The 14 Best Credit Repair Companies for Boosting Credit Scores

A credit score is a numerical representation that determines a consumer’s ability to pay bills on time. This number affects nearly every aspect of a person’s life. A person with a low credit score is likely to pay more per year in car insurance, mortgage costs, or loan payments.

In a worst-case scenario, a bad credit score can prevent one from getting a job. Fortunately, good ways exist to help consumers fax a lousy credit score. Reputable credit repair services are available for consumers to utilize annually to boost their credit scores. By choosing a reputable credit repair service, one can improve a credit score by hundreds of points.

Each credit repair company claims to help users fix a bad credit score. However, not all credit repair companies can deliver their promises. Besides, some charge very expensively for their services while others offer good services at competitive prices. With many credit repair companies offering various service packages to make accurate credit reports, consumers face a challenge in selecting the best credit repair company.

Which credit repair company provides the best credit repair services? How can one spot the best credit repair service? To separate the best providers from the rest, we tested and rated different companies of the credit repair industry that provide credit repair services online.

The Top 14 Credit Repair Services in 2022

After careful analysis and testing of several credit repair services, we ranked the best credit repair companies available, which are best suited for an average citizen seeking to improve their credit report. Here are our rankings of the best credit repair companies in 2022.

Sky Blue Credit At one price you can avail all features of credit repair
Credit Saint Offer three credit repair packages to fix your credit score
Lexington Law No set up fee and cancellation fee
CreditRepair.com Credit monitoring available in all packages
TransUnion Deal with major credit bureaus while monitoring the credit reports
Credit sesame It provide legitimate credit repair services
Credit Karma Impact your credit scores drastically
Credit watcher Alerts you about the changes in the credit score
Credit Monkey Free credit score analysis and consultation
MyFico Provide identity theft protection and insurance
Curadebt Help to deal with all debt transactions and cease letters
Free Score 360 Provide free services to repair your credit report and score
The Credit People Help to remove all negative and unwanted transactions from your credit report
Leap Credit Help to monitor your credit scores with three credit bureaus

To understand how most credit repair companies work, let’s discuss each of them individually.

Sky Blue Credit


Sky Blue Credit takes the first slot as one of the best credit repair companies to consider in 2022. This legitimate credit repair company comes with a free 6-day trial period which makes it different from other credit repair companies.

Sky Blue Credit has been operational since 1989, making it one of the oldest providers on this list. Besides, the company can identify credit issues other providers ignore. This gives users a better score improvement than they can get from other providers on this list.

Other advantages of this company include faster dispute resolution (15-35 days), professional credit score analysis, state law research for each debt collection issue, and customized disputes. Importantly, Sky Blue Credit is a reputable credit repair company listed here with thoughtful challenges and actionable improvements in credit score.

Key Highlights
  • Offer free credit score analysis
  • Provide credit monitoring from major credit bureaus
  • Provide free credit consultation to make accurate credit report
  • Evaluate credit history to remove errors from credit report
  • Better Business Bureau Rating A+
    Money Back Guarantee 90 days
    Set Up Fee $79
    Monthly Fee $79

    Credit Saint


    Credit Saint is one of the best credit repair companies to consider in 2022. This best credit repair company offers a credit restoration service that claims to be number one in challenging any inaccurate credit information. Credit Saint grants a free consultation upfront, making it easy for consumers to see exactly how the company works and how it can help them.

    Credit Saint is one of the legitimate credit repair companies that is best-known for running a private dashboard, its top-notch educational resources, and overall experience. Consumers using this credit repair service can improve their scores fast, efficiently, and effectively. The company also offers free services apart from its paid credit repair service.

    Key Highlights
  • Offer credit restoration services
  • This is one of the credit repair companies that offer free consultation
  • Remove unwanted transactions from the credit report
  • Provide credit score analysis
  • Better Business Bureau Rating A
    Money Back Guarantee 90 days
    Set Up Fee $99
    Monthly Fee $80 to $120

    Lexington Law


    Lexington Law is available online at LexingtonLaw.com. This best credit repair company offers an efficient credit repair process backed by a professional law firm. Good credit repair doesn’t happen instantly. Instead, it takes time, effort, and legal expertise. Lexington Law allows users to get that expertise and help them repair their credit reports.

