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Read reviews for the best credit repair companies
Detailed rankings and reviews of top credit repair companies written by credit repair experts

Top Credit Repair Companies

A summary of the best credit repair companies
Company Score Initial $ Monthly $ BBB Guarantee Experience
Ovation Credit
9.8 $89 $59 A+ 100% Satisfaction 15+ Years
Summary: Ovation Credit is our top ranked credit repair company because it has the highest customer satisfaction rankings from Consumer Affairs, including an A+ rating from the BBB. Further, Ovation Credit is very affordable, with a low monthly fee of just $59. One of the best features, however, is that Ovation Credit has an excellent money-back guarantee policy. If you are unsatisfied with the credit fix services provided in any month, you can easily receive your money back. This is important because everyone's credit situation is a bit different, so it's important to know that Ovation Credit is aligned with your interests.
Sky Blue Credit
9.6 $59 $59 A+ 90 Day Money-Back 27+ Years
Summary: Sky Blue Credit has a strong reputation built over a quarter of a century with a proven track record of satisfied customers. Sky Blue Credit has secured and maintained an A+ rating with the BBB, and it is the best value for the money. The initial one-time cost is only $59 to get started, in addition to a low monthly rate of $59. Sky Blue Credit also offers a 100% money back guarantee in the first 90 days, if you're not satisfied with their credit repair services. Sky Blue Credit is a very safe reputable credit repair company to begin fixing your credit score and credit history.
Lexington Law
9.0 $99.95 $79.95 NR None 25+ Years
Summary: Lexington Law is arguably the most well-known credit repair company, having helped hundreds of thousands of clients over the 25+ years that they've been around for. Overall, they are a more premium service, as they charge an initial fee of $99.95 along with a $79.95 monthly fee. Also, they don't have a service guarantee to fix your credit. On the flip side, they allow you to purchase more additional features in addition to the standard credit repair, such as credit repair monitoring, identity theft protection, and more. They currently do not have a rating from the BBB.
The Credit People
8.6 $19 $59 C- 100% Satisfaction 15+ Years
Summary: The Credit People is a credit repair company with the best price: only a $19 initial fee along with a $59 monthly fee. Further, The Credit People offers an excellent money back guarantee; if you're not satisfied with a month's services, you can get the charge waived for that month. The Credit People has serviced over 100,000 clients. However, they deliver a less consistent service to their customers, and their current BBB rating is a C-. Still, they have had many satisfied customers over the years, and they're the most affordable out of the reputable credit repair companies.
8.2 $14.95 $99.95 NR None 19+ Years
Summary: is a premium service similar to Lexington Law, due to its high monthly fee of $99.95. In fact, both and Lexington Law are run by the same company. is a newer service that has free digital products to help with increasing your credit score, such as a nice web portal and free mobile apps for tracking progress on credit repair. Like Lexington Law, does not offer a service guarantee, so you won't be able to get any money back if they're not able to fix your credit. They currently do not have a rating from the BBB.

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We started Credit Upflow because we wished this resource was around for us. We struggled with many basic questions about credit restoration like how to fix bad credit fast, if there was such a thing as legit credit repair, and what the best credit repair companies were. After countless hours spent researching for ourselves, we decided to put our knowledge online to help others. That’s why we created a comprehensive, unbiased source for the best ways to fix credit, including a guide for how to repair your credit yourself. We know that this site would have been useful for us when we needed it, and we hope that it’s useful for you, too.