5 Best Credit Repair Companies

In this article we discuss the 5 best credit repair companies. If you want to read our detailed analysis of the finance industry, go directly to the 10 Best Credit Repair Companies.

1. Credit Saint

Credit Saint, an Oakland, New Jersey-based credit repair company, was founded in 2007. Credit Saint is accredited by Better Business Bureau and has an A+ rating for over 10 years.

Credit Saint offers three different packages for clients with different levels of services. They have monthly costs ranging from $79 to $119.99 and their first work fee ranges from $99 to $195.

For simple credit repair needs, they offer ‘Credit Polish’ with an affordable monthly fee of $79.99. If you have only a few negative items on your credit report, credit polish will suffice. In credit polish they dispute up to 5 inaccuracies per month. 

Clean Slate with $195 as first work fee and $119.99 per month fee is their most comprehensive and most expensive package. In Clean Slate, the company offers you to challenge an unlimited number of inaccurately reporting items per dispute cycle along with score tracker, creditor interventions, and inquiry targeting.

Their most compelling feature is a 90-day money-back guarantee. If they don’t succeed in getting the negative items removed from your credit report within 90 days, you can ask for a full refund. 

2. Ovation Credit Services by LendingTree, Inc. (NASDAQ: TREE)

At the top of our list of best credit repair companies is Ovation Credit Services. It is owned by LendingTree, Inc. (NASDAQ: TREE), a publicly traded financial service provider. The company has its headquarter in Jacksonville, Florida and it was founded in 2004.

According to the company’s website, over the years, it has helped improve more than 120000 credit profiles with an average of 19 corrections per customer.

The two credit repair plans they offer are ‘essentials plan’ with a monthly fee of $79 and ‘essentials plus’ with $109 per month fee. Both plans have $89 as the first work fee.

They offer free consultation and personalized attention to their clients. They assign a personal case advisor to every client, who files disputes on the client’s behalf. 

Moreover, they charge a reasonable fee and provide robust customer services. It’s easy to cancel their services at any time. Ovation Credit charges on a month-by-month basis and you do not need to sign a six-month contract with them.

Ovation Credit Services is Better Business Bureau accredited with an A+ rating, and the best thing about them is that so far no complaint has been filed against them to Consumer Financial Protection Bureau (CFPB)

3. Sky Blue Credit

Sky Blue Credit is a Boca Raton, Florida based credit repair company. It is one of the oldest organizations in the market as they have been providing services since 1989. 

They are known for comparatively low service charges and simple and easy-to-understand service offerings. Rather than offering multiple credit repair packages, Sky Blue Credit offers all of its services for a flat-rate of $79 per month. 

They offer free services to all of their clients for the first six days. They charge a one-time setup fee of $79 to every new customer. They also provide a 90-day guarantee; if you are not satisfied with their services, you can ask for a full refund during the first 90 days.

Sky Blue Credit Repair disputes 15 items on your credit report (5 items per bureau) every 35 days. This is much faster than companies that send dispute items every 45 to 60 days, charging you monthly fees during the process.

Therefore, with a reliable monthly fee and fast process, Sky Blue Credit is a great choice for individuals who have a limited budget.

4. The Credit Pros

Credit Prose is a Newark, New Jersey based credit repair company. The organization was founded in 2009, by Jason M. Kaplan, an attorney who specializes in credit law. The organization has been trusted by over 100,000 clients in the US.

After years of experience and innovation, the organization has developed Artificial Intelligence based cutting-edge credit repair methodology to get better results for its clients. The Credit Pros has been Better Business Bureau (BBB) accredited since 2011 and has a rating of “A-” (on a scale of A+ to F).

Credit Pros offers three different packages for clients with per month fee ranging from $49 to $149. Their basic package is ‘Money Management’ which includes Transunion credit monitoring, identity and dark web monitoring, as well as CashRules finance manager only in $49 per month.

The most expensive and thorough package of Credit Pros is ‘Success Package’ which costs $149 per month with the most distinguishing benefit of a guaranteed line of credit of $1500.

Their best features include free consultation, a 90 days money-back guarantee, full protection to private information, credit monitoring in all packages, and above all an AI-driven algorithm.

5. The Credit People

The Credit People is based in Cottonwood Heights, Utah. Since its inception in 2001, the organization has helped thousands of people repair their credit ratings.

 According to the company’s website, it has removed 1,493,678 credit issues for its customers. The data on the website claims that lenders approved 71% of its users for home loans and 78% for auto loans. The average customer of Credit People saw a 32% improvement in his credit score after hiring its services. Certainly, these figures are a testimony to their exceptional services.

The Credit People offers a monthly membership plan with a one-time setup fee of $19 and a monthly fee of $79 as well as a flat-rate membership plan for six months with a total fee of $419. 

They have an online dashboard for clients to view all the steps being taken on their behalf by the organization. Moreover, with their 24/7 online access feature, you can get access to all of your credit reports and scores after signing up for services. 

The Credit People has a Better Business Bureau (BBB) rating of C+ (on a scale of A+ to F) and it is not accredited by BBB.


In a nutshell, availing of credit repair services relieves you of a lot of financial stress. There are a number of companies that have tailor-made packages to fulfill the specific credit repair needs of individuals and businesses.

You can also take a peek at 10 Best 5G Stocks to Buy Now and 10 Best Pharma Stocks to Buy Now.