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All reviews/results are factual and unbiased

We've spent three years testing to find the best services that that really work!

We are the #1 source on the Internet for reviews of reputable credit repair companies.

Our Top Pick!

Sky Blue Credit Repair
One of the most commonly asked questions by consumers is how long will it take to clean up my report? This question is not easy to answer because there are so many variables, but the best answer is anywhere from 3 through 8 months (and sometimes longer if they have a lot of derogatories). Sky Blue is at the top of our list because it is one of the only credit restoration firms that disputes every single negative item from the very first time they dispute to expedite the process. They can usually get the job done within 2-6 months. Sky Blue is also at the top of this list because when the items are deleted, they do not return. Great customer service, price point and a quick turnaround is what makes Sky Blue stand out from the rest.

Least Expensive

The Credit People
One of the best companies that we have reviewed that WILL produce results is The Credit  People (formally DSI Solutions). You can get started with The Credit People for a modest $19 set-up fee and then monthly payments are just $59 a month. You can continue services on a monthly basis or quit at ant time. Affordable credit restoration that really delivers results.

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 organizations 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.

We have spent five + years researching where 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 enterprises 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. This due process of law simply protects your rights and allows you to exercise the rights that the laws govern to protect 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.



BEST CREDIT REPAIR SERVICES WITH THE BEST RESULTS is our choice for the #5 overall best credit restoration company that will get you the best results legally. We used for 4 months and they got 17 quick deletions in those 4 months. You will be sure to get great personalized service with You can quit the program at any time as you go along. This is a real reputable credit repair service that will work hard for you each and every round of disputes. This is one of the best choices if you are looking for fast results that last. can get stubborn items removed and they are one of the only companies that we know of or have reviewed that has realized a bankruptcy deletion. Stubborn tax liens and collection accounts are also no match for

Sky Blue
10 great reasons to try Sky Blue...1. They are one of the least expensive credit repair business out there (Only $59 set up then $59 per month... 2. They have an awesome credit repair discount for couples... 3. They have an unconditional guarantee... 4. They know all about the federal and state laws... 5. They are a very honest and legit company... 6. They believe in 100% customer satisfaction... 7. They'll do anything legally possible to force compliance and get negatives removed... 8. They customize their dispute letters for the best results... 9. They dispute directly with creditors banks and CRA'S individually...10. They answer all correspondence with clients.


Reviews of the best Credit Repair Services: Can the companies listed below really get deletions from the three major credit bureaus? You bet they can! If you have credit card debt, late payments, charge-offs or simply need help cleaning up your reports, simply read our reviews of the best credit repair services. With our research, you will be sure to find the best credit repair companies that are sure to get results! We are your definitive guide to a higher credit score!

1. Best overall credit repair service - Sky Blue Credit - Sky Blue Review

Sky Blue Credit Repair

Sky Blue Credit Repair Our Editorial pick for best overall credit repair service! A Top trusted service!

Very Reliable Established company

Sky Blue is a top well known branded company. After three years of researching and trying different companies, we feel Sky Blue is the best overall credit cleaning business in the industry. Sky Blue is a very reputable credit restoration service that many of the baby boomer's 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 the industry.

This really is an awesome program. Everything is included for a single low monthly fee and they get fantastic results. Their set-up fee is just $79. If you would like more information, please call Sky Blue at 888-968-6257 for a quick free evaluation or to sign up and get started today, you can also visit their website for more information.

Pro's:  Their set-up fee is just $79! A+ rating with the better business bureau. Shows great results with all of their clients. 20 years experience in the industry. 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. Follows and understands all of the regulations and laws. Sky Blue Credit Repair is absolutely the most reputable established credit repair company. Offers their services in all 50 States.

Cons: No cons that we know of.

Our Results: We used Sky Blue for 7 months and they got 17 negative items removed for us.

Proof: See actual Sky Blue Creditor Deletion. See actual Tax Lien removed from Sky Blue Credit Repair

Pricing: $79 Setup fee then $79 per month

See the Sky Blue Website


2. Least Expensive Company - The Credit People - The Credit People Review

The Credit Repair People Credit repair

The Credit People Credit Repair companies that work Great affordable service!
For the price, - nothing comes close to The Credit People (Formally DSI Solutions) for reliable credit restoration. We can attest that The Credit People's unique program is the fastest, best and most affordable restoration service available online. One of our colleagues tried the program (When it was DSI) with amazing results. DSI realized 18 deletions in total, including a Bankruptcy! This is one of only two 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, The Credit People is by far one of the most affordable on this list. For the low prices that they charge, they are easily a great choice if a budget is your primary concern. The Credit People only charges a $19 Set-up fee and then pricing is and then pricing is just $59 per month with no long term commitments. Clients can quit the program at any time. The Credit People offers affordable full service programs so that all consumers now have the chance to use a professional service without breaking their wallets. Discover how The Credit People can easily repair your credit...guaranteed! If you have bad credit and you're looking for a second chance, The Credit People can legally repair your credit, and raise your credit score.

