List of Credit Repair Services

Use This Directory of Credit Repair Companies to Fix Your Credit Score

Sky Blue Credit Services

Sky Blue Credit

Sky Blue Repair can help you to fix serious errors that exist on your credit report. For $59 a month the company offers you access to their pro analysis service. This identifies the best dispute candidates and helps you raise your scores quickly. On the other hand, they offer you all the guidance you need to open new accounts when your score increases. Like many of the best companies, Sky Blue also provides a host of extras services. These options include online debt validation, letters to send to creditors, and negotiation guidance at no extra cost. It doesn’t matter if you are recovering from hard times or you made a few bad financial decisions over the years. Sky Blue Repair is one of the largest credit repair companies and they can help you get back on track.

Ovation Credit

With Ovation, repairing your credit is fast, easy, and effective. No matter what kind of problem you are having with your credit, Ovation can help you solve it. After you select your plan with this provider you will be asked to import your Experian report. They can then start working on your case immediately. Once the 3 bureau credit reports have been imported, you will be prompted to launch the dispute manager. During this process their legal team with work with the credit card companies to remove inaccurate items from your report. All you have to do is relax and enjoy the results.

Continental Credit Online

At Continental Online they believe the road to good credit can be a smooth ride. To make this happen the company provides each client with a personalized care plan that adapts to their personal needs. They take every aspect of your situation, the good and the bad, and come up with a plan that will get you the best possible results. Continental has an effective and efficient team of repair specialists who will help you every step of the way. Like most services listed here, they spend a good amount of time handling your account. Similar to most credit repair companies, this includes monitoring and online customer service. They also will correct negative information that affects your personal financial history.

Rising Point Solutions

Rising Point Solutions is a premier restoration and consulting company. Their credit restoration program consists of a custom repair plan. This can get you the best possible results in the shortest amount of time. As a client, you will have access to a respected client services team provided by the company and your online account 24 hours a day. One thing that makes Rising Point Solutions stand out in the crowd is its vast education resource. They have hundreds of articles that will help you better understand your credit report so you can maximize and repair your credit score.

Team USA Credit Repair

Team USA can help if you have a bad credit history. With over 35 years of combined experience, there is no situation they cannot help with. All of their agents are licensed and bonded so you are protected no matter what. What makes this company so unique is the fact their entire staff has at one point used the service. That means their staff knows exactly how you feel and will do all they can to help make your life a little better. Additionally, Team USA can help remove negative items such as judgments, child support, and late payments to name a few.


Your Credit Attorney

Your Credit Attorney offers a quality credit repair service at lower prices than many of the biggest companies. For $29 a month you can start the process of repairing your financial history. Once you get your FICO scores their team of professionals will work with you to come up with a personalized road map. Once a credit repair road map has been established you will be able to review it and approve it. If you approve the plan the company has put together, they will then start contacting the three largest bureaus. There are no hidden charges: you are free to cancel their service anytime.

Fowler Credit Restoration

Fowler and Fowler

With a 90% rate of complete removal or correction of the information reported on credit files, it’s easy to see why Fowler and Fowler is one of the best credit repair companies for the last decade. And unlike other companies in the industry, Fowler and Fowler do not use a preset computer program to help you repair your credit. Every plan they create is unique and personalized. They have a team of skilled counselors who will analyze your reports. Their experts will come up with a plan that will produce the best possible results when it comes to fixing your FICO score.

Key Credit Repair

Key Credit Repair

Key is a top-rated credit repair company that is helping everyday citizens rebuild their financial history. Over the years they have helped thousands of clients clean up their credit and get a fresh start. Getting started with them is quick and easy. It seems to be an easier process online, but their customer service is also during business hours. Throughout the consultation, you will speak with a trained specialist. This expert will work with you to come up with a customized action plan that fits your long term financial goals and monthly budget. There are no upfront fees, no contracts, and no commitments and the Key Credit Repair Team promises to put your needs first when speaking with creditors. You can pick your first payment date and expect to see results within 90 days.

