The Best Credit Repair Companies of 2017

It’s important to choose a reputable and effective credit repair company, ideally one that’s also affordable with a money-back guarantee. There are unfortunate cases of so-called credit repair companies that turn out to be nothing more than scams. It’s incredibly important to do your research before paying and handing over your financial information to a credit repair service provider.

We’ve spent hundreds of hours researching and testing out the best credit repair companies of 2017. We don’t look at previous outdated or biased reviews when researching these companies. Read more about our methodology. Below is a summary of what we’ve found with more details for each company underneath.

Company Customer Satisfaction (60%) Cost (20%) Reputation (15%) Money-Back Guarantee (5%) Total Score
1
Ovation Credit
10.0 9.5 9.5 10.0 9.8
2
Sky Blue Credit
9.5 9.7 9.5 10.0 9.6
3
Lexington Law
9.5 9.0 10.0 0.0 9.0
4
The Credit People
8.0 10.0 9.0 9.0 8.6
5
CreditRepair.com
8.5 8.5 9.0 0.0 8.2
1

Ovation Credit

Score: 9.8

Summary:

We put Ovation Credit as the #1 credit repair company because of its consistently high consumer satisfaction ratings, affordable price point, and 100% service satisfaction guarantee. If you’re one of the few customers that try out Ovation Credit and don’t love it, you can easily get your money back.

Distinctive Features:

2

Sky Blue Credit

Score: 9.6

Summary

Sky Blue Credit is a great option for credit repair because of their A+ BBB rating, affordability, and having over 27+ years of experience.

Distinctive Features:

3

Lexington Law

Score: 9.0

Summary

Lexington Law is one of the oldest and most well-known credit repair companies. Lexington Law also offers many more advanced options than other credit repair companies, such as credit repair monitoring and ID theft protection. They’re slightly more expensive and don’t offer service guarantees, but that’s because they’re a popular and safe option amongst hundreds of thousands of consumers.

Distinctive Features:

4

The Credit People

Score: 8.6

Summary:

The Credit People is the most affordable option on our list, with just a $19 initial fee and $59 / month. Plus, it has a 100% money-back guarantee for the first 6 months if you’re not satisfied! It’s slightly lower on the list because it doesn’t come with advanced features and, because it’s a slightly smaller company, has more variability in customer satisfaction. Still, it’s a great option and has had many happy customers in the 15+ years it’s been in business.

Distinctive Features:

5

CreditRepair.com

Score: 8.2

Summary:

CreditRepair.com is on our top 5 list because of its depth of experience but revamped product amenities for the current age. It has 19+ years of experience and is owned by the same company as Lexington Law. However, it offers a free well-designed web portal and mobile apps to track your credit repair progress. Plus, it offers advanced features including credit monitoring and alerts. It’s a little pricier than the other top options at $99.95 / month, but the extras make it worthwhile for CreditRepair.com customers. Unfortunately, like Lexington Law, there is no service satisfaction guarantee.

Distinctive Features:

  • 24/7 Credit Monitoring & Alerts to keep you aware of the changes and updates on your credit report.
  • Free mobile apps to track and monitor your credit repair progress.
  • D rating from the BBB with many negative reviews. Of course, others have had great experiences with CreditRepair.com, but if you’re not one of them, you may have a hard time getting issues resolved.
  • Same company that owns Lexington Law, which is arguably the most popular credit repair service.
  • Been in business for 19+ years.