Pro's: Lowest price in the 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 their services in all 50 States.

Guarantee: 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!

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!

Our Results: One of our constituents used The Credit People for 6 months and had 8 deletions including a stubborn bankruptcy deletion!

Proof: See actual very rare The Credit People Deletions! See more deletions here . Lastly, see an actual creditor deletion from Discover.

Pricing: (This is new pricing for 2018) Try the service for the first 7 days for just $19. If you like the service, you can continue for just $69 per month. Clients pay as they go and they can quit at any time.

See The Credit People Website


3. Best overall credit restoration service - Credit Saint - Credit Saint Credit Restoration Review

Credit Saint best credit restoration services

Credit Saint Best credit repair companies Best Credit Restoration company!

One of the best things about Credit Saint is that in their Clean Slate Program, where they dispute all negative items on each and every credit report in the very first challenge (dispute) cycle. Most other services will only dispute 6 items per credit bureau. By doing this, Credit Saint increases your chances of getting a lot of deletions on the very first round of disputes, especially if you have never disputed with the major agencies before.

The logic is simple. Lets say you have 10 negative items on all three bureaus (10 baddies each), that would make 30 negative items total. By disputing all 30 the first round, they increase both their chances to show you results and ultimately your chances to get deletions right away. Most companies will only dispute 5-10 total items (not all 30) in an effort to keep you in their program longer. Not a great work ethic. It's actually a very smart business move for Credit Saint to show clients more deletions now rather than later.

By thoroughly disputing all items at once, Credit Saint proudly offers a full refund if you do not see any results within the first cycle from activation (90 days).

We have dealt with and have personally met the staff of Credit Saint. They are located in New Jersey, but serve all 50 states. Credit Saint was able to get 21 deletions in the first round for one of our constituents in October of 2015.

With Credit Saint, you will get your own credit team which will consist of a group of professionals that are assigned to your case. All clients receive monthly updates so you can always be on top of what has transpired on your case as you go through the program. You'll also learn what you should be doing on your end to build positive credit history while they work on repairing your credit.

: If you want fast credit repair, this is absolutely your best. Even better if you are a local NJ resident because they are located locally in northern NJ in Saddle Brook, NJ. No long term contracts. Quit at any time. Free, no-pressure credit evaluations. The best customer service that we have seen. A professionally trained staff that treats each client with a 100% sense of urgency while offering their full commitment to each individual case.

Cons: None that we know of!

Our Results: We used Credit Saint Credit Restoration for 4 months and they got 15 negative items removed for us.

Proof: These results are from some recent clients that have also used Credit Saint. See actual Credit Saint Civil Judgment deletions. On this dispute, 11 deletions were realized on one credit bureau. Here is a stubborn child support deletion. Here are 6 deletions from one credit bureau on one dispute. Here are a bunch of deletions from one single collection agency that went after this client very aggressively. Lastly, here are some Experian deletions realized on one round of disputes from Credit Saint. 

Pricing: 3 programs to choose from: Polish Program is $99 first work fee and then just $59.99 per month. The Remodel Program is $99 first work fee and then just $79.99 per month. Clean Slate Program is $195.00 first work fee and then just $99.99 per month.

See the Credit Saint Credit Restoration Website



4. Most Reliable established company - Lexington Law - Lexington Law Review

Lexington Law Credit repair review

Lexington Law Reliable innovators in the restoration space!
Lexington Law was the very first 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. Lexington Law was basically the founder of credit repair as we know it today and is still the #1 company that ALL of the other baby boomer companies emulated.

With Lexington Law 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, then Lexington Law is an easy choice. Lexington Law claims to have served over 1/2 million clients since 1991. That's over five thousand clients per year. Lexington Law is a true pioneer in the industry that is only getting bigger and stronger over time. Go for the $79.95 or the $99.95 per month plan if you can afford it. Get Started now! Lexington Law Sign-Up Page Lexington Law

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 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 restoration in all 50 States.

Lexington Law is one of the oldest and most reputable companies that basically started it all,... and to this day, it remains one of the best overall and most reliable overall services in the entire industry.

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.

Our Results: After using Lexington for 9 months, we saw 19 negative items removed!

Proof: See actual Lexington Law deletions. See more actual Lexington Law deletions.

Pricing: $99.95 Setup fee. 2 different plans $79.95 for the Concord Standard service and - $99.95 per month for the Concord Premier service.