    To accomplish its goals, Lexington Law begins by researching and reviewing the credit report of its clients. The credit repair company then analyzes the credit report and determines which negative aspects are wrongfully affecting the score. It challenges each item and files a dispute against each of them.

    After filing a dispute against each item, the company asks the major credit bureaus and creditors to review the negative pieces and verify them as accurate and fair. If they fail to verify the information as accurate, then they should legally remove them. Most importantly, Lexington Law can manage and supervise its clients’ credit scores over time while dealing with new issues as they arise on their credit reports.

    Additionally, Lexington Law is among the most experienced and best credit repair companies listed here. Established in 2004, the firm has helped remove more than 70 million faulty items from its client’s credit reports.

    Key Highlights
  • It is one of the major credit reporting agencies
  • Provide various credit repair packages
  • Remove unwanted items from credit reports
  • Offer free consultation and free credit score analysis
  • Better Business Bureau Rating C
    Money Back Guarantee N/A
    Set Up Fee N/A
    Monthly Fee $89.95



    This best credit repair company offers many free rewards that are unavailable from other providers listed here.

    Once a client gets this free information, they can proceed with CreditRepair.com’s complete services. The company works similarly to other top-ranked credit repair services on this list. CreditRepair.com scans it’s client’s report for any erroneous entry, in which case it challenges the bureaus and lenders to confirm the accuracy of the disputed entries.

    According to the credit repair organizations act, major credit bureaus must delete any entry that they cannot verify. This is how the company improves the credit report of its members. So far, CreditRepair.com has helped delete 1.8 million entries since 2012.

    Key Highlights
  • Free credit score analysis and free credit consultation
  • Provide free credit reports
  • Deal with credit monitoring from major credit bureaus
  • It is one of the credit repair agencies that make accurate credit reports for future benefits
  • Better Business Bureau Rating D
    Money Back Guarantee N/A
    Set Up Fee N/A
    Monthly Fee $99.95



    TransUnion is among the three major credit bureaus in the US, alongside Experian and Equifax. In addition to credit repair, the company offers other credit protection services. It monitors credit scores as a non-profit business and provides subscription services to help it monitor and improve credit scores over time.

    TransUnion provides several tools that can help improve credit reports. Major benefit of subscribing to TransUnion services is ID theft insurance. With this service, subscribers get up to $1 million of insurance against identity theft. In that case, if a subscriber’s information is compromised, leading to loss of money, then TransUnion can compensate the subscriber. Additionally, TransUnion offers adequate tools to help users repair and manage their credit reports with free ID protection, among other benefits.

    Key Highlights
  • Offer multiple tools to repair your score
  • Promise to remove negative items from credit reports
  • Offer free consultation and credit reports
  • Provide identity theft protection
  • Better Business Bureau Rating A+
    Money Back Guarantee N/A
    Set Up Fee N/A
    Monthly Fee $25

    Credit Sesame


    Credit Sesame allows users to understand, access, and maximize the use of their credit reports. The credit repair company is among the few providers on this list with an effective mobile app. Users can access the Credit Sesame app on both Android and iOS devices. This makes it easy to manage and repair credit reports on the go.

    More importantly, Credit Sesame’s app focuses on the personal credit management platform. This platform allows users to monitor and observe all issues associated with the user’s credit. Users can access their credit score, view their credit report free at any time, and learn more about credit scores.

    The best part of this company is that its services are free. Unlike other providers on this list that charge a fee to access a credit report, Credit Sesame is free to use. Besides, the company provides personalized assistance based on the user’s credit, which allows them to utilize their credit for different opportunities.

    Key Highlights
  • Detect negative items in your credit reports
  • Offers various credit repair packages
  • Free consultation and credit score analysis
  • Free advice on how to protect finances
  • Better Business Bureau Rating A+
    Money Back Guarantee N/A
    Set Up Fee N/A
    Monthly Fee Free

    Credit Karma


    Credit Karma is among the best credit repair companies to consider in 2022. The company is one of the best-known credit repair agencies on the market today, with a wide range of credit repair services and other credit-related products. It comes with a free app, which users can download to join a community of more than 100 million members.

