Best Credit Repair Agencies in 2020

Credit repair companies exist to help individuals repair their overall credit score by handling the process on their behalf. They help clients evaluate their credit report to identify possible inaccurate information. They can then act on your behalf to challenge those items as well as those that are unfair or unsubstantiated and request that they are corrected or removed. We’ve listed ten credit repair agencies that can help you get back to an excellent FICO score once more.

Also, we really dig into the Realities of Credit Repair Companies in this article.

Credit Repair Companies: An Overview

A good credit repair company will have several flagstones that set it apart from some of the fly-by-night companies that continue to surface. One key thing you should look for is that the organization has licensed legal staff and is registered with the Attorney General. Another important aspect is the length of time they have been in business.

Further, a reputable organization will offer more than just credit repair. They should also provide you credit counseling or advice and strategies to re-build good credit. After all, there is no point in re-establishing good credit if you don’t know how to keep it.

Finally, you will want to make sure that progress is being made at an acceptable rate once you do choose a company to go with. Unfortunately, there are too many crooked organizations out there today that will be more than happy to collect a monthly fee but are slow to act on your issues.

With these things in mind, here are some of the top Credit Repair Agencies out there, all of them featured on our Credit Repair Reviews page.

Credit Saint

Credit Saint was established in 2004 and is well regarded as an industry leader. This full-service credit repair and financial improvement center offer credit repair services that help consumers improve their credit score. Credit Saint does this by educating them about how credit reporting works and disputing errors and aged debts with credit reporting agencies. They provide clients with 24/7 access to online tools for repairing bad credit and communicating progress updates and free credit report. Credit Saint does not tie consumers down to a contract, so it’s possible to cancel at any time you wish.

Sky Blue Credit Repair

For over 20 years, Sky Blue Credit Repair has been helping people with their credit repair needs. They offer a comprehensive package which includes disputing issues on your credit report and helping to rebuild your credit.

Sky Blue Credit Repair offers its customers’ credit counseling to get their credit back on track. They have flat rate pricing, a licensed legal staff, and are registered with the Attorney General. They also offer an unconditional guarantee which offers a complete refund if for any reason you are not happy with your service. This service, combined with their customer reviews, makes Sky Blue Credit Repair an excellent choice.

Lexington Law

Lexington Law is yet another firm that specializes in the process of removing inaccurate entries from your credit report. The firm has been in the business for 23 years and has served more than half a million customers. With a long history of restoring good credit, Lexington employs lawyers and paralegals that are experts in the area of credit repair laws nationwide and successfully removes over 2.5 million inaccuracies each year.

Lexington Law offers it’s customers credit counseling, credit score updates, and flat rate pricing. They are also registered with the Attorney General and have a licensed legal staff on hand.


Ovation Credit Services offers a free credit consultation even before you sign up for their services. They have been in business for 10 years and offer their customers a customized credit repair service with easy online access to your specific credit repair information.

This organization prides itself on the one-on-one customer service it offers, with an advisor that is assigned at the beginning of your service that follows you through the entire process. This organization is also registered with the Attorney General.

MSI Credit Solutions

MSI Credit Solutions offers credit counseling for it’s customers as well as a licensed legal staff to assist with your credit repair needs. MSI Credit Solutions is licensed with the Attorney General and have been in business for almost ten years. They offer credit score updates and flat rate pricing for their services.

One of the unique things about this company is that it guarantees to boost your credit score by at least 50 points or it will refund your money back to you. Their helpful and friendly staff offer good customer support and are very knowledgeable in the field of credit repair issues.


This company was established in 2000 to help customers address their credit report issues and improve their credit score by eliminating errors and negative marks on their credit report. They have a licensed legal staff on hand ready to help you with your credit repair needs and are registered with the Attorney General.

My Credit Group specializes in negotiating payments with your creditors to help fix your bad credit, as well as helping you open new positive lines of credit. They offer a full complement of features and services, flat rate pricing, and credit counseling services.

Flux Credit

Flux Credit offers debt-settlement services as well as all other credit repair services to help you fix your credit. They provide great resources for understanding and evaluating your credit rights. Also, Flux Credit promise to fight on your behalf for your credit rights so that you don’t have to deal with the hassles and headaches.

Flux Credit offers to reduce or eliminate total debt, repairs, and disputes credit on behalf of the customer along with other services such as having attorney representation, tax defense, and debt consolidation.

The Credit People

This organization was started in 2001 and is one of very few credit repair agencies to offer its services for a one-time, flat fee, and no recurring monthly fees after that. With their services, you get unlimited credit repair services and allows you to be involved in the process as much or as little as you want.

The Credit People also offers a guarantee that if you do not see an improvement in your credit score within six months, they will pay you $50. They also offer a complete money back guarantee if you are not happy with the services that you receive.

Veracity Credit Consultants

Veracity Credit Consultants takes a unique approach to tackle your credit issues by asking you where you want your credit rating to take you before they determine what kind of service they will offer you. They are honest and realistic with what they tell their clients to expect and focus on making corrections to your credit report and getting inaccurate information removed, thus helping improve your credit score.

This company was formed in 2003 and boasted over 100,000 customers served to date. They offer credit counseling, credit score updates, and flat-rate pricing.

180 Credit Solutions

This agency offers a full complement of credit repair services to help you improve your credit score. The company works closely with you throughout the process. Clients are assigned a dedicated account manager that helps you with an unlimited number of disputes to the credit bureaus. They also offer something that many other organizations don’t: a pledge to accomplish their services within six months so that you are not stuck paying endless monthly payments to a company not producing enough results.

180 Credit Solutions employs a licensed legal staff that is happy to help repair your credit issues and offer credit counseling. They also provide credit score updates and most of all, 180 Credit Solutions is registered with the Secretary of State.

FAQ on Credit Repair Agencies

How credit repair companies work?

A legitimate credit repair company removes negative items from your credit report and helps improve your credit standing, making it easier to obtain a mortgage, car loans, credit cards or insurance. Also, no credit repair company can guarantee that a bad score will improve.

How long does it take for credit repair to work?

The process still takes anywhere from 1-6 months, depending on the number of disputes you need to make. The average consumer usually completes the credit repair process in about 3-6 months, but it can be less if your reports only have a few errors to correct.

How much do credit repair companies charge?

The price of credit repair varies depending on the company, the state you live in and what type of services you need. Before you sign a contract, be sure you understand what you’re signing up for, how much you’ll pay and when you will be charged. Note that under the Credit Repair Organizations Act, credit repair companies are prohibited from demanding advance payment. That means they can’t charge you before any work is completed.

Can I fix my own credit?

Before you begin do-it-yourself credit repair, you’ll want to get copies of your full credit reports from all three bureaus (Experian, TransUnion, and Equifax). If you see any errors in your report, dispute them with the credit bureaus. Then, focus on paying down any credit card debt while making every bill payment on time. In the meantime, do not apply for new credit. Basically, in order to repair your credit, you will need to limit your use of credit.

Who are the top credit repair companies?

Here are some of the top credit repair agencies out there. Lexington Law, Sky Blue Credit Repair, Credit, Credit Saint, The Credit People and The Credit Pros.