See the Lexington Law Website


5. Quickly becoming a reputable firm - - Credit Review - Credit Repair Service Review Highly Branded! - Quickly becoming an industry leader is one of the most branded of all when it comes to online marketing. They are a larger company with a larger budget to get their name out but they still are a very reliable choice when it comes to help with cleaning up your reports. has removed over 1.4 million negative items for their clients and their website is filled with some awesome success stories from some of their members that are truly worthwhile to watch. on average has deleted 11.6 items in the first 4 months for their clients. They have done better for us than their averages show however. In 4 rounds of disputes, (about 6 months), they deleted 17 negative items for us. offers top level customer service and one of the best online personal dashboards where clients can keep tract of progress and get alerts that we have seen yet. Unlike other underdeveloped companies, clients also have the luxury of a credit score tracker, credit monitoring, text & email alerts and an awesome mobile app. These advanced features combined with an awesome customer service team and an advanced system that works in getting deletions makes an easy choice.

Oh yeah. Did we mention that can get stubborn items like tax liens, judgments, charge offs and bankruptcies removed? They most certainly can and they have statistical proof to prove it.

Pros: Well known branded company. They get tough items like liens and bankruptcies removed. Awesome customer service and online tools to track your success.

Cons: None that we've seen yet!

Our Results:We used Lexington for 6 months (four actual rounds), and we saw 17 negative items fall off of our credit files!

Pricing: (One time credit report processing fee of $14.99 to obtain your credit reports) then just $99.95 per month. No long term commitments.

Visit the website


6. Will surely improve your credit rating - Credit Assistance Network Review

Credit assistence Network - Credit repair

Credit Assistance Network  A top performer with great customer service!
There are many reasons to like the Credit Assistance Network but one of the top reasons is that they have been in business since 2004. They have been rated with the BBB since they day they opened their doors and they have an impeccable A+ rating (with zero complaints) with the Better Business Bureau. They are also accredited with a five star rating from TrustLink as well as being NACSO members.

Their 100% personalized service will accommodate clients in an expedited manner with disputing up to 45 items per round compared to the 5-15 that most of the competition disputes in an effort to keep you in their programs longer. If you want your reports cleaned up and are serious about getting your credit rating restored as quickly as possible, then the Credit Assistance Network is a great choice as an organic clean and legit service. Credit Assistance Network takes the extra time to advise, consult and educate each client along the way to a better credit score.

The Credit assistance Network is one of the only companies in the industry that we know of where we have actual personal hands on knowledge of several bankruptcies deleted for their clients. They know the law, are persistent and they can truly get the job done. If you are looking for a company that can actually get bankruptcies removed from your credit reports, then we highly recommend using The Credit assistance Network. Don't just take our word for it. Call them and ask their team for actual results and what you can expect. Ask their track record and history and then as always use your due diligence and make an informed decision.

The Credit assistance Network is also experienced with eliminating debt, business credit funding  as well as customized collection interventions that focus on Fair Debt Collections Act guidelines (FDCAPA).

Pro's: Money back guarantee. Licensed Attorneys on staff. They realized 16 deletions in just 5 rounds of disputes for us! Free consultations. They offer toll free, live phone support, identity theft resolution, escalated information requests as well as settlement offer assistance! Exceptional one on one customer service. They do the little extras that other companies simply do not address.

The Credit Assistance Network has an A+ rating with the BBB and is certified with the Fair Credit Reporting Act as well as the National Association of Credit Services organization Cancel at any time! Offers full restoration services in all 50 States.

Cons: No cons that we have seen or heard of yet!

Our Results: We used The Credit Assistance Network quite a few years back for a total of 5 disputes and  they realized 16 deletions within that time.

Pricing: Plans are $179 per individual ($279 per couple) for the first payment, then just $50 per confirmed deletion per bureau. $75 for public records.

See the Credit Assistance Network Website


7. Most Improved Service - Ovation Law Review

Ovation Law Credit Repair Review

Ovation Law  Experienced 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 but we still feel that the website is a little bit confusing especially finding pricing and their two different pricing models.

In our opinion, they should offer their premium service only and keep one price to avoid confusion. We've never understood a choice of two different pricing models. It's like saying, you can pay less but you are not getting our "top service" that the clients that can afford our top service are.

Ovation Law is truly an up and coming firm that has grown by leaps and bounds over the last few years. Ovation offers above average customer service and has a good system of keeping their clients in the loop in between the rounds of disputing with timely email updates. Having great communication with the customer is a simple idea but one that many firms believe it or not fail to do.

We have actually used firms that do not let you know your status and if or when your next round of disputes was sent out. Ovation is not one of them. Ovation law is a very a reputable branded company that gets results! We've seen the results ourselves! They are one of the most improved professional businesses in the industry as of late and can get great results relatively quickly. They are always improving on their online presence and front end experience for their online users. (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 more affordable (cheaper). Offers their services in all 50 States.

Cons: They only dispute 4 or 5 derogatory items at a time per bureau like many of its other competitors. They do this so the bureau's won't think the disputes are frivolous but it can stretch out the time of cleaning your slate a little bit.

Our Results: We saw 9 deletions in 6 months with Ovation Law!

