9 Best Credit Repair Companies to Choose From in 2022

A quick search for the “best credit repair companies” on Google will bring up some pretty similar results. Unfortunately, it seems that many sites may have replicated the order of their top picks and haven’t updated their research for 2022.  

If you really want to repair your credit on your own, check out the new eBook I wrote for you, Credit Repair 101. Simple instructions and illustrations will help you learn how to boost your Credit Score, and other amazing credit tips & tricks. Check out the samples on the product page.

We’ve put together a top 9 list of credit repair companies. It’s based on how fast they can deal with your credit score issues and the quality of service they offer.

Plus, we’ll give you an in-depth summary of each company so you can gain good insight about what to expect with each one.

In the end, most people want a fast and proven solution when looking to fix their bad credit. After all, the sooner you can improve your credit score, the quicker you can move on with your life. 

So with all this in mind, you can check out my Guide to Understanding and Acting on Credit Repair Reviews first or read on to learn what a good credit repair company should offer these days.

Our best credit repair companies to choose from in 2022

  • Credit Saint – Best Overall
  • Ovation Credit Repair – Best for Discounts
  • Lexington Law – Leader in Credit Repair Industry
  • Pyramid Credit Repair – Best for Married
  • CreditRepair.com – Best for Simplicity
  • Sky Blue Credit – Best for Flexible Subscriptions
  • The Credit Pros – Best Bonus Features
  • The Credit People – Best Guarantee
  • A.M.B. Credit Consultants – Best for DIY Credit Repair

Best Credit Repair Reviews

Here is our in-depth summary of each company so you can gain good insight into what to expect from each one.

1. Credit Saint

The Better Business Bureau consistently gives Credit Saint an A+ rating, which is unique among credit repair companies.

Credit Saint allocates each customer to a personal advisory team of credit experts who keep track of their case and phone to provide updates and answer issues regularly.

Credit Polish, Credit Remodel, and Clean Slate are the three service packages available from Credit Saint. And, each one has a 90-day money-back guarantee, as well as a free introductory consultation.

The Credit Polish plan is the most basic package. You can use this plan if you have a few unfavorable things on your credit report. The other plans offer more in-depth credit repair strategies if you want a more aggressive approach.

2. Ovation Credit

The monthly rates for this credit repair organization are reasonable, making it one of the most cost-effective solutions. In addition, you receive a complimentary consultation during their first session. Then, during the discussion, the advisor examines your credit history in detail to discover the best remedies for each issue.

Further down the line, an Ovation Credit Services advisor will submit disputes on your behalf. The advisor may have to challenge late payments with creditors. Plus, they can write goodwill letters as part of the procedure.

They bill their Essentials credit repair program every month. It provides 24-hour access to your case, as well as access to their online dispute service. Furthermore, you receive live updates from Ovation Credit Services professionals.

Unlimited challenge validation and unlimited creditor goodwill letters are included when you upgrade to the Essentials Plus package. In addition, TransUnion Credit Monitoring is included, as well as a tailored creditor recommendation letter. 

3. Lexington Law

Lexington Law, which was created in 1991, is one of the best credit repair firms in terms of experience.

It is now one of the largest credit repair companies in the United States. This firm includes a staff of lawyers and paralegals who go by the method of using certain laws to preserve your credit. 

Lexington Law offers three different packages to meet the needs of various customers.

The Concord standard service is the most basic, and it entails disputing negative items with the customer’s creditors and the three major credit bureaus.

The Concord premium package is the next level up. On top of the standard services, you also get a score analysis and TransUnion alerts. Plus, you gain from the removal of hard inquiries.

The PremierPlus package is Lexington Law’s most comprehensive credit repair service. This plan offers personal ID theft protection, finance tools, and FICO score tracker, along with the services provided by the other packages.

4. Pyramid Credit Repair

Pyramid, founded in 2012, assigns a Personal Account Manager to each customer to assist them throughout the credit rehabilitation process.

They will assist you in acquiring your credit score and offer a free initial assessment to determine whether the program is suited for you. While your account manager will be your primary point of contact, you will also have access to a team of credit experts.

Pyramid Credit Repair values its customers’ privacy and mentions they will never share your credit information without your permission. Their website is one of the better ones out there, as it adheres to accessibility standards that many others do not.

The Better Business Bureau does not accredit Pyramid Credit Repair. Yet, Pyramid does have a high Trustpilot rating and consistently favorable customer feedback.

They also provide a 90-day money-back promise that is conditional. And they have a solid reputation for good customer service.

5. CreditRepair.com

Founded in 2012, CreditRepair.com has some decent reviews from previous customers, and so it’s worth checking out.

After joining up with CreditRepair.com, they will work to detect any deceptive, invalid, or erroneous entries. The team then prepares a personalized credit repair strategy to assist in restoring positive credit, using various approaches to do so.

