The Best Credit Repair Companies

The Best Credit Repair Companies of 2022

We decided to make a list of the best credit repair companies of 2022 that we believe have come through for their customers time and time again, operate from a moral place and have successfully wiped the slates clean of thousands of Americans who wish to get their credit score back on track.

The benefits of using a credit repair company are life changing. You could qualify for better jobs, lease a car, receive lower interest rates on your mortgage and become eligible for credit cards.

The best credit repair companies should be able to remove any unwanted activity from your credit report that could be keeping you from financial freedom including late payments, credit card history and identity theft charge-offs.

Credit repair companies are entirely legal and follow the laws set by The Fair Credit Reporting Act, The Fair Credit Billing Act and The Fair Debt Collections Processing Act.

It is every American’s right to request that any activity on their credit report that does not accurately reflect their behavior as a consumer be removed.

Here are the best credit repair companies of 2022:

1. Credit Saint

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Credit Saint is truly one of the best credit repair companies out there.

They offer 3 different credit repair programs: Credit Polish, ($79.99 per month), Credit Remodel ($99.99 per month) and Clean Slate (119.99 per month).

Pros:

Each program provides the following: challenges to 3 credit bureaus (Clean Slate challenges an unlimited number of bureaus), a score analysis, creditor interventions, a score tracker and inquiry targeting.

Credit Saint prides itself on its “custom complaints”. They really take your unique situation and banking history into account when approaching the credit bureaus

They have been in business for over 15 years and was at the top of Money.com‘s list of the best credit repair companies in the US.

Due to their extensive experience, they have a deep understanding of what it takes to repair credit and get their customers out of the credit debt cycle. They state on their website that if they think your case requires the help of a lawyer, they will happily steer you in that direction.

One really great thing about Credit Saint’s service is that they offer a 90-day money back guarantee. It often takes around 45 days to see results from a credit repair process, so Credit Saint gives their customers plenty of time to decide if they want to continue with their services. If not, they give a full refund.

Credit Saint is relatively on par pricing-wise with most other companies who fix credit.

Their Clean Slate program is a must for anyone looking for the most aggressive credit repair company that will guarantee a clear record.

Cons:

Credit Saint is not available in certain states like Georgia, South Carolina and Kansas. So if you reside in one of these areas you might have to look elsewhere for credit improvement services.

In general, Credit Saint is a great choice for people who have a complicated credit history that requires the attention of a team of highly knowledgable professionals. It’s one of the best credit repair companies out there.

2. Scoreably

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Scoreably is known to be one of the best credit repair companies in the industry.

Pros:

First of all, Scoreably pretty much guarantees that your credit will be fully repaired within 3 months. Some companies take up to 12 months, so the speed in which Scoreably works is definitely a plus.

They offer a full credit repair service which includes: challenges to all major bureaus (Equifax, Transunion, Experian etc…), cease and desist letters, a monthly credit analysis, unlimited dispute letters, identity theft insurance, a 90-day money back guarantee, and more.

Scoreably provides all of the above services for only $79 dollars per month.

Scoreably is known to repair your credit quickly. The amount of time is of course relative to the severity of your credit history, but many Scoreably reviews online have said that the service is way faster than other companies that help with credit. It is consistently ranked as one of the fastest and best credit repair companies around.

Cons:

Their cheap credit repair service is meant to serve a wide audience, so if you’re looking for a credit fixing company who specializes in a certain area or a complex issue, maybe Scoreably wouldn’t be the best choice.

However, if you are looking for a no frills solution to your low credit score, then Scoreably would be an excellent choice.

3. Credit Glory

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Credit Glory is based in the heart of NYC and is considered one of the best credit repair companies in the USA.

Pros:

They offer 3 different program tiers (similar to Credit Saint). Their most popular program is $99 per month and disputes all inaccurate items in your credit report. If you are a victim of identity theft then you will want to go with either their Single Inquiry or All Inquiries program.

