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Best Credit Repair Services of 2023

Hiring a decent credit repair firm to handle the procedure for you if you want to boost your credit rating or fix errors on your credit report is a smart choice. The greatest credit repair firms work with the major credit bureaus to eliminate damaging items from your credit files, such as charge-offs, late payments, debt collections, and bankruptcies. When searching for the finest credit repair organization for your requirements, we’ve evaluated the most prominent credit repair businesses on factors including performance, client reviews, speed of results, company reputation, and pricing. Here are some top credit repair organizations if you want to improve your credit score and save thousands of dollars in interest payments annually.

List of the Best Credit Repair Services

  • Sky Blue Credit – Most Affordable Credit Repair
  • Lexington Law – Best Premium Credit Repair
  • Credit Saint – Best Refund Policy

Sky Blue

What they help with:

  • Free credit report analysis
  • No strict contracts (you cancel any time)
  • No first work fee and no charge for the first 6 days
  • You get all services included for one affordable monthly fee
  • There’s a 90-day money-back guarantee policy
  • Clean up errors on your credit report


With Sky Blue Credit, you can save a substantial amount of money on credit repair by paying a flat monthly price of $79 rather than choosing between a range of credit repair services and levels of service (which can be confusing). Sky Blue Credit repairs 15 issues on your credit report (five per bureau) every 35 days for a flat fee of $79. This is a fantastic value compared to credit repair firms that dispute issues every 45 to 60 days and charge you for it as a result. Problems with your credit history may be identified and corrected by Sky Blue Credit once you register. Once you register with Sky Blue, you will receive a detailed report of your credit history, including any hard-to-spot errors that may be harming you.

Why it makes the list

In addition to sending personalized dispute letters, Sky Blue credit pros will also send re-disputation letters if necessary. They also check the statute of limitations for any debt you have. Sky Blue Credit provides its services free of charge for the first six days and offers a 90-day money-back guarantee. Given its low fees, Sky Blue Credit is a great option if you want credit repair services. Sky Blue Credit provides their services free of charge for the first 6 days while they gather your reports, as well as an impressive 90-day money-back guarantee. Sky Blue Credit is a wonderful choice if you’re looking for high-quality credit repair services on a budget. Did we also mention that they offer discounts for couples?

Lexington Law

What they help with:

  • Military Service
  • Student Debt
  • Medical Bills
  • Divorce
  • Identity Theft


You receive a copy of your credit reports and then Lexington Law examines them for detrimental items that are harming your score. After you receive an online dashboard, you will be able to track your progress every step of the way as well as see how you can repair your credit even faster. They will provide you with an online dashboard so that you can monitor your progress every step of the way. Lexington Law provides three credit repair packages to fit your requirements, starting at $89.95 per month. They will take care of your monetary issues for $89.95 a month with their basic package.

Why it makes the list

The Premier package includes everything in the standard service as well as score analysis, TransUnion alerts, and hard inquiry removal for $109.95 per month. Their most sophisticated service is the PremierPlus credit repair program, which includes everything in the previous packages in addition to cease and desist letters, a FICO score tracker, identity theft protection, and a suite of personal finance tools. It costs $129.95 per month. Lexington Law is one of the most experienced credit repair companies. Despite the higher cost, their work is outstanding.

Credit Saint

What they help with:

  • Repossessions
  • Collections
  • Judgments
  • Late payments
  • Liens
  • Credit inquiries
  • Bankruptcies


Credit Saint has been in operation for 17 years and has built a strong reputation in the market. It provides a free assessment for new clients and handles all communications with credit bureaus if the client selects one of its packages. Customers may select from three different packages, which start at $79.99 per month with a $99 setup fee.

Why it makes the list

Credit Saint offers a 90-day, money-back guarantee to guarantee consumer confidence. Credit Saint’s guarantee states, “If you sign up for any of our services and do not see your credit cleared of questionable material after 90 days, you will be given a full refund.” Customers are additionally required to be “active participants in the program” for 90 days and “eligibility for a refund does not begin until day 90.”

The most significant credit repair services charge around $100 per month. Credit Saint has a $79.99 per month service named Credit Polish that is designed for individuals who want less assistance fixing their credit reports. You may pay $99 once you have signed up for the Credit Polish plan, as long as you have just a few bad credit items on your report.

However, even with the lower monthly payment, you would be served by experts in the industry, along with the 90-day money-back guarantee. As of March 31, 21, these prices and plans are current. We will discuss them in more detail later.

Are Credit Repair Companies Worth the Time?

All in all, yes, considering a bad credit score is preventing you from getting a loan or driving up your interest rate, credit repair companies may be worth the investment. Although you may repair your own credit yourself, it would be a time-consuming process. Credit repair companies can take care of everything for you, from A to Z. They’ll help you collect credit reports, identify damaging factors, and negotiate with your creditors on your behalf.

Credit Repair Service FAQs

How do you repair your credit?

There are a number of ways to repair your credit including paying down old debts, negotiating with debt collectors, and resolving general credit issues. The best option is to consult with a professional credit repair service.

How does credit repair work?

Credit repair is done by communicating and sometimes even negotiating with credit bureaus, debt collectors, banks, and other financial service companies. These conversations allow debtors and those with damaged credit to make financial amends with those seeking payment or reimbursement.

How much does credit repair cost?

Credit repair costs typically range between $79.99 to $129.99 per month.

How long does credit repair take?

On average, credit repair takes between three to six months in order to resolve most of the major issues. Everyone’s experience will vary depending on the level of credit repair needed.