    Like Credit Sesame, Credit Karma is free. The company provides free insight into the user’s credit score and report. In return, they use the information to present users with offers. Credit Karma has multiple presentations for credit cards, loans, accounts, savings opportunities, auto financing, and mortgages, among others.

    Since the app is free to use, customers don’t have to take advantage of these opportunities. In some cases, the best credit repair services are the ones managed by the user. Credit Karma allows users to manage and monitor their credit score, thereby helping them to avoid erroneous entries and penalties.

    Key Highlights
  • Easy to sign up
  • Free credit score analysis and credit reports
  • Free credit consultation
  • Provide effective suggestions on how to improve the score
  • Better Business Bureau Rating A-
    Money Back Guarantee N/A
    Set Up Fee Free
    Monthly Fee Free

    The Credit Watcher


    The Credit Watcher allows users to instantly access their three credit scores from the three credit bureaus. Users can get secure online delivery of their three credit reports immediately while they continue receiving their credit scores and credit reports daily.

    The Credit Watcher is also among the top credit repair companies listed here that work as a monitoring and reporting service. Users should note that Credit Watcher is not a full-service credit repair company. The company gives users the information they need about their credit, which allows them to track their improvements over time and avoid erroneous entries.

    Besides, the company doesn’t give users the same personalized assistance as most credit repair companies on this list do. However, users can pay a premium to avoid having their information sold.

    Key Highlights
  • Provide 24 hours credit monitoring
  • Offer three credit scores immediately
  • Free consultation
  • Alerts you about credit score changes
  • Better Business Bureau Rating F
    Money Back Guarantee N/A
    Set Up Fee N/A
    Monthly Fee $39.99

    Credit Monkey


    Credit Monkey is the company that claims to give users meaningful improvement to their credit score by deleting any erroneous entries. As revealed by the company, 89% of credit reports have false entries and other mistakes. While such errors could be as simple as inquiries, there are significant errors such as collection issues, bankruptcies, late payments, or charge-offs. All these can lower a person’s credit score.

    Credit Monkey provides users with six service packages to improve their credit reports. The more a user pays, the more entries can be removed from their credit report.

    Key Highlights
  • Provide various credit repair options
  • Appoint personal manage to every client
  • Provide live score portal
  • No setup charges
  • Better Business Bureau Rating B
    Money Back Guarantee 90 days
    Set Up Fee Free
    Monthly Fee $99 to $499



    MyFICO is the registered consumer division of FICO under fair credit reporting act, an analytics company that monitors credit scores using information from all three credit bureaus. MyFICO offers two plans—an advanced plan for $29.95 per month and a premier subscription service that costs $39.95 per month. Both subscriptions allow users to monitor their credit score, thereby checking for errors and mistaken entries.

    Overall, MyFICO displays its credit repair and tracking services as an all-in-one solution. Users can get data from all three credit bureaus instead of getting it from one or two credit bureaus.

    Ninety per cent of lenders already use FICO scores to calculate rates, which is why MyFICO makes it easy to track the critical metric to help boost credit scores. Upon subscribing to MyFICO’s services, users can receive complete three-credit bureau coverage, amongst other perks:

    • Up to $1 million of identity theft protection
    • 24/7 identity restoration service
    • Continuous tracking of credit score
    • Credit report
    • Identity
    Key Highlights
  • Provide affordable credit repair packages
  • Support unique credit score analysis
  • Offer credit monitoring
  • Offer detailed credit reporting
  • Better Business Bureau Rating A+
    Money Back Guarantee N/A
    Set Up Fee N/A
    Monthly Fee $39.95



    Launched in 2000, CuraDebt has offered debt relief services in the United States and helped users with tax debt, medical bills, credit card issues, and other unsecured debt. This is the right credit repair company that offers a free savings estimate that enables users to see how much they can save before ordering anything from the company.