Proof: See actual Ovation Law deletions.

Pricing: $89 Setup fee (They call it a first work fee). They then offer 2 different monthly plans of $59 ($59 is for their "Essentials Plan") or $89 ($89 per month is for their "Essentials Plus Plan").


8. Most Improved Service - Fowler and Fowler - Very good smaller company

FowlerandFowler.Net Credit repair service review

Fowler and Fowler  A top reliable service!
OK you've made a few mistakes. You've made a few poor financial decisions. Maybe you didn't have the right amount of money to pay off a particular card when the payment was due. It happens to all of us at some point and time. Even if we caused the negative item to appear, it can still be removed. Fowler and Fowler is very experienced at just that. Whether the negative item was your fault or not, Fowler and Fowler can get it removed from the slate!

We used Fowler and Fowler for 10 months and we saw some of the best overall results than what we saw most other competitors on this list. Over the 10 month period, Fowler and Fowler realized 21 deletions for us. Out of the 21 deletions, 5 were tax liens, 5 were collection accounts, 10 were public record judgments and 1 was a 90 day late deletion. And yes most of the negatives were caused from me (us). They were my own fault.

Out of the 21 total deletions, 11 were from Equifax, 6 were from TransUnion and 4 deletions were from Experian. The most positive attribute to the way Fowler does business is that they dispute all negative accounts on all three bureaus on the very first step. It takes other on-line companies a little longer to complete what they do in the first 60 days! Each dispute letter is hand written and is not computerized. Fowler and Fowler has a 90% removal/correction rate!

Pro's: They have shown us some of the best results of them all. They have a unique technique where they dispute all negatives at once with great results. They don't string you along to have to pay each month. They always answer the phone to answer questions. Very professional staff. They will certainly get the job done. 
Fowler and Fowler gets great results very quickly. You will be very happy with this service.

Cons: No real cons except maybe not as many Experian deletions as we would have liked. (But we can't really complain with the 4 that they did realize) A bit more work on your part to sign up with, paperwork wise. (but well worth it)

Our Results:
 Over a 10 month period, Fowler and Fowler realized 21 deletions for us! 

Proof: See actual Fowler and Fowler Deletions. Fowler and Fowler also realized a State tax lien deletion for us!

Pricing: $59 Setup fee. $59 per month. Couples is $99 set up fee and then $99 per month.


9. Fastest growing credit repair company - Veracity Credit Repair review

Veracity Credit Consultants
Veracity Credit Repair Expedited Credit repair!
Veracity is 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 programs and consultative strategies and you get a winning combination. Their system is designed to quickly and 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 similar online services 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 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.

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 restoration 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)

Our Results: We tried Veracity for 4 months and saw 7 deletions within that time

Pricing:  2 plans - The SELECT plan is $69 setup and $49 monthly or the PLATINUM plan is $99 setup $79 monthly.

Visit the Veracity website


We feel that these top 10 credit repair companies are reputable and are all worthy of being listed on this top 10 list. After reviewing and trying over 75 companies, we have found that these 10 are the absolute best, are reputable and really work. Thank you for viewing our editorial picks for 2016-2017. See actual reviews below



Sky Blue Credit Repair - Sky Blue Reviews

Sky Blue Credit Repair
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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.

Hi Jim. I had to take a minute to write this to you. I am forever grateful for what you and your company did for my credit rating. I promise to update you on my status and what happens with the loan that you know I have been wanting. Thanks again Jim!"
- Joey L.

"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.

"I was absolutely terrified when I had to approach the fact that I had horrible credit. I did not know where to turn first. I searched Google and found hundreds of results and was confused beyond comprehension. Then I found and read their reviews. I emailed support several times before I made a great discovery. said to call the owner of Sky Blue Jim Kemish and speak with him personally before I made any decisions which I did and boy am I glad I did! Jim put me at ease, got me into the program and cleaned my credit almost effortlessly. I was approved for my mortgage almost 7 months later (could have been sooner) but my first dream deal (house) was swept from under me which was OK because in the interim of fixing my credit, I found an even better house that was almost $32,000 cheaper! Things must happen for a reason. Thanks to Sky Blue and, my Fico score jumped from a 611 to a 704."
- Terry L., Lake Champlain NY


The Credit People - The Credit People Reviews

DSI Solutions Credit repair
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Actual The Credit People reviews and testimonials

"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

" 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 (The Credit Repair People - Formally 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. The Credit People deserves to be on this list because they have been an extremely reliable company for the last ten plus years. They stand behind their guarantee and they offer their services at extremely reasonable price. Truly a top notch service in the industry"


Credit Saint Credit Restoration - Credit Saint Reviews

Credit Saint Credit Restoration Reviews
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Actual Credit Saint Credit Restoration reviewsand testimonials

"Excellent Results. I've been in Clean Slate for about 6 months. and the change is incredible. I had about 89 negative items (they called them) and now I'm down to 16. Items removed consisted of Tax liens, judgements, collections and late payments."
- Jeremy, NJ

