What to Look for in a Credit Repair Company

By Expert Contributor

Contracted writer for Credit Knocks.

Advertiser Disclaimer - Some links on this page may pay us advertising fees.

Summary: Find out which credit repair companies stand out from the rest.

Are you sick of trying to fix your bad credit on your own? If DIY methods have failed, you have two choices: live with it, or call in professional help. 

The professional help I’m talking about is called credit repair. Paying a professional company to clean up your credit report through legitimate, legal means.

What to Look for in a Credit Repair Company

Credit repair gets a bad rap, but here’s the truth: it’s like any other business. There are some sketchy companies out there, but there are also some reputable, high-quality ones.

The trouble is, it can be hard to spot the gems when you don’t know what to look for.

Don’t worry, I’ve got you covered. Stick with me and I’ll show you what to look for in a credit repair company.

In a recent study, we found that *48% of paying, credit repair clients got a 100+ credit score gain or more.   If you don't have serious time to devote to your dispute letters, we recommend you hire the pros to help.  Check out our #1 choice for professional credit repair. 

What is Credit Repair?

Credit repair is the process of removing potentially inaccurate negative items from your credit report.

Think things like:

  • Late payments
  • Charge-offs
  • Collections
  • Bankruptcies
  • Judgements

These nasties drag down your credit score. And if you’re living with a low credit score, you know what a barrier it can be.

How Does Credit Repair Work?

In a nutshell, the credit repair company pulls your credit reports and reviews them in meticulous detail. They look for any signs of inaccuracies.

If they find something that might be an error, they dispute it with the credit bureau that reported it. The goal is to get the item deleted or the error corrected. 

What if your credit file has no errors?

Your credit may be suffering due to your own mistakes, such as missing payments.  Credit repair companies can usually help here too.

Click here to see how.

This works for a couple of reasons.

The first is that errors on credit reports are alarmingly common. A Federal Trade Commission study found the error rate to be as high as 1 in 5. Think about that. 

The second is that under the Fair Credit Reporting Act, credit reporting agencies must verify disputed items within 30 days. If they can't, they have to delete them.

Or visit our review of the best credit repair companies of 2021

What Kind of Results Can I Expect?

Not everybody needs professional credit repair. You can and should review your reports regularly, and if you notice a mistake or two, you can file your own dispute letters.

But if your reports are a mess and you don’t know where to start, there’s a good chance a credit repair company can help. 

And what kind of help are we talking? 

In October 2019, Credit Knocks surveyed 500 Americans who paid for professional credit repair services.

They found that 43% of all respondents saw a credit score increase of at least 75 points.

Among respondents who used credit repair services for 6 months or more, 48% saw an increase of at least 100 points. 

The key takeaway? Credit repair works.
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Low Credit Score?

Get a free consultation with a credit repair expert to see how much they can help your credit score.

It's quick, easy, and free.

How to Spot the GOOD Credit Repair Companies

Not all credit repair companies are created equal.

In fact, there are some out there that are downright sketchy. But that shouldn’t scare you from pursuing a reputable, professional service provider. 

When shopping for a credit repair company, you want to consider these factors:

  • Price
  • Customer service
  • Reviews

How Does Credit Repair Work


Most credit repair companies charge a start-up fee that covers the time they spend analyzing your reports to see if they can help you. 

If they determine you’re a good candidate for credit repair, you pay on a monthly basis while they work to clean up your report. 

Obviously, you want to choose a company you can afford that is priced fairly.

Customer Service

You also want to choose a company you’re comfortable working with.

What’s their customer service like? 

How responsive are they?

How many items will they dispute per month?

Ask questions before you sign up and make sure you understand the scope of the service.
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Increase Your Credit by 100+ Points

In a recent study at Credit Knocks, we found that *48% of clients who used a credit repair company got a credit score increase of 100+ points.

Consultation is quick, easy, and free.


It can be hard to gauge whether a credit repair company is legit. That’s why it’s important to check out their reviews. 

I’m not just talking about the testimonials on their website — of course they only post the glowing ones.

The Better Business Bureau (BBB) is a good source of external reviews, as are friends and family who have experience with credit repair.

Or visit our review of the best credit repair companies of 2021

My 3 Favorite Credit Repair Companies

As a credit repair expert who has done a ton of research on the subject, I’m happy to recommend these three high-quality, professional credit repair companies:

  1. Sky Blue
  2. Credit Saint
  3. The Credit Pros

Sky Blue

Sky Blue is my #1 credit repair recommendation. They offer one straightforward plan for one price. They only charge their initial $79 fee after reviewing your situation to see if they can help. After that, their monthly fee is $79 — the lowest in the industry. 

Their current 5-star customer rating on the BBB and their 90-day guarantee speaks to Sky Blue’s superior service.

Credit Saint

Credit Saint meets simple to complex credit repair needs with three plans: Credit Polish, Credit Remodel, and Clean Slate. Pricing starts with an initial fee of $99 and $79.99 per month thereafter for the Credit Polish plan. 

Credit Saint offers unlimited disputes every 45 days and a 90-day guarantee. Their professional reputation is backed by an A+ BBB rating.

Wanna Know the Easy Way to Repair Your Credit?

In a recent study, we found that *48% of paying, credit repair clients got a 100+ credit score gain or more.   Get help from the pros! ​Check out our #1 choice for professional credit repair.

The Credit Pros

The Credit Pros offer four different plans and price points to meet the needs of any customer. Pricing starts at just $19 per month for credit monitoring and ranges up to $149 per month (plus the start up fee) for their most comprehensive credit repair plan, the Success Package. 

Unlimited disputes, an A+ BBB rating, and credit education tools are three more reasons to consider The Credit Pros.

Or visit our review of the best credit repair companies of 2021

sandra pearsons

By Sandra Pearsons

Sandra Parsons is a professional freelance writer specializing in personal finance, travel, and psychology. She draws on her banking experience and graduate-level research training to create factual and engaging content. You can find Sandra on Twitter @SandraLParsons. 

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