    In the last two decades, the company has served more than 200,000 clients. This makes it one of the best top credit repair companies that could help lighten the financial burden. Besides, CuraDebt boasts a strong team with more than 100 years of combined experience in solving tax and debt problems.

    This right credit repair company focuses on tax resolutions, complex resolutions, audit defense, partial payment plans, and non-collectable resolutions. By reducing their debt, users can improve their credit scores. CuraDebt helps users lower the amount they can owe, thereby helping them raise their credit score.

    Key Highlights
  • Provide free credit reports
  • Offer free consultation on your credit report
  • Offer debt counseling for free
  • Resolve financial errors
  • Better Business Bureau Rating A+
    Money Back Guarantee N/A
    Set Up Fee N/A
    Monthly Fee Free



    This credit repair company offers legitimate credit repair services by providing credit reports from all the major credit bureaus in the US. FreeScore360 gives users a seven-day free trial, which allows them to access their credit scores immediately they sign up.

    On the seventh day after sign-up, the company starts charging $29.95 every month if the user hasn’t canceled the subscription. The subscription runs every month for ongoing tracking until the user cancels. Once subscribed, users get access to FreeScore360’s ScoreSense system, which provides daily monitoring and alerts.

    Besides, the company runs an interactive learning center that gives users further insight into their credit score and its functions. For those looking to monitor their credit score at affordable costs, FreeScore360 could be the best option.

    Key Highlights
  • Provide credit monitoring with major credit bureaus
  • Offer seven days trial
  • Deliver identity theft protection
  • Serve various credit repair options
  • Better Business Bureau Rating A
    Money Back Guarantee N/A
    Set Up Fee N/A
    Monthly Fee $29.95

    The Credit People


    The Credit People is another company to consider when it comes to credit repair. According to their estimates, an average customer could increase their credit score by 53 – 187 points when using their services. This company boasts strong reviews online from Consumer Affairs and other mainstream review websites.

    So far, The Credit People has helped remove over 1.4 million issues from its customers’ reports. Additionally, up to 78% of its employees have received loan approvals, 71% home loan approvals, and 81% credit approvals, among other benefits by using their service.

    Available online at TheCreditPeople.com, this company helps users access all three credit reports and credit scores once they sign up. The users get guaranteed results in less than 60 days while the company takes specific steps to improve their credit score.

    While it appears like a new service, The Credit People has served for 15 years, offering credit repair services for as low as $19. It’s currently one of the top-ranked credit repair services on the market, which go beyond mentoring services.

    Key Highlights
  • Provide 24/ 7 customer service
  • Offer three credit repair packages
  • Responsible for credit monitoring
  • Offer attractive discounts
  • Better Business Bureau Rating C+
    Money Back Guarantee 60 days
    Set Up Fee $19
    Monthly Fee $79

    Leap Credit


    Leap Credit makes it easy for users with all credit levels to get the money they need faster. Leap Credit offers a simple application process and fast approval, among other advantages for users with all credit levels.

    Leap Credit offers loans to users based on basic terms such as a verifiable source of income, an open checking account, and a US citizen of at least 18 years old. Once all the conditions are met, the money is sent to the user’s account in as little as two business days.

    Key Highlights
  • Provide fast credit repair options
  • Offer credit remodel package
  • Provide identity theft protection
  • Protect important documents and information
  • Better Business Bureau Rating B
    Money Back Guarantee N/A
    Set Up Fee N/A
    Monthly Fee Free

    How We Ranked the Best Credit Repair Companies 2022

    All legitimate credit repair companies promise to help users improve their credit reports by applying proven and reputable methods. However, not all credit repair companies live up to that promise. To come up with this ranking of the best credit repair companies, the following metrics were applied:

    Credit Score Improvement

    People use reputable credit repair organizations to improve their credit reports. After analyzing several credit score companies, the most important thing that stood out was the number of points they improved users’ credit scores on average. Many reputable credit repair companies can improve a score by at least 100 points.

    Price and Value

    Some clients can comfortably spend thousands of dollars on improving their credit reports. However, most people can only afford less than that. This ranking considered the price and value of each service.

