Best Credit Repair Companies [2024] Most Aggressive, Legitimate, Fast, Cheap
By Maddy Scheckel A FICO credit score is considered “good” if it lands in the 670-739 range.
But what if your credit score falls below that threshold, or what if you want to raise it even higher?
There’s a lot you can do on your own, but there are also companies that help fix credit. They’ll examine the negative items on your credit reports, then work to remove the ones that aren’t correct.
The result? Hopefully, a higher credit score!
Below, I describe the best credit repair companies, so you can choose a service that really lifts your score.
Source: Unsplash
How Does Credit Repair Work?
Credit repair works by fixing errors in your credit reports so that your credit score goes up.
To understand this process, you need a clear picture of how (and why) credit scores exist in the first place.
Basically, lenders and credit card companies want to know how trustworthy you are before they lend you money. But they don’t know every detail of your financial history, and so they base their decisions on your credit score.
And who creates your credit score?
Credit bureaus!
There are three major credit bureaus in the U.S.:
- Equifax
- Experian
- Transunion
These credit bureaus collect data about your financial history, including:
- Your payment history
- Your use of credit
- Bankruptcies
- Collections
- Repossessions
- Foreclosures
Then, they use all that data to give you a credit score.
But that’s a lot of information to keep track of! Isn’t it possible there could be a mistake somewhere?
Yes. That’s where the credit repair companies come in.
Credit repair companies will:
- Thoroughly review your credit reports to look for questionable data or places where the credit bureaus are unfairly counting something against you.
- Contact the credit bureaus on your behalf to get the “bad data” removed from your credit report.
These are both things anyone can do on their own, but having a company that specializes in this stuff can turn this tedious process into a simple one.
So, once the mistaken data is removed from your credit report, your credit score will rise.
And when your credit score rises, you have a much better chance of getting the loans, credit cards, and other financial products you need.
5 Best Credit Repair Companies
These days, lots of companies are offering fast credit repair. So, which is the best?
Fixing your credit is no small thing. After all, your financial well-being depends on it!
You need a credit repair company that’s:
- Aggressive – So you know they’ll stop at nothing to fix the credit bureau’s errors.
- Legitimate – So they won’t rip you off.
- Fast – So you can gain access to essential financial products ASAP.
- Cheap – So you can put your money towards other important projects.
Here are a few of the best credit repair companies that tick those boxes.
1 – Nevly Money
Best for: Budget-friendly service
Set-up fee: None
Monthly fee: $69.99
Nevly Money offers a comprehensive service for a single, fair price. This makes it the best option for fast credit repair on a budget.
Not only does Nevly Money skip the set-up fee, but they also don’t charge for the first month of service. So where most credit repair companies charge extra, Nevly Money gives you a freebie!
There’s only one service package, but it comes with pretty much everything you need for credit repair:
- Monthly credit report
- Credit score tracking and alerts
- Breakdown of the factors affecting your credit score
- ID theft insurance
Nevly Money also provides unique, next-level service options like rent reporting and a credit-builder credit card. You won’t find these “extras” with most companies that help fix credit.
If there’s a downside to Nevly Money, it’s that you don’t get a clear picture of how they work with credit bureaus. All they tell you is that they use a “suite of technology” to fix errors – with no details about cease-and-desist demands, credit report inquiries, or any specific interventions.
But here’s the good news: Nevly Money gets an A rating from the Better Business Bureau (BBB). So their reputation is strong enough that you probably should trust them!
| Pros: | Cons: |
| Costs just $69.99/month | Few details on specific interventions |
| No set-up fee | Only 1 level of service |
| First month free | No money-back guarantee |
2 – The Credit Pros
Best for: Credit builder loans
Set-up fee: $119 – $149
Monthly fee: $69 – $149
The Credit Pros is a comprehensive provider, and it’s definitely one of the best credit repair companies available today.
