Best Credit Repair Companies (2019)


Bad credit closes doors, but credit repair companies can help.  We analyzed 21 companies based on price, service, and results and reveal our top choices below.

Bad credit closes doors.  Our top 5 credit repair companies can help!

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Credit Knocks' Top Credit Repair Companies for 2019

​As Seen in:

As Featured In Forbes
As Featured in Debt

Our Top Rated Companies:

(Rated by Price, Service, and Results, Updated 12/2/19)

1st 




credit saint logo

4.9 Rating, 277 Reviews

Credit Saint is our #1 recommendation. Competitive pricing, multiple plan options and the most transparent billing process gives them the 2nd spot.

(Free Consultation, A+ BBB Rating)

2nd


sky blue credit repair logo

4.6 Rating, 163 Reviews

Sky Blue is our #2 recommendation. Tons of satisfied customers, Competitive pricing, and an amazing customer service record gives them the best spot.

(Free Consultation, 90-Day Money-Back Guarantee)

3rd



the credit pros logo

4.6 Rating, 155 Reviews

The Credit Pros is our #3 recommendation. Some of the lowest starting rates and an instant approval process earned them the 3rd spot.

(Free Consultation, Includes ID Theft)

Essentials You Must Know:

If you're facing the daunting task of fixing your credit history, credit repair companies can act as your hero.  They're pros at getting items removed from your credit report. 

But how do you know which company is best?

After researching 21 companies, comparing their plans & pricing, and reading over 1,000 customer reviews, we've learned the key three variables you should consider.

Affordable Pricing

History of Results

Money-Back Guarantee

You must understand that credit repair companies cannot guarantee their results and it doesn't work overnight.  If you have patience, though, you're very likely to be rewarded. 

In a recent nationwide survey, we found that 48% of credit repair clients who stayed with their repair company for 6 months or more saw a credit score increase of 100+ points.  

Our recommendation?

Do your homework.  Talk to two or three companies that we've reviewed below to see who is the best fit for you.  Then choose one and stick to the plan!

best credit repair

Find Out Who Made Our Top 5 Companies

Plus more detail on each company, how credit repair works, how long it takes, and the estimated cost


1. Credit Saint

4.9 Rating, 277 Reviews

Known for: Simple, Transparent Billing with Solid Results

credit saint logo

Credit Saint is our #1 recommended credit repair company.

One of the most commendable things about Credit Saint is that they are all about transparent billing and they offer a 90-Day Money Back Guarantee.

They also offer Unlimited Disputes in a 45 day cycle vs the industry standard of 2-6 per month. 

They have been helping customers for over 15 years, whether you have, late payments, charge-offs, collections, inquiries, bankruptcies, repossessions, or judgments.

credit saint homepage

Features & Benefits

Why buy credit repair services from ​Credit Saint? Here are just a few reasons they're our favorite:

  • ​Low Monthly Price
  • ​Unlimited Disputes
  • ​A+ Rating With The BBB
  • ​90 - Day, No Hassle Guarantee
  • ​Most Transparent When It Comes To Billing

When it comes to credit repair, Credit Saint has you covered with 3 different plan options, which go by the names "Credit Polish, Credit Remodel, and Clean Slate."

Their primary focus is helping both individuals and couples and each of ​their products gives you a different level of service and speed for fixing your credit.

​Credit Saint Reviews (4.8/5)

​Credit Saint has some ​amazing customer testimonials and has a great customer service team. In fact, they have an A+ Rating with BBB and have been in business for over 15 years. 

credit saint bbb

Want to learn more? Read our full Credit Saint review here. ​

Cost Of ​​Credit Saint

​Credit Saint offers 3 different plans and has 3 different price points when it comes to repairing your credit.

​Plan Name

​Initial Fee

​Monthly Fee

​Credit Polish

​$99.00

​​$79.99 Per Month

​Credit Remodel

​$99.00

​$99.99 Per Month

​Clean Slate

$​195.00

​$119.99 Per Month

​The initial fee is referred to as their ​First Work fee ​which functions like a startup fee and after your First Work fee you will start paying your monthly fee. 

Each of these products function differently so be sure to review how they each work.

As you can see, with Credit Saint you get some great prices and multiple options to match your budget as well as how aggressive you want to be with your credit.


