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  • Cost: $14.99 Setup - As Low as $89.95/mo
  • 50% Discount for Couples, Family, Household, & Active Military
  • Over 14 Years of Experience
  • Free Credit Report Evaluation Including Free Credit Score
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  • Cost: $14.99 Setup – Only $99.95/mo.
  • TransUnion Credit Monitoring at No Extra Charge
  • Score Tracking & Analysis
  • Mobile App & Alerts
  • No Contract – Cancel Anytime
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  • Cost: $19 Set Up – Only $69 per month or $299 all inclusive for 6 months
  • Set Up Fee Waived with Upfront Payment
  • No Ongoing Monthly Fees
  • Over 17 Years of Experience
  • 100% Money Back Guarantee
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  • Cost: $59 Setup – Only $59/mo.
  • Special Couples Pricing: $99 Setup & $99 Per Month
  • Over 29 Years of Experience
  • 100% Money Back Guarantee
  • No Contract – Cancel Anytime
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  • Cost: $89.00 Setup – As Low as $59.00/mo.
  • Special Fast Track Same-Day Service
  • Identity Optimization Services
  • Discounts for Couples, Family Members, & Friends
  • Discounts for Seniors & Military
  • No Contract – Cancel Anytime
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We get asked the same questions every day 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 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 choose from) and are more than happy to share our results with you below.

Lexington Law Firm

  • Cost: $14.99 Setup - As Low as $89.95/mo
  • 50% Discount for Couples, Family, Household, & Active Military
  • Over 14 Years of Experience
  • Free Credit Report Evaluation Including Free Credit Score

Quick Review:

As a licensed and bonded law firm, Lexington Law is at the top of our list of highly qualified credit report repair companies. At the time of this review, they have 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 want to repair their credit history at the same time. This can be very helpful for low-income families to get back on their feet.

They do 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 company offers the same combination of expertise, service, flexibility, and affordability. This makes Lexington Law our top choice for people who need immediate assistance in repairing their credit.

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. 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 TransUnion 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.

CreditRepair.com

  • Cost: $14.99 Setup – Only $99.95/mo.
  • TransUnion Credit Monitoring at No Extra Charge
  • Score Tracking & Analysis
  • Mobile App & Alerts
  • No Contract – Cancel Anytime

Quick Review:

CreditRepair.com is quickly becoming one of the most popular 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 24/7, even when they are away from the computer. The included credit monitoring from TransUnion adds significant value as similar services can cost anywhere from $25 per month and up.

CreditRepair.com provides both email and text alerts when significant changes happen 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 to fix your credit and be able to follow along with the whole process, CreditRepair.com is an excellent choice. With over 20 years of experience, you can trust CreditRepair.com to provide you with top quality service and assistance with getting your credit back on track.

Past Clients:

“Thanks to CreditRepair.com, 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 CreditRepair.com 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. CreditRepair.com helped me turn things around and stopped the debt collectors from listing and relisting old debts. Awesome work!” – S.S.

The Credit People

  • Cost: $19 Set Up – Only $69 per month or $299 all inclusive for 6 months
  • Set Up Fee Waived with Upfront Payment
  • No Ongoing Monthly Fees
  • Over 17 Years of Experience
  • 100% Money Back Guarantee

Quick Review:

For those who are looking to increase their credit score, but 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 $69 per month – very reasonable for repairing your credit.

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 credit help 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 make 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 has already saved 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.

Sky Blue Credit Repair

  • Cost: $59 Setup – Only $59/mo.
  • Special Couples Pricing: $99 Setup & $99 Per Month
  • Over 29 Years of Experience
  • 100% Money Back Guarantee
  • No Contract – Cancel Anytime

Quick Review:

Sky Blue is another highly-rated 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 restoration companies start with only a few items, Sky Blue will challenge 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 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. Everything has been amazing and I’m really looking forward to seeing more results.” – H.J.

Ovation Credit Services

  • Cost: $89.00 Setup – As Low as $59.00/mo.
  • Special Fast Track Same-Day Service
  • Identity Optimization Services
  • 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 restoration, it’s hard to compete with Ovation Credit Services.

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 agencies, 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.

