Best Credit Repair Companies of 2020


Which credit repair company is the best?

If you’re looking to repair your credit score then you’ve come to the right place. Everyone would like to have a good credit score, but life doesn’t always pan out the way we like it to. In current turbulent economic times, it would not come across as a surprise for many families to knuckle down with a bad credit score, which is one problem that everyone can do without at the moment. A poor or bad credit rating will not reflect well on your financial well-being, resulting in rejections of loan applications and higher interest rates, among others. This is where we come in, bridging the gap between those who would like to fix their credit ratings as well as the appropriate credit repair companies who will get the job done well.

That is why more and more people turn to credit repair services looking for a solution and an improvement in their FICO scores. Credit restoration agencies can help fix credit rates by removing negative items from a client’s report. That includes late payments, repossessions, foreclosures, and more. Finding a reliable and effective credit repair organization can seem like a difficult task. It is hard to pick one firm with so many of them available on the market.

That is why we did the research and the reviews of the top credit repair companies. Our goal was to find out which company had the best customer service and the highest satisfaction rate. We used a number of different factors to analyze each company in areas such as the average number of negative items removed, client satisfaction rate, price, and speed of result to provide our credit repair services reviews.

These are the top five companies of 2020 and a short overview of each.

Quick overview:

Sky Blue Credit Repair
Lexington Law Firm

5 Top Credit Repair Companies

Sky Blue Credit Repair (Our #1 Pick)


Better Business Bureau rating of A+
Disputes up to 15 items on credit reports every month
Has the fastest service
Sky Blue Credit Repair
Sky Blue Credit deals with errors in credit reports and improves credit scores. The clients reviews are very positive and they have an A+ BBB rating. The service offers extra education for clients as well as discounts for couples. They claim to dispute 15 items every 30 or so days. That makes them the fastest service available. Consultations are free of charge.

Lexington Law Firm


Case evaluation and consultations are free
The company has more than 24 years of experience
Over 7 million negative items successfully removed in 2014 alone
Lexington Law Firm
Lexington Law is among the most experienced and respected credit repair businesses. They have more than 20 years of experience with dealing with bad credit reports and they have made half a million customers happy. To put it in simple terms, Lexington Law is the best company in the industry. Their customer support, as well as other areas, are exceptional. Case evaluation and consultations are free.


More than 20 years in the business
Clients get 24/7 credit monitoring
Functional and user-friendly website with an online dashboard and credit score tracker was originally founded in 1997 and has since become one of the best credit repair services available. They have removed more than 1.5 million negative items from credit reports so far. Apart from the standard services, they provide non-stop credit monitoring and a personalized dashboard on their website. It contains a score tracker too. The prices of their services are a little high, but the service is worth checking out.

The Credit People


Your satisfaction is guaranteed or your money back
Free credit reports, scores and unlimited disputes
Great success rate in removing negative items
The Credit People is relatively younger compared to other credit repair companies, but it has managed to assist over 100,000 people since its debut in 2001. Like other credit repair companies, they hire professional, highly-trained specialists, who inspect credit reports from all three credit bureaus and sniff out any errors. From there, they will file disputes for you, so that you’ll have the negative item erased from the report.

Pyramid Credit Repair


No commitments
Live dedicated account manager
100% Money Back Guarantee
The Credit People is relatively younger compared to other credit repair companies, but it has managed to assist over 100,000 people since its debut in 2001. Like other credit repair companies, they hire professional, highly-trained specialists, who inspect credit reports from all three credit bureaus and sniff out any errors. From there, they will file disputes for you, so that you’ll have the negative item erased from the report.

Does credit repair really make a difference?

Many people think that credit repair is a fraud (see Credit Repair Scams) before they start to understand how these services work. We did very detailed reviews on the most popular companies and our conclusion is that these services do work. Or course, not all companies are on the same level. They even use different approaches to the problem.

For example, Lexington Law says that they remove 10 negative items from their client’s credit reports each month, while others remove more or less. Some companies offer a money-back guarantee if clients are not happy with the results, while others don’t. Most of the companies do not charge for case evaluation, meaning that they will first look at your case and advise you before you pay.

There are lots of options on the market because the companies have to compete. You should choose the one that fits your financial capabilities and the results you want to get in the end.

Is credit repair a good decision?

While there are obviously far more important decisions to make in life such as who to marry, where to stay, and which vocation one ought to take up, repairing one’s credit is also a smart and important financial move. With hindsight it might even be one of the financial decisions which one can ever make in life. We ensure that our dealings are simple and transparent enough to furnish our clients with an array of choices to end up with a healthier credit score at the end of the day. It must be stressed that our business model relies on the client’s decision in repairing their credit without being biased in the choice of company or disseminated information, hence helping them.

