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.

There are several credit repair companies out there; all claim to help you improve your FICO score and remove the questionable items from your credit report. If you are puzzled which company can provide you the best credit repair services, then our list of the top credit repair companies will certainly help you make an informed decision. 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 We don’t look at previous outdated or biased reviews when researching these companies.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.

CompanyCustomer Satisfaction (60%)Cost (20%)Reputation (15%)Money-Back Guarantee (5%)Total Score
1
Sky Blue Credit
9.89.89.710.09.8
2
Ovation Credit
9.59.59.510.09.6
3
Lexington Law
9.59.010.00.09.0
4
The Credit People
8.010.09.09.08.6
5
CreditRepair.com
8.58.59.00.08.2
1

Sky Blue Credit

Score: 9.8

Summary

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

This credit repair and restoration company has been in business since 1989 and is licensed and registered with the State Attorney General’s office and bonded.

Distinctive Features:

2

Ovation Credit

Score: 9.6

Summary:

Ovation Credit is an excellent choice for a 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:

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 of best credit repair companies, 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 of our best credit repair companies 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.

5 Comments

    Frank Webster

    Ovation Credit was very professional and effective. I signed up in about 10 minutes online, sent them my Experian report, gave them some additional information about what I wanted to dispute, and they took care of the rest.

    Dawn

    We went with Sky Blue Credit, and they’ve been great so far. I wanted to add that all of these companies actually have great couples or spouses discounts, so you should look into that if you’re interested. Thanks for the guide and for the other credit repair information you have on your site. It’s super helpful!

    Tom J

    In your experience, how long does it generally take until you can start seeing results with a credit repair company? I noticed that quite a few of these credit repair services have money back guarantees, but they have a time limit or some restriction like I can only dispute month by month. So, I wonder what the general timeline is before I try another company or something else to fix my credit score. And what other people do. Do they use one credit repair company, or multiple if the first one doesn’t work out? Thanks, just want to know what the process is like (worst case).

    henry logan

    thx for the reviews. i went with ovation credit and in the first 2 months, my credit score increased a bunch (trust me…it was not good lol). i’m sure the other companies are great too, just wanted to say that ovation credit has been really great for me so far

    Helen T

    I originally was going to sign up with lexington law but lexington law cost is a bit high compared to the other credit repair companies out there. Instead I signed up with sky blue credit and it’s been great so far. Credit score has gone from 650 to 690 in the last 2 months and I’m hoping to get to 700 this month! I know I could have repaired my credit on my own but working with a reputable credit repair company has been very helpful and a huge time-saver.

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