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Best Credit Repair Companies for 2017!

The Ultimate Faceoff: Lexington Law vs. vs. Sky Blue Credit

After going through over 20 credit repair companies, the above three were the only ones that stood out regarding trust, customer service and performance. However, all of these have their unique benefits, and through this section, we will point those out, so that you can choose which one you should go for –

There is no competition to Lexington Law when it comes to performance, and after talking with several finance experts, we rate their services as #1. They have the best team in the Credit Repair Industry and if the quality of service is what you are gunning for Lexington Law is the clear winner.

However, if you are planning to improve your finances (in addition to improving your credit score), you can go for They are at close 2nd when it comes to quality of service, but they make up for that with their financial tools. They guide you through future investments, loans and also give you tools through which you can track your whole progress.

Finally, if you are tight on funds and need to get quick results, then Sky Blue is the way to go. They send in 15 disputes letter at a time which helps in getting multiple entries removed at once. At the price point, their services were the best in the market, but some entries tend to crawl back into your credit report after some time, so you have to keep track of your score.

#1 Recommendation: Lexington Law Review

Over the years, the term ‘Credit Repair’ has become synonymous with Lexington Law. With an experience of over 25 years, their employees know everything there is about credit law.

In our tests, it ranked better than all credit repair companies when it comes to quality of service, and if you are looking for a trusted company to improve your credit score, then Lexington Law is the way to go.

Initial Fee : $79.95

Monthly Fee : $79.95

Phone : 

STL Rating : 5/5


  • Free access to your credit score and credit summary.
  • Easy to use panel and representatives discuss (in detail) about your report (and what can be done).
  • The most accurate process, their level of expertise in credit repair is unmatched.
  • A flat $50 discount is provided to couples, family members.


  • It takes longer than most credit companies to get negative entries removed. (However, the also have the lowest rate when it comes to negative entries reappearing in your credit report).
  • The cost of their setup fee at 99.95$ is on the expensive side.

#2 Recommendation : Sky Blue Credit Services Review

If time is of the essence and you are looking for fast credit repair results, then Sky Blue would be our recommendation. A lot of times we need a quick loan or a mortgage and the because of lower credit score, we are offered a higher rate interest.

You can change that by signing up with Sky Blue, who send in multiple disputes at a time, which helps remove incorrect charge-offs (and or late payment mistakes) from your credit report and this increases your credit score.

Initial Fee : $59

Monthly Fee : $59

BBB Rating : A+

Phone : 

STL Rating : 5/5


  • At a setup fee of $59 and a monthly fee of $59, their services are affordable.
  • Their panel is also easy to use and their customer service is easy to reach (and they are ready with solutions).
  • They send in 15 disputes at a time (5 per bureau) and this helps remove multiple entries at once.
  • Clients start seeing significant improvements from the third month.


  • Some entries are initially removed form your credit report, but they crawl back in after some time. (Monitoring your credit report from time to time is recommended).

#3 Recommendation : CreditRepair.Com Review

With an experience of over 18 years, CreditRepair.Com is no joke. Their level of service is only second to Lexington Law, but they cover that up with their state of the art of financial tools. The services of are recommended if you are planning to improve your finances and also keep a check on your credit.

Their tools make it super easy for you to track your progress.

Initial Fee: $79.95

Monthly Fee : $79.95

BBB Rating :   A-

Phone : 

STL Rating : 4/5


  • They offer integrated services of Credit Repair & Credit Monitoring.
  • The panel is convenient to use and you can easily choose the entries (in your credit report) that you want to dispute.
  • The service is known to get good results in the first 3-4 month of service.
  • You can track your progress (and your credit score) through the mobile app.
  • Other features like text alert, make their services convenient for the user.


  • At a monthly cost of close to 100 bucks, their services are the most expensive in our list.

#4 Recommendation – Ovation Credit Services Review

Ovation Credit has the most affordable services in the credit repair industry. At this low price also, they offer multiple features.

With their upgraded plan, you can monitor your progress and overall it is also another convenient Credit Repair Company.

Initial Fee :   $59

Monthly Fee : $59

BBB Rating :  A+

Phone : 

STL Rating : 5/5


  • Monthly cost of just $49.
  • Easy to use panel.
  • With adds-ons, you can fast track your disputes.
  • A personal advisor guides you through your report and recommends which entries should be disputed first.


  • Many customers have complained about reliability issues.
  • For credit monitoring you need to opt for $89/month plan.

#5 Recommendation – The Credit People Review

Finally, if they are fewer entries in your credit report, you can opt for the upfront payment option of The Credit People.

They also procure your credit report from the three bureaus, without any added cost.

Initial Fee :   $59

Monthly Fee : $59

BBB Rating :  A+

Phone : 

STL Rating : 5/5


  • You can sign up for their services with an upfront payment of $299. (No Setup Fees).
  • You can also opt for monthly services at a cost of $59 per month. (Setup Fee – 19$)
  • They pull in your credit reports at zero additional cost.
  • 100% satisfaction guarantee and you can opt out of their services at any time.


  • Customers have complained that many entries reappear after few days of removal.
  • Issues are experienced on their panel, from time to time.

What Are Credit Repair Companies? What Do They Do?

Credit repair companies are organizations that can help resolve issues that negatively affect your credit. Late payments, delinquent accounts, or even simple errors can cause your credit to take a hit. When this happens, you may find it harder to get the type of loans you need to attend school or buy a home. It can also cause you to struggle to make ends meet in the present.

These companies work according to federal standards to help clean up your credit by mitigating issues that may be causing the problem. Some issues are easier to resolve than others, but credit repair companies can prove to be a valuable solution in many cases.

How Does the Credit Repair Process Work?