Credit Repair VIP

Credit Repair VIP is a service that shows you how to repair your own credit for free. They provide articles on various topics in the industry to help everyday citizens regain control of their FICO scores. If you visit the company blog you will find information about home loan laws, financial education, training, and news about the best credit repair companies. You will also be able to use sample repair letters to send to your creditors as well as the 3 big bureaus. If you have tax liens, financial judgments, or bankruptcies, this service is for you.

pay after

Pay After Deletion

Pay After Deletion is a licensed credit repair company that has been in business for over 15 years. When you sign up with pay after deletion as a client you will only pay if they get results. To get started you will need to pay a $100 setup fee and give detailed credit history. This fee is guaranteed as well which means if they don’t get you results they will refund you 200%. With their money-back guarantee, you will get double your money back if they can’t deliver. To ensure they get you the best possible results they use 50 advanced repair tactics to get items removed from your credit reports.


The Credit Pros

The Credit Pros tends to get the best reviews of any credit repair company in this directory. The company is one of America’s 5,000 fastest growing companies for two years in a row by magazine. They offer one plan that starts at under $200 per person. There are extra costs for each item they remove from your report. This plan is a pay for results plan which means you will only pay if you get results. With this plan, you will get unlimited disputes, ID theft restoration, and assistance from a bureau expert and creditor dispute documents. You will also get credit monitoring and access to your online progress and reporting.


Free Score 360

Free Score 360 offers a different approach than other companies only dream about. Their interactive tools and learning center provides clients with a better understanding of why these actions impact scores. If your credit reports have errors, you will learn how to correct them using the ScoreSense Dispute Center. As a member of ScoreSense you will have access to monthly updates on all three of your credit scores. Members will also get $1 million in identity theft protection. This protects their personal and private history now, and then in the future.


Best Credit Repair Agents

Best Credit Repair Agents is a reputable service offering a quick and hassle-free process to repair your credit. First, they will review your credit reports from all three bureaus. This is a process that will identify items for removal. After your reports go through a specialist they will contact you within 24 hours. The specialist will develop a plan of action on which items to dispute. Once everything has been agreed upon The repair agents will go to work. In most cases, you will see results within 30 days, and they offer a money-back guarantee. As a client, you will be able to log into a secure website to check progress 24 hours a day.

better way

Better Way To Credit

Better Way offers a simple 4-step proven process that can help with errors on your credit report. Step one is budget and debt counseling, where you can get all your questions answered and learn more about the FICO restoration process. Step two is full analysis and education. After discussing your goals, you will be ready for a free in-depth full analysis of your online profile. Step three is a debt review. This is where a detailed review of all 3-credit reports will take place. This is an essential step in credit repair as it promotes openness and transparency. The fourth and final step is the identification of services. Like many of the best companies, they will create a solution to address the problem areas.


Credit RX America

CreditRX America offers fast credit repair with a promise. If they are unable to remove errors or disputable items, you will not pay a dime until it is done. It is this unique guarantee that has made the company one of the fastest-growing credit repair services in the country. And unlike other companies, with CreditRX you never have to worry about monthly fees, start-up fees, audit fees, hidden fees, or upfront fees. Per the Repair Organizations Act, if they can’t get results, you don’t pay. It’s that simple. The company also offers a free financial audit for all customers. You tell them what items you want to be deleted, and they go to work on those details. You should start seeing results within 30 days.


Veracity Consultants

Since 2003 Veracity Consultants has helped over 100,000 clients improve their financial future and credit history. The company has a proven formula that will get actionable results quickly. Unlike other credit repair agencies and debt help companies, Veracity Consultants does not charge any setup fees. Their monthly fees kick in when you create a CORE profile in their system. At this point, the company will contact you to begin building a plan of action based on your personal situation. Veracity Consultants offers all potential clients a no-obligation consultation. The goal of this is to help you understand how they repair your credit and increase your FICO scores.



