credit repair companies. We are very meticulous about our writing and research. I hope that the site provides you enough information to make an informed decision.
      Best of luck.

  6. Randy Lorenz
    January 9, 2019

    I was always skeptical of using a credit repair company but I decided to give Lexington Law a try. I am so glad I did. They have been so helpful in getting my credit score up. For the first time recently I was able to secure a loan with a low interest rate which I could have never gotten previously. I work tons of hours so doing this on my own was not an option. Whenever I had a question or wanted to get an update, customer service was always helpful and polite. Rare to find these days. I would recommend Lexington Law to anyone I know that needs help with their credit. It has really been a great experience overall.

  7. Lisa Solomon
    December 17, 2018

    I am looking for a honest company who is transparent about what they could do. I need to get some collections off my credit report. I want to choose a company that has great customer service and one that will be patient with me in explaining the whole process. I want to get my credit score up and be more informed moving forward so that I don’t fall into this position again.

  8. Martin Schwartz
    December 8, 2018

    Lexington Law has been really great to work with. In a few months they have helped me remove negative items from my credit report and get my credit score back in good standing.Their customer service was super helpful and friendly which was really nice considering that is hard to come by these days. Now that my credit is good, I will be able to buy my first home. Couldn’t be more excited. I also learned so much about credit management and credit repair. It has been a really good learning experience. I would definitely recommend Lexington law to anyone looking to get their credit back on track.

    • Craig Swill
      December 10, 2018

      Great to hear and good luck buying your first home.

  9. James Scalisi
    November 19, 2018

    I am going to need to get my credit report in order as I have a business opportunity coming up in the next couple of months. I have been researching credit repair companies day and night and I am trying to choose between Lexington Law and Creditrepair.com. I want to go with the company that not only knows their stuff inside and out but is not looking to take advantage of my situation. Looking for insight on which will be the best at getting my credit score up quickly!

  10. Brittany Salazar
    November 16, 2018

    Sky Blue was really good to work with. They were helpful and patient in answering all my questions and making sure I understood the process. Sign up was very easy and for once I feel positive about my future credit as I know I am in good hands. They seem to really know their stuff and I finally feel I am on the path to repairing my credit. Thumbs up for Sky blue.

  11. Chris Roberson
    November 13, 2018

    I spent a lot of time searching for the right company to go with to help me repair my credit. I’m trying to choose between Lexington and CreditRepair.com. I need help with items being removed and getting rid of a judgement. I also need to get my credit score up. I want the company I choose to easily accessible and obviously highly knowledgable. Any thoughts on which is the best one to go with? I have read similar reviews for both.

  12. Robert Sampson
    November 9, 2018

    CreditRepair.com has been great for me. They have made a big difference in boosting my credit score. They have also helped me get negative stuff off my report.
    It has helped reduce my stress level so much knowing there is someone who not only knows their stuff working on my behalf but they do so in a friendly and helpful way. Definitely recommend Creditrepair.com

  13. Lydia Rosen
    November 6, 2018

    I had a good overall experience with Lexington Law. They were able to get negative items off my report and really took the reigns in handling everything on my behalf. I have already recommended them to friends and family and if I need their services again, I would definitely use them. My credit score also went up over 80 points.

  14. Janice Sole
    November 2, 2018

    My husband and I were really unsure about contacting a credit repair company but I must say we had a great experience with Sky blue credit. Customer service went above and beyond to make sure we got the guidance and advice we needed to understand the process. They took my credit score from 550 to 700. They really know their stuff and were not pushy with their services. We highly recommend Sky Blue Credit!

  15. Catalina
    October 29, 2018

    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.

  16. Victor Russo
    October 24, 2018

    Has anyone used any of these credit repair companies? I am looking for feedback. My goal is to minimize the damage to my credit score from a bankruptcy filing.

  17. policies.google.com
    October 20, 2018

    Howdy! I simply want to offer you a big thumbs up for the excellent info you have right here on this post.
    I am returning to your blog for more soon.

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