"I am an attorney and know local people who supposedly do credit repair. But I was not going to take a chance with my credit score. Credit Saint has been just great... my score rose to the low 700's. I receive immediate replies to my e-mails and am always able to talk to someone by phone if I need to. The credit reports are always responded to same day. They are even honest about which billing plan works best for you. Highly recommended!"
- Wass, NY

"Choosing Credit Saint is the best decision I ever made. They raised my score 115 points in 5 months and now I am able to buy a house (with 6% finance). I have recommended them to everyone I know because they really are that good. They are a great team of people and always so nice and understanding when you call. THANKS SO MUCH CREDIT SAINT"
- Raquiba, PA

"I noticed a billboard on the turnpike for Credit Saint. I did some research and saw the testimonials from clients and decided to request more information. I received a phone call 10 minutes after putting my request in. The person Ispoke with was extremely polite and professional and answered all my questions. During the whole process I have received email updates and phone calls making sure I was pleased with my service. Credit Saints' customer service was amazing and everyone I spoke to was helpful and polite."
- Rachel, NJ

"I began working with Credit Saint in May of 2014 and my credit score was around 515. They immediately worked on removing blemishes and mistakes I made when I was younger. I received my reports with the corrections and blemishes removed. With a little effort on my part and paying down some balances, the results were amazing. By July of 2014 my credit score had jumped to over 650. My family and I can now list our home for sale and purchase our dream home."
- Santiago

"I almost didn't ask for professional help. I'd failed to get the credit bureaus attention with my own dispute letters and assumed that no one else could do better. Boy was I wrong. The difference in the responses from the credit bureaus was night and day from my own work to the results that Credit Saint got. In just the first "cycle" I saw changes to my credit, and then later I saw changes to my score. BIG CHANGES. Items removed consisted of Judgements, late payments and collections. I thought I was just stuck with this stuff even though I thought it shouldn't have been there. Once they started I saw changes on the first reports I received. They were careful not to promise me anything, other than the 90 day money back guarantee, but the work speaks for itself. If you're unsurewho to turn to with credit problems, I'd call them and have a conversation with someone. I think you'll be surprised with how knowledgeable their team is."


Lexington - Lexington Law Reviews

Lexington Law Credit repair review
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Actual Lexington law reviews and testimonials

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.

A TOP 5 CREDIT REPAIR SERVICE Credit Repair - Credit Repair Reviews Credit Repair Reviews
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Actual reviews and testimonials

"I have seen the branding and the display ads online for this company but was still a bit skeptical until I found this website. After reading the reviews, I decided to join. This company has been nothing but understanding with my situation and they way they walked me through the process was absolutely 100% painless. The results I have seen were amazing. Thank you"
- William J., NY, NY

"I feel like has given me a second chance because in a short amount of time they've turned my credit score to the positive where I have options to buy a house or get a car loan. Because of, I have the ability to do what I want with my finances in terms of taking care of my family."
- Nate McLaughlin., Fort Wayne, Indiana (Taken from the Website)

""I asked a lot of questions and they asked me questions just as well, so we were like interviewing each other. I just wanted to make sure that it was a company that I was comfortable with. Since I've been with, within the 6 months, I've had 14 inquiries deleted from my credit reports. I've seen my credit score change tremendously. I am very pleased with They are coming through 100%."
- Lenia Smith., Corona, California (Taken from the Website)

Credit Assistance Network- Credit Assistance Network - Credit Repair Reviews

Credit Assistance Network - Credit repair
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Actual Credit Assistance Network reviews and testimonials

"I cannot recommend this company enough. Corey was amazing to deal with and the entire staff worked hard to get my score over 720. For the price, you will not believe their attention to detail, follow-up, service and overall what you get to get back into the credit card ballgame!"
-Gerry M
., Mississippi

"The experience was nothing short of spectacular. I just sat back, made my monthly payments and watched as the disputes results came to my mailbox with deletions every single month. I had over 20 bad marks when I started and The Credit Assistance removed them all but 3. One was a state tax lien but we are still working on it. Use this company, you'll be glad you did."
Mr. J. Knowles., NJ

"I haven't had much luck in the past with two other companies that I tried. I saw that the Credit Network had a strong history with the BBB and that they have been around for 10 plus years, and I saw them on this website, so I decided to try them. Although this website is New Jersey based and I am in Florida, I still decided to try because the Credit Assistance Network is also in Florida. And boy am I glad I did! The results were unreal! I never thought that I could legally clean up my credit report but now I know that not only can I clean up my report but I can get credit cards with healthy credit lines again thanks to the help of the Credit Network. I now know that it is a reality and not just a pipe dream anymore. Thank you, thank you, thank you."
-Carole Pugh., Miami, Florida


Ovation Law - Ovation Law Solutions Reviews

Ovation Law Credit Repair Review
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Actual Ovation reviews and testimonials

"Does exactly what Lexington Law does but with a little more personalized service and is a little cheaper than Lexington also."