2. Sky Blue Credit Repair

4.6 Overall Rating, 106 Reviews

Known for: The Best Reviews & Money Back Guarantee in the Industry!

Sky blue

Sky Blue is our #2 recommended credit repair company due to their best-in-industry reviews.  The bottom line is in a somewhat "shady" industry, Sky Blue actually delivers results!

They believe in their work so much that they offer a "no-questions-asked" money back guarantee.  It's the best no-haggle guarantee in the industry.

They have been helping customers for over 30 years with late payments, charge-offs, collections, inquiries, bankruptcies, repossessions, debt validation, or judgments.

There is absolutely no better option for repairing your credit in 2019.

sky blue homepage

Features & Benefits

Why buy credit repair services from Sky Blue? Here are just a few reasons they're our favorite:

  • ​Lowest Monthly Price In The Industry
  • 90-Day, No-Hassle Guarantee
  • ​Top Customer Service
  • No Commissioned Sales Agents On Staff
  • Option To Skip A Month Of Service If You Need To
  • No Additional Fees Attached To Final Bill

It might not seem like a huge deal, but on-average, you can see a huge change and increase in your credit profile within 30, 60, and 90 days.

So the fact that Sky Blue offers a 90-day, condition-free guarantee is amazing, topping that off with their great customer service and they easily become the best company to deal with.

And unlike other companies, they actually only have one product and one price, this means you get access to all of the services they offer when you sign up.

Sky Blue Reviews (5/5)

Sky Blue Credit has some great customer testimonials and has a great customer service team. In fact, they have a 5-Star rating and 37 customer reviews on BBB.

sky blue bbb

In fact, Google their reviews at BestCompany.com, Google Reviews, and Consumer Affairs as well.  In every case, their reviews shine above the rest.

Want to learn more? Read our full Sky Blue review here.

Cost of Sky Blue (5/5)

​The best thing about Sky Blue is that they have one plan and one price so you will always get the best service when you sign up.

​Plan Name

​Initial Fee

​Monthly Fee

​Sky Blue Difference

​$79 One Time

​$79 Per Month

​The initial fee is referred to as their Review fee and it isn't charged unless they determine that they can indeed help you with your credit after they review it and have a phone call with you.

There is also an option for a spouse discount of 50% off the second account as long as you both live together and pay together.   You don't have to be married.

As you can see, Sky Blue, sometimes called Blue Sky Credit Repair is a great option if you want to get results with credit repair, for a great price and good customer service.


​3. ​​The Credit Pros

4.6 Rating, 155 Reviews

Known for: Unlimited disputes and a solid money-back guarantee

CALL FOR A FREE CONSULTATION: (203) 350-0113 

the credit pros logo

The Credit Pros is our #3 recommended credit repair company.

If you don't have a strong understanding of credit or you are attempting to re-establish your credit, the Credit Pros is going to be a solid option.

​As a matter of a fact: 

Once you start the process you won't have to do much outside of mailing them a copy of your updated credit report on a monthly basis. 

​With multiple plan options and a lower cost to entry, The Credit Pros just might be the best option for you.

the credit pros homepage

Features & Benefits

Why buy credit repair services from The ​Credit ​Pros? Here are just a few reasons they're our favorite:

  • ​Multiple Plan Options
  • ​Unlimited Disputes
  • ​A+ Rating With The BBB
  • ​Credit Education Tools

​When it comes to credit repair The Credit ​Pros has you covered with 4 different options; they go by the names Credit Sentry Monitoring, Money Management, Prosperity Package and the Success Package.

Their primary focus is helping both individuals and couples and each of ​their products gives you a different level of service and speed for fixing your credit.

​The Credit ​Pros Reviews (4.5/5)

​The Credit Pros has some ​mixed customer testimonials​; however, they ​do have an A+ Rating with BBB and have been in business for over 10 years. 

the credit pros bbb

Cost Of ​​The Credit ​Pros

​The Credit Pros offers 4 different plans and has 4 different price points when it comes to repairing your credit.

