See reviews and testimonials of these Credit Repair Companies on the bottom of this page
All reviews/results are factual and unbiased
We've spent two years testing Credit Repair companies to find the ones that really work!
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See page bottom for more actual reviews and testimonials of all these credit repair services
Times are tough but credit repair doesn't have to be
Legit credit repair companies use the laws and fight in your favor to remove negative items legally, whether they are on your credit report because you caused the derogatory or not.
Least Expensive Credit Repair Company
The Best Credit repair company if you are on a budget is still DSI Solutions with a mere $19 set-up fee. DSI is quickly becoming a reputable Credit repair Giant!
There is only one place to get your real Fico Scores
We have spent two years researching Credit repair companies. Either we have tried the services ourselves or we have had close colleagues report their results. All results and credit repair reviews on this page are verifiable.
Give us your personal feedback
If you have had personal experiences with any of these credit repair companies and would like to voice your opinion, please E-mail us. If you disagree with any of our recommendations, or feel that our reviews are inaccurate in any way, please contact us and we will research your complaints and post our findings and results on this page.
Biggest credit repair myth
It is impossible to remove negative items that are on my credit report because I truly did default on the item and it really was my fault. False
Although it may seem corrupt, it is completely legal to have anything that is unverifiable
removed from your credit report. Whether you defaulted on a derogatory item or not, every item on your credit report must be verified. Legit Credit repair companies follow the due process of law and simply protect your rights and exercise the rights that the laws govern you. This process may seem unethical but the laws are there for your protection. If the credit bureau or credit issuer cannot verify a debt, it is your right to have the negative item removed.
CREDIT REPAIR IS POSSIBLE NO MATTER WHAT SITUATION YOU MAY BE IN
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CHEAPEST CREDIT REPAIR SERVICES WITH THE BEST RESULTS
DSI Solutions By far the best that we can find that WILL produce results is DSI Solutions with a modest $19 set-up fee and then 3 monthly payments of $89. This comes to $286 for a total of 6 months of credit repair. Grand total is about $48 a month. You can continue services or quit at ant time. Even if they only get you 3 deletions in 6 months, it's still worth $286. You cannot put a price on a negative item that is hurting your Fico score,
Sky Blue 10 great reasons to try Sky Blue...1. They are one of the least expensive credit repair business out there (Only $49 set up then $49 per month... 2. You get a free gift when you sign up that will help you immensely...3. You can get a full 100% refund if you are not happy...4. They know all about the federal and state laws that regulate credit repair...5. They are a very honest and legit credit repair company...6. They believe in 100% customer satisfaction...7. They'll do anything legally possible to force compliance and get negatives removed... 8. They hand write all dispute letters...9. They dispute directly with creditors banks and CRA'S individually...10. They answer all correspondence with clients.
Attractive
Credit Attractive Credit is our choice for the #3 overall best credit restoration company that will get you great results. We used Attractive Credit for 3 months and they got 12 quick deletions in those 3 months. You will get great personalized service and you get an iron-clad guarantee. You can also quit the program at any time as you go along. Attractive Credit is a real reputable credit repair service that will work hard for you each and every round of disputes. You will not be dissapointed with choosing Attractive Credit as your credit repair company.
BEST CREDIT REPAIR COMPANIES
TOP 10 CREDIT REPORT REPAIR SERVICES
Reviews of the best Credit Repair Services: Can credit repair companies get deletions from the three major credit Bureaus? You bet they can! If you have Credit debt and need Credit report repair, simply read our reviews of the best Credit repair services. Find the best credit repair companies that are sure to get results!
#1
Best Overall Credit repair company - Sky Blue
Sky Blue Review
Sky Blue Credit Repair#1 Best credit repair service! Very Reliable Established Credit Repair company
Sky Blue is a very reputable branded credit repair company. After two years of researching credit repair companies, we feel Sky Blue is the best overall credit repair business in the industry. They are a very reputable credit restoration service that many of the baby boomers have role-modeled and emulated. They have a clean record with the Better business bureau and they offer terrific customer support. A close colleague of ours has used Sky Blue with great results. After 7 months his Fico went from 601 to 733 with 17 deletions of negative items (4 of which were charge-offs). Our colleague said that the Sky Blue representatives were very courteous and extremely professional! Sky Blue definitely combines exceptional personal customer service with a total mastery of the laws that govern the credit reporting industry to show you results! Sky Blue also has 20 years experience in credit repair. Check out Sky Blue Credit Repair! This really is an awesome program. Everything is included for a single low monthly fee and they get fantastic results. They have just recently lowered their set-up fee to just $49. This is by far, one of the best credit repair companies.