In order to fix your credit, credit repair companies work to analyze your credit and discover what is causing the problem. Then, the companies provide services on a case-by-case basis to help deal with the existing problems.

In some cases, companies may provide credit counseling to help you develop the necessary habits to improve your credit score over time. While something like duplicate charges can be corrected, the only legal way to improve your credit – in some cases – is by changing your financial activity and analyzing future credit reports effectively.

The credit repair process can help you in the present and put you on track for continued success with credit management in the future. By working within legal parameters and using industry expertise, companies can help you restore your credit.

How Much Does It Cost?

Credit repair companies are not uncommon, and prices will vary. However, this service can easily be found for less than $100 a month. This allows the customer to have credit experts working to handle troublesome credit issues constantly during that period.

The monthly cost relates to the way credit is reported. Certain credit issues may affect your current reports even if the issues originated in the past. The longer these go unresolved, the harder it can be to dig yourself out of the mess.

This type of expense may only need to be paid once, for minor issues. This mean a minor cost in the present can help you repair your credit and put yourself on the path to better financial status in the future. This means the fee, regardless of exactly what it is, can pay for itself over time.

How Long Does it Take to Repair Your Credit?

Credit repair services are unique in that a person’s credit may be affected by a variety of different issues. For simple issues, a person may be able to get the quick and concise resolution they need before their next report is published. This means in less than a month, your credit can be fixed with credit repair services.

But the credit repair process can vary over time, with certain issues proving harder to resolve than others. Banks, credit bureaus, and other organizations may have to be contacted in order to get these types of issues handled. But credit repair services have the expertise needed to identify the problems with your credit and get to work on a timely resolution.

The longer you deal with credit problems, the worse they can become. This means even a minor mistake can cause you stress and additional monetary woes. Once a credit repair company is hired, they can go to work immediately by analyzing your reports, alerting you of the problem, pursuing a resolution, and advising you in the future.

Does it Come with a Money Back Guarantee?

Credit repair companies are confident in their abilities to handle these types of issue for customers. While credit issues can seem daunting to those who aren’t experts in this area, those who handle credit issues for a living can confidently take on credit issues and find suitable resolutions for each customer.

This means money back guarantees are not at all uncommon with credit repair companies. Every company offers something different, but many organizations are quick to boast about their success rates thanks to their diligence as well as their experience.

Things to Consider Before You Pick a Credit Repair service

A credit repair company works to understand your credit issues and work within legal parameters to handle them. This mean you stay entirely informed during the process and the company operate in accordance with applicable laws pertaining to credit and finance. Any reputable credit repair company will have a focus on legal knowledge, and those that don’t may not be the best option.

Considering a credit repair company is a big step, as providing information about one’s credit can result in certain issues if the company is not reliable. In order to help ease a person’s mind, many companies will provide access to reviews and success rates their organization has accumulated through helping customers.

When your credit is in bad shape, you are no doubt going through a difficult time. The thought of turning over your information to someone else can sometimes cause a lot of anxiety, so it is good to work with companies who boast a record of reliability and trustworthiness.

Alternatives to Hiring a Credit Repair Company

While credit repair companies can provide a great service to those who are dealing with financial problems and account issues, these companies don’t perform any services a person couldn’t handle themselves. Given there is no one “secret” to repairing credit, some people choose to fix their own issues through independent research an individual action.

But credit can be hard to understand when a person isn’t an expert. Banks, credit organizations, and financial laws all influence how credit works, and trying to learn all of this information can be overwhelming.

Depending on the type of credit issue, some people choose to handle it on their own. But more serious problems and confusing issues can demand outside attention. Most people who experience major credit issues lack the knowledge to handle them alone, and finding the time to study up on these issues can be very difficult.

Here's Why a Credit Repair Company is Worth the Cost!

There are many reasons why people would want to get their credit repaired. You can experience stress, a damaged reputation, financial problems, and in some cases even legal issues due to bad credit. But since credit companies don’t do anything you couldn’t do yourself, why do people hire them? The answer is credit repair companies have the specialized knowledge and experience needed to handle these problems in a timely and concise manner.

While credit problems may seem puzzling for those who have never encountered such an issue before, credit experts have a working understanding of how banks work, how credit reports are generated, and how certain actions can negatively affect a person’s credit score. This knowledge allows them to handle credit issues quickly.

You have plenty of responsibilities to adhere to, and handling credit issues can sometimes take up a large amount of time. By hiring a credit repair company, you can get a team of dedicated specialists who will work diligently and effectively to help you repair your credit.

The Long-Term Benefits of Hiring a Credit Repair Company

While you may think a small problem on your credit isn’t a huge issue, it could become one. Most people don’t think they need credit repair since their current issues aren’t causing them too many problems. But overtime, these problem can compound leading to a much more difficult situation.

Credit repair can manifest itself on your very next credit report in some cases. Not only does this mean you’ll feel the benefits in the present, it means credit issues that were holding you back will finally be resolved. This lets you enjoy more financial freedom and makes it easier for you in the future.

In today’s world, good credit is everything. To travel, make purchases, get an education, or engage in other common aspect of life, a person needs a solid credit score that allows others to trade and network with them constantly. Credit card repair companies don’t use any special tricks or questionable tactics – they simply utilize a detailed understanding of credit legalities and a willingness to work with appropriate parties to help you correct your credit in a timely, affordable manner.

Getting Started with Credit Repair Services

If you’re tired of dealing with credit issues that are bogging you down, hurting your finances, and making your life difficult, getting started with credit card repair can be your best bet. After shopping around for companies, it is best to identify the exact issues you have and how long they have been causing you problems. This can help the company work with you more efficiently.

Credit repair services can be the best way to resolve your credit issues and putting yourself on the path to better credit in the present and in the future.