​Plan Name

​Initial Fee

​Monthly Fee

​Credit ​Sentry Monitoring

​$19.00

​​$19.00 Per Month

​Money Management

​$119.00

​$69.99 Per Month

​Prosperity Package

$​119.00

​$119.99 Per Month

​Success Package

​$149.00

$​149.00 Per Month

​The initial fee is referred to as their ​First Work fee ​which functions like a startup fee and after your First Work fee you will start paying your monthly fee. 

Each of these products function differently so be sure to review how they each work.

As you can see, with ​The Credit Pros you get some great prices and multiple options to match your budget as well as how aggressive you want to be with your credit.


​4. ​Creditrepair.com

3.7 Rating, 1025 Reviews

Known for:  Reputable, established name with thousands of clients

creditrepair.com logo

​​Creditrepair.com is our #4 recommended credit repair company.

Over the years they have only been focused on a 3 step approach which is to 1) Check your credit, 2) Challenge your creditors and 3) Change your report.

Creditrepair.com used to be one of favorites at Credit Knocks and achieved a rating as high as 4.5.

However, they have recently been named in a lawsuit filed by CFPB (PDF) for questionable marketing practices.  

We have kept them in their #4 spot temporarily as we have heard they are running a tight ship there more than ever.  By going with them, you're going with a reputable, established name.  But you also need to be aware of the lawsuit.   You might want to wait to do anything with this company until the lawsuit has been settled.

creditrepair.com homepage

Features & Benefits

Why buy credit repair services from​ Creditrepair.com? Here are just a few reasons they're ​worth looking into:

  • ​Education Resources
  • ​Small Initial Fee
  • ​Simplicity

When it comes to credit repair, Creditrepair.com keeps it simple and only offers one plan for one set price.

​This is a great feature because you don't have to figure out which product will work best for your specific situation.

​Creditrepair.com Reviews (3.5/5)

​Creditrepair.com​ is NOT accredited with the BBB and they have an F Rating even though they have been in business for over 22 years. 

When you add the fact that they are currenlty facing legal action,​ you should definately be cautious about getting your credit repaired through them.

creditrepair.com bbb

Cost Of ​​Creditrepair.com 

​Creditrepair.com offers ​1 plan and 1 price point for repairing your credit.

​Plan Name

​Initial Fee

​Monthly Fee

​Creditrepair.com Plan

​$1​4.99

​​$99.00 Per Month

​The initial fee is ​used to grab a copy of your credit report and start the initial checks. 

​They do have one of the lowest start-up fees; however, we can't stress this enough, you probably don't want to use them for credit repair until they are out of legal troubles.


​5. ​Lexington Law

3.7 Rating, 1200+ Reviews

Known for:  Reputable, established name with thousands of clients

lexington law logo

​​Lexington Law is our #5 recommended credit repair company.

​In the past Lexington Law has been one of the largest credit repair companies in the United States.

However, ​Lexington Law is a sister company of Creditrepair.com and they both are dealing with the ​lawsuit filed by CFPB (PDF) for questionable marketing practices.  

Just like with Creditrepair.com, you probably shouldn't do anything with this company until the lawsuit has been settled.

lexington law home page

Features & Benefits

Why buy credit repair services from​ ​Lexington Law? Here are just a few reasons they're ​worth looking into:

  • ​You Are Hiring A Law Firm
  • ​Extensive Education Tools
  • ​Multiple Plan Options

​When it comes to credit repair, Lexington Law ​is an actual law firm completing the credit repair process for you.

​They have multiple plan options that can fit most budgets and tend to move faster on starting the credit repair process. 

​Lexington Law Reviews (3.0/5)

​Lexington Law​ is NOT accredited with the BBB and they have an C Rating even though they have been in business for over 26 years. 

When you add the fact that they are currently facing legal action,​ you should definitely be cautious about getting your credit repaired through them.

lexington law bbb

Want to learn more? Read our full Lexington Law review here. ​

Cost Of Lexington Law

Lexington Law offers 3 plans with 3 different price points to help you with re-building your credit.

​Plan Name

​Initial Fee

​Monthly Fee

​Concord Standard Service

​$6.99

​$89.95

​Concord Premium Service

​​$6.99

​​$109.95

​Premium Plus Service

​​$6.99

​​$​129.95

​The​re is an initial start-up fee of 6.99 that is used to ​grab a copy of your TransUnion credit report with services beginning a few days later.