Pro's: A+ rating with the better business bureau. Shows results. 20 years experience. Not an automated dispute service. Cancel anytime. Best customer service that we have seen yet. Name branded recognition. Gets tough items deleted like tax liens! Very simple sign-up. 100% Money back guarantee that they will stand fully behind. Offers credit repair in all 50 States. Cons: No cons that we know of. Pricing: $49 Setup fee. $49 per month
Check out this Guarantee If you try their service, and after your program is complete there isn't a definite improvement in your credit report or score, then they will give you $50 for wasting your time—on top of your money back!
DSI SolutionsGreat Credit repair service!
For the price, - nothing comes close to DSI Solutions for reliable credit repair. We can attest that the DSI Solutions unique six-month credit repair program is the fastest, best and most affordable credit repair service available online. One of our colleagues tried the 6 month program with amazing results. DSI realized 18 deletions in total, including a Bankruptcy! This is one of only two credit repair services where we have personal experience with a bankruptcy deletion. His Fico score went from a dismal 528 to a 704 on Equifax within 6 months. They also deal directly with creditors to get deletions! When it comes to the price, DSI is by far one of the cheapest credit repair services. For the low prices that they charge, they are easily the best choice for credit repair. They only charge a $19 Set-up fee and then 3 easy payments of $89. (If you pay for the entire package up front, they'll waive the set-up fee!) This pricing is for 6 months of full service credit repair. Discover how DSI Solutions’ can easily repair your credit...guaranteed! If you have bad credit and you’re looking for a second chance, DSI Solutions can legally repair your credit, and raise your credit score.
Pro's: Lowest price in the credit repair service industry. They show excellent results. They get results with Experian! They can get bankruptcies removed. Great guarantee where they will give you your money back... plus $50 if there is not a definite improvement to your credit reports! Only a $19 set-up fee. Offers credit repair in all 50 States. Cons: Short term allows for only 4 rounds of disputes, but then again that may be all you need, because they dispute all items quickly. If happy and need be, you can still continue! Pricing: $19 Setup fee and then 3 easy payments of $89
What they accomplished for us We used Attractive Credit for 3 months and they got 12 deletions in those 3 months. They also helped us by dealing directly with a stubborn collection agency and got them to stop going after us for payment and got them deleted from all 3 bureaus! This extra service is unheard of in the credit repair industry!
Attractive Credit is certified with the Fair Credit Reporting Act
Attractive CreditA top credit repair performer!
If you are serious about getting your credit rating restored quickly and want a little more personalized attention and coaching, then Attractive Credit should be your first choice. Attractive Credit takes the extra time to advises, consult and educate each client along the way to a better credit score. Attractive Credit applies legal methods, techniques and strategies to increase credit scores quickly through their program. Bottom line, they will do everything in their power to lead their clients in the right direction.
What really sets Attractive Credit apart is that they take a little different approach to credit repair. They do not just simply "dispute all negative items", which is an approach that most credit repair companies focus on. Instead, they focus on working closely with you while fixing and improving your credit scores, and they go above and beyond by helping you with disputing to collection agencies and disputing to original creditors. They will do whatever it takes to get the job done for each and every client. They take pride in providing you the tools that you need to control your credit and finances from the moment you join until even after you are a client. Attractive Credit believes in long term, permanent solutions to your credit issues.
Your program will include unlimited credit report disputes, corrections, and removals with Equifax, Experian, and TransUnion, They are also specialists in creating customized collection interventions that focus on Fair Debt Collections Act guidelines (FDCAPA). Credit interventions that assist in eliminating bad credit are excellent for late payments, charge-offs, and collections.
