The Ultimate face-off: Lexington Law vs. vs. The Credit People

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 tight on funds and need to get quick results, then The Credit People is the way to go. They send in multiple dispute letters at a time so more than one entry is removed at once, in turn, speeding up the process. 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.

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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 –

Best Credit Repair Companies 2018


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Experience (Yrs)
Our Rating
BBB Rating : A+
Experience (Yrs) : 25+
Our Rating : 98/100
Budget : Premium
BBB Rating : N/A
Experience (Yrs) : 7+
Our Rating : 96/100
Budget : Premium
BBB Rating : A
Experience (Yrs) : 15+
Our Rating : 92/100
Budget : Budget
BBB Rating : A-
Experience (Yrs) : 20+
Our Rating : 89/100
Budget : Premium

An In-Depth Analysis of these Companies

#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, they ranked better than all credit repair companies when it comes to quality of service with results visible in the first couple of months.

So if you are looking for a trusted company to improve your credit score and happy to pay a premium, then Lexington Law is the way to go.

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  • 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, they 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 : Pyramid Credit Repair Review

If time is of the essence and you are looking for fast credit repair results, then Pyramid Credit Repair 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 Pyramid Credit Repair, 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.

Call Now at 877-684-4712

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  • The standout feature is the initial setup fee of $0, yup, absolutely that's free.
  • Their panel is also easy to use and their customer service can be contacted anytime from anywhere (and they are ready with solutions).
  • The assigned personal accountant keeps tabs on your progress and advises you accordingly.
  • Easy cancelation and 90-day money back guarantee instills trust and is a statement of intent.


  • Monthly fee of $99 may pinch but $0 initial cost and excellent service make it worth every penny

#3 Recommendation – The Credit People  (Budget Pick)

If they are fewer entries in your credit report or do not have the funds to pay the big time companies, you can opt for the upfront payment option of The Credit People which requires 0 initial cost and will last for 6 months.

Or if your skeptical about credit repair services you try out their their services for 7 days for a mere $19.

They also procure your credit report from the three bureaus, without any added cost. Furthermore, you can connect with the support team through chat or email for any assistance and they'll be their with the solutions.

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$19 (7-Day Trial)

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  • You can sign up for their 6-month service plan with an upfront payment of $299. (No Setup Fees).
  • They are one the few companies to offer a trail period of 7 days for just $19 which can be canceled anytime.
  • Or you can then upgrade the trial to a monthly service at a cost of $69 per month with $19 acting as the setup fee.
  • They pull in your credit reports at zero additional cost 
  • 100% satisfaction guarantee and you can opt out of their services at any time.


  • Customer Support department is available only from 8 a.m.-5 p.m. Email is the only acceptable mode of communication at other times but replies are quick.
  • Some deleted negative entries can crawl back into your reports so keep an eye out.

#4 Recommendation : CreditRepair.Com Review

With an experience of over 18 years, CreditRepair.Com is no joke, yes their name says it all. Their level of service is next to none and their state of the art of financial tools help them stand out but they can be comparatively expensive.

The services of are recommended if you are planning to improve your finances and also keep a check on your credit.

And to top it all of like any top company you're only charged if promises for the month are met.

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  • 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 about $100 bucks plus an additional $100 as setup fees, their services are the most expensive on our list.

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.