SuperMoney 

Compare Credit Repair Firms

Are you looking to improve your credit? A company that specializes in helping people clean up their credit reports may be able to help.

How do credit repair companies work?

Credit repair firms analyze credit reports, look for mistakes, and work to remove any erroneous information they uncover. While you can contact the credit bureaus and your creditors directly, hiring an expert streamlines the process and takes the responsibility off your shoulders. Firms will negotiate with creditors and do the heavy lifting of submitting forms so you don’t have to.

However, not all credit repair firms are trustworthy. There are some credit repair company scams. Checking credit repair reviews and company ratings can help you avoid these scams.

What are the most important features to consider when comparing credit repair companies?

Great question! It’s important to perform your due diligence when looking for a credit repair company as you will be giving them access to your personal information. Hiring a company with questionable practices can leave you worse off than when you started, potentially opening you up to identity theft or credit fraud. SuperMoney provides free credit repair company reviews, which can help you avoid credit repair company scams. Protect yourself and get on the road to a better financial future by asking the following questions when you vet firms.

What services does the credit repair firm offer?

Not all firms are equal and some will offer more comprehensive services than others. To help you get the most value, you’ll want to consider what all a company offers you. Here are the main services to look for:

  • Pull all three of your credit reports (Experian, Equifax, and TransUnion).
  • Review the specific details of your credit reports.
  • Identify the items on a credit report that are damaging.
  • Dispute questionable negative items (late payments, charge-offs, collections, repossessions, judgments, identity theft, bankruptcies, etc.).
  • Offering education on how credit reporting works, how to optimize your report, and how to dispute errors.
  • Help setting up a plan to build positive credit.
  • Providing monthly updates.

Check the services each firm offers to ensure you get the most for your money.

How much does the service cost?

Find a company with a fee structure that is competitive for the value being offered. Companies often charge a monthly fee and sometimes also charge an initial processing fee. Monthly fees range between $50 and $150, on average, while initial processing fees average around $80.

Look for firms that offer a free consultation to assess if they can help you before you pay anything. Additionally, go for companies that offer a money-back guarantee if you are not satisfied with their services.

Does the credit repair company set realistic expectations?

Repairing issues on your credit report is a process that takes time. Here are some guidelines on how long it takes to improve your credit score. When challenging an item, the credit bureau has 30 days to respond. If the credit bureau disagrees, the next step is to go to the creditor which also has 30 days to respond. If your creditor confirms your claim, the credit bureau must be contacted again and will have 30 days to respond.

With this in mind, credit repair firms should not offer a “quick-and-easy fix.” Instead, they should let you know that the process will take time, at least 30 to 45 days, and often longer. Additionally, they shouldn’t guarantee they will fix an error or raise your score. Further, if a company claims they can remove legitimate items from your report, walk away.

Does the credit repair company provide a clear written contract?

Credit repair firms must provide you with a written contract that clearly outlines their services and costs. Some will require a minimum commitment, like 12 months, while others will work on a month-to-month basis. The latter is preferable in most situations so you can quit the service at any time without paying a fee. If you are not provided with a contract, that is a red flag.

Does the firm have a good track record?

Check a company’s online reputation to see how past customers rate it. You can read reviews about many companies here on SuperMoney’s listing page. Also, check with the Consumer Financial Protection Bureau (CFPB) and attorney general’s office for complaints that have been filed about each firm you consider.

What do credit repair reviews say about the quality of the company’s customer care?

The credit repair firm should have a client support team that you can reach via email and phone. Live chat support online is a bonus. Check the channels of support, the hours of service, and the estimated response time.

Check what SuperMoney’s community credit repair reviews say about a firm’s customer service before you choose.

How long has the company been in business?

Consider how long the company has been in business when comparing options. Businesses that have been in business for at least five years and that have positive credit repair company reviews are more likely to be trustworthy.

Is the credit repair staff qualified?

Check the requirements for a credit repair firm in your state and city, such as being insured, bonded, and licensed. For example, credit repair companies in California must register with the Department of Justice and get a $10,000 bond.

Companies should be registered with your state’s attorney general’s office, with the exception of those in Florida. If they are not, they should at least be registered with or accredited by another state-wide consumer protection agency such as the National Foundation of Certified Credit Counselors (NACCC) or the Association for Financial Counseling and Planning Education (AFCPE).

Make sure the credit repair companies you are considering are compliant with federal and state requirements.