    Transparency and Honesty

    Some credit repair agencies exaggerate their claims regarding their credit repair options and services. For example, some providers claim they can improve credit scores by hundreds of points in just one week, which is near impossible. This ranking preferred providers that were transparent and honest with their benefits.

    Accurate Estimated Credit Score Increases

    Legitimate credit repair companies can monitor the average number of points by which they could improve customers’ credit scores. For instance, TheCreditPeople.com gives an estimated credit score improvement of 53-187 points depending on the average increase from previous customers.

    Repairs Versus Monitoring

    Many credit repair companies focus on credit monitoring while others take specific steps and credit repair packages to improve users’ credit scores. Consumers with limited knowledge often find it difficult to know how each credit repair company works. This ranking preferred companies that prioritize credit repair services as opposed to basic monitoring.

    Credit Repair Process

    Most credit repair services work by disputing erroneous data on a user’s credit report. This is easy, and anyone can simply do it by contacting the three credit bureaus. However, the best credit repair services go beyond this and provide proof for each item on a credit report.

    Satisfaction Guarantee and Refund Policy

    Credit repair companies seldom guarantee an increase in credit scores. However, the best credit repair companies support their claims with a moneyback guarantee and other customer satisfaction promises. For instance, Credit Saint provides a 90-day moneyback guarantee to all its clients.

    Dashboard, User Interface, and Overall Convenience

    Some credit repair websites have a user dashboard that is easy to use, making it easy for users to monitor and manage their credit scores. This listing considered overall customer experience, with a preference to companies that maximized customer experience to help them improve their credit scores.

    Company Experience and Reputation

    Some credit repair companies have many years of experience in helping people repair their credit scores online. Others are still new in the industry with limited experience, having launched their services in the last few years. This ranking considered a provider’s experience and overall reputation.

    Top 10 Surprising Benefits of Repairing Your Credit Score

    Repairing a credit score is one of the best decisions one can make. With a good credit score, one can get a mortgage or rent a home. It could also help improve chances of employment and save thousands of dollars in auto insurance.

    With that in mind, here are the top 10 benefits of improving a credit score:

    Marry the person of your dreams

    According to Market Watch, 58 percent of Americans said they would not marry a partner with significant debt. In some cases, people go as far as running a credit report on a preferred partner before they begin a serious relationship. Bad credit could be a red flag that prevents a person from getting a life partner.

    Cheaper Auto Insurance

    A good credit score leads to cheaper auto insurance. For instance, the average American spends $1450 per year on full coverage auto insurance. However, the average person with lousy credit parts with more than $2100 per year on auto insurance.

    This means a bad credit score could make one pay more than $1000 more every year than the average citizen. In nearly every state (except Hawaii, Massachusetts, and California), insurance companies are mandated by law to calculate insurance premiums based on the customer’s credit score.

    Better Credit Cards and Higher Limits

    Improved credit scores could help one get new credit cards with higher limits. People with a good credit score are considered good at repaying loans. This attracts more companies to lend them money, coupled with other rewards and annual perks. Repairing a credit score also unlocks better opportunities.

    Cheaper Mortgage Rates and Easier Approval

    People with bad credit scores can find it more challenging to get a mortgage. Even if they get a mortgage, they could pay significantly higher rates than those with a good credit score. A good credit score can reduce mortgage costs by thousands of dollars.

    Easier Approval When Renting a Home

    For those who are renting, many proprietors and property management companies often require a credit report. People with bad credit could struggle to rent a property at a safe and affordable price. All other factors constant, landlords and property management firms will choose the applicant with the better credit score.

    Superior Negotiating Power

    With a bad credit score, one can have no negotiating power. In that case, there’s no option but to take the rates offered by the lenders. With few other options, one is pushed to make a costly final decision. Improving a credit score could help boost negotiating power.

    Better Cell Phone Rates

    Smartphone manufacturers give better rates to reputable lenders. People with good credit scores can get a smartphone on contract without a security deposit. Such users can end up with a better phone than they would typically get. On the other hand, people with bad credit are forced to buy prepaid cell phones or use pay-as-you-go plans that deliver substandard rates.