Our proud track record shows that clients normally enjoy at least 20% or more savings through comparison shopping on our site, which is a true win-win situation for everyone involved.

How do these credit repair services repair your credit?

The million dollar question (for some) would be “How does a credit repair company work?” Note that many of our clients have already tried out different ways over time to improve their situation but have not managed to do so, turning to us eventually. Hence, financial resources are even more scarce now and they are unable to make any more financial mistakes that could deteriorate the situation further. We want to assure our clients on what they will benefit from upon hiring one of the reputable credit repair agencies available.

This is how credit repair companies work: they ensure that any kind of negative items which can be removed from a credit report will be done. Some of these items that do not tilt in one’s favor include late payments, repossessions, foreclosures, and liens, among others. We understand that we cannot work magic for all cases, since there are still regulatory guidelines and rules of the game that need to be adhered to. However, we are well versed with the different situations where a certain credit repair service is able to help one out and get our clients out of a financial rut.

Before you decide to hire one of these credit repair companies, it would be wise to know what will you get for the money you pay. Companies that are good have to be upfront and tell you exactly what can they do with your particular case. The best companies will get rid of negative items from your report and improve your overall FICO score. That will help you buy a car, a home, insurance and a mortgage much easier.

Effective credit repair

Legitimate credit repair services will work should there be any kind of legitimate errors found in a credit report. Basically, any kind of credit repair firm will work to ensure that whatever errors which can be removed from a credit report will be removed. Not everyone is well versed with financial terms and lingo, and hence, errors will creep in eventually. Such errors could be as simple as personal information mistakes or errors in reporting from lenders. Since a sizable amount might cause a dent in your credit, those who feel that their credit reports contain such errors would definitely do well to appoint a credit repair company to pinpoint of such mistakes.

From legitimate errors, we move on to unverifiable errors. If there is one particular thing that everyone needs to know about their credit report, it would be this: every single credit report needs to have details that can be verified. For instance, assuming a negative item which has been listed on a credit report from a lender who was eventually bought over or went bankrupt would normally receive a call from credit bureaus for verification purposes. Should they receive no answer, then it has no place whatsoever in a credit report. Such a loophole is often overlooked by many, and credit repair services take advantage of it in order to raise the credit rating of their client.

Should our clients lenders want to cooperate with credit repair agencies, then bringing further negotiation to the table might work in our client’s favor with regard to their final score. However, this is by no means a hard and fast rule as certain lenders are not willing to work this way. A credit repair service is not some sort of magical panacea that will see a top notch credit score at the end of the day, but the chances of ending up with a higher score are greatly increased with the right service provider.

We have an unbiased outlook

We pride ourselves in being an unbiased credit repair matchmaker. With that in mind, we maintain a high level of independence between credit repair shoppers as well as credit repair service providers. A matching analogy would be how Airbnb brings together property owners with some living space to rent out to adventure-seeking travelers. As we do not take the step to repair our client’s credit ratings on our own, this removes all forms of biases when it comes to recommending a credit repair service provider that has the ability and expertise which best suits our client’s current situation. When we deal with our clients, we do not apply any of the sales pressure tactics nor do we rely on affiliate commission through a seemingly infinite number of listings that one has to go through before clicking it. We believe that this will help build up a level of trust between us and our clients. Fast credit repair services are dime a dozen out there, and not all of them are reliable, some operating on a fly-by-night basis. Three main factors that we are constantly on a lookout for would be reputation, longevity, and of course, a money-back guarantee clause for our clients. Having said that, it would be best to stay away from anyone or an organization that is able to promise an instant turnaround in a credit score that is down in the doldrums. Finding legitimate companies is not an easy task and these are more often than not scams which masquerade as a legitimate operation in hopes of ripping off the gullible and desperate.

We have a unique business model

One of our strengths would be our special business model that is very different from what the rest of the credit repair industry practice. We will not obtain a single penny from our clients until they pick companies that they would like to engage with. We believe that such levels of transparency will further increase our reputation for honest dealings, and it pushes our main focus right to the forefront for any client: to enable the search for a credit repair service provider to be as painless and effortless as possible.

