4 Best Credit Repair Companies for 2024

Hand cleaning word credit with sponge.Having a spotted credit history is an unfortunate circumstance that can affect anyone. A missed payment (or two), a bankruptcy filing, or an account in collections each has a negative impact on your financial reputation, represented by your credit history report and score.

Bad credit gives future lenders, employers, and insurance companies a reason to deny your application for new credit, a new job, or a new insurance policy since you are deemed a higher risk than someone with healthy creditworthiness.

When you get into credit hot water, it may seem as though you have little recourse to correct the problem before it starts costing you. Fortunately, there are several reputable credit repair companies that can lend a necessary hand in getting your poor credit back on track this year.

Here is our review of the top four credit repair companies to help fix your credit report and improve your credit score in 2024.

1. Sky Blue Credit

Sky Blue Credit Repair logo.With a strong reputation among consumers seeking credit repair services, Sky Blue Credit is a legitimate credit repair company and strong option with more than 33 years in business. The organization has a high rating with the Better Business Bureau (BBB) due to its commitment to quality customer service, quick results, and affordable pricing.

What makes Sky Blue Credit truly stand out among credit repair firms is the company’s methodology behind its strategies; it has reviewed and tested different methods to dispute individual credit entries and understands which tactics work best to improve customers’ credit reports and scores over time.

The cost of working with Sky Blue Credit Repair is $79 per month after a $79 up-front setup fee due within 6 days of enrollment. The company promises to work through 15 disputed credit entries every 35 days (up to five for each credit reporting agency). Couples can get special pricing at $119 per month total after a $119 setup fee.

The monthly subscription program gives individuals the flexibility to correct credit issues plaguing their credit scores over time, and payment is only made after Sky Blue Credit completes the work – not in advance. When customers feel as though their credit is repaired enough, services may be canceled at any time without future obligation or penalty.

If you’re ready to rebuild your credit report and score with Sky Blue Credit, you can sign-up online, call the company, or read our Sky Blue Credit review for more information.

2. The Credit People

The Credit People logo.With just over 20 years of experience in the credit restoration industry and a high rating with the Better Business Bureau, The Credit People offers a solid option for credit improvement and repair.

The company’s claim to fame is the speed at which their credit experts get clients moving in the right direction with their financial lives. The Credit People credit repair offers both an inexpensive monthly membership plan and flat-fee service fees to meet the needs of a wide range of customers.

The monthly service is $79 per month beginning 7 days after the initial $19 evaluation and setup fee which includes your credit reports from Equifax, Experian, and Transunion. Or potential clients can choose the flat-rate fee option which is $419 for 6 months of credit repair services.

Customers can choose what works best for their budget, without any pressure of a contract or an obligation to work with the company for an extended period since there is a pay-as-you-go policy. The majority of their customers see positive results within the first 45-60 days.

If you’re ready to fix your credit with The Credit People, then you can sign-up online or contact them for free consultation by calling (380) 217-1814. Otherwise, check out our The Credit People review to learn more.

3. CreditRepair.com

CreditRepair.com logo.CreditRepair.com also offers professional services for individuals seeking to improve their credit report and score. The company has more than a decade of experience restoring credit for individual consumers.

What allows CreditRepair.com to stand out among other companies is its straightforward pricing, as well as score tracking, analysis, and credit monitoring features offered to customers. It is designed to offer an end-all solution to credit issues that drag down a credit score and customers’ ability to move ahead in their financial lives.

CreditRepair.com services are available with as little as a $69.95 first-work fee, which includes gathering your credit reports and a straightforward monthly charge of $69.95, 99.95, or 119.95 per month depending on which package option of the three you choose.

Credit monitoring is available at no extra charge to customers, and access to mobile alerts and a robust application are included in the cost. Customers working with CreditRepair.com can cancel their monthly subscription at any time, and there is no long-term contract to sign when starting services.

Additional information about the services CreditRepair.com credit repair offers can be gathered by calling the organization at (866) 573-0338, visiting the website online, or reading our CreditRepair.com review to learn more about fixing your credit rating with the specialists there.

4. Lexington Law

Lexington Law logo.With nearly two decades worth of expertise in the credit rebuilding field, Lexington Law is one of the most widely known credit repair companies. As a registered law firm, Lexington Law stands out as a top provider of quality credit repair, touting millions of credit report removals each year.

After a free consultation and credit report review, the organization works to dispute credit reporting information that could be negatively affecting a customer’s credit history file and score.

Customers working with Lexington Law for credit repair pay an initial setup fee that matches the service level desired and then a corresponding monthly subscription fee as low as $99.95 each month. There are also upgraded credit repair packages available, with plans at $119.95 and $139.95 per month.

The company offers a discount of up to 50% off when signing up with spouses and a 50% discount off the first-work fee for active-duty military members and veterans.

Customers of Lexington Law credit repair are under no obligation to continue services if they feel they no longer need it, and there is no penalty for canceling at any time.

Individuals interested in learning more about the Lexington Law firm can visit the website to sign-up online, contact the company directly by calling (855) 617-1318, or read our Lexington Law review for more information.

Best Credit Repair Companies Comparison Chart (2024)

CompanyYears in Bus.Initial Setup CostService FeeAdded Features
Sky Blue Credit34$0/$79$79 /mo.Debt validation, goodwill letters, negotiation guidance
The Credit People22$19$79 /mo.Free credit reports & score, unlimited disputes, inquiry validations
Credit Repair .com11$69.95$69.95 /mo.Free access to credit report summary, personalized dashboard, mobile app and monitoring alerts
Lexington Law19$99.95$99.95 /mo.Free credit report and score, licensed attorney / paralegal consultants, mobile app, ID theft protection

Final Thoughts on Using Credit Repair Companies

When you need your credit restored and don’t feel confident enough to go it alone, these top credit repair companies have your best interest in mind. Each works to rid your credit report of incorrect or inaccurate information which ultimately boosts your credit score.

A good credit report is of crucial importance when applying for credit and will help you get the best interest rate when trying to get approved for a credit card, home mortgage loan, auto loan, line of credit, and other types of secured and unsecured loans.

Furthermore, insurance agencies, background-check organizations, employers, and other types of businesses that are not creditors are checking your credit profile too these days. With a healthy credit history you will be able to achieve the next level of financial wellness without worrying about credit mishaps holding you back.

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Posted on February 14, 2022 by in Credit Monitoring

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