Best Credit Repair Companies of 2018

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.

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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.

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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.

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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.

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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.

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