It is found that nearly every 1 in four customers have an error on their credit report that makes them look high risk to lenders. Errors on you credit report can make it it more difficult to get loans and competitive interest rates.
With the help professional credit repair services, they can remove inaccuracies to your report by corresponding with creditors and collection agencies, and disputing unfair accounts on your behalf. In this guide we compare credit repair companies to find which ones are the best. One of our top picks could be the right credit repair agency for you.
How Credit Repair Services Work
Credit repair services will typically pull your credit report, analyze it, find errors and work to correct any that they find. While it is possible for you to do it yourself, hiring a professional saves you the time and the headache. These agencies will negotiate with creditors on your behalf, submit forms and more.
How Compare Credit Repair Services
Working with a credit repair company entails that you will also be giving them personal information. That’s why it’s important to do your research thoroughly. Here’s are some things to consider:
Credit Repair Services
What exactly does the credit repair company offer? In general, they should provide the following:
- Pull your credit reports from all 3 bureaus
- Review your credit reports
- Identify negative items
- Dispute negative items
- Offer educational materials on how credit reporting works
- Set up a plan to build positive credit
- Provide monthly updates
Pricing
Credit repair companies typically have a monthly fee, as well as an initial processing fee. Look for agencies with a free consultation to see if they can help you before you have to pay anything. In addition, you may want to consider a company that offers a money-back guarantee in case they are unable to dispute any errors.
Written Contract
All credit repair firms are required to provide you with a written contract which clearly outlines their services and pricing. Some will require a minimum commitment, while others work on a monthly basis. We prefer the latter because you can quit the service at any time without having to pay a penalty fee.
Customer Reviews
Reading customer reviews allows you to get a lot of information on a company. Check the Better Business Bureau (BBB) and TrustPilot.
Customer Support
You should consider how easy it is to reach the company’s customer support team. Can you access them by email, phone and live chat? In addition, it is important to check their hours of service and estimated response time as well.
Best Credit Repair Services
Here’s our list of the best credit repair services this year.
| CreditRepair.com | Best overall |
| CreditZO | Best low-cost service |
| Credit Saint | Best money-back guarantee |
| Lexington Law | Best personalized service |
| SuperMoney | Best for comparing |
| Self.inc | Best for credit builder loans |
CreditRepair.com – Best Overall
CreditRepair.com is our favorite overall repair service. A membership gets you:
- A personal dashboard online
- Dedicated member advisors
- Monthly credit score analysi
- Identity theft insurance
- Updated credit scores every 90 days
- Mobile app and customizable text alerts
| Monthly Fee | $99.95 |
| Initial Fee | $14.99 |
| Money-Back Guarantee | None |
| Trustpilot Rating | 4.4/5 |
| Details | Free consultation Flat-fee pricing Dedicated member advisors Identity theft insurance Credit education resources |
(Visit the link above to learn more about this promotion)
CreditZO – Best Low-Cost Service
CreditZO is different from the credit repair competition, because they don’t charge a fee for filing credit error disputes on your behalf. However, they do require you to pay to pull your credit report from a third party, along with a monthly fee that ranges from $14.29 to $27.99 to monitor your credit.
| Monthly Fee | Starts at $14.29/month |
| Initial Fee | Third-party credit pull – Credit Bliss $4.97/month – PrivacyGuard $19.99/month – SmartCredit $19.95/month |
| Money-Back Guarantee | None |
| Trustpilot Rating | N/A |
| Details | Low-cost Credit repair advice Referrals to credit card providers & lenders |
(Visit the link above to learn more about this promotion)
Credit Saint – Best Money-Back Guarantee
One of the best perks of using Credit Saint is their 90-day money-back guarantee. The credit repair service also offers free consultation and is one of the few in the industry with an A+ Better Business Bureau (BBB) rating. That said, it should be noted that their services do not come cheap.
| Monthly Fee | Starts at $79.99/month |
| Initial Fee | Starts at $99.99 |
| Money-Back Guarantee | 90 days |
| Trustpilot Rating | 3.3/5 |
| Details | Free consultation BBB A+ rating Not available in South Carolina |
(Visit the link above to learn more about this promotion)
Lexington Law – Best Personalized Service
Lexington Law offers a more personal experience. Every customer gets an account representative, usually a paralegal, who will work with you throughout your credit repair journey. With this feature, customers have a familiar voice to discuss the details of their case and financial life, and a personal advisor who knows the ins and outs of your credit situation.
Lexington Law also offers free consultation, a give 50% off, get 50% off referral program, expanded customer service hours and helpful resources.
| Monthly Fee | Starts at $89.85/month |
| Initial Fee | None |
| Money-Back Guarantee | None |
| Trustpilot Rating | 4.3/5 |
| Details | Free consultation Referral program Expanded customer service hours Helpful educational resources |
(Visit the link above to learn more about this promotion)
SuperMoney – Best For Comparing
SuperMoney is an aggregator site that lets you compare multiple financial products and companies – including credit repair agencies – in one place.
Utilizing a proprietary, weighted, sorting algorithm, the comparison service takes a look at various important details, such as customer reviews, if there’s a money-back guarantee, monthly fee, initial processing fee and more, to rank credit repair firms.
| Monthly Fee | None |
| Initial Fee | None |
| Money-Back Guarantee | None |
| Trustpilot Rating | 4.9/5 |
| Details | Ranks credit repair agencies |
(Visit the link above to learn more about this promotion)
Self.inc – Best For Credit Builder Loans
Self.inc offers credit builder loans to help improve your credit score, without the need for any upfront payment. A hard credit pull is not required, and it comes with complimentary credit score monitoring. In addition, you can earn a $10 cash bonus for every person you refer.
| Trustpilot Rating | 3.1/5 |
| Details | No hard credit pull No deposit required Free credit score monitoring $10 referrals |
(Visit the link above to learn more about this promotion)
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Bottom Line
Your credit score is an important that you’ll need to use for various things in life like loans and mortgages. That’s why its’s important to utilize credit repair services if you need them. Hopefully this page has helped you decide which service is best for you.
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Everyone wants a good credit score and this blog is very informative as you share about credit scores and the best credit companies differentiating their specialty.
Thanks for the information, Really useful to know about Credit Repair Services