"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 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 #9 choice, do you think I should try the suggestions you have in the #1 or #2 spot 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 a recommendation!"
- Emailed to

Fowler and Fowler- Fowler and Fowler Credit Repair Reviews

FowlerandFowler.Net Credit repair service review
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Actual Fowler and Fowler reviews and testimonials

"I just wanted say what a great job your company is doing with our credit reports. When we started, my credit rating was credit is now 687 and my wife's is 668. We just bought a million dollar house at a decent interest rate and we have 4 new credit cards with limits over $5k each which is important because I travel so much in my business. Please keep up the good work! Thank you,"
B. Jarrett, Fenton, MI

"Thank you Fowler and Fowler for getting such quick expedited results for me and my wife. We were able to relocate and buy a home in the San Francisco Bay area , which had been our dream for the last six years. My score went up 70 points and my wife's 123 points in just 3 months. These fico score increases helped us secure a mortgage together. Thank you Michael for helping make our family dream come true. Words in this mere letter could never have enough weight to say the enormous thank you that is and will always be in our hearts"
- Jim and Sandy F., Ridgecrest, CA

"I have used Fowler and Fowler personally and I still truly can't believe the results I have seen with this great credit repair company. Fowler and Fowler achieved 21 deletions in 10 months for me. I had a lot of negatives so it took a little longer than the average person might take. They get the job done very quickly and will not string you along month to month. This is by far one of the best credit repair services out there today. If you had to choose only one company on this top 10 list, Fowler and Fowler would be a great choice. Try this company and then please
E-mail us at with your experience and I will add it to these testimonials. I give Fowler and Fowler my personal endorsement as one of the best overall Credit repair companies in existence"
- Charles Daidone - Owner

"All I have to say is WOW. I was leery about using you at first. I was thinking there was no way things can come off of my credit report and thought the price was to much. Now after the year is over, it was worth every penny and I think even more. I seen a foreclosure, repossession and a bankruptcy and bunch of credit card bad debt come off. Things due to a bad divorce. Now I have been able to purchase a vehicle with financing from my local bank, bought a house at a good rate and have a couple emergency credit cards with limits I never though I could get. I would recommend this to anyone who want to clean up there credit. Whenever I had to call in and talk to customer service or my case worker, my service was outstanding and if I had to leave a message, it was returned promptly. I want to thank you ALL for your help and the things you have done. Thank-you so much,"
J. Frueh, North Pole, Alaska


Veracity Credit Consultants Credit Repair
- Veracity reviews

Veracity Credit Consultants
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Actual Veracity reviews

"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 fiance as he needs some help with his credit as well. Thanks again,"
- Torria (Taken from the Veracity Website)

Credit Repair

Credit Repair is your right. Making sure that your credit information which is being reported about you by third party agencies is your right under the law. Although many people think that credit repair is not possible or that using an online credit repair company is illegal or may be a scam, the fact remains that hiring one of these online credit repair companies is completely 100% legal, and is your right under the Fair Credit Reporting Act (FCRA). Many consumers do not know but the FCRA actually supports your ability to dispute negative items on your credit report. You have the right to double check any information at all, that you feel is inaccurate, that is showing up on your credit reports. Remember that the three major credit bureaus are independent companies that are buying and reselling information about you to creditors, lenders and banks. You did not ask for this credit information to be compiled about you but it is and the laws are in your favor to insure the accuracy of this information.

Believe it or not, it is up to you and you alone to make sure that the information provided about you is accurate. If you feel that anything at all is not accurate, or looks even remotely fishy on your credit reports, you should dispute it immediately. If you don't recognize a particular item, or a particular creditor; or even if your reported available credit line is not accurate, you should dispute it straight away. Your credit report changes every single month. Every month your creditors update specific information about you and report it to the credit agencies. They update everything that they know about you including your account balances, inquiries, your recent payments and existing credit lines, so you should be checking your credit report all the time to make sure that the all of the information is 100% accurate. We would suggest checking the information reported about you at least once every two months at the very least. To really keep on top of what is going on, you have 2 simple choices...

Choice 1: You do it yourself. You 100% most certainly can tackle this on your own. You would simply need pull your current credit reports and go over each of them very closely and look for any incorrect information. You would then dispute all of the erroneous information that you found by writing letters to the respective creditors as well as to the credit bureaus. You have the right to do it on your own and/or hire a credit repair company. If you have the time and patience, by all means do it on your own because you will save money.