Pro's: They realized 12 deletions in 3 short months for us! Clients have piece of mind with their no-risk refund policy. Cancel at any time! Exceptional one on one customer service. They do the little extras that other companies simply do not address. Very professional credit repair company. Goes above and beyond for each and every single client. Offers credit repair in all 50 States. Cons: No cons that we have seen or heard of yet! Pricing: $99.97 Setup fee and then $79.97 per month
Lexington Law is one of the oldest and most reputable credit repair companies that basically started it all,... and to this day, it remains one of the best overall and most reliable credit repair services in the entire industry
LexingtonReliable Credit repair service! Lexington Law was the very first credit repair company that we tried. We used Lexington Law for 9 months with great results. In the 9 month period using Lexington Law, we saw 19 negative items deleted from our credit reports! (4 of them were inquiries). Lexington Law is one of the oldest and largest credit report repair services around, and it is still one the best. There is a bit more work on your part to go into the Client Login area and update what you want to dispute, but it doesn't take that long and it puts you in full control and is well worth it. They did a lot for us within 9 months by getting 19 deletions and their customer service was exceptional. If you have credit debt and need a company that knows what they are doing with bad credit repair, then Lexington Law is one of the best credit repair services on this list that you could choose. Go for the $59.95 or the $79.95 per month plan if you can afford it. Get Started now! Lexington Law Sign-Up Page
Pro's: They always get results. Very experienced. Time tested techniques that work. They answer the phone. A very branded and trusted name for credit restoration. We have not heard of one single client that we know, who hasn't seen at least 1 deletion! A founder in the credit repair industry that is still the best out there and is certainly the most reliable. Realized 19 deletions of negative items in 9 months for us! Offers credit repair in all 50 States. Cons: A little more work on your part to update your control panel (client login area) but it is worth it because you get to control what is being disputed. Pricing: $99 Setup fee. 3 different plans $39.95 - $59.95 - $79.95 per month
Ovation Law Up and Coming Credit Repair service! We used Ovation Law for 6 months with very good results. We saw 9 deletions disappear within the 6 months with Ovation Law. Ovation Law seems to have role modeled Lexington with their business ethic and techniques. They have been growing of late and are becoming a top player for reputable credit repair. They have recently re-vamped their website to portray a much more professional look and feel. Ovation Law is an up and coming firm that offers above average customer service. Ovation law is a very a reputable branded credit repair company that gets results! We've seen the results ourselves! They are one of the most improved professional credit repair businesses in the industry as of late and can get great results. (They are also a little cheaper than Lexington)
Pro's: They answer the phone. Good communication. They show results. Getting bigger and better all the time. Very similar service as Lexington but a little cheaper. Offers credit repair in all 50 States. Cons: Not really a con but they only dispute 4 or 5 derogatories at a time per bureau like many other credit repair companies. They do this so the bureau's won't think the disputes are frivolous. Pricing: $87 Setup fee. 2 different plans $37 or $57 per month
See the Ovation Law Website
#6
Most complete Credit Repair - My Credit Group
My Credit Group review
My Credit Group realized 9 deletions in 5 months for us.
Guarantee! Your Results Are Guaranteed in Writing. When the plan you and your coach create is followed, you'll get results or your monthly service fees are refunded. It's that simple
My Credit Group
Full service Credit repair! We've found quite a few credit repair companies that really work and that are really legit (including all in this top ten credit repair list) but we have now seen what we feel is the most Complete Credit Repair Service in the industry- Period! (Just moved up to #6 from #7 on this best credit repair companies list) Their services go above and beyond simple credit repair and their services are extremely personalized, affordable and Risk Free! With their program, you’re immediately assigned a team of personal credit and debt coaches who will be your mentors throughout the entire process. They will help you to negotiate to lower debt balances, help you with opening new positive credit lines, help you with a professional budget planning assistance and help you prep your credit to be “Home Loan Ready”. They are licensed, bonded and registered with the Attorney General. They remain in strict compliance with all applicable State and Federal laws and they only use legal methods to repair your credit. In addition, they will never ask you to lie about your credit history or personal information. If it’s not in your best interest, they won’t recommend it. My Credit Group Inc. credit repair has been utilized by some of the largest institutions in the world including being utilized by the Department of Defense! We have tried My Credit Group for 5 months and they realized 9 deletions for us. Pro's: One-on-One coaching. Risk Free Refund Policy. Your Results are Guaranteed in Writing. Cancel anytime. 24/7 Support Desk. Help above and beyond simple credit repair, Shows results. Reasonably priced. Offers credit repair in all 50 States. Cons: No real cons that we can see yet. Pricing: $99 setup and then $69 monthly.