CreditRepair.com offers three different packages from which consumers can choose the one that best suits their needs.

The cheapest choice is Direct, which is their entry-level package. It’s best for folks who only have a few negative things on their record. Each month, the bundle offers 15 negative item challenges as well as three creditor disputes.

In the standard plan, you benefit from more comprehensive services such as credit monitoring 24 hours a day and hard inquiry challenges, for example. This plan pretty much falls in line with other standard programs offered by credit repair companies. 

CreditRepair.com’s Advanced package is a complete credit restoration solution. This program includes numerous financial tools that can help you improve your credit score with better precision.

6. Sky Blue Credit

Sky Blue Credit is one of the best solutions if you’re looking for a service that provides good value for money. The free services for the first six days offer transparent pricing and a money-back guarantee of 90 days. As a result, Sky Blue Credit is an excellent option for consumers on a tight budget.

Unlike other credit repair companies that provide multiple packages, Sky Blue Credit charges a monthly flat payment for all of its services. Every 35 days, the services include the dispute of five items with the main credit bureaus.

Customers who sign up for Sky Blue Credit receive a review of their credit history, with any potentially damaging inaccuracies highlighted. This company’s team then submits dispute letters on your behalf and verify the statute of limitations for any obligations.

7. The Credit Pros

The Credit Pros has an A+ rating from the Better Business Bureau and has been in business for over 12 years.

They offer three different programs to satisfy different credit restoration needs.

Their Money Management package is the most basic option, and it includes dark web and identity monitoring and TransUnion monitoring. You can also use their CashRules finance manager to integrate banks, receive alerts, track transactions, and set budgets.

The Prosperity package is a mid-level option. With this, you get a three-bureau credit repair in addition to everything from the entry-level service.

The Success package is the most comprehensive and expensive option offered by Credit Pros. You receive a guaranteed line of credit of $1,500 in addition to all of the services in the other plans.

Repayments are also reported to TransUnion and Experian by the credit repair business, allowing you to establish a good credit history.

8. The Credit People

Open for over 15 years now; the Credit People is a well-established credit restoration company. You can choose between a flat-rate service plan spanning over six months or a monthly pay-as-you-go setup.

Customers can check out the services for a week for a modest price before deciding whether or not to keep using them. Also, they offer a 60-day money-back guarantee.

If you’re someone that regards customer service as a critical factor when choosing a credit repair company, then The Credit People are up there.

9. A.M.B. Credit Consultants

A.M.B. Credit Consultants aims to enable you to deal with your bad credit by providing better financial education.

From 2007, A.M.B. Credit Consultants has been assisting Americans in improving their credit. The company, situated in Dallas, Texas, focuses on enhancing credit reports. And, aims to empower customers through client advocacy and advice.

Ultimately, A.M.B. Credit Consultants can help you recognize and correct the destructive financial behaviors that contribute to your poor credit in the first place. But keep in mind, they are not representatives for you.

Why Opt for Credit Repair Companies?

If you have bad credit, you can have trouble renting an apartment, qualifying for a personal loan, or even getting a credit card.

Credit repair organizations frequently promise to enhance your credit in exchange for a fee. In return, they help you become a better candidate when applying for financial services.

These businesses often offer to analyze your credit reports. And, if necessary, contact the credit bureaus on your behalf to address any unfavorable entries.

Bear in mind; you can do these things yourself, but you might not have the confidence or know-how to do them. Plus, you may not have the time to run through the monotony of correcting your credit score alone. Instead, you may have several responsibilities making it illogical to go it alone.

In effect, top credit repair companies handle all the heavy lifting that you would otherwise need to do. They have trained experts that deal with all the minor details to boost your credit

Moreover, many of these companies offer you different plans you can opt for depending on your needs and circumstances.

The Best Credit Repair Companies 2022

Now that we’ve run through the best credit repair companies, we hope you feel informed enough to know which might suit your needs best.

Most people want a speedy solution to their credit issues, and so that’s why Credit Saint is at the top of the list. It’s forward-thinking and is rapidly proving itself as a powerful credit repair solution for folks across America.

If you really want to step up your game, check out the new eBook I wrote for you, Credit Repair 101Simple instructions and illustrations will help you learn how to boost your Credit Score, and other amazing credit tips & tricks. Check out the samples on the product page.

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William Anthony is an Entrepreneur, Strategist, and Blogger. Back in 2015 when He checked his credit score, it was lower than 500. That's not even a passing grade! Since then He always wanted to know more about how credit works, and for the last 7 years, He has researched and tested all things about Credit Score, Credit Card, etc. And now, after succeeding in many cases in His Credit Score Journey, He wants to share all of his experiences with you guys. Hope that reading articles about Credit Score, Credit Cards, Credit Repair, etc. will become more clear for your own Credit Journey.

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