There are three levels of service, each with its own price:
- Money Management – $69/month ($119 set-up fee)
- Prosperity – $119/month ($119 set-up fee)
- Success Plus – $149/month ($149 set-up fee)
The Money Management plan is mostly about monitoring your credit scores, reminding you to pay bills, and helping you budget. These features are all super helpful, but don’t quite “repair” your credit.
The Prosperity plan is much more aggressive, and it involves actual interventions with the credit bureaus to help lift your credit score.
The Success plan takes things one step further by including a credit builder loan, which automatically reports your on-time payments to help increase your score.
One thing I love about The Credit Pros is that they offer free consultations. That means you can hear straight from an agent how the company’s services could work for you.
| Pros: | Cons: |
| Free initial consultations | The basic “Money Management” plan doesn’t involve actual interventions |
| Three plans to choose from | The set-up fees are high ($119 and up) |
| Offer credit builder loans |
3 – Credit Saint
Best for: An effective basic plan
Set-up fee: $99.00 – $195.00
Monthly fee: $79.99 – $119.99
Credit Saint has been around since 2004. This is pretty long in the world of credit repair, and it’s still one of the best credit repair companies in 2023.
One benefit of Credit Saint is its 90-day money-back guarantee. If your credit report hasn’t had any “questionable negative items” removed within 90 days, Credit Saint will give you back your money. To me, that shows the company has integrity. It also gives you peace of mind since you know you won’t end up wasting money on something that accomplishes nothing.
Credit Saint offers three tiers of service:
- Credit Polish – $79.99/month ($99.00 set-up fee)
- Credit Remodel – $99.99/month ($99.00 set-up fee)
- Clean Slate – $119.99/month ($195.00 set-up fee)
And while the more expensive plans obviously come with more features, even the basic “Credit Polish” tier will challenge the credit bureaus on your behalf. It’s just that the higher-priced plans are more aggressive.
| Pros: | Cons: |
| Three plans to choose from | The best plan has a high set-up fee ($195) |
| Basic plan includes challenges to credit bureaus | Basic plan doesn’t include credit score analysis |
| Includes money-back 90-day guarantee |
4 – Lexington Law
Best for: Multiple service options
Set-up fee: $89.95 – $129.95
Monthly fee: $59.95 – $139.95
With a wide variety of options for clients, Lexington Law is clearly one of the best credit repair companies in operation today.
Lexington Law offers four different levels of service:
- Lexington Essentials – $59.95/month
- Concord Standard – $99.95/month
- Concord Premier – $119.95/month
- Premier Plus – $139.95/month
The Lexington Essentials and Concord Standard plans are pretty basic, but they still help you by sending inquiries to the main credit bureaus.
The higher-level plans are where you really get the type of aggressive credit repair assistance that can have a major impact on your credit score.
With the Premier Plus plan, you’ll get up to 8 credit disputes with Equifax and Transunion per challenge cycle and up to 3 credit disputes with Experian. That means Lexington Law can really bring its expertise to the table, doing what it takes to get negative factors removed from your credit report.
| Pros: | Cons: |
| Four tiers of service to choose from | No money-back guarantee |
| Lots of free information available on their website about the credit repair process | No TransUnion credit monitoring included |
| Discount for veterans and active military – 50% off the first-work fee | Expensive set-up fees (starting at $89.95) |
5 – CreditRepair.com
Best for: Customer service
Set-up fee: $69.95 – 119.95
Monthly fee: $69.95 – 119.95
What makes CreditRepair.com one of the best credit repair companies is its excellent customer service.
Don’t let that “.com” in the name fool you. Yes, you can find lots of answers on the website, but you can also call on the phone for live support.
And that type of customer service can make the credit repair process a whole lot simpler.
CreditRepair.com offers three different packages:
- Direct – $69.95/month ($69.95 first-work fee)
- Standard – $99.95/month ($99.95 first-work fee)
- Advanced – $119.95/month ($119.95 first-work fee)
Even the Direct package is pretty comprehensive. It gives you bureau challenges, inquiry assists, and quarterly updates on your credit score.
Those higher-level packages are even more aggressive in fighting to repair your credit. The Advanced package, for example, includes monthly credit updates and cease-and-desist interventions, meaning you can monitor your progress as they fight to improve your score.