Additionally, staff members who will be handling sensitive information should be bonded, and it’s preferable for the firm to have licensed legal professionals on staff (such as attorneys).

Review and compare credit repair firms to find the right one for you

Ready to get started? It’s a good idea to compare at least three firms before making a selection but shopping around doesn’t have to be difficult. We have curated a list of credit repair companies along with their pricing, features, credit repair reviews from past customers, and more. Check what other consumers say about a firm in our credit repair company reviews. Save time finding the right firm for you by easily comparing your options below, side-by-side.

Compare Credit Repair Firms

Are you looking to improve your credit? A company that specializes in helping people clean up their credit reports may be able to help.

How do credit repair companies work?

Credit repair firms analyze credit reports, look for mistakes, and work to remove any erroneous information they uncover. While you can contact the credit bureaus and your creditors directly, hiring an expert streamlines the process and takes the responsibility off your shoulders. Firms will negotiate with creditors and do the heavy lifting of submitting forms so you don’t have to.

However, not all credit repair firms are trustworthy. There are some credit repair company scams. Checking credit repair reviews and company ratings can help you avoid these scams.

What are the most important features to consider when comparing credit repair companies?

Great question! It’s important to perform your due diligence when looking for a credit repair company as you will be giving them access to your personal information. Hiring a company with questionable practices can leave you worse off than when you started, potentially opening you up to identity theft or credit fraud. SuperMoney provides free credit repair company reviews, which can help you avoid credit repair company scams. Protect yourself and get on the road to a better financial future by asking the following questions when you vet firms.

What services does the credit repair firm offer?

Not all firms are equal and some will offer more comprehensive services than others. To help you get the most value, you’ll want to consider what all a company offers you. Here are the main services to look for:

  • Pull all three of your credit reports (Experian, Equifax, and TransUnion).
  • Review the specific details of your credit reports.
  • Identify the items on a credit report that are damaging.
  • Dispute questionable negative items (late payments, charge-offs, collections, repossessions, judgments, identity theft, bankruptcies, etc.).
  • Offering education on how credit reporting works, how to optimize your report, and how to dispute errors.
  • Help setting up a plan to build positive credit.
  • Providing monthly updates.

Check the services each firm offers to ensure you get the most for your money.

How much does the service cost?

Find a company with a fee structure that is competitive for the value being offered. Companies often charge a monthly fee and sometimes also charge an initial processing fee. Monthly fees range between $50 and $150, on average, while initial processing fees average around $80.

Look for firms that offer a free consultation to assess if they can help you before you pay anything. Additionally, go for companies that offer a money-back guarantee if you are not satisfied with their services.

Does the credit repair company set realistic expectations?

Repairing issues on your credit report is a process that takes time. Here are some guidelines on how long it takes to improve your credit score. When challenging an item, the credit bureau has 30 days to respond. If the credit bureau disagrees, the next step is to go to the creditor which also has 30 days to respond. If your creditor confirms your claim, the credit bureau must be contacted again and will have 30 days to respond.

With this in mind, credit repair firms should not offer a “quick-and-easy fix.” Instead, they should let you know that the process will take time, at least 30 to 45 days, and often longer. Additionally, they shouldn’t guarantee they will fix an error or raise your score. Further, if a company claims they can remove legitimate items from your report, walk away.

Does the credit repair company provide a clear written contract?

Credit repair firms must provide you with a written contract that clearly outlines their services and costs. Some will require a minimum commitment, like 12 months, while others will work on a month-to-month basis. The latter is preferable in most situations so you can quit the service at any time without paying a fee. If you are not provided with a contract, that is a red flag.

Does the firm have a good track record?

Check a company’s online reputation to see how past customers rate it. You can read reviews about many companies here on SuperMoney’s listing page. Also, check with the Consumer Financial Protection Bureau (CFPB) and attorney general’s office for complaints that have been filed about each firm you consider.

What do credit repair reviews say about the quality of the company’s customer care?

The credit repair firm should have a client support team that you can reach via email and phone. Live chat support online is a bonus. Check the channels of support, the hours of service, and the estimated response time.

Check what SuperMoney’s community credit repair reviews say about a firm’s customer service before you choose.

How long has the company been in business?

Consider how long the company has been in business when comparing options. Businesses that have been in business for at least five years and that have positive credit repair company reviews are more likely to be trustworthy.

Is the credit repair staff qualified?