Danger signs to take note of

Just because one might be in rather dire financial straits, this does not mean throwing common sense out of the window. Just like any other sales pitch out there — if it is too good to be true, it probably is. Some possible danger signs that we recommend people to avoid include:-

  • Being insistent on paying the service fees upfront even before a single minute of work is done. The law dictates that the credit repair companies do not have the authority to force anyone to cough up money before the services promised have been completed and duly delivered to the client’s satisfaction.
  • Credit repair companies that do not inform their clients of their legal rights, as well as the means of action that clients are able to take personally without having to incur additional charges in terms of service fees. For instance, anyone is able to obtain a free copy of their credit report should credit be denied them within the past 60 days. This rule also extends to the denial of insurance or employment within a similar time period. Any mistakes or out-of-date details can be fixed in the credit report for free upon request.
  • A claim that every single negative entry in the credit file can be removed. This is impossible to achieve if the credit report in question is already accurate and updated, as the credit bureau does not entertain such an option. However, inaccurate information is always open for dispute to be corrected without the assistance or service from a third party.
  • Suggestions of starting from a clean slate with a “new” credit report through the application for an Employer Identification Number as opposed to one’s Social Security Number. This is illegal as it involves the creation of a new credit identity, and would lead to an even greater degree of trouble with the law later on.
  • No written contract is provided for the client. All contracts ought to be furnished with essential details such as the company’s contact details, a full description of services on offer, a detailed list of services provided, the amount of time before the completion of the assignment, as well as final bill.
  • “Free credit repair services”. Nothing screams fraud more than a company promoting their services for free or offering a cheap ‘credit fix’ or ‘credit help’. The best credit repair services are not usually the cheapest and are never free.

The rule of law is this: any credit repair company is unable to carry out its duties until the client signs a written contract with a three day cooling off period without being tied down or pressured to pay the fees involved.

Credit repair organizations usually work like this:



They obtain a client’s credit report from the three credit reporting agencies ( Experian, TransUninon, and Equifax)


Review the report to identify items that can be disputed


They dispute the items on the client’s behalf using strategies with a high success rate, unknown to most people


Contact the creditors and the credit bureaus on the client’s behalf to remove the items in the shortest amount of time

Are these credit repair services worth the cost?

This is an extremely common and yet valid question. Credit repair companies are like lawyers in a courtroom — you can choose to represent yourself (or in this case, an attempt to make things right on your own), but it would be better to have a qualified and experienced professional fight your case on your behalf, helping you see and uncover different viewpoints in the case that will be able to tilt the final judgment in your favor. It really boils down to the kind of company that you decide to have repair your credit score. With the lack of any kind of long-term contracts to tie our clients down, they are free to walk away from the service at their own whim and fancy if they feel that they no longer need our services.

The prices depend on the company you choose to work with and they are general between $59.95 and $99.95 on a monthly basis. The good thing is that long-term contracts are not available with services like these and that means that clients can cancel the services at any given time without a penalty. Some companies even offer a money back guarantee if the client is not happy with the results.

We know that a large amount of money tends to end up as interest charge payments for many of our clients who have a poor credit score, and this money could have been better spent to repair one’s credit rating in the long term. This will indirectly result in savings across many different areas, making us worth the price. After all, having a higher FICO score will eventually land our clients more favorable interest rates when it comes to the likes of loans, mortgages, and credit cards. Those who are already in a quandary with their poor credit scores will need to act fast in order to fix their credit, and we at are able to help you obtain the best possible results with minimal delays through our strong and reliable network of service providers that will be able to match any credit score that needs to be fixed. Once the experts of these companies have a go at one’s credit report, chances are there should be a noticeable change for the better in just a few months’ time.
Any improvement can be expected from credit repair exercises, although do not expect the sun and the stars. Our clients will also remain protected through federal laws which have been specially designed to protect them. In the event where a creditor violates any of the federal laws involved, the creditor will be given a window of opportunity to rectify that mistake, or our client would be on the receiving end of up to $1,000 as part of a compensation package. The Fair Credit Reporting Act (FCRA) is in place that will help ensure consumers’ rights remain protected from any form of illegal collection practices.

Their expertise will take care of as many negative items on your credit report as possible, and you will notice a considerable change in a matter of a couple of months. Reach out to these companies and fix your credit rates once and for all.

Frequently Asked Questions

Who is the best credit repair company?
Our hours of research and testing have concluded that Sky Blue Credit Repair is the best credit repair service and you can read more about the ranking criteria we’ve applied to arrive at this conclusion.
Do credit repair companies really help?
Yes! Whilst the credit repair industry is still rife with many scams and fly-by-night services there are many legitiate companies which can help you repair and improve our credit score. We’ve done the hard work for you so you to save you time and money. You can quickly compare reputable services and aviod the scams.
How much do credit repair companies cost?
Credit repair agencies are more affordable than you think. With genuie services starting from as little as $70 per month it really is a no-brainer to improve your credit rating. The benefits of improving your credit score outweigh the minimal costs of a credit repair service.
Can credit repair companies remove collections?
Yes, a credit repair company can remove collections from your credit report by paying to deleted bad credit data by negotiating with either the original creditor or the collection agency on your behalf.
Steven Millstein