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Who We Are

Our goal is to help you make the right decision when it comes to finding the Best Credit Repair Company. With our in-depth reviews and ratings, we are able to provide you with insightful information that will guide you in selecting the right company.

We are an unbiased company that only wants to help people like you. We are here to make the process of choosing the best credit repair company quick and easy for you.

Choosing the Best Credit Repair Service

Bad credit is an issue many families unfortunately face, especially in today’s dismal economic situation. Having a poor credit score can affect your financial health negatively – you may end up having higher interest rates, rejected loan applications, and other things. This is the reason thousands of people have contacted credit repair companies as a first step to getting better their lives by letting these companies fix their credit and improve their FICO scores.

Credit repair services, as their name suggests, work by helping to remove things in your credit report that contribute to a negative score. These may include late payments, liens, repossessions, foreclosures, or even incorrect information, among others. Finding the best credit repair company often seems intimidating, however. The fact there are many companies to choose from often scares people away, because how are you supposed to find which ones are reputable?

This is where we come in – we’ve researched and reviewed many of the top credit repair companies and have concluded which services gave the best results and highest satisfaction rates among their clients.

credit repair

Does Credit Repair Really Work?

Credit Repair

It’s easy to understand why many people are skeptical about credit repair. We all have the right to know if a service works or does more damage than repair. After reviewing some of the most popular agencies, we can definitely conclude that these companies do what they are paid for. While not all companies offer the exact same services, they all do things via their own methods for removing negative items from your credit report.

To give you an idea of what results to expect, Lexington Law claims they can remove an average of 10 negative items from a client’s credit report. Most companies are confident enough in their claims that they offer money-back guarantees if you’re unsatisfied with their services. In addition, most companies also offer free evaluation so they can assess if they can really help your situation improve before you commit to them.

How We Ranked the Best Credit Repair Companies

CompanyYearsBBB RatingOur RatingOfficial Site
26A+98Visit Site
10A+97Visit Site
7A91Visit Site
99B+88Visit Site
2A82Visit Site
CompanyBBB Rating
CompanyOur Rating
CompanyOfficial Site
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How do These Credit Repair Companies Work?

Because you’re trying to fix your credit score and report, you want your investment to be worth it. You don’t want to shell out a lot of money only to realize it didn’t help your situation as much. Companies that claim to help fix your credit have to be upfront with what they can and cannot do for you. Good companies should be able to remove negative items from your report and improve your FICO score, so you would be able to get a home, car, mortgage, or insurance more easily.

Most credit repair agencies do the following:

  1. Getting your credit report from the 3 major credit bureaus (Equifax, Experian, and TransUnion)
  2. Finding specific items in your credit report which can be disputed.
  3. Filing credit disputes on your behalf.
  4. Communicating with creditors and credit bureaus on your behalf so these negative items can be removed as soon as possible.
Credit Repair Companies

Are Credit Repair Companies Worth It?

Depending on which company you decide to go with, services often range $59.95 to $99.95 a month. However, you can cancel their service any time as there are no long-term contracts.

Because having a bad credit score means you have to pay extra due to high interest charges, we think getting this fixed by investing in one of the best credit repair services is definitely worth the cost. A better FICO score can get you better interest rates on credit cards, loans, mortgages, and more. Conversely, a poor credit score does the opposite, so you need to fix your credit fast as these services can help you achieve the best results in the shortest amount of time.

Factors to Consider Before Picking a Credit Repair Company

We’re betting that if you’re taking the time to read this, your personal finances are important to you. This is the reason it’s very important to do your research before settling on a credit repair company that will help you repair your credit.


Look for warning signs. Upfront fees are the first warning sign to avoid a credit repair agency. No reputable company should ask you to pay upfront costs – only after they’ve rendered the services they’ve promised.


Research and learn at least the basic things that are negatively affecting your credit score. You can always find some free, credible resources online that can help you get a copy of your credit report. Often, your bank can also provide a free report.


Know your rights. The Fair Credit Billing Act of 1974 was enacted so consumers are protected from unfair credit billing practices. This act provides the guidelines for procedures to follow whenever filing disputes in billing statements.

Questions You Should Ask Your Credit Repair Company

1. Are You Insured and Licensed?

One of the most important things to ask is if the credit repair company is fully-bonded, insured, and of course, licensed. Without these, you could end up in more trouble in case you run into any issues with them. Trustworthy credit repair companies should have no problem showing you their credentials to prove their legitimacy.

2. What Information Will I Need to Provide?

While credit repair companies are unique from each other, FICO will always be the constant. However, some agencies know there are ways to make it easy for consumers to improve their credit score without the need to submit too much paperwork and yet still charge you for it. To be safe, you should gather as much personal and business-related information as you can before contacting any credit repair company. Such documents may include:

  1. Identification (for example, government-issued photo ID or passport)
  2. Current address
  3. Employment Information
  4. Bank Account Numbers
  5. Bank and Credit Card Balances
  6. List of Debts
  7. List of Assets
  8. Contact Information
  9. Social Security Number
  10. EIN (especially if you own a business)
  11. Bankruptcy Paperwork
  12. Divorce Decrees
3. What Factors Affect My Credit Score?

It’s sometimes difficult to tell if you’ve found the right credit repair company to help you if you don’t know enough about what they do – you need to at least know the process so you can tell if they’re doing their job and doing it right. Always ask about the contributing factors in improving your credit rating. Ask them about things like the age of your account, debt-to-income ratio, and inquiries. A legitimate and good credit repair company should be well-versed in these things, but remember they should also know how to fix them.

4. How Can I Contact You If I Have Concerns?

A company’s customer service can tell you so much about the agency itself. Here are some guide questions in determining if they are up to par with the competition:

  • Does the business give me the ability to maintain an open line of communication with whoever is my appointed counselor?
  • Are there core operating hours, or will I only be able to call in with questions as they arise?
  • What are my rights and responsibilities while they’re repairing my credit?
  • Are there any penalties if I choose to cancel?
  • What happens if I end up being dissatisfied with the outcome of my credit repair?
  • What will my involvement look like in restoring my credit?

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