CreditKarma is on a mission to help make financial progress possible for anyone looking to hire a credit bureau restoration service. The company accomplishes this task by providing the top tools, education, and opportunities. With these services, you can then make meaningful progress and achieve your financial goals. All CreditKarma members get free access to credit scores, home loan info, and financial monitoring. The idea is to show you where you are today so you can figure out what your next best move is. CreditKarma gives you the right information at the right time so you can focus on what’s important.

credit restore

Credit Restore USA

This company is located in Miami Florida and claims to be one of the largest credit repair companies in the USA. When you enroll in their online restoration service you will get access to a team of experts. These credit restoration experts will review and analyze disputable items. The goal is to ensure all information is accurate and up to date. If something needs to be disputed they will file an online dispute and send cease and desist letters on your behalf. Most customers reportedly start to see results with this provider in as little as 30 days. The company can complete the entire service within 3 to 6 months, and they provide free credit reports for the first year. Within the client portal, you will be able to review the status of your credit repair 24 hours a day. Save money by going with their yearly restoration service.

Legacy Legal Credit Repair

Legacy Legal is one of the most respected personal finance and credit repair companies in the industry. Legacy places high on most reviews of people interested in hiring a credit repair representative. LLCR has over 20 years of experience working with consumers across the country. They offer clients exceptional customer service and lifetime membership. Legacy also provides identity theft repair and protection. You have online access and a comprehensive financial restoration plan. The company believes knowledge is power when it comes to your credit history. Not only do they help you bring up your FICO score, but they also provide you with coaching and education. This education can help you understand and maintain your good credit for the rest of your life.

freedom credit

Freedom Credit Services

Freedom guarantees you will see an improvement, or they will refund your entire payment. They work with all three credit bureaus to ensure all information on your credit report remains accurate and up to date. If any information on your report is not current or unverifiable, they will go through the necessary steps to have it removed. This includes invalid interest rates and finance terms. The company can also help correct or remove judgments, fraud, tax liens, home loan foreclosures, and identity theft. Freedom will also handle collections, charge-offs, slow payment histories, and credit card issues. They can also assist with home loan repossessions, erroneous personal information, and bankruptcies.

arc credit repair services

ARC Credit Repair Services

This company helps individuals to create a better financial future by implementing their proven credit repair system. The company works with the credit bureaus as well as your creditors to repair your payment history. Like a law firm, they challenge negative items that affect your credit score. They also offer 24/7 online monitoring and monthly alerts. With these options, you can immediately know about any updates or changes to your personal report. They help you build a better financial future through education, technology, and customized tools. Their goal is to guide you on the top actions you need to take to maintain a healthy credit score.

advanced credit solutions

Advanced Credit Solutions

Advanced Solutions has been around for almost 20 years and is a recognized leader in the credit repair industry. The company has helped thousands of clients climb their way out of financial ruin. Advanced claims to be one of the best credit repair scores companies that’s in business. They are one of the few online companies that offer every client a dedicated client advocate. When you enroll in their program you will receive a restoration and maintenance manual. This booklet includes every form letter that they will use to increase your FICO score. You will also have 24/7 access to an online database where you can monitor your process as you go through the program.

Lexington Law

Lexington Law is a trusted leader among all credit repair companies. They claim to help their clients remove at least 7.5 million items a year from their credit reports. To get you the best possible results Lexington law firm leverages your consumer rights. This occurs along with their experience to engage with the creditors on your behalf. All you have to do is tell them which items to address, and they will take it from there. The company offers clients three different service levels with the Concord Standard plan starting at $79.95 a month. Their most comprehensive plan is the PremierPlus repair scores plan which starts at $119.95 a month.


CreditFirm claims to have a great track record of trusted customer service amongst the best credit repair companies. They offer superior results and have an excellent BBB rating. Their service has affordable payments and you can cancel anytime. Over the last 20 years, they have helped thousands of clients improve their long-term credit reports. This company raises scores by optimizing personnel files, deleting derogatory accounts, and providing 24/7 credit monitoring. By taking advantage of their free consultation you will get access to a certified credit consultant. This adviser will review your credit report and come up with a step-by-step action plan. This plan can help improve your credit score and reach your financial goals.

700 Credit Repair

700 Credit Repair is an online self-help credit repair service with a primary focus on fast score restoration. The main selling point of the service is a guarantee that if you follow the program you should see a FICO score that eventually reaches 700. They also have tailored services for consumers who are looking to get funding with lower interest rates. These items include boat purchases and RV or campers where you need a specific credit score to qualify with the lender. 700 Best claims to have Attorney Board Certified letters that you can offer to creditors. This company also goes beyond a 90-day guarantee with a lifetime guarantee for their services.