Getting started with CreditRepair.com is easy. Just schedule an online consultation. They’ll look at your credit reports and summarize your negative items without charging you a dime. This allows you to make an informed decision before signing up for the paid service.
| Pros: | Cons: |
| Free credit consultations | No money-back guarantee |
| Phone assistance for members | No service-by-phone on weekends |
| Bureau challenges available with even the most basic plan |
Source: Unsplash
Commonly Asked Questions About The Best Credit Repair Companies
Is Credit Repair Worth It?
Credit repair is often worth it. Some people claim it lifted their credit score by up to 40 points.
It’s especially worthwhile if you:
- Need to boost your credit score
- Have complicated factors on your credit report
- Don’t have the time to repair your own credit
Is Credit Repair a Scam?
Credit repair isn’t a scam. It’s a legitimate service offered by companies that examine your credit reports, then challenge negative items to give your credit score a boost. But make sure you use a reputable company. Options include Nevly Money, The Credit Pros, Credit Saint, Lexington Law, and CreditRepair.com.
Most Aggressive Credit Repair Company?
Some of the most aggressive companies that help fix credit include:
- StellarFi (read this full StellarFi review)
- Dovly (read this full Dovly review)
- CreditStrong (read this full Credit Strong review)
- Kikoff (read this full Kikoff review)
- Cleo (read this full Cleo Credit Builder Card review)
- Chime (read this full Chime review)
- Nevly Money (read this Nevly Money review)
- The Credit Pros
- Credit Saint
- Lexington Law
- CreditRepair.com
Also check out our comparison of Credit Saint vs Lexington Law, or see if working with the best tradeline companies could be the right credit repair solution for you.
If you want to make payments on your purchases without impacting your credit score, check out these no credit check shopping sites.
Meanwhile, learn how to budget for non recurring expenses so you can be prepared for unexpected costs going forward.
Do you get paid twice a month and find yourself struggling to account for that in your budgeting? Learn how to budget biweekly paycheck. And if you need to ramp up your savings fast, learn how to save $3000 in 3 months.
Legitimate Credit Repair Companies?
To avoid scams, make sure you use legitimate credit repair companies like:
- StellarFi (read this full StellarFi review)
- Dovly (read this full Dovly review)
- CreditStrong (read this full Credit Strong review)
- Kikoff (read this full Kikoff review)
- Cleo (read this full Cleo Credit Builder Card review)
- Chime (read this full Chime review)
- Nevly Money (read this Nevly Money review)
- Credit Saint
- Lexington Law
- CreditRepair.com
- The Credit Pros
These companies all have solid reputations, so you know they won’t rip you off.
60 Day Credit Repair?
60 Day Credit Repair promises fast credit repair, but the company gets an F grade from the Better Business Bureau (BBB), so I guess the results aren’t great. Some of the best credit repair companies, including Credit Saint, offer 90-day guarantees, and seeing results in 90 days is much more realistic.
If you’d like to learn which budgeting app could best help you manage your finances and boost your savings, check out these comparisons of Rocket Money and the competition:
Then use a net worth tracker to see how your new financial strategies are paying off.
Cheap Credit Repair?
Nevly Money offers cheap credit repair. Nevly Money charges only $69.99 for its complete package. There’s also no set-up fee, and they provide the first month of service for free.
Fastest Credit Repair Companies?
Some of the fastest credit repair companies include:
- StellarFi (read this full StellarFi review)
- Dovly (read this full Dovly review)
- Cheese (read this full Cheese Credit Builder review)
- CreditStrong (read this full Credit Strong review)
- Kikoff (read this full Kikoff review)
- Cleo (read this full Cleo Credit Builder Card review)
- Chime (read this full Chime review)
- Nevly Money (read this Nevly Money review)
- Credit Saint
- Lexington Law
- CreditRepair.com
- The Credit Pros
Credit Saint even offers a 90-day money-back guarantee, so they’re basically promising to produce results in just three months.