Check the requirements for a credit repair firm in your state and city, such as being insured, bonded, and licensed. For example, credit repair companies in California must register with the Department of Justice and get a $10,000 bond.

Companies should be registered with your state’s attorney general’s office, with the exception of those in Florida. If they are not, they should at least be registered with or accredited by another state-wide consumer protection agency such as the National Foundation of Certified Credit Counselors (NACCC) or the Association for Financial Counseling and Planning Education (AFCPE).

Make sure the credit repair companies you are considering are compliant with federal and state requirements.

Additionally, staff members who will be handling sensitive information should be bonded, and it’s preferable for the firm to have licensed legal professionals on staff (such as attorneys).

Review and compare credit repair firms to find the right one for you

Ready to get started? It’s a good idea to compare at least three firms before making a selection but shopping around doesn’t have to be difficult. We have curated a list of credit repair companies along with their pricing, features, credit repair reviews from past customers, and more. Check what other consumers say about a firm in our credit repair company reviews. Save time finding the right firm for you by easily comparing your options below, side-by-side.

Loading results...

Company

Reviews

Monthly Fee

Initial Processing Fee

Additional Details

Company Website

Credit Saint

Credit Saint

35
 
8
47 total votes
Monthly Fee $79.99 Monthly Fee
Initial Processing Fee $99 Initial Processing Fee
  • Flat Rate Pricing
  • Licensed Legal Staff
  • Money Back Guarantee
  • Counseling
  • Credit Score Updates
Show Additional Details
  • Flat Rate Pricing
  • Licensed Legal Staff
  • Money Back Guarantee
  • Counseling
  • Credit Score Updates
The Credit People

The Credit People

15
 
15
32 total votes
Monthly Fee $79 Monthly Fee
Initial Processing Fee $19 Initial Processing Fee
  • Flat Rate Pricing
  • Licensed Legal Staff
  • Money Back Guarantee
  • Counseling
  • Credit Score Updates
Show Additional Details
  • Flat Rate Pricing
  • Licensed Legal Staff
  • Money Back Guarantee
  • Counseling
  • Credit Score Updates
CreditFirm.Net

CreditFirm.Net

4
 
2
7 total votes
Monthly Fee $49.99 Monthly Fee
Initial Processing Fee N/A Initial Processing Fee
  • Flat Rate Pricing
  • Licensed Legal Staff
  • Registered with Attorney General
  • Counseling
  • Credit Score Updates
Show Additional Details
  • Flat Rate Pricing
  • Licensed Legal Staff
  • Registered with Attorney General
  • Counseling
  • Credit Score Updates
The Credit Pros

The Credit Pros

Rating not yet determined

4 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Monthly Fee $129 Monthly Fee
Initial Processing Fee $179 Initial Processing Fee
  • Licensed Legal Staff
  • Money Back Guarantee
  • Counseling
  • Credit Score Updates
Show Additional Details
  • Licensed Legal Staff
  • Money Back Guarantee
  • Counseling
  • Credit Score Updates
Credit Assistance Network

Credit Assistance Network

Rating not yet determined

2 total votes
In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Monthly Fee $229 Monthly Fee
Initial Processing Fee N/A Initial Processing Fee
  • Licensed Legal Staff
  • Money Back Guarantee
  • Counseling
  • Credit Score Updates
Show Additional Details
  • Licensed Legal Staff
  • Money Back Guarantee
  • Counseling
  • Credit Score Updates
Lexington Law

Lexington Law

3
 
10
15 total votes
Monthly Fee $109.95 Monthly Fee
Initial Processing Fee $89.95 Initial Processing Fee
  • Flat Rate Pricing
  • Licensed Legal Staff
  • Registered with Attorney General
  • Counseling
  • Credit Score Updates
Show Additional Details
  • Flat Rate Pricing
  • Licensed Legal Staff
  • Registered with Attorney General
  • Counseling
  • Credit Score Updates
CreditRepair.com

CreditRepair.com

 
 
5
5 total votes
Monthly Fee $99.95 Monthly Fee
Initial Processing Fee $14.99 Initial Processing Fee
  • Flat Rate Pricing
  • Licensed Legal Staff
  • Registered with Attorney General
  • Counseling
  • Credit Score Updates
Show Additional Details
  • Flat Rate Pricing
  • Licensed Legal Staff
  • Registered with Attorney General
  • Counseling
  • Credit Score Updates