The Truth About Credit Repair

Having bad credit can cost you a lot of money. For example, did you know that a typical home can cost you between $50,000 and $100,000 more in interest if you are buying the home with bad credit? On average, you will end up paying about $1,500 to $5,000 more for a car if you have bad credit.

Bad credit will make it harder for you to rent an apartment, get a car loan, home loan, cell phone, or even go back to school. It also means paying higher insurance premiums and can even prevent you from getting a job.

Having Good Credit Can Help You Save Money

Over your lifetime the cost of having to pay higher interest rates can really add up. The money that you pay lenders is money that you could use to live a better life. By having good credit, you will be able to save money to take more vacations, send your kids to college, live in a nicer home or drive a better car.

Many people believe that once they have bad credit, they are stuck with it. They believe that they will have to wait at least 7 years for it to come off and there is nothing they can do about it. However, that’s simply not true. There are things you can do to start fixing your credit today.

What is credit repair?

Otherwise known as “credit report repair”, credit repair is the process of repairing a bad credit report to raise your credit scores. It involves identifying questionable negative information on your credit reports and challenging the information in question. It also requires following up with the credit bureaus and to get the negative information removed from your credit reports.

Is credit repair legal?

Yes, absolutely! In fact, it is your legal right to dispute items on your credit report under the Fair Credit Reporting Act. The FCRA was originally passed in 1970 and is enforced by the FTC. According to the law, the credit bureaus MUST respond to your disputes in a timely manner. But, the FCRA is just one of a handful of consumer credit laws designed to protect you.

How does credit repair work?

Credit repair works by using the laws mentioned above to hold the credit bureaus responsible. As noted above, the law is on your side, and the law requires that the credit bureaus must prove that what they are reporting is accurate. If they can’t prove that it’s accurate within 30 days, then they must remove it from your credit report.

How long does it take to repair credit?

How long it takes to repair your credit depends on your goals, your situation, your strategy and numerous other factors. Everyone has a unique situation, so the length of time that it takes to repair their credit varies greatly. The credit bureaus have to respond to your credit report disputes within 30 days. In some cases, they get up to 45 days.

What is a credit report dispute?

A credit report dispute, otherwise knows as a “credit bureau dispute” is your way of notifying a credit bureau that you are challenging an account on your credit report. Disputes can be in the form of a letter, a phone call, or they can even be done online at the credit bureau’s respective websites.

By dispute an item on your credit report, you are requesting that the credit bureau verifies the information that they are reporting. If they are unable to verify that the information is accurate, they must remove it from your credit report. Essentially, you are requesting an investigation into an account on your credit report.

How can I repair my credit?

When it comes to credit repair, you basically have 2 options:

1. You can repair it on your own.

2. You can hire a credit repair company to do the work for you.

How can I repair my credit myself?

We highly recommend doing it on your own. Many people do it every day. It’s crucial to learn about your consumer rights and credit laws. You might be surprised at what you learn. You may discover that you have many more rights than you thought you did. Start by reading the FCRA and all of the other consumer laws that have to do with your credit.

Free Credit Repair Help

There are many sources of free information on the internet, including on this site. There is also a great deal of misleading information on the internet, even from some of the most trusted websites. We believe that the information being put out by these websites is to discourage you from improving your credit.

There are many sites that pretend to give you tips but are not telling you the whole story. Our goal is to help you understand your rights and provide you with the most adequate credit repair information online.

Why We Recommend Credit Repair Companies

We understand that, if you’re like most people, you may not have the time that’s required to fix your own credit. It takes many hours of research and work that is required to competently repair your credit on your own. It’s extremely important that the credit repair process is done correctly and that’s why we have compiled this list.

If you are not 100% sure about what you are doing, it’s much better to let the credit repair professionals take care of it for you. In most cases, you only have one chance to get it right and doing it wrong can hurt your credit scores even more. There are also certain things that you will want to avoid doing when going through the credit repair process to get the best results possible.

We think you will be happy with the results, but if you’re not, for any reason, you can cancel after 30 to 60 days. There are no contracts with the companies we’ve listed. Some companies also have guarantees. If you’ve got bad credit, we think it’s worth giving them a shot.