For $79, Credit Glory will dispute one fraudulent inquiry and for $799, an unlimited amount.

Like the other companies mentioned in this “best credit repair companies of 2022” list, Credit Glory provides a free 15-minute consultation and a 90-day money back guarantee.

Credit Glory can take care of issues like: charge-offs, late payments, bankruptcies, late payments, repossessions and student loans.

Cons:

One thing Credit Glory does not offer is credit monitoring (which most of the best credit repair companies do).

According to an online Credit Glory review, they also do not pull your credit reports from the bureaus. If you want to use their services, you will have to provide your credit reports yourself from the major credit bureaus. This can be a bit of an inconvenience for people who don’t have the time or energy to contact each bureau for their report.

If you are looking for additional services like goodwill letters and debt validation, you might be out of luck. Credit Glory only really specializes in removing the negative items from your credit score.

Despite the limited services available, Credit Glory still ranks as one of the best credit repair companies of 2022 due to their simplicity and straight forward pricing.

4. Sky Blue Credit

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You might be noticing a trend with the price point of these credit repair companies. Sky Blue Credit offers only one program and it’s $79 per month with a $79 start up fee. They also have a couples plan, so when you sign up with a friend, they give you a combined price of $119 per month.

Pros:

In their credit repair plan, they provide: credit analysis, a rapid 35-day dispute cycle, score assistance, debt validation, credit rebuilding, goodwill letters and more.

They will even help you choose which items to dispute and in which order which not all companies will do for you.

Most people who use Sky Blue will report that their credit starts changing after 30 days making it one of the fastest of “the best credit repair companies of 2022”.

Sky Blue has also garnered a lot of positive reviews and attention. They have been given an A+ by the Better Business Bureau (BBB) which is no easy task.

What we really like about Sky Blue is their transparent pricing and simple program structure. They only offer one option and they include every service they have available. It makes the credit repair process easy and stress-free.

Cons:

The one big disadvantage to working with Sky Blue Credit is that they do not have a legal team and therefore aren’t able to advise you on any legal issues that might come up. So any disputes that Sky Blue is not able to solve within their own team will have to be relayed to your own chosen law office.

If you are an individual or couple that wants credit repair for cheap from a reputable, highly rated company then look no further than Sky Blue Credit. They have proven themselves to be one of the best credit repair companies of 2022.

5. Lexington Law

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Lexington Law is one of the oldest law firms in the US that specializes specifically in credit repair.

They offer 3 program options: Premier Plus ($129.95 per month), Concord Premier ($109.95 per month) and Concord Standard ($89.95 per month).

Pros:

You can see that Lexington Law is a bit more expensive than the other companies we’ve listed in this “best credit repair companies” article, however; the team behind Lexington Law is known to be highly professional with a track record of removing 7 million negative items from credit reports per year.

Lexington Law’s basic “Concord Standard” plan will get you disputes at the 3 major credit bureaus and will more or less guarantee you with a “fair” report.

As you move up the tiers you will enjoy additional services like a credit analysis, credit monitoring, cease and desist letters, FICO score tracking, identity theft protection and creditor interventions.

The plan you choose will all depend on how severe your past credit history is. The team at Lexington Law is highly knowledgable and would be able to guide you in what services you would need to clear up your unique credit record.

Cons:

There are a few things about Lexington Law that might hold you back from working with them. The first is the longer wait time. Due to their popularity, most customers will get their items removed in around 6 months (give or take). This is a lot longer than a company like Sky Blue where a 3-month process is almost always guaranteed.

Lexington Law is not the cheapest credit repair service. Compared to other legit credit repair companies, it’s quite pricey with it’s basic service starting at $89.95 per month (and this doesn’t include credit analysis or monitoring).

Even though it’s more expensive and slower than the competition, it’s still one of the best credit repair companies of 2022 due to its great track record and expert team.