    No Security Deposit on utility

    People with bad credit scores are required to pay a security deposit on all utilities. This is because utility companies suspect them to struggle with payments. The security deposit, which ranges between $100 and $300, can cover any late payments. However, an improved credit score can remove the need for security deposits, giving users peace of mind.

    Cheaper Homeowners Insurance Premiums

    One can pay thousands of dollars in homeowners’ insurance costs every year. A homeowner with bad credit is likely to pay more, even twice as much on the same. Homeowners with bad credit are often considered riskier to insure, as insurers believe they risk missing payments or committing insurance fraud.

    Improved Confidence and Peace of Mind

    Having a better credit score gives one peace of mind. It also proves the person is a responsible adult in charge of their financial future. This means one can have bragging rights and more confidence, even if they don’t tell anyone about it.

    How do credit repair companies work?

    To start the credit repair process, many credit repair agencies work by requesting a credit report from all major credit bureaus, Transunion, Equifax, and Experian. All experienced and reputable credit repair services evaluate the credit report by removing unwanted and negative items from credit reports that may be hurting your credit score.

    A list of negative items present in credit reports:

    • Transaction of late payments
    • Debt collections
    • Charge offs
    • Hard enquiries
    • Bankruptcies
    • Foreclosures

    After examining the negative items of the reports, the credit repair agency work in conjunction with your creditors and credit bureau on behalf of the customer.

    There could be a variety of credit restoration services that credit repair companies incorporate to improve the credit reports. A few of them are:

    • Sending goodwill letters to creditors
    • Dispute letters for solving inaccurate information present on credit reports
    • To stop harassment from debt collectors, credit repair agencies provide cease and desist letters.
    • A good credit repair agency will build a positive credit history and provide valuable tips to improve credit scores.

    Are Credit Repair Companies Worth It?

    Yes, if you are suffering from a bad credit score, taking help from a credit repair company is worth it. A credit repair agency is worth it when a bad credit score prevents you from loan approval and many more reasons. Hiring credit repair companies will help you to qualify for loan approval or save you from paying a high-interest rate.

    Although it is never a bad idea to improve your credit score yourself, never forget it is a time consuming and stressful task. If you don’t want to take the burden of correcting the credit report, it is always better to take the help of a credit repair company.

    Credit repair companies will handle the whole process of credit monitoring, and to improve your credit score, the A to Z process is taken care of by credit repair companies.

    Good credit repair companies gather all your credit reports, identify all unnecessary items in the report and work with creditors on your behalf. Most credit repair companies charge around $70 to $129 per monthly fee; this price is worth it and will save you a lot of time and effort.

    How Much Do credit repair companies charge?

    By looking at the above list of best credit repair companies, you must have got an idea that the monthly fee of hiring a credit repair company would be around $70 to $129. Some companies may also charge a set-up fee before paying a monthly fee. A company usually takes a year or few months to improve its score. So be ready to spend thousands of dollars on preventing your bad credit score from affecting your various credit terms for the future.

    Some companies also offer free services, like a free consultation, credit reports, credit score analysis, and credit monitoring. All you need to do is download the application and use the free version; if you want exclusive features, then you may have to spend a few hundred dollars.

    Do Legitimate Credit Repair Services Guarantee Results?

    You cannot expect guaranteed results even from the best credit repair companies. If you find any company that claims to improve your credit score by a large number in a short period, then consider it as a red flag.

    Remember, no one can improve your credit score overnight; it requires patience and time. If you have minimum negative items and basic things to correct in a credit report, it may also take six months to improve and a company may give you an estimate of 100 points boost in the first six months.

    Can Credit Repair Agency Help with Identity Theft?

    You will find many credit repair companies that offer identity theft protection services. Companies like Sky Blue credit help with identity theft protection. The company will do credit monitoring with three major credit bureaus and guide them to block fraudulent information from the credit report. The major credit bureaus will remove the unwanted information from the credit reports within a few days.

    Identity thieves can add negative items to your credit score and can negatively affect your credit score.

    How Do Credit Repair Companies Remove Unwanted items from credit report?

    Every credit repair company offers various service packages that provide unique methods to repair your credit score. Here we have listed proven methods of credit improvement that can fix your credit.