Or you can choose the option to QuickStart ​your case for $14.99 and have your credit repair process start almost immediately. 

If you really are ready to get your credit repaird, you might want to hold off on Lexington Law until they are out of litigation.


What does a credit repair service do?

​The way the process works is that first​, the credit repair company will get a copy of your credit report to get an accurate understanding of what is going on with your credit. 

Some of them use your initial payment to pull your credit report immediately.

Once they have figured out exactly what is going on with your credit, they will come up with an action plan on how to improve your credit.

Once you agree to the plan, they will start their process.

Now, it might seem like things are moving slow but you need to remember that credit works in 30 day batches.

Expect 30 day updates, not daily or even weekly updates.  

Most credit repair companies will accomplish all or some of the following:

  • ​Help improve your FICO & Vantage scores
  • ​Fix errors on your credit reports
  • ​Negotiate with your lenders to remove negative items from your credit history
  • ​Retrieve your credit report from the three credit bureaus (Equifax, Experian, and TransUnion)
  • ​Take advantage of credit repair laws to have negative items removed from your credit reports.

How long will it take to repair my credit?

The amount of time it will take to fix your credit is going to be determine by what is exactly on your credit report.

On average, clients stay with credit repair agencies for around 6 months and a few agencies stated that 6 months is usually when people are happy with the results.

Just remember, when it comes to credit repair, YMMV (your mileage may vary) because everyone has a different credit profile.

There are several factors that could make your credit repair take longer than others and those things are: 

  • Your credit history.
  • The amount of negative items on your report
  • How hard it will be to dispute each item

It is essential that you remember there are no guarantees in credit repair, and it might not work for your specific credit needs. 

You need to take credit in 30 day increments because it is usually a slow and steady race to a higher score.

What About DIY Credit Repair

​To be totally honest, if you take some time to learn the process, you can and should focus on diy credit repair. 

​Once you have the knowledge, you will always be able to use it and you won't have to keep paying a monthly fee. 

​We have several tools that help you with increasing your credit score that are much more affordable than any credit repair service.  

Essentially, all you would need to do is: 

  • ​Get A Copy Of Your Credit Report From (Experian, Equifax, and Transunion)
  • ​Dispute Any Inaccurate Personal Information On Each Report
  • ​Dispute Any Negative Items That Are Over 7 Years Old
  • Get The Information On Any Company In ​The "Collections" Section Of Your Report
  • Write Your First 609 Letter Or Use A Template and Mail It To All Collection Agencies
  • ​Send Out Your 609 Letter And Follow The 609 Process
  • Wash & Repeat

​Now, if you don't want to go through the learning curve then a credit repair service is your best option.

​They understand the process and can probably handle the more complicated items on your credit report.

​How Much Does Credit Repair Cost?

​The real question everyone wants to really know is, ‘How much does credit repair cost?’

We know the monthly costs and the initial startup fees but at the end of the process I know I want to be sure that credit repair is worth it.

On average customers use the credit repair services for six months based on company FAQ’s and customer reviews

In an attempt to answer the question of ‘How much does credit repair cost’ we have added the initial startup fees to six months of each reviewed companies premium monthly service fee to obtain an estimated total cost of credit repair. 

We then have taken that number and divided it by the six months of credit repair services we have estimated to give us an average monthly cost for credit repair. 

​Overall Ranking

​Company

​6 Month Cost

​Avg. Monthly Cost

Start

#1

​Credit Saint 

​$914.94

​$152.49

#2

Sky Blue

$553.00

$92.17

​​#3

​The Credit Pros

​$1,043.00

​$173.83

​#4

​Creditrepair.com

​$608.99

​$101.50

#5

​Lexington Law

​$786.69

​$131.12

Taking Action

There is no reason to have bad credit, all it takes is a bit of time and a bit of work.  

The fastest solution will be to go with a credit repair company and let them do their magic.

The most affordable solution is to repair your own credit by using our credit tools to repair your credit score.

Whatever you decide, I would say take action fast because the longer you go with a poor credit score, the more you are going to pay higher rates. 

*All review numbers are cumulative totals from BBB, Best Company, Google Reviews, and Consumer Affairs.


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