Best overall Guarantees from a credit repair service! You really have nothing to lose but bad credit!
Credit Repair Consultants, Inc. PAY ONLY FOR RESULTS GUARANTEED We have not used Credit Repair consultants but one of our constituents has, and with very good results. They realized 5 deletions in just two rounds of disputing! We have also heard from more than just one reliable source in the industry that this is the company to choose if bankruptcies are a concern. Their website clearly states that they have routinely removed bankruptcies from their clients' credit reports, as well as a vast array of items included in bankruptcy. Besides the great reviews that we have heard from our reliable sources, we can't help but give notice to their incredible guarantees. Check them out: 120 day guarantee: You do not pay unless negative/bad credit items have been removed from your credit reports! Simply put, if negative item(s) are not removed from your credit report in the first 120-days or less, you are entitled to a full refund of your application enrollment fee, minus the $45.00 cost of ordering your reports. 1 year guarantee: They also offer a full or partial refund of your monthly fees if after 12 months of being a client you are dissatisfied for any reason with your results. Well worth a try in our opinion!
Pro's: Great Guarantee. (best overall guarantee in the credit repair business). Quit at any time.Showed good results in a short amount of time to one of our close partners. Known to get bankruptcy deletions. Offers credit repair in all 50 States. Cons: A little bit on the expensive side for the startup fee. We simply have not tried them ourselves to offer full a verification and/or complete endorsement of this company. Pricing: $189 Startup fee. Then either $35, $45 or $65 per month
Veracity Credit Consultants Credit Repair
Expedited Credit repair! This may actually be one of the best underdog choices for a credit repair in this top 10 list! They are very experienced when it comes to credit debt and bad credit repair. Combine Veracity's relatively low monthly rates (we paid $49 per month) with their specifically tailored credit repair and consultative strategies and you get a winning combination. Their system is designed to quicklyand effectively raise your credit score within a relatively short amount of time. They are known for their expedited results (getting deletions fast). So if you need quick results with credit repair, Veracity is a great choice. It worked for us! We tried for Veracity for 4 months and saw 7 deletions (although 3 of them were inquiries). In all fairness to Veracity though, we used them after using 3 other credit repair companies for a length of time, so they surely had a tougher time getting deletions after the Bureau's had previously verified the items. We think that a client using them as their first credit repair company choice, will yield considerably better results than we did. We must also note that we tried the SELECT plan (the less expensive plan), and we feel that you may get better results going for their PLATINUM plan. One of the best Credit Repair companies online today.
Pro's: Shows expedited results. Reasonably priced. A branded name in the industry. Will improve your fico score quickly. (Raised ours 44 points on TransUnion). If you need quick results, this is your choice. Cancel at any time. Offers credit repair in all 50 States. Cons: Did not get any deletions for us from Experian and only one deletion from Equifax. (In all fairness though, we only used them for 4 months and used them after using two other credit repair companies) Pricing: 2 plans - The SELECT plan is $69 setup and $49 monthly or the PLATINUM plan is $99 setup $79 monthly.
Full refund Policy. If they don't deliver. You don't Pay!
Your Credit Attorney - Centurion Law Firm$29! Your Credit Attorney could easily be higher on this top 10 list as the best Credit repair service because they continue to show great results for the prices they charge! If you are on a budget, then this is easily your choice as it is the least expensive credit repair agency on this list. With CENTURION LAW FIRM, you really can get back on the right track! You can begin cleaning your credit report and raising your credit score quickly and easily. For only $29 per month, Centurion Law Firm, www.YourCreditAttorney.com, will begin tirelessly working your case and help you achieve your financial goals. No long term commitment, full refund policy and you can cancel at any time. The best part is...is that they have real lawyers working for you and the get real results! The second best part is that after your initial Set-up fee, you pay only $29 per month. This is the least expensive that we have seen for a Credit Repair Company that has real lawyers and shows impressive results. A very close constituent used Centurion Law Firm for 8 months and she saw 8 items removed from TransUnion, 4 Items removed from Experian and 6 items removed from Equifax! That's 18 negatives in Total! (See one of the Equifax deletions that she sent us).