    Providing Goodwill Letters To Your Creditors

    Many credit repair companies in the industry will provide goodwill letters to the creditors to remove negative items from your credit reports. Goodwill letters are sent to creditors, attempting to remove negative things that have been reported to the credit reporting agencies. Usually, goodwill letters that a credit repair company will send to the creditor may not work. Still, it is considered the best effort to deal with creditors to remove unwanted items from credit reports.

    Cease and Desist Letters To Debt Collectors

    A credit repair company will send a cease and desist letter to the debt collecting agents; it will ask them to stop contacting you for debt collection. As per the Fair debt collection Practices Act, if a person or a credit repair company on your behalf ask the debt collection company to stop contacting you, they have to abide. Many companies provide this service, but not all of them.

    Debt Validation Letters

    Debt validation letters are sent to creditors of debt collecting agencies, it is proof that the debt of the person is valid and comes under the statute of limitation. If a creditor can prove that the debt is valid, it is considered a negative item and will be removed from the credit report to improve the credit score.

    Fix Inaccurate Information

    After you hire a reputable credit repair company; the company will assign a personal advisor who will work from A to Z to improve your credit score. They will work with you and have a thorough understanding of your credit reports, look for inaccurate information, and dispute the negative items. This is more useful in the case of identity theft.

    Removal of Negative Items

    Before you sign up with a credit repair company, you must know that you are eligible to dispute any negative items available on your credit reports that you don’t agree with. You have the right to dispute any questionable items on your credit reports that you disagree with. According to the law, three major credit bureaus will take up to 30 days to get back to you after they get a dispute letter.

    Before you hire a company, you must know how many disputes you can fill yourself in every billing cycle. Before you sign up with a reputable credit repair company, make sure you pay attention to how many disputes you are allowed to file per billing cycle.


    Which is the best credit repair company?

    According to our research and editorial team, Credit Saint and Sky Blue credit are some of the best credit repair companies that offer various reputable services, like offering unlimited disputes to three major credit bureaus, credit score analysis, score tracker, and interventions.

    What is a Fair Credit reporting act?

    Fair Credit Reporting Act is a federal law that states the credit bureau files accurate, fair, and private reports. All credit repair companies abide by the law while they obtain, use and share the data.

    Is it worth spending money on someone to fix the credit?

    Yes, it is certainly worth it to spend money on someone to fix your credit score. However, you can improve your score yourself, but for that, you need expertise and enough time. To take the burden off your shoulders, it is always better to hire credit score repair companies to save hundreds of dollars as interest and, undoubtedly, save your time.

    Expertise plays an important role in fixing the credit, so the right credit repair company is the right option to choose to improve your credit report.

    What is the DIY process to fix your credit score?

    While you plan to fix the credit score yourself, remember it takes a lot of patience and time. This DIY credit repair process involves writing dispute letters yourself and sending them to creditors and credit reporting agencies.

    What is a Credit Bureau?

    A credit bureau is a reliable company that is liable to keep a record of your credit reports, credit history and track credit scores. Credit bureaus are responsible for sending details to the creditors and lenders to make important and right lending decisions.

    How to maintain a good credit score?

    Maintaining a good credit score is not tough, all you need to do is make payments on time, limit the credit amount and pay off the debt on time.

    The Top 14 Credit Repair Companies in 2022 Conclusion

    Millions of Americans struggle with their credit score, many of them with errors on their credit reports. As noted earlier in this guide, a bad credit score can affect some of the essential parts of a person’s life. It can lower the chances of getting a job, mortgage, or getting a car loan, among others.

    With an increased credit score, one can build a good financial record and improve their financial future. Reputable credit repair companies use certified strategies to target and repair credit scores in various ways. This guide provides the credit repair companies that one can consider in 2022.

    This list will be updated continually as new revelations come upon improving a credit score quickly. Users should be keen to apply due diligence beyond this post. However, it’s worthwhile to try one or two of the companies mentioned on this list. Everyone can improve their credit score regardless of their position today. To get started, consult one of the best credit repair companies listed here.

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