Choice 2: Hire a credit restoration service. There are advantages to using a legit credit repair service if you do not have the time or know how to do it yourself. Some advantages are that they know the laws in each state. They know how to effectively write dispute letters that force the credit agencies to take action and lastly that they will work on your file residually and keep up on the process until the desired results are achieved. This list of the best credit repair companies was created to help consumers that don't have the time to work on their own cases and so that they can find reputable agencies that can perform the legal services that really work. We of course cannot fully guarantee what your own individual or personal results will be, but we assure you that all of the services on this list are 100% reputable and will show you positive results.

The Process

Below is a synopsis of what you can expect when you sign up with one of the companies on this list. There are many websites online that claim that getting deletions is impossible. There are of course scam companies in any industry, but getting deletions is surely 100% possible. In most cases, the deletion of an item off of your credit report does not remove the debt attached to it (if it was say a charge-off and you still owed money on the credit card) but in many cases the item that was removed does not return and the debt could go beyond the statute of limitations in your state so you would not owe the debt anymore. In some cases, if the item was removed and there was a debt attached to it, it can return on your credit report again if a collection agency buys up the debt and reports it to one of the major credit bureaus again. But in most cases however, when an item is deleted it does not return.

Remember it is against the law and it is illegal for a credit repair company to charge you any upfront fees for their services unless they start to perform some sort of work on your account. They are allowed to charge you a set up fee or first work fee only and if they actually start performing some kind of work on your file. Examples would be if they were to take your information from you and enter your information into their database or back office, analyze your credit situation and start preparing your initial dispute letters.

If a credit restoration firm tries to charge you up front for their services before they perform work on your case, beware. In most cases, a firm might take your credit card information up front, but when you are purchasing their product (either online or over the phone) they will tell you (they should anyway as its the law) the actual date that you will actually be charged. In many cases when you sign up online, they will collect your credit card information but not charge you for around 5 days. This gives them time to set up your file and start working on your case. You will see this information clearly presented on the Sky Blue online sign up form.

Step 1

You will need to provide the company with recent copies of your credit reports across the three credit bureaus. You will also need to provide them with some pertinent information including a copy of your drivers license and a copy of your social security card. This is needed so when they send dispute letters on your behalf, it will look like it is you who is actually writing the dispute letter.

Step 2

The company will then look through your credit reports and find all the negative items to dispute for you. Depending on the firm, they will usually add your negative items into an online portal that you the client can sign into to see your progress.

Step 3

They start disputing on your behalf. They simply write letters asking the creditors and/or credit bureaus to confirm your information and that the negative items are actually yours.

Step 4

The creditors and/or credit bureaus start their investigation of the disputes that were sent on your behalf. Remember it is your right by law to dispute any items on your credit report for any reason as the credit bureaus are third party companies selling information about your credit history to potential creditors and lenders. You have the right to demand that the information that they are selling about you is accurate. EVEN if you did cause the negative item to appear on your credit report, it does not matter. If they cannot prove that the account is yours and that the information is 100% accurate. They MUST remove the item from your report.

Step 5

After the credit bureau investigates your disputes, they will mail their findings and a copy of your recent updated credit report to your house.

Step 6

You will need to forward the copies of your updated reports that the credit bureaus sent you to your credit restoration firm so that they can update the status in your client portal.

Step 7

The credit repair firm will re-dispute again on your behalf. If they were not successful in getting a deletion of an item or if they did in fact get a couple of deletions, they will still dispute again against the remaining negative items that are still appearing on your reports. This is very common and again is your right. If they disputed an item and the credit bureaus verified it and said it was truly yours and they would not remove it, your credit repair service will dispute the item again with a a different angle of dispute (a different reason of why the item is not accurate) and make the creditors or credit agencies verify the item(s) again.

This repeated disputing and persistence does pay off because what happens is that your file keeps going into different peoples hands and eventually gets lost in the red tape. The credit bureaus have only 30 days to investigate the dispute. If they have no time to get to yours, they (by law) must delete the item from your credit report. Of course if a negative item that really was not yours was appearing and was showing up erroneously on your reports, they will be removed as well. The process works whether the item was really yours or not. That is the true beauty of the system.

How long does credit repair take?

It depends on how many negative items you have on your three major credit reports. Getting stubborn items removed can take anywhere from 2 to 6 disputes or longer. The persistence will pay off. The major advantage of outsourcing this task for you is that the firm that is trying to clean up your credit for you will keep disputing until the desired results are achieved and you won't have to worry about following up all the time. You can do this entire process by yourself as well.

Can I do it myself - Can I repair my own credit?