6. The Credit People

The Credit People: The Best Credit Repair Companies
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The Credit People advertises themselves as: “your source for quick credit repair”.

They offer only two credit repair plans. The first is a monthly payment program which costs $79 per month, provides unlimited disputes and is set up as a pay-as-you-go structure. Customers can cancel anytime and if they aren’t seeing results fast enough, they are free to switch to another company or lawyer.

Their second plan is a flat rate membership which gives you 6 months paid in advance of unlimited disputes on behalf of your credit report.

Both plans provide unlimited disputes, creditor communication, debt validation, inquiry validation, free credit reports and scores and other help beyond credit repair.

Like most credit repair companies, The Credit People does not guarantee a specific time period in which your credit report will be improved. However, according to reviews online, they are known to work quickly and they even pull your credit reports for you when you sign up for their services (which not every company does).

One great thing about The Credit People is that they only charge $19 as a startup fee (whereas Sky Blue charges $79). This makes The Credit People the cheapest credit repair company on our list of the “best credit repair companies of 2022”.

When you sign up, they provide an online dashboard where you can monitor the progress of your credit report. This kind of transparency is very valuable especially with the long wait times that comes with most credit repair services.

Cons:

The Credit People definitely have the cheapest services, but their programs are relatively limited compared to the ones at, for example, Lexington Law. They provide just the basics, so if you have credit issues that are more complicated or you are looking to get help on something specific like a lower interest rate for your mortgage, then The Credit People may not be the best choice.

The Credit People also doesn’t have a live chat option or a mobile app. If keeping in touch with your credit repair agent is important to you, then you may want to choose a different service.

The Credit People provides a lot of freebies in its already cheap service. This is why we have included it in the best credit repair companies of 2022.

7. Ovation Credit Services

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Ovation Credit Services by LendingTree prides itself on transparency and educating their customers on not only erasing bad credit but how credit repair works and what they should do to maintain good credit once the process is complete.

Pros:

Because of this special edge, Ovation continues to be considered one of the best credit repair companies.

They offer two different programs: Essentials ($79 per month) and Essentials Plus ($109 per month).

The Essentials plan will give you your own credit repair advisor to walk you through the process, access to financial management tools and personalized dispute options.

The Essentials Plus plan gives you everything the Essentials gives you plus: unlimited challenge validation letters, unlimited goodwill letters, recommendation letters and Transunion credit monitoring (which other companies like Lexington Law does not provide).

Upon signing up, you will receive access to an online portal which tracks your credit repair progress in real time.

Cons:

Because of the “personalized” nature of Ovation’s credit repair service, it can be hard to get the attention of your assigned case manager. There have been some reviews online about Ovation that complain about this. However; the personalized touch is greatly appreciated by others.

The start-up fee for both the Essentials and Essentials Plus program is $89 which is relatively high compared to other credit repair companies we’ve talked about in this article.

Ovation also does not have a money-back guarantee which can be worrying for some.

If you are looking for more transparency and education in your credit repair process then Ovation Credit Services might be the perfect choice. There is a reason why we’ve included it in the best credit repair companies of 2022.

Takeaways: The Best Credit Repair Companies Of 2022

With so many choices out there, it can be hard to narrow down as to which credit repair company you should work with.

Some of the companies we listed have limited services but a lower price, others have a higher price with more services available like credit monitoring and cease and desist letters. Others bring something entirely different to the table like online trackers and educational materials.

Though it’s not possible to erase bad credit overnight, one of these reputable and legit credit repair companies will be able to help you eliminate negative items on your credit report that are keeping you from getting the employment, house or car you’ve been desiring and most can do it in about 3-6 months.

Just keep in mind that everyone’s credit history is different and you should be weary of any company who guarantees a clean slate in 30 days or less.

Although some people opt to repair their credit report on their own, employing the help from a credit repair service ensures that it’s done right. Choose any of the programs on our list of the best credit repair companies and get your financial freedom back.

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