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 January 2016)

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
  • A+ BBB Rating
  • Free Credit Report Summary
  • Free Credit Score
  • No Contract – Cancel Anytime

Quick Review:

As a licensed and bonded law firm, Lexington Law is at the top of our list of highly qualified credit repair companies. At the time of this review, Lexington Law has 22 lawyers on staff and over 400 paralegals as well. This number is expected to remain on pace to allow the company to service the hundreds and thousands of satisfied customers who’ve been able to improve their credit.

There are several areas where Lexington stands out including their highly qualified staff. One of these is the free credit report summary and credit score that they offer to current and new subscribers. They also provide a discount for family members who require credit repair at the same time. This can be very helpful for low income families to get back on their feet.

Lexington does not lock their customers into a specific contract. You can retain their services on a month-to-month basis and because you can cancel at any time, Lexington knows that they need to provide top quality service for month-to-month.

Bottom Line

No other credit repair company offers the same combination of expertise, service, flexibility, and affordability. This makes Lexington Law our top choice for people who need immediate credit repair assistance.

Past Clients:

“I know you must get great reviews like this all the time, but I just had to tell you about my results! Today in the mail I got an updated copy of my Experian credit report, and when I saw that your people had been able to get 6 out of 9 negative deleted in less than two months I couldn’t stop jumping up and down! Awesome work, and incredible experience by the staff at Lexington Law Firm. I can’t wait to see the results from Trans Union and Equifax! Thanks again!” – A.T.

“I cannot believe the difference the service has made in my credit! It’s been 5 years since I’ve been able to get a normal (not secured) credit card. My credit was very bad, with a lot of old charge-offs and collection accounts. But after spending a year with your company, I now get approved for most credit lines that I apply for and for very good rates! I’ll continue to use the service, and recommend you to everybody I know! Keep up the great work!” – P.C.

“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
  • A+ BBB Rating
  • 100% Money Back Guarantee
  • No Contract – Cancel Anytime

Quick Review:

Sky Blue is another highly-rated credit repair company, and is particularly good at helping people decide when and what to dispute on their credit reports. Because most people don’t understand the nuances of the laws that allow them to repair their credit, having a professional guide the process can go a long way to seeing better results.

One other advantage with Sky Blue is their accelerated dispute process. While most credit repair companies start with only a few items, Sky Blue will dispute up to 15 items (5 items per bureau). This means that if you have a lot of negative items, you can potentially get more of them dismissed at a faster rate.

For people who are looking to get “mortgage-ready” by getting rid of old, inaccurate charge-offs and collection accounts, Sky Blue is a very affordable option. Likewise, people who need to get qualified for a car loan or other upcoming credit inquiry can rest assured they will have the best outcome possible when working with Sky Blue.

Bottom Line

For those who may not be able to afford the initial pricing of Lexington, Sky Blue Credit Repair offers a viable alternative with credit professionals that will get the job done.

Past Clients:

“For the price, I wasn’t expecting such great results! Our credit scores are steadily rising and we’re very happy with the service.” – M.R.

“Let me just say how awesome your customer service department is. They handled everything, answered all of my questions and got me pointed in the right direction. Your company is the gold standard when it comes to credit repair!” – R.H.

“Thanks again for helping me with my credit repair. Everything has been amazing and I’m really looking forward to seeing more results.” – H.J.

Visit Sky Blue Credit

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

  • Cost: $12.95 Setup – Only $99.95/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.D.

“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.S.

“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.S.


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

The Credit People Website#4 The Credit People

  • Cost: $19 Set Up – $299 up front or $59 per month
  • Set Up Fee Waived with Upfront Payment
  • A+ BBB Rating
  • No Ongoing Monthly Fees
  • Over 14 Years of Experience
  • 100% Money Back Guarantee
  • No Contract – Cancel Anytime

Quick Review:

For those who are looking to get started with credit repair but who are leery of having to pay a monthly fee, The Credit People offers a viable alternative with great results.

The company offers several ways to get started. For those who prefer the traditional route, there is a $19 setup fee and a monthly rate of $59 per month – very reasonable for credit repair.

For those who want to avoid paying every month, The Credit People charges a set fee of $19 for set up and a flat rate of $299 – this covers all work done for you for a full six months, and there are no ongoing monthly commitments.

Their flat-fee pricing has a six month satisfaction guarantee, so you can get a refund at any time during the credit repair process if you aren’t satisfied.

Yet another way this company stands out is that they procure your initial credit reports and credit scores for you, for free. This is a time-saving step that can be very important for people who need help with their credit right away.

Bottom Line

Having the option to pre-pay for credit repair services up front can make it easier on people who have a limited amount of funds month-to-month. The satisfaction guarantee and flexibility on pricing makes The Credit People a solid choice.

Past Clients:

“I’ve tried other companies in the past that charged a monthly fee and it seemed like I was always the one doing the work! With you guys, everything was taken care of and I saw results in just a few months. Thanks for helping me qualify for my new loan!” – S.R.

“I never believed credit repair could work before until I signed up with Credit People. There are so many scammers out there, I was really reassured that there was a 100% satisfaction guarantee and that I didn’t have to pay for any month of work that I didn’t approve. So far, I’m really pleased! My new credit scores are already saving me thousands in interest payments and I can’t wait to see how much more improvement I can get.” – A.S.

“Thanks for helping me with this! I knew how credit repair is supposed to work, but I’ve never had the time to do any of it on my own. With your people the entire process was fast and professional. A++” – J.L.

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.T.

“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.M.

“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.P.

Visit Ovation Credit Services