This is a question that we hear all the time. The answer is absolutely yes. Anyone can repair their own credit and at any time. It is wise to check your credit periodically to see if any of the information is out of date or if any new blemishes have been posted to your credit report. It is actually very easy to get the ball rolling with repairing your own credit in this new technology age that we live in. If you simply create an account on the one of three major credit bureaus online websites', they all actually have a very convenient section where you can dispute online in real time right from the convenience of their website. You sometimes have to send them some information, like proof of residency and your social security number, but it is very easy to do.
The problem with the online portal system is that you usually cannot send a detailed letter or a detailed explanation of your dispute and what happened with the particular account, you can only choose from a few limited choices from quick drop down menu that they provide of what and why your disputing and it really is only touching the surface of what is involved with making a real dispute. We have never had luck disputing online. When you dispute your own credit the best way is to send a letter in detail about what and why you are disputing. This method is much more effective. The problem with this method is that you have to keep up on it all the time to get the desired result.
There are many websites that claim that credit repair services that you sign up for are a rip off and that it is impossible to remove items from your reports. The first half of that statement could be true if the company you choose does not dispute effectively but the second half of that statement is completely false. First of all, the credit agencies do not know if you yourself or the credit repair service is sending the dispute because the credit repair service disputes the items on your behalf (as if they were you). They send a copy of your drivers license and social security card and send the letter signed form you.
This is 100% completely legal and is your right for anyone to act as power of attorney on your behalf if you grant them the permission by the way. Disputing is your right under the Fair Credit Reporting Act. You have the right to dispute incomplete or inaccurate information. The federal Fair Credit Reporting Act (FCRA) promotes the fairness, accuracy and privacy of information in the files that third party consumer reporting agencies are reporting about you. Under the act, you must be told if information in your file has been used against you and you have the right to know what is in your credit file.
Most importantly as a consumer, you have the right to dispute any and all inaccurate, false or incomplete information that may be displaying on your reports. The consumer reporting agencies have a 30 day time table to verify the items that are challenging and they must correct, update or delete the inaccurate, incomplete, or unverifiable information immediately. Lastly, by law, the consumer reporting agencies may not report outdated negative information that may be showing up in your file.
If unverifiable outdated or negative information remains on your reports, you are entitled to seek damages from the violators. If a consumer reporting agency, or any furnisher of information to a consumer reporting agency violates your Fair Credit Reporting Act Rights, you can sue them in state or federal court. The advantage of using a service that is reputable is that they know these laws and will be persistent in acting on your behalf until your negative items are removed.
When it comes to do-it-yourself credit repair, we have found that consumers are either un-knowledgeable about the process, don't have the time to follow up immediately on results, procrastinate or are simply lazy and ultimately do not get the job done.

Keeping our information up-to-date

Although the credit repair laws, prices and terms of the services change all the time, strives to update our information at least once twice a month for any major changes as sometimes these companies change their pricing or have other significant changes. Some of the companies that we know of as completely reputable, also update us from time to time with any pertinent or important updates or changes.
The most recent addition to this list of the top 10 credit repair companies is After much research and after trying their service we've deemed them highly worthy of being in the top ten list.
Updated 2018 Pricing Credit Pros

The Credit People have have stopped their flat-rate membership as an alternative to their monthly pricing plan for 2018.

Their monthly membership consists of a $19 fee where you can try their service for the first 7 days, then after the 7 days if your would like to continue with their service the price is just $69 per month. Their old monthly pricing was the the initial 7 days for $19 and then $59 per month thereafter. So it is just a $10 a month jump. Trust us, its worth it.
According to The Credit People, they are continuing to have success within the industry at their lower entry level price points.

The Credit People were innovators in their market space and were (and still are) one of the only companies to charge a small set up fee of $19 and then just $69 per month thereafter. The Credit People still has some unique features that other companies cannot compete with. They are still one of the only companies that will actually obtain all three credit reports for their clients, included for free. They recently just claimed that they give each client their starting credit scores from all three credit agencies but we believe that they are not real Fico scores.

Updated 2018 Pricing Credit Saint

Credit Saint just reported new pricing for just one of their packages in 2018. Their Polish Program changed from $99 first work fee and then just $59.99 per month to $99 first work fee and the $69.00 per month. Their other programs did not change.

Updated 2018 Pricing
CreditRepair 2018 pricing when from $12.99 to initially obtain your credit reports to $14.99, and the other small jump was from $89.95 per month to $19.95. A $10 per month hike.

Updated 2018 Pricing Credit Assistance Network
The Credit Assistance Network made one of the biggest changes for the new year by going for more of a pay per delete model. One spouse can sigh up for $179 initially (or both spouses can pay the first fee of $279 which comes to $139.50 per spouse).

Then after the initial signup, each individual simply pays for each deleted item. Public records cost $75 per deletion and all other deletions are $50.

Updated 2018 Pricing Ovation Credit Services

Ovation Credit also recently updated their pricing from an $85 first work fee to $89 for their Essentials Program package. That is essentially a small $4 jump. There monthly fee jumped from $45 per month to $59 per month.

Their Essentials Plus Program has an $89 first work fee just like their smaller plan but the monthly residual fee went from $69 per month to $89 per month. In both programs, there is no long term commitments and clients can quit the programs at any time.

Last Updated

This page was just checked for pricing accuracy and last updated on 1-15-18.

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