Pros: Cheapest Credit repair service that really gets results. Real lawyers working for you! Full refund Policy. They get great results. They NEVER charge you more than $29 per month. You can quit at anytime. Very Professional team of Lawyers. Offers credit repair in all 50 States. Cons: Is being very inexpensive a con? Not if they can show you results...And they do! No cons one that we can see yet! Pricing: $89 Setup fee. Then ONLY $29 per month!
Why are there only 9 companies listed on this top 10 list? Well because after reviewing and trying over 25 companies, we could only find 9 that are reputable and really work.
BEST CREDIT REPAIR COMPANIES 2010 -THANK YOU FOR VISITING OUR TOP TEN LIST OF REPUTABLE CREDIT REPAIR SERVICES FOR BAD CREDIT REPORT REPAIR
SEE TOP 10 CREDIT REPAIR COMPANY REVIEWS BELOW
BEST CREDIT REPAIR COMPANY REVIEWS
MOST ESTABLISHED CREDIT REPAIR SERVICE - CREDIT DEBT REPAIR PROFESSIONALS
Actual Sky Blue Credit Repair reviews and testimonials
"An absolutely fantastic experience from the start, brilliant and friendly. I recommend Sky Blue Credit Repair to anyone with credit issues." - Robert B
I’ve been so impressed with everything - from the customer service to the awesome results. Sky Blue is the gold standard for credit repair. " - Russell H.
"You provided a completely satisfying experience from day one. And now, six months later, I can tell you that your credit repair service was a life saver." - James R.
BEST CREDIT REPORT REPAIR COMPANY - CHEAPEST CREDIT REPAIR
"My credit was such an embarrassing mess, that I pretty much just gave up on the idea of ever having good credit. I searched high and low for a service like yours and you guys just seemed to make it easy. I still can't even believe where I am now after your service. I never thought I'd have a chance like this again, and I couldn't be more thankful." - Becky Wilshire, CA
"...it was exactly like you said, I was taking three steps back for every one I took forward. But worse yet, I was totally accepting it. What a wake up call. Now life is good, and so is my credit. I hope this testimonial helps you get the word out. Your website was a lifesaver. Thanks again!" - Ken & Cathy Bowser, Lockport, IL
"I still can't believe that every time I either pull my credit report or have the next round sent to me free from the three bureaus, (after you guys do your disputing), I see another deletion of some sort come off my reports. I have heard that making negative items disappear off you credit report was impossible until you guys (DSI Solutions) keep proving it to me month after month. You just recently removed a charge-off account that was haunting my score for a long time. Thank you so much!" - Thomas Canterbury, NY, NY
"Does exactly what they say they will do. Deserves to be #1 on this list. An extremely reliable company that stands behind its guarantee. Expedited Credit repair at an extremely reasonable price. #1 service in the credit repair industry" - FunNewJersey.com
CREDIT REPAIR THAT IS ABOVE AND BEYOND - TREATS EVERY CLIENT WITH EXCEPTIONAL SERVICE
"My credit scores went from the low 500's to the mid 600's in 2 months. Nice!" -Carmen D., California
"Thanks for the updates and helping me with my credit. I got approved for a mortgage loan" -Mr. C. Reyez., Texas
"I can't say enough for how responsive they have been to my emails. Their web site is very user friendly and I work directly with the person repairing my credit, No middle man like other credit repair agencies... Been with them for about a month now and I'm quite pleased so far.. Thank you" -Terry W., Alabama
MOST RELIABLE CREDIT REPORT REPAIR SERVICE - OLDEST AND MOST EXPERIENCED CREDIT REPAIR SERVICE
“My experience with the Lexington Law Firm has been wonderful from beginning to end and the results you achieved are remarkable. It is also noteworthy, that the fee I paid for such superior professional service must be one of the truly great bargains of all time. My warmest best wishes to you all.” - R.S., Lexington client
“I have to admit I was a little skeptical at first, but after seeing what you were able to do with my credit after only a few months, it is very reassuring. Thank you for everything that you are doing for me and please pass on to your staff my appreciation for all of the hard work.” - T.B., Lexington client
“Lexington Law showed us results from the very first dispute. They got 19 negative items deleted in the 9 months time period that we spent with them. We've done it first hand with them and fully endorse Lexington Law as a reliable Credit repair service that really works.” See 3 actual deletions that they got from TransUnion on one dispute. - FunNewJersey.com
"Does exactly what Lexington Law does but with a little more personalized service and is a little cheaper than Lexington also." - FunNewJersey.com
"We average 19 improvements per client! So what is an improvement? An improvement consists of deletions, falloffs, or a more positive status for an account. Our programs are designed to focus on core reporting issues. Our team works to make sure that your credit report reflects accurate, complete and correct information. This goes well beyond simply seeking a deletion; if an item is yours, are all components of the item reported correctly and accurately? Our approach has generated tremendous results. Our clients find, on average, 19 improvements to their combined credit reports. These improvements generally lead to higher scores and better borrowing opportunities. - Ovation law Website
"Dear FunNewJersey.com. I just wanted to touch base with you about your credit reviews on your website. Although I have only tried one on your list (Ovation) and not through your recommendation because this was prior to finding your page..., I wanted to give you feedback that I had 12 deletions in a 5 month period with Ovation. This company gets the job done! I can't say enough about Ovation Law and their team. Thank you for your reviews. Being that you have Ovation as your #4 choice, do you think I should try DSI just to get a different company with different techniques to try and tack a whack at it? Or which on your list do think i should try next. Please email me with another recommendation!" - Emailed to FunNewJersey.com
"Thank you guys, You have helped me get through a very difficult time in my life. The coaching that you provided helped me keep my head up and after six months my credit score went up like magic. Your team is very sharp and I can't thank all of you enough for what you have done for me. Thank you!" - Time W., Kent Michigan
BEST CREDIT REPAIR SERVICE WITH THE BEST OVERALL GUARANTEE
"It is with great pleasure that I write this letter and thank you for erasing my bad credit and returning it to me clean. Thanks to the amazing work that you guys have done in removing the bankruptcy and the charge-off I have been able to archieve my dream of buying a home..." - R. Alfonso, Miami.
"First I'd like to personally thank you for the great work you have done cleaning my credit reports, I thought I would never have good credit again. Second I'd like to comment you and your staff for having a very friendly and very knowledgeable customer service team..." -M. Mellon, Chicago.
BEST UP AND COMING CREDIT REPAIR BUSINESS SHOWING QUICK RESULTS
"Thank you very much for the superb service provided. Veracity has done everything that it promised and more! I am aware that I may resume my lifetime membership in the future and look forward to working with you again soon.
Thanks again and kind regards."
- Kevin (Taken from the Veracity Website)
"I have seen a great increase in my credit score and believe I am now on the right track. Thank you so much as I have just bought my first home! I will be contacting you to begin consulting with my fiancé as he needs some help with his credit as well. Thanks again,"
- Torria (Taken from the Veracity Website)
BEST CHEAPEST MONTHLY RATE CREDIT REPORT REPAIR SERVICE
Actual Centurion Law Firm reviews and testimonials
"Amazing!! By using your services MY SCORE INCREASED 61 POINTS IN ONLY 30 DAYS. Thank you, without Centurion I would never have been able to do this.” -JF, New Jersey
“Thank God for the Internet, I would have never known about your services without searching the net. I feel like a new person after having removed so many problems from my credit history. I am now seeking a loan on the net and feel confident my credit report will support my request. Thanks for everything.” -JL, Iowa
“We had just gotten married and wanted to buy our first house, but we had no clue our credit was in such shambles. The people at Centurion helped us and we are moving into our dream home next month. Thanks Centurion.” -GP, North Carolina
“Outstanding!!! I can not believe the results I have seen in such a short amount of time. I feel like I have been given a fresh start. Thank you sssssoooooooooo much.” -SP, Colorado
TOP CREDIT MONITORING COMPANIES
CREDIT MONITORING SERVICES
MyFico.com Still the only place to get your real Fico Score. A bit expensive but they have you by the you-know-what's... if you are looking for the one and only original Fico Score.
TrueCredit.com They provide Fako's (scores that are not real fico's) but they offer a great monthly service that notifies you with any changes or updates to your credit reports. We use it in conjunction with Myfico. It is well worth the $14.95 per month fee.
Up and Coming Credit Repair service! 
