The Best Credit Repair Companies

We get asked the same questions everyday by our subscribers: “What is the best credit repair company?” and “Who can I trust with my credit?”

At AAACreditGuide, we understand how challenging life can be with bad credit and we know how difficult it can be to find a trustworthy credit repair service.

Our team of credit repair experts have carefully reviewed the top credit repair companies and interviewed many of their past clients. To make it easy on you, we came up with the top 5 (out of 100’s to chose from) and are more than happy to share our results with you below.

(Updated August 2015)

Lexington Law Firm#1 Lexington Law

(Our #1 Recommendation)

  • Cost: $99.95 Setup – As Low as $59.95/mo.
  • $50 Discount for Couples, Family Members, & Active Military
  • Over 24 Years of Experience
  • Free Credit Report Summary
  • Free Credit Score
  • No Contract – Cancel Anytime

Quick Review:

Lexington Law is the leading firm in credit report repair. They’re actually a real law firm. They have 22 lawyers and over 400 paralegals. They are an easy pick at #1 because of their proven results, outstanding customer service and affordability.

Past Clients:

“I am very happy with the results that your firm has provided for me. I am now able to get loans and credit cards that were impossible for me to get earlier without your help. I’ve had a total of 15 deletions and I thank you for helping me not have to wait seven years before I am able to start over again with my credit. Thank you.” – K.C.

“I am so impressed by your incredible attention to the customer. Retaining your company was the best thing we have ever done. Thanks so much for all the hard work!” – J.W.

“I have to admit I was a little skeptical at first, but after seeing what you were able to do with my credit after only a few months, it is very reassuring. Thank you for everything you are doing for me and please pass on to your staff my appreciation for all of their hard work.” – T.C.

Visit Lexington Law

or Call (800) 220-0084 for a FREE Consultation.

Credit Repair Companies - Sky Blue Credit Repair#2 Sky Blue

  • Cost: $59 Set Up – Only $59/mo.
  • Special Couples Pricing: $99 Setup & $99 Per Month
  • Over 26 Years of Experience
  • 100% Money Back Guarantee
  • A+ BBB Rating
  • No Contract – Cancel Anytime

Quick Review:

Sky Blue is another great credit repair company; some consider them the best. They dispute items faster than most credit repair companies by starting out with 15 items (5 items per bureau) every 35 days. What does this mean for you? If you have a lot of negative items on your credit report, it’s going to be cheaper for you because your credit will be repaired faster. Their prices are already some of the best in the business, so you can see why they are one of our top picks. Bottom line: They provide exceptional customer service, are very easy to deal with, and they get results.

Past Clients:

“An absolutely fantastic experience from the start, brilliant and friendly. I recommend Sky Blue Credit Repair to anyone with credit issues.” – R.B.

“The bad marks on my credit report are gone, my scores are up, and I was just told that my credit report is “solid gold”. I feel like a new person! Thank you so much!” – D.W.

“I’ve been so impressed with everything – from the customer service to the awesome results. Sky Blue is the gold standard for credit repair.” – R.H.

Visit Sky Blue Credit

or Call (888) 906-1325 for a FREE Consultation.

  • Cost: $12.95 Setup – Only $89.95/mo.
  • Over 18 Years of Experience
  • A+ BBB Rating
  • TransUnion Credit Monitoring at No Extra Charge
  • Score Tracking and Analysis
  • Mobile App and Alerts
  • No Contract – Cancel Anytime

Quick Review: is quickly becoming one of the most popular credit repair options for people with bad credit. They’re designed to be a one-stop solution for customers who want credit repair and credit monitoring all-in-one. Their comprehensive solution allows people to stay on top of their credit scores 24/7, even when they are away from the computer. The included credit monitoring from TransUnion adds significant value as most credit monitoring services can cost anywhere from $25 per month and up.

This service is best for people who want continual information about the credit repair process. provides both email and text alerts when significant changes are found on your credit report. Being alerted to these changes right away can ensure that false or misleading information is removed from your credit report as quickly as possible.

Bottom line: if you want both credit repair and credit monitoring all-in-one, is an excellent choice. As an A+ rated company with the Better Business Bureau, you can trust to provide you with top quality service and assistance with getting your credit back on track.

Past Clients:

“Thanks to, I’ve finally been able to qualify for an auto loan to get a much-needed new vehicle for the family! In just one month I’ve had two negative items removed that were keeping me from being able to qualify for the loan that we needed. Can’t say thank you enough!” – D. Dublin, TX

“We were hoping to qualify for a new home while the interest rates at the banks were low. Three charge-offs meant that we couldn’t qualify for a bank loan and I thought we would have to give up moving into our dream home. Working with credit was the best choice that we could’ve ever made. We closed on our home three months after they cleaned up our report!” – T. Salem, MA

“Charge-offs from medical bills and a bankruptcy due to health issues had ruined my credit. It was impossible for me to qualify for even the worst credit cards, and I had a lot of difficulty getting back on my feet. helped me turn things around and stopped the debt collectors from listing and relisting old debts. Awesome work!” – S. Savannah, GA


or Call (855) 255-0265 for a Free Consultation!

The Credit People Website#4 The Credit People

  • Cost: $19 Set Up – 3 Payments $89
  • Set Up Fee Waived with Upfront Payment
  • No Ongoing Monthly Fees
  • Over 14 Years of Experience
  • 100% Money Back Guarantee
  • No Contract – Cancel Anytime

Quick Review:

The Credit People is a proven credit repair company with over 14 years of experience helping people with bad credit. They are a great alternative to some of their better known competition. They’re unique because they don’t charge a monthly fee and they obtain your initial credit reports completely free. They offer two payment options – you can either pay the entire cost up front or break it up into smaller payments. There is also a full money-back satisfaction guarantee.

Past Clients:

“If I would have known how easy it was to fix my credit, I would have done it a long time ago. The interest on my credit card alone was almost as much as the payment! Now I’ve got a credit card at only 9.9%. I was approved for a great deal on a car too!” – D.K.

“After your service I knew any idiot (including me) could get their credit fixed. As long as they could click a button they could do this. I went through your site and the next thing I knew, my credit was in good standings.” – R.M.

Visit The Credit People

or Call (866) 875-1478 for a FREE Consultation.

Ovation Credit Services#5 Ovation Credit Services

  • Cost: $89.00 Setup – As Low as $49.00/mo.
  • Special Fast Track Same-Day Service
  • Identity Optimization Services
  • A+ BBB Rating
  • Discounts for Couples, Family Members, & Friends
  • Discounts for Seniors & Military
  • No Contract – Cancel Anytime

Quick Review:

In terms of affordability and the sheer number of discounts for top-quality credit repair, no one beats Ovation Credit Services. This is also the only credit repair company that allows roommates, friends, and unmarried couples to share credit repair services and enjoy a significant discount on subscription fees as well.

This distinction is important, because oftentimes people living in similar situations will have similar credit issues. For example, two roommates may take a hit to their credit report because a third roommate leaves or breaks the rental contract in some way. With most credit repair companies, these two roommates would have to handle their cases separately, but with Ovation they can work together to dispute inaccuracies that are affecting their credit.

Bottom line: Ovation provides exceptional credit repair services at an affordable rate that almost anyone can fit into their budget. We highly recommend calling to speak with one of their case managers before you sign up, to find out just how much Ovation Credit can help you with your current situation.

Past Clients:

“Amazing results! Tried doing this on my own for months, and got nowhere. Ovation really gets the job done!”
– R. Taylor, NE

“Started out with nine collection accounts on my Experian credit report. Two months later only three left! Can’t believe how much improvement I’ve seen in such a short time. Thank you!!”
– J. Meiham, VA

“I was skeptical when I first signed up, but the results really speak for themselves. My credit scores have gone from low 500s to mid 700s and only three months! Can’t say enough great things about Ovation Credit!”
– C. Parker